Fee-Only Financial Planning Services:


why choose A fee-only firm?

As an independent fee-only firm, Horizons Wealth Management provides completely objective advice and services to our clients. We have no financial incentive to recommend one investment over another.  Instead, we strive to make the best recommendations for your situation.  

What does this mean?

  • We do not sell any insurance and/or annuity products.
  • We do not receive any commissions from any insurance agents, brokerage firms, mutual fund companies or outside third parties.  
  • Our fees are 100% transparent. We are paid by our clients, not by investment providers.  
  • We are held to the Fiduciary Standard, which means, by law, we must act solely in the best interest of our clients. 

The merit of working with a financial advisor who is compensated only by the fees he or she charges directly to clients and not via the sale of financial products is trust.  To be clear on terms, an advisor who is compensated only by fees is Fee-Only.  These fees might be hourly, a flat retainer, or based on a percentage of your investment assets.  Another word for a fee-only financial advisor would be a "no commission" advisor. Fee-only advisors can only receive compensation directly from you  (like a CPA or attorney). 

Do not confuse fee-only and fee-based advisors, though. The terms sound similar, but there are important differences. Fee-Only advisors charge a one-time or ongoing transparent fee, depending on the types of services they provide. Fee-based advisors hold licenses that allow them to sell investments or insurance products for  commissions. Fee-based advisors do not have a duty to disclose their method of compensation, which can create a conflict of interest between what is best for you and what is best for the advisor.  Fee-Only financial advisors are held to a Fiduciary Standard, which means we are required, by law, to put our clients' best interest ahead of our own (most financial advisors are not fiduciaries).

One of the major benefits of selecting a fee-only advisor is a freedom from the inherent conflict of interest that can arise when a significant portion of the advisor’s income comes from selling financial products. Fee-only financial advisors provide advice and ongoing services for transparent fees, but many advisors are paid to sell you investment products for big commissions.  The concern you should have as a potential client is whether or not the advisor is recommending a certain financial product because it enhances their bottom line and if the products recommended are truly in your best interest.  

Another advantage of using a fee-only financial advisor is the opportunity for them to offer an objective second opinion of your current financial situation. This is especially true if the advisor works with clients on an hourly, as-needed basis or perhaps will complete a financial plan or financial review for a fixed project fee. Our services range from addressing a specific financial question, reviewing your current investment portfolio,     constructing a comprehensive financial plan, and/or portfolio management.  


Learn more about Our Fiduciary standards



Today more than ever, CERTIFIED FINANCIAL PLANNER™ professionals are an essential resource. From budgeting, to planning for retirement, to saving for education, to managing your taxes and your insurance coverage, “finances” doesn’t mean just one thing for most Americans — and “financial planning” means much more than just investing. Bringing all the pieces of your financial life together is a challenging task.

CERTIFIED FINANCIAL PLANNER™ professionals are considered experts in the financial planning process.  Although many professionals may call themselves “financial planners,” CFP® professionals have completed extensive training,  passed the CFP Board's comprehensive exam, met experience requirements, and are held to rigorous ethical standards.  This means that they must provide financial planning services as a fiduciary, or acting in the client's best interest.  


Team Approach:

There aren’t many firms you can retain that allow you to work hand-in-hand with more than one advisor.  At HWM, we take a true team approach when working with our clients.  We believe in the adage that “two heads are better than one.” Glen and David work together to develop financial plans and manage investments. Most of the time, both Certified Financial Planners are available to address your financial planning and investment needs.

Learn more about the CFP®

Certification, The Standard of Excellence

We have time and resources to individualize/customize each client’s financial plan and investments.  Our ideal advisor to client ratio will ensure that your needs are met in a prompt manner. For example, some advisors serve thousands of clients, limiting strategic investment research, innovative planning, efficiency, and personal relationships


At Horizons Wealth Management we expect to be with you for a long time.  We want to help you live your dreams and pass on your legacy.

Many other financial advisors will retire before you expire. Think of a relationship with Horizons Wealth Management as a long-lasting solution. We feel that our age ranges provide you the perfect balance of experience and longevity. Our careers should be going strong to see you through retirement and possibly transition to working with your family’s next generation. This can be a powerful asset preventing you, your spouse, and your family from needing to start over building a new advisor relationship later in life.

We strive to treat every individual with respect, fairness, and integrity. Because of our high standards, we are confident our knowledge, skills, and superior quality services will become evident over time.

Our Commitment:

Horizons Wealth Management is committed to excellence and delivery of quality client service. That commitment will be upheld through  generations to act in your best interest. We are building a strong foundation for your future and your legacy through outstanding financial services, wealth management and business financial services.



Name *
David Hunter, CFP®

David Hunter, CFP®

Glen J Martin,  MBA, CFP®

Glen J Martin,  MBA, CFP®

We will be here for you. 

We will be here for you. 

Fee Only Financial Services in Asheville, North Carolina. 

Fee Only Financial Services in Asheville, North Carolina. 

Fee Only Financial Services in Greenville, South Carolina

Fee Only Financial Services in Greenville, South Carolina