WEALTH MANAGEMENT

Horizons Wealth is not a brokerage firm, or affiliated with a bank or investment company.  We are truly independent, which enables us to provide our clients with objective investment management services.  

We offer a broad range of wealth management services and can help preserve your wealth and maximize its growth potential.  We will partner with you to develop an individual investment portfolio by learning about your needs and goals during the financial planning process.  

We manage your wealth built on our founding principal:  manage your money as we would ours.

At Horizons, we focus on building broadly diversified, low-cost portfolios that are tailored to your goals. Our investment philosophy is based upon asset allocation and seeks to lower risk and maximize returns by holding a portfolio diversified across different asset classes while avoiding market timing. Every portfolio is customized to fit each client’s unique circumstances and risk tolerance.   We use Shareholders Service Group as our discount brokerage house,  and assets are held at Pershing LLC.

For this select group of wealth management clients, we commit to serving as their full time personal financial advisor. Services performed for these clients include, but are not limited to:

  • Portfolio design and ongoing management
  • Asset allocation and portfolio rebalancing
  • Retirement planning
  • Tax strategies
  • College planning
  • Estate planning and trust management
  • Charitable planning
  • Long-term care and other insurance planning

We will also help you avoid the temptation to react to market roller coaster rides in an emotional way. No one can avoid market declines and sometimes these drops can be substantial.  Studies have shown that making emotional decisions about your investments can devastate your portfolio, inflicting far larger losses than the markets would deliver on their own. We help insulate you from the market’s ups and downs, and focus on the long-term progress towards achieving your financial goals.

In order to maintain the highest level of service to these clients, we frequently review and monitor our efficiency and effectiveness.  We deliver quarterly investment reports and newsletters, as well as hold in-person review meetings about the progress of your financial plan and investments.  Because of this commitment, we will never compromise the level of service to our select group of wealth management clients.   You will gain peace of mind knowing we are with you every step of the way toward achieving your financial success. 

 

The Benefits of Wealth Management

 

What We Do For You, The Wealth Management Client...

 

#1.  ORGANIZATION-  

We bring order to your financial life through:
  • Portfolio design and ongoing management
  • Asset allocation and portfolio re-balancing
  • Retirement planning
  • Tax strategies and optimization
  • College planning
  • Charitable planning
  • Long-term care, asset protection & insurance planning
  • Cash flow management

 

#2.  ACCOUNTABILITY-

We help you maintain focus and follow through on financial commitments by:
  •  Regularly reviewing and monitoring your progress towards achieving your short-term and long-  term financial goals
  • Regularly reviewing of your portfolio performance and monitoring changing life circumstances

 

#3. OBJECTIVITY- 

We bring insight from the outside to help you avoid emotionally driven decisions on important money matters by:
  • Helping you avoid the temptation to react to market roller coaster rides in an emotional way  
  • Being available to consult with you at key moments of decision-making

 

#4.  PROACTIVITY-  

We work with you to be financially prepared for major life changes by:

Regularly assessing any potential life transitions that might be coming, and creating the action plan necessary to address and manage them ahead of time:

  • Retirement 
  • Bereavement or divorce
  • Saving for college
  • Buying a home
  • Receiving an inheritance
  • Changing jobs

 

#5.  EDUCATION-    

We empower you to make informed financial decisions and help you understand your financial circumstances and options by:
  • Analyzing and evaluating each situation and provide the necessary resources to facilitate your decisions
  • Explaining the risks and rewards associated with each choice

 

#6.  PARTNERSHIP-  

Our goal is to help you achieve the best life possible by working in concert with you.

Peace of Mind:
We are with you every step of the way toward achieving financial sustainability. 

 

 

 

 

WEALTH MANAGEMENT PHILOSOPHY

MISSION - To empower clients to make informed financial decisions by providing unbiased investment strategies and outstanding personal service to help their dreams be realized.

VISION - To be a respected and trustworthy financial center known for our integrity, expertise and compassionate service where clients feel at home and comfortable focusing on their individual goals.

INTEGRITY - We conduct ourselves in an honest, trustworthy and ethical manner at all times.

KNOWLEDGE - We provide experience and expertise to our clients and their situations.

TEAMWORK -We cooperate, share, assist, and continually show respect and professionalism to fellow associates, clients and partners.

PERSONAL SERVICE -We go above and beyond to exceed our clients’ expectations.

DISCOVER - Discover a clear understanding of our clients priorities and objectives while assessing their risk tolerance.

EDUCATE - Educate clients on the risk and reward characteristics of different asset classes and the economic concepts and their contribution to the overall portfolio.

OBSERVATIONS - Fully analyze and evaluate our clients current situation to give the input and advice needed for them to make timely, informed decisions.

RECOMMENDATIONS - Recommend to our clients the appropriate asset allocation strategy using and optimal blend of investment products.

IMPLEMENTATION -implement our clients investment portfolio using the investment methodologies our employed to construct their portfolio.

ACTIVE MANAGEMENT - Regular review of the portfolio performance, client’s objectives and circumstances.