Irene Stolte

Financial Adviser | ChFC®, CLTC®, LUTCF®

Helping clients make thoughtful financial decisions with clarity, confidence, and a plan that reflects what matters most.
Email:irene@horizonwealthstrategies.com
Expertise

Meet Irene

Strategic financial guidance for women in pharmaceuticals who want their wealth, career, and retirement decisions aligned.

For more than 24 years, Irene has built long-lasting relationships with individuals, families, and small business clients. Many of those relationships span decades and multiple generations, reflecting the care and consistency she brings to her work.

Irene provides thoughtful guidance to help clients navigate complex financial decisions with clarity and confidence. Her collaborative approach leads to a clear financial blueprint that integrates retirement income planning, risk management, tax-aware strategies, and legacy planning. She believes every client’s situation is unique and takes the time to understand their goals and what they want their future to look like

Irene has earned several respected industry designations, including:

  • Chartered Financial Consultant® (ChFC®)
  • Certification in Long-Term Care (CLTC®)
  • Life Underwriter Training Council Fellow (LUTCF®)

These credentials reflect her commitment to ongoing professional development and advanced expertise in retirement planning and extended-care planning.

How Irene Thinks About Financial Planning

Irene’s approach centers on aligning financial decisions with personal values.

Her work focuses on helping clients understand trade-offs, make informed choices, and feel confident about the direction they are taking. Rather than focusing on isolated decisions, she helps clients see how everything fits together so their financial life supports the life they want to live.

This approach is especially meaningful for clients entering or approaching retirement, where decisions often carry long-term impact.

Irene specializes in comprehensive financial and retirement planning for:

  • Pre-retirees and retirees
  • Individuals and families navigating major life transitions

She has a deep understanding of the unique financial challenges faced by women in pharma, both professionally and personally. Her work helps clients bring structure to complex decisions, align wealth with values, and move into the next chapter of life with greater confidence.

  • Irene is actively involved in her industry and holds a number of leadership roles. 
  • She is an 11-year member of the Million Dollar round Table (MDRTⓇ), including:
  • 5 Court of the Table honors
  • 1 Top of the Table honor

Her current and past leadership roles include:

  • MDRT U.S. Community Leaders
  • Co-Chair, MDRT Foundation Gives Day 2026
  • Member, Court of the Table Committee (2024-2025)
  • Board Member, NAIFA-NJ 2026-2027
  • Former NAIFA-NJ State President (2013-2014)

Outside the Office​

Outside the Office

Irene lives in New Jersey with her husband Tom, and they are the proud parents of their daughter, Morgan.

Outside of work, she enjoys skiing, spending time on the water, traveling, and making memories with family and friends.

FINANCIAL PLANNING

Financial Planning for Pharmaceutical Executives

Making High-Stakes Equity Decisions

Strategic financial guidance for women in pharmaceuticals who want their wealth, career, and retirement decisions aligned.

Your success has created complex financial decisions, from equity compensation to retirement timing. We create a coordinated financial strategy that brings your compensation, taxes, investments, and retirement plan into one understandable framework

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Years working with women executives in pharma & healthcare

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Focus on coordinated wealth, tax & retirement strategy

Chartered Financial Consultant

Certified in Long-Term Care

Women in Pharma

What We Do for Women in Pharma

Strategic financial guidance for women in pharmaceuticals who want their wealth, career, and retirement decisions aligned.

Everything we do for women in pharmaceuticals is built around one goal: making sure the wealth you’re building today can support the life you want long after your career evolves or slows down.

Compensation & Tax Strategy

Develop a multi-year plan for bonuses, stock options, RSUs, and deferred compensation so major financial decisions are coordinated instead of reactive.

Investment & Risk Management

Build a portfolio aligned with your career exposure, helping ensure your long-term financial future isn’t overly dependent on one company, sector, or compensation structure.

Family, Healthcare & Legacy Planning

Integrate healthcare costs, partner or family needs, and legacy goals so your financial plan supports the life and people that matter most.

Sound Familiar

Does This Sound Familiar?

Family, Healthcare & Legacy Planning

If this resonates with you, you’re exactly who we built this for. A career in pharmaceuticals often comes with complex compensation, demanding schedules, and important financial decisions.

You deserve guidance from someone who understands that world and can turn those moving parts into a clear path toward financial independence and retirement.

How IT works

We Start with Clarity, Then Move to Action

1

A Calm Starting Conversation

We begin with a low-pressure conversation designed to help you exhale. Talk openly about your goals, equity compensation, and questions you’ve been carrying. This is simply about being heard and understood.

2

Connecting the Dots

We take a thoughtful look at your full picture equity compensation, taxes, investments, and retirement timing replacing scattered information with clarity so decisions stop feeling overwhelming.

3

Seeing Your Retirement Clearly

You walk away with a clear view of what retirement looks like, how your stock options and income support it, and what choices actually matter most. Not a sales pitch. Just understanding and direction.

4

Achieve Financial Clarity

Move forward with confidence, supported by a clear framework, a disciplined process, and a trusted partner whenever new financial decisions arise.

Let's Talk Retirement

WIth an Experienced Financial Planner