HORIZONS FINANCIAL PLANNING

Overview

Horizons Financial Planning is an independent registered investment adviser organized as a limited liability company that focuses on financial planning and portfolio management for individuals, families and small businesses. The firm leans toward equity-centric portfolios, using exchange-traded equities and ETFs as the primary building blocks of client portfolios while supplementing those positions with mutual funds and annuities where appropriate. Fee arrangements are flexible — percentage of AUM, hourly and fixed-fee engagements — which supports a mix of ongoing advisory relationships and project-based planning work. The firm does not position itself as an ESG or pension consultant and is not set up as a multi-state adviser. It allocates to alternatives in the form of real estate through third-party managers, indicating a willingness to use illiquid, return-enhancing strategies alongside liquid public-market exposures. Client segmentation includes individual and family clients as well as some institutional relationships, with a clear emphasis on tailored planning and income/wealth management for high-net-worth households and small businesses.

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