I help individuals, families, and business owners understand how money works before making financial decisions so nothing is rushed, misunderstood, or done out of fear.
I’m Helen Hilton-Jones, and I help individuals, families, and business owners make sense of their money so they can make confident decisions without feeling overwhelmed or pressured.
I founded Horizon Guidance 360 & Associates because too many people were being sold financial products they didn’t fully understand. I believe guidance should come before recommendations.
My approach is personal and straightforward. I take the time to explain things clearly, answer your questions, and help you see your options so you can decide what makes sense for you.
If you’re looking for clarity, education, and honest guidance you’re in the right place.



Most people don’t struggle because they’re irresponsible. They struggle because no one ever taught them how money works.
We help you:
Understand your financial picture
Protect your income and family
Eliminate debt strategically
Build long-term stability
All decisions start with education not pressure
HOW WE SUPPORT YOU
We review your real situation income, expenses, debt, goals, taxes, retirement and protection so decisions are intentional, not reactive.
Life Insurance
Life insurance should make sense. When structured correctly, it can protect your family and support your financial strategy.
- Participating Whole Life Insurance
- Debt Elimination using Whole Life
- Infinite Banking
- Indexed Universal Life (IUL)
- Term Life Insurance
- Final Expense Coverage
Debt Elimination
Debt builds quietly through interest and lack of education.
We help you:
- Pay off debt in 2 to 3x faster intentionally
- Reduce interest loss
- Build accessible cash reserves
- Create personal or family banking systems
Estate Planning
Estate planning is about protecting your family and making sure your wishes are honored not just paperwork.
- The difference between wills, trusts, and beneficiary designations
- How life insurance fits into legacy and wealth transfer planning
- What happens if you become incapacitated
- How to keep your plan aligned as life changes


Taxes, Bookkeeping & Business Support
We don’t just file forms we help you understand your numbers.
Services include:
- Individual and small business tax preparation
- Self-employed and 1099 support
- Bookkeeping and financial organization
- Cash flow and income review
Retirement
Retirement isn’t just about stopping work—it’s about making sure your income lasts and your options are clear.
- Where your retirement income will actually come from
- How to reduce risk as you approach or enter retirement
- How insurance, savings, and other assets work together
- What adjustments may be needed to support long-term stability
Education & Digital Resources
Education doesn’t stop after one conversation.
- E-books and guides
- Online courses
- Workbooks and planners
- Membership communities
Real words from real people who wanted clarity, not pressure and finally felt confident about their financial decisions.
“I finally understood what I was signing up for.” I’ve had life insurance before, but no one ever took the time to explain it the way Helen did. She broke everything down in plain language and answered questions I didn’t even know I should be asking. I didn’t feel rushed or pressured just informed. That made all the difference.
“This was guidance, not a sales pitch.” What stood out to me was that Helen didn’t start with a product. She started with questions about my goals, my family, and where I was financially. I felt like she actually cared about helping me make the right decision, not just closing a deal.
“I walked away with clarity and confidence.” Before meeting with HG360, I was overwhelmed and confused about insurance and debt. After our session, I finally understood how things worked and what my next steps should be. I left feeling confident instead of anxious.
“No pressure. Just honest conversation.” I appreciated that Helen gave me space to think and decide. She explained my options clearly and let me move at my own pace. That’s rare, and it made me trust the process even more.
“I didn’t feel judged I felt supported.” I was nervous going into the conversation because I felt behind financially. Helen made me feel comfortable, listened without judgment, and helped me understand my options step by step. That meant more to me than anything.
“She explained things no one else ever did.” I’ve talked to other agents before, but this experience was different. Helen explained how life insurance could actually fit into my overall financial picture not just be something I ‘had to have.’ It finally made sense.
If you’re tired of being sold to and want guidance you can trust, let’s talk through your situation and determine what actually makes sense for you.

If you’re tired of being sold to and want guidance you can trust, let’s talk through your situation and determine what actually makes sense for you.


Horizon Guidance 360 & Associates
Guidance-First Financial Education & Strategy
Life Insurance • Debt Elimination • Retirement • Family Banking • Tax & Bookkeeping • Financial Education • Estate Planning
Email: [email protected]
Phone: (346) 523-5800
monday: 9am - 6pm
tuesday: 9am - 6pm
wednesday: 9am - 6pm
thursday: 9am - 6pm
friday: 9am - 3pm
Saturday 10am- 2pm
Copyright 2026. Horizon Guidance 360 & Associates. All rights reserved.