Business Phone - 1 (775) 851­-4754 | Toll Free - 1 (866) 484-2800

Horizon Senior Advisors

senior-retirementSenior Retirement Services

Let Horizon Senior Advisors assist you in ensuring a secure future for you and your loved ones with our extensive list of financial services. With Horizon Senior Advisors you’re in very capable hands. We are your local, total source for all of your financial planning needs in order to secure financial independence. Whether you’re in need of advice on reverse mortgages, estate or retirement planning, investment strategies veteran retirement benefits services or VA Retirement Pension support, we can help! At Horizon Senior Advisors our financial experts will:

  • Analyze health insurance plans and verify you are getting the best services available with the lowest premiums and deductibles
  • Provide knowledgeable guidance on group and individual health insurance for seniors and assisted living nursing home care
  • Offer assistance in Funeral Trusts and Final expense insurance plans
  • Create long term care and life insurance alternatives
  • Manage your individual and business 401k plans, reverse mortgages, & estate planning needs
  • Provide innovative solutions for investment strategies & Annuities
  • Give our expert assistance with accessing Medicare Advantage plans or other supplemental, drug plans

Let us save you hours of time and frustration by doing what we do every day. We’ll make absolutely sure you are receiving all of the coverage you need and all of the benefits you’re entitled to. Below are some of our services described in more detail. Call us today for more information!

Estate Planning Servicesdocks on lake copy

Don’t leave your family members with the burden of making funeral arrangements.  Our financial advisors can offer an extensive list of estate planning services to meet the varying needs of our clients.

We also offer assistance with funeral trusts, final expense plans and revocable living trusts. We’ll help you outline healthcare & financial directives and make provisions in the event that long term care is needed.

Retired Veteran Benefits

Horizon Senior Advisors is proud to advocate for our retired veterans and their families. Dave has assisted over 250 Veterans or spouses of Veteran’s in organizing their assets and affairs for them to qualify to receive the Aid and Attendance Pension from the Veterans administration.

Your Right to Lifetime Benefits

  • Nearly two million Veterans or their widows are missing out on a valuable pension from the U.S. Government … leaving as much as $4.6 billion dollars a year unclaimed.
  • This lifetime benefit is available for Veterans and their spouses aged 65 and older and is used to reimburse various Long Term Care Expenses.
  • Also known as the Veterans Aid & Attendance Pension, this benefit is underused because most Veterans have never heard of this benefit or don’t know how to access it.
  • The Department of Veterans Affairs has had minimal success in promoting this program.

Reverse Mortgages

At Horizon Senior Advisors we will educate and advise you on reverse mortgages and will guide you in determining whether or not it’s in your best financial interests. If you are 62 or older, you may qualify. The term reverse mortgage is referred to the FHA’s Home Equity Conversion Mortgage (HECM) program.

Benefits of the HECM Program

  • Federally funded and insured by the government, which allows qualifying seniors to withdraw on the home equity they’ve built up, over the years, in monthly payments.
  • It’s a safe and secure path to greater financial freedom and security and an excellent way for seniors to supplement their Social Security benefits.
  • Unlike a home equity loan, there’s no monthly payment. With a reverse mortgage, you will be the one receiving a monthly payment!
  • With a reverse mortgage, no debt is passed along to the estate or heirs, and any remaining equity can be passed on to a designated recipient.


My Husband Larry and I have known Dave now for several years. Dave is funny, smart, kind, and compassionate to his clients. Whether he’s helping them draw up a will or invest in their future he’s top notch. We are thankful to have met him and wish him…
Larry & Sherry - Fernely, NV
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My late husband and I first met Dave when he did a seminar in Fallon. We met with Dave and moved our CD’s into annuities. The annuities brought us greater returns, and I thank Dave for leading us in the right direction. I look forward to our annual revi…
Viola - Fallon, NV
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Dave Mello has been my financial advisor for about 10 years and now I have not a single complaint. What drew me to Dave, was that he is a very personable individual. When I met Dave, I wanted my IRA out of Stock Market harm and to create an investment for…

Phyllis - Reno, NV
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Dave treats all of his clients including myself as if we were all family. I feel as though Dave has gone above and beyond to be very helpful. One of Dave’s great strengths is his knowledge. He’s always made himself accessible to assist me with all of …

Shirley - Fernley, NV
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I was referred to Dave by my dear friend Elaine who has been a long time client of Dave’s. Dave has now been a long tome financial advisor for me as well. Now that I am in my 80’s Dave has assisted me in learning more about independent and assisted li…

Mary - Reno, NV
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Dave and I have been good friends for many years. When Dave first brought to my attention we should do business together, I was a little skeptical. After listening to his broad knowledge of Medicare and Medicare Supplemental Insurance, I decided I had bee…

Tom - Reno, NV
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Dave has been easy to approach, prompt in his responses to questions and knowledgeable about his products. I can and do unreservedly endorse Dave and his services.

