Wealth Management

TOGETHER FINDING SOLUTIONS


What's on your horizon?

SERVICES
*Personal Financial Planning
*Retirement Planning
*Roth IRA
*Traditional IRA
*SIMPLE IRA
*Simplified Employee Pension (SEP)
*401k
*403(b)
*Trusts
*529 College Savings Plan

OUR PREFERRED FUNDS
Horizon Financial Management, Inc. is an investment advisor representative associated with Wealth Management LLC, a Registered Investment Advisor firm. 

Wealth Management LLC is specifically qualified to provide access to the Dimensional Fund Advisors (DFA) family of no-load funds.  These funds are not available directly to most individuals, but are normally limited to institutional investors and a select group of advisors like Wealth Management LLC, which in turn has made them available to Horizon Financial Management. 

In addition to the Dimensional Funds, a premier institutional investment management firm with more than $150 billion assets under management, Horizon Financial has access to thousands of other index funds, selected Exchange Traded Funds (ETF’s), and global fixed-income portfolios.

We, as your investment advisor representative, do not receive compensation from Dimensional for using its funds, unlike some other advisors who receive extra compensation from certain mutual fund companies.  You, as an investor, are also not under any obligation to invest in Dimensional funds if they do not meet your particular investment needs.  Our clients can be confident knowing they have access to a wide array of choices which may be used to produce a successful investment experience.

WE ARE WEALTH MANAGERS AND CPAs WHO USE PASSIVE ASSET CLASS MANAGEMENT
We are an Investment Advisor Representative associated with an independent, fee-only, extensive investment advisory firm that specializes in managing portfolios structured around tax-efficient passive asset class strategies supported by a Nobel prize-winning philosophy. 

In addition to our fee-only structure, we are Certified Public Accountants which puts us in the enviable position of being able to fully consider the tax ramifications of every investment decision.  As a result, estate and tax planning don’t become an afterthought to the financial planning process; they become an integral part of it.

This is vital to the achievement of your financial objectives and gives you the edge in all areas of financial management.

FIDUCIARY ROLE
As an Investment Advisor Representative associated with a Registered Investment Advisor firm, federal and state law requires that we are held to a Fiduciary Standard.  This law requires that an investment advisor representative act solely in the best interest of the client, even if that interest is in conflict with the advisor representative’s financial interest.

We use academic research to minimize risk and maximize results!