Fee-Only Financial Planning Services 


why choose A fee-only Financial Planning firm?

Horizons Wealth Management specializes in providing objective and comprehensive financial planning to help our clients build, manage,  grow, and protect their assets through life's transitions.    

As an independent fee-only financial advisory firm, we provide 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 is TRUST. This means you don't have to worry that your planner is making a recommendation to generate fees.  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 his or her client (like a CPA or attorney). 

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.  The greater the advisor's dependence on commission income, the greater the conflict.  In the end, the conflict can cost you, both in out-of-pocket expenses and in the quality of the advice you receive.  We believe there is a significant conflict of interest if an advisor stands to gain financially from any recommendations you may follow.  

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 and investments.  Because we can work with clients on a fee-only basis, we can complete a financial review of your current investments and financial situation to determine if you are on the right path to meet your goals.

Our services range from addressing a specific financial question, reviewing your current investment portfolio,     constructing a comprehensive financial plan, retirement planning and/or comprehensive portfolio management.  

Click here to learn more about our Fee-Only Financial Services


Fee-Only vs. Fee-Based Advisors:

Do not confuse fee-only and fee-based advisors.  The terms sound similar, but there are important differences.  Financial advisors are currently regulated under two different standards of conduct.

 Fee-Only advisors charge a one-time or ongoing transparent fee, depending on the types of services they provide.  They are registered with the SEC or a state securities regulator as fiduciaries, subject to the duty of loyalty and due care with their clients.  They are expected to act in the best interest of their clients.  If they don't, they can be sued in the court of law.  Horizons Wealth is proud to be held to the Fiduciary Standard,  but 75% of financial advisors are held to a much lower ethical standard called the "Suitability Standard."     

Fee-based advisors hold licenses that allow them to sell investments or insurance products for  commissions. Stockbrokers, broker-dealers, insurance agents, and others who are not Fee-Only are regulated be the private-sector organization (FINