Horter Investment Management, LLC

Horter Investment Management provides discretionary and non‑discretionary portfolio management, financial planning, and retirement-plan advisory services to individuals (including both non‑HNW and high‑net‑worth clients), trusts, pension plans, corporations and insurance-company clients. The firm offers model and multi‑manager portfolios, third‑party money manager access and alternative investment options as part of ongoing investment supervision.

Investment decisions are guided by an Investment Committee that builds tactical and passive Multi‑Manager Portfolios, firm-managed HCA Blended models for higher‑net‑worth clients, and advisor‑created Custom Portfolios; the firm may also place client assets in proprietary TFA mutual funds and makes tactical allocations across ETFs and institutional mutual funds. Horter delivers account oversight and periodic reporting — including supplemental quarterly performance reports through a client portal — and documents that clients may impose investment restrictions or opt out of proprietary fund allocations.

What is distinctive relative to many multi‑team peers is the firm’s combination of related‑party business lines and its regulatory history: Horter is affiliated with Tactical Fund Advisors (the adviser to several TFA mutual funds, which generate management fees that create a financial incentive to recommend those funds) and with an insurance agency (Horter Financial Strategies) whose agents and some advisor representatives may receive insurance commissions. The firm has also disclosed multiple regulatory matters in recent years, including a 2017 SEC settlement addressing performance advertising ($778,804 paid), a 2019 Connecticut consent order ($12,500), and a 2024 SEC final order resulting in a $150,000 penalty and a six‑month supervisory suspension for the firm’s CEO; Horter also maintains solicitor and referral relationships with other advisers and service providers.