Elwood and Nancy-Reno, NV
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We met Dave about 3 years ago after many friends in our Del Webb community had highly recommended him. He has been a great help in setting up a Living Trust and advising us on our 401k options. Dave is very trustworthy and makes us feel comfortable and co…

Bernie - Reno, NV
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Upon moving to Somersett 7 years ago, my neighbors encouraged me to see Dave. He has been my financial advisor since meeting him, and has kept my IRA’s safe from Stock Market risk with what I consider very fair gains. I’ve referred several of my neigh…

Joan - Reno, NV
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Dave became my Medicare Supplemental Insurance agent in December 2013. He kept me on the same Medicare Plan F however changed insurance companies, which gave me a savings of over $1,700.00 per year. Naturally when my wife needed insurance, I sent her to s…

Mike - Reno, NV
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I first met Dave as as senior advisor in assisting me after my husband became incapacitated. Dave became my financial advisor, helping me with budgeting and skilled nursing expenditures during this time. After the death of my husband, Dave has continued a…

Betty - Reno, NV
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My husband and I received and invitation in the mail from Dave Mello to attend one of his seminars in March of 2008. We attended the seminar regarding investing our money. This was a very informative seminar and we decided to make an appointment with Dave…

Gene & Marietta - Reno, NV
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In 2009 I met Dave Mello at a financial planning workshop that he hosted at Arlington Gardens. His worksop was very informative and Dave was very personable. Shortly after, I scheduled an appointment with Dave. I have been his client ever since, and we ha…

Dianne - Reno, NV
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We first met Dave over 10 years ago when we attended a workshop of his in Carson City. Ever since that workshop we have happily had Dave as our financial advisor and medical insurance expert. We have recommended several people we know to Dave and he has t…

John & Annabel - Wellington, NV
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We have been working with Dave Mello since 2006. He takes the time to review all the alternatives available when deciding what/where to invest. When the annual reviews come due, he reviews in detail what our previous allocations were and goes into detail …

Dave and Jane - Washoe Valley, NV
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We have been clients of Dave’s since we retired and moved to Reno in 2009. We needed to re-do our trust and re-evaluate our investments. We were looking for a good return without the instability of the stock market. We received what we asked for and mor…

Steve & Lavona - Reno, NV
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Our corporation has used Dave Mello’s Horizon Senior Advisors for nearly 20 years to proved medical and dental insurance. Dave and his staff have always been attentive to the corporate needs as well as individual employees’ concerns. Excellent custome…

Dan and Marcia Sparks - Reno, NV
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Advise Dave has given has provided to be a financial benefit. The investment returns have been excellent. Dave provides easy access to questions I may have. Without a question I recommend Dave and his services.

Elizabeth - Sparks, NV
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We have been clients of Dave’s for about 10 years now. When we came to him know we were wanting the safety of annuities while experiencing growth without the unpredictability of the Stock Market. We have several annuities with Dave and trust him as our …

Tom & Gary - Sparks, NV
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David Mello has been extremely helpful with assisting us in preparing our retirement decisions. We are confident that the funds we have accrued throughout our years of employment and inheritance, have been appropriately placed in the correct places to ass…

Ray & Julia - Reno, NV
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Dave has been my financial advisor for many years now. He has helped me with multiple annuities, as well as a reverse mortgage. I have consistently earned over 5% annually on my annuities. What I enjoy most is the stability of my annuity and avoiding Stoc…

Elaine, Gardnerville, NV
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When my late husband Dean and I first moved to the Reno area, we searched for a Certified Senior Advisor; and Dave Mello’s name came up in the search results. When we examined his website and credentials described there, we were very impressed and satis…

Joan, Lincoln, CA
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