Horizons Wealth Management

Horizons Wealth Management, Inc. is a Registered Investment Adviser founded in 2007 and registered with the U.S. Securities and Exchange Commission in April 2019. The firm offers wealth management and financial planning services to individual clients, businesses, and charitable organizations. Their services include a multi-step process starting with a Discovery Call, followed by an initial meeting, detailed financial planning, and implementation. The firm operates on a fee-only basis, with fees ranging from $300 per hour for consultations to a flat fee for comprehensive financial plans. Asset Management services are provided based on a tiered annual fee schedule ranging from 0.30% to 0.875% of assets under management, with a minimum fee of $2,000 per quarter. Horizons Wealth Management's investment philosophy is based on asset allocation to lower risk and maximize returns, customized to fit clients' unique circumstances and risk tolerance. The firm does not accept performance-based fees or engage in side-by-side management agreements. Clients have access to detailed ongoing reviews, quarterly reports, and online account access. The firm does not vote proxies for clients and does not receive client referrals from broker-dealers in exchange for compensation. Horizons Wealth Management exercises limited custody over client funds for fee deductions and provides detailed privacy policies to safeguard client information. The firm's personnel have no disciplinary history and are committed to ethical standards and fiduciary duties.