Frequently Asked Questions

Horizon Financial Advisors provides a comprehensive range of financial services designed to help you achieve your financial goals:

• Comprehensive Financial Planning: Holistic analysis of your financial situation with actionable strategies
• Investment Management: Professional portfolio management tailored to your risk tolerance and objectives
• Retirement Planning: Strategic planning to ensure a comfortable and secure retirement
• Estate Planning: Wealth transfer strategies to protect your legacy
• Tax Optimization: Strategies to minimize tax liability and maximize after-tax returns
• Risk Management: Insurance analysis and protection planning

Our advisors work closely with you to create customized solutions that address your unique circumstances and aspirations.

Yes, absolutely. Horizon Financial Advisors operates as a fiduciary, which means we are legally and ethically bound to act in your best interest at all times. This is a crucial distinction in the financial services industry.

As fiduciaries, we:

• Put your interests ahead of our own in every recommendation
• Maintain complete transparency about our fees and any potential conflicts of interest
• Provide objective advice based on your needs, not sales quotas or commissions
• Adhere to the highest ethical standards in the industry

This fiduciary commitment is the foundation of the trust our clients place in us.

Starting your financial planning journey with us is straightforward:

1. Schedule a Consultation: Contact us to arrange a complimentary initial meeting
2. Discovery Meeting: We'll discuss your goals, current financial situation, concerns, and what you hope to accomplish
3. Analysis & Proposal: We'll analyze your information and present a customized proposal outlining how we can help
4. Engagement: If we're a good fit, we'll formalize our relationship and begin implementing your financial plan

There's no obligation during the initial consultation, and it's an excellent opportunity for us both to determine if we're the right match for your needs.

We believe in transparent, fair pricing that aligns our interests with yours. Our fee structure varies based on the services you need:

• Asset-Based Management: A percentage of assets under management (typically 0.75% - 1.5% annually, decreasing with larger portfolios)
• Financial Planning Packages: Flat-fee comprehensive plans ranging from $2,500 to $7,500 depending on complexity
• Hourly Consultation: $250 - $400 per hour for specific advice or project-based work
• Retainer Services: Monthly or quarterly retainers for ongoing advisory relationships

During your initial consultation, we'll discuss which fee structure makes the most sense for your situation. We'll provide a clear, written agreement before you commit to any services.

We work with clients at various stages of their financial journey. While our ongoing investment management services typically require a minimum of $250,000 in investable assets, we offer several options for clients at different asset levels:

• Financial Planning Consultations: Available regardless of asset level
• Project-Based Services: Specific financial planning projects without minimums
• Young Professional Programs: Specialized services for early-career individuals building wealth

We encourage you to contact us regardless of your current asset level. If we're not the right fit, we'll gladly refer you to resources that can help.

Meeting frequency is customized to your preferences and needs, but typically follows this schedule:

• Quarterly Reviews: Most clients meet with their advisor every three months for portfolio performance reviews and financial check-ins
• Annual Planning Meetings: Comprehensive review of your overall financial plan, goals, and strategies
• Ad-Hoc Meetings: Additional meetings for major life events (career changes, inheritance, home purchase, etc.) or significant market events
• Ongoing Communication: Email and phone support between scheduled meetings for questions or concerns

Some clients prefer more frequent contact, while others are comfortable with less. We'll work with you to establish a communication schedule that provides the right level of engagement for your situation.

To create an effective financial plan, we'll need to understand your complete financial picture. We typically request:

• Recent investment account statements
• Retirement account information (401(k), IRA, pension statements)
• Insurance policies (life, disability, long-term care)
• Recent tax returns (last 2-3 years)
• Estate planning documents (wills, trusts, powers of attorney)
• Information about employer benefits
• Details about debts and liabilities
• Your financial goals and concerns

Don't worry if you don't have everything immediately—we can work with what you have and gather additional information over time. All information you provide is kept strictly confidential and secure.

Our investment philosophy is grounded in proven principles and academic research:

• Diversification: We build portfolios across asset classes, sectors, and geographies to manage risk
• Long-Term Focus: We emphasize long-term wealth building over short-term speculation
• Cost Efficiency: We minimize fees and taxes to maximize your net returns
• Risk Management: Portfolios are designed to match your risk tolerance and time horizon
• Evidence-Based: Investment decisions are based on research and data, not emotions or market timing
• Tax Efficiency: We implement strategies to minimize tax drag on your investments

We don't chase hot trends or promise unrealistic returns. Instead, we focus on building durable, diversified portfolios designed to help you reach your goals while managing risk appropriately.