Horizon Advisors, LLC

Horizon Advisors provides personalized financial planning and separately managed account investment services to individuals, trusts, estates, charitable organizations, small businesses and other investment advisers. Offerings include discretionary portfolio management, ongoing subscription-based financial planning, project-based plans and hourly advisory engagements.

Portfolios are built to match a client’s stated goals and risk tolerance and are reviewed and rebalanced periodically, with management conducted on a discretionary basis for most accounts. The firm uses a broad set of investment tools — including mutual funds, ETFs and foreign equities as well as, at times, options, short sales and direct or illiquid/private investments — and states an emphasis on diversification and monitoring implementation costs.

The firm is affiliated with a public accounting practice, an arrangement that is uncommon among independent advisers; the principal also operates that accounting business and dedicates roughly 60% of their workweek to it, with occasional client referrals between the two entities (referrals are not paid). Managing about $8.3 million for roughly 72 clients, the firm directs custody to particular custodians that provide integrated platform services and discloses the potential conflicts that arrangement can create.