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Do You Know Who Your Beneficiaries Are?

Valuable assets will convey directly to beneficiaries, regardless of instructions in a will.

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Welcome To Protection USA®

Thanks for taking the time to look around my website. My name is Steven Horvath. As you will learn from the information on this website I have always had a job/position that revolved around serving others. I want to teach people what I have learned in my Naval service, running a mid-sized company and now my 20+ years in finance. I have learned and witnessed so much and now I have experience and knowledge to teach others what actually works. I have learned something new from every person I have met and every position I have held. I want to share my life experience with you so you too can have an enjoyable life. Thank You and God Bless!

Newsletters

HOT TOPIC: AI Expectations Underpin the Economic Outlook for 2026

This article discusses economic forecasts for 2026 and the trends that are influencing them, including surging AI investment.

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Cash Balance Plans Help Some Business Owners Supersize Retirement Savings

These plans have generous contribution limits that increase with age, which may allow high-income business owners to catch up on retirement savings and significantly reduce their taxable incomes.

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Q&A on RMDs

Here are answers to some key questions about required minimum distributions.

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Variable Annuities: Strategies to Help Counter Retirement Risks

Unlike retirement accounts, there are no federal contribution limits for variable annuities, and the investment gains wonâ€™t be taxed until they are withdrawn.

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Calculators

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

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