Horizons Planning Corporation
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$87,872,651
This total excludes 3 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
144
3% high-net worth
Total advisors
4
of 4 employees
Firm size
Team
4-10 advisors or $500M+ in AUM
Average clients per advisor
36
Average account size
$610,227
About
Horizons Planning Corporation advises individual clients—including high‑net‑worth households—as well as pension and profit‑sharing plans, trusts, estates, charitable organizations, partnerships and corporations. It provides investment management, financial planning, insurance recommendations and implementation coordination with outside specialists through its Financial Coaching & Wealth Management (FCWM) program and related services.
The firm bases portfolio construction on asset allocation principles derived from Modern Portfolio Theory and generally recommends pooled products (mutual funds, ETFs and variable annuities) rather than emphasizing individual securities, offering discretionary management for FCWM accounts and periodic reporting. Client engagements are menu‑driven, allowing clients to choose combinations of ongoing portfolio management, planning and education, and the firm works with custodians and third‑party vendors to implement recommendations.
Notable disclosures in the brochure include the firm’s practice of actively monitoring individual issues for potential placement into pooled products—a monitoring approach that can entail timing considerations—and its provision of advisory services to pooled and institutional vehicles. The brochure also states that several representatives provide tax preparation, small‑business accounting and pension consulting services, and it discloses a prior regulatory matter involving a principal along with recent material changes to firm policies.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Market timing
Expertise
Life insurance needs analysis
Long-term care insurance
Disability insurance
Annuities
General tax planning
Occupation focus
Founder/Business Owner
Fee options
$0 - $500,000: 2% annually $500,001 - $2,000,000: 1% annually $2,000,001+: .5% annually
Commissions earned from insurance product sales are paid directly to representatives, not HPC.
Financial planning and corporate consulting services charged at $300 per hour; clerical/administrative services at $45 per hour.
Account minimum: $100,000 Fee-only: Hourly rate of $300 per hour for financial planning services; typical plan costs between $800 and $4,000.
Main office location
Horizons Planning Corporation
250 W. Eisenhower Pkwy., Suite 140
Ann Arbor MI 48103, United States
Number of offices
1
Most active in
Horizons Planning Corporation has reported serving >5 clients in these states in the last 12 months.
Michigan · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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