Horizon Financial Planning LLC

Horizon Financial Planning LLC is a single-advisor independent registered investment adviser serving individual investors (including both non‑HNW and high‑net‑worth clients) and employer plan sponsors. The firm offers portfolio management, comprehensive and project‑based financial planning, and employee benefit plan services, and reported roughly $2.44 million in assets under management across about 25 client relationships.

The firm combines passive and active strategies, builds client‑specific investment policy statements, and implements portfolios using a mix of in‑house guidance and third‑party managers and platforms on discretionary and non‑discretionary bases. Financial planning engagements range from one‑time fixed‑fee plans with follow‑up meetings to a subscription‑style continuous planning service that includes ongoing updates, meetings, and annual reviews.

Noteworthy for a solo independent adviser, the firm regularly provides educational seminars and speaking engagements for organizations and the public (offered free to fee‑based, with participant fees outlined and an option to provide pro‑bono presentations). Other distinguishing features include the ability to serve as a 3(21) or 3(38) fiduciary for retirement plans, a loyalty Waypoint Rewards program that reduces fees after three years for clients meeting a $1,000,000 threshold, and the extensive use of multiple custodians and third‑party platforms (e.g., Betterment, SEI, Interactive Brokers) to deliver investment and back‑office services.