Horizon Financial Advisors, LLC

Horizon Financial Advisors is an independent, single‑advisor registered investment adviser that provides asset management, financial planning, pension and profit‑sharing plan consulting, and referrals to third‑party money managers. The firm also distributes periodic newsletters and offers educational seminars and workshops in support of its advisory services, and manages a relatively small client base of about 42 relationships with roughly $18.9 million in assets.

The firm manages client portfolios primarily on a non‑discretionary basis — its reported assets are all managed non‑discretionarily — and employs a mix of strategic and tactical asset allocation, model portfolios (including IMS Select models), and both fundamental and technical analysis. Because accounts are largely non‑discretionary, the advisor typically presents buy/sell recommendations for client approval and may modestly adjust cash positions or model allocations to reflect risk tolerance and market conditions.

Several features distinguish this practice from many solo independent advisers: the advisor also acts as a registered representative of a broker‑dealer (1st Global Capital Corp.) and as an insurance agent, may implement recommendations on a commission basis and may offset advisory fees with commissions, and the firm is affiliated with an accounting practice providing separate tax and CPA services. The combination of published periodicals, public workshops and a client mix that explicitly includes pension/profit‑sharing plans and business entities — alongside a stated lack of focus on lower‑asset retail individuals — is atypical for similarly sized independent, single‑advisor firms.