Blue Horizon Wealth Management, LLC

The firm provides financial planning and investment management advice to individuals, high‑net‑worth clients, trusts, estates, and charitable organizations through defined service offerings labeled Financial Health, Financial Fitness, and Ad Hoc Consultation. Services are tailored after an initial no‑cost consultation and documented in a written advisory agreement supported by client questionnaires and an Investment Policy Statement.

The firm follows a strategic buy‑hold‑and‑rebalance approach, offering model portfolios that range from capital preservation to aggressive growth and using fundamental, technical, and cyclical analysis to inform allocation and diversification decisions. Clients retain implementation control—the adviser does not have discretionary trading authority or custody of client assets, and recommendations are intended to be implemented through custodians chosen by the client.

Distinctive for a firm in this peer group, the adviser charges fee‑only, hourly advisory fees and explicitly does not charge percentage‑of‑assets‑under‑management or performance‑based fees, nor does it accept third‑party compensation or sell financial products. The firm operates with a small, owner‑run structure, maintains a written Code of Ethics and annual compliance review procedures, and forwards billing directly to clients while custodial statements come from the independent custodians.