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

retirementComprehensive Financial and Retirement Planning

As the reality of retirement comes closer with every passing day, it’s time to start making the appropriate financial preparations. Horizon Retirement Advisors will work with you by assessing your current financial situation and your available assets. Retirement planning is all about accumulating wealth through short term, safe investments that outpace the rate of inflation. The goal is to preserve your wealth so you can enjoy retirement to the fullest.

In addition to retirement and financial planning services, Horizon Retirement Advisors also specializes in IRA’s and 401K Rollovers. Visit our Services Page for a detailed list of the financial and retirement planning services we provide.

medimgMedicare Supplemental Plans

Get access to comprehensive medical coverage for your specific living situation through Medicare Supplemental Plans. Our goal is to always provide you with Medicare Supplemental plans with your out- of- pocket premium affordability needs. Dave is endorsed and certified by AARP and is capable of writing 100% of plans available in Nevada. Our clients on average save $400 a year by getting the appropriate Medicare plan.

collegeimgExpert Financial Planning for College

At Horizon Retirement Advisors, we understand that proper financial planning for college has never been more important. With today’s high-cost of education and increasingly competitive job market, you can’t afford to take chances with your child’s’ education. Our advisors can help you with financial planning for college by developing a college savings plan based on your particular, circumstances. Additionally, Horizon Retirement Advisors has a number of other services certain to give any aspiring student the best possible chance of success.

Our Advisors will take the time to meet with parents and their kids, this should begin in their sophomore year of highschool.

  • FAFSA Form
  • Academic Skill Testing
  • Identifying parent’s exempt and non-exempt assets

veteranVeteran Advocacy Specialists

Did you know that the Veterans Aid and Attendance Pension will reimburse qualified veterans and their spouses as much as $34, 044 per year for long term care expenses?

Our advisors are experts in assisting VA Retirement Pension recipients navigate their way through the bureaucracy. We’ve recovered thousands of dollars in unclaimed benefits for our clients over the years.

Testimonials

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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Is a Reverse Mortgage Right for You?

For clients 62 years or older

Horizon Senior Advisors is here to answer all of your questions and concerns regarding the reverse mortgage program. Find out how you can turn the home equity you’ve accumulated, over the years, into monthly cash payments. If you qualify, we’ll guide you through the process, step by step. Just one more way we’re working hard to help you achieve the financial independence you deserve.

Financial Calculators

Am I Saving Enough for Retirement?

How will Retirement Impact my Lifestyle?

How Much Life Insurance do I Need?