Horizons Sustainable Financial Services, Inc.

Horizons Sustainable Financial Services, Inc. is a Sustainable, Responsible, Impact investing (SRI) advisory firm committed to building a sustainable and socially just world through sound investment practices. Established in 2013 in New Mexico, the firm specializes in Environmental-Social-Governance (ESG) investing, Socially Responsible Investing, and other values-based investment strategies. Acting as a fiduciary, Horizons puts clients' interests first, providing a range of investment advisory and financial planning solutions. Clients can engage in financial planning, investment consultation, and investment management services, with a focus on cash flow analysis, risk management, retirement planning, tax planning, and estate planning. The firm offers both discretionary and non-discretionary investment management services, with accounts typically maintained at Charles Schwab & Co., Inc., or Folio Institutional/Goldman-Sachs, Inc. Horizons charges fees based on assets under management, with annualized asset-based fees not exceeding 1.60%. The firm does not engage in performance-based fees or side-by-side management. Clients are encouraged to review account statements directly from custodians and participate in periodic reviews to ensure alignment with their financial goals. Horizons does not receive compensation for client referrals and maintains a transparent approach to managing client assets.