Ninety West Global Wealth

Horizon Financial Planning LLC is a small, independent advisory firm that manages roughly $6.6 million for a limited client base and serves both individual clients and employer-sponsored plans. The firm provides individualized investment management, comprehensive financial planning (including ongoing subscription-style planning), employee benefit plan services, and public or employer educational seminars and speaking engagements.

The firm builds client plans around written Investment Policy Statements and combines passive index exposures with active managers, implementing portfolios through a mix of third‑party platforms and sub‑advisors — including a robo-advisor platform, SEI model offerings, and several sub-advisory relationships. Accounts are monitored at least quarterly, and HFP offers both discretionary and non‑discretionary management alongside structured, periodic planning reviews and follow‑up support.

Noteworthy for a solo advisor, HFP regularly offers educational seminars and speaking engagements (including occasional pro‑bono events) and extends group financial education as part of its employee benefit services, a practice less common among peers. The firm also maintains a client loyalty program that adjusts advisory billing for long‑term clients and uses a multi‑platform implementation (robo tools, SEI, and multiple outside managers) to blend automated rebalancing and tax‑management features with outsourced investment strategies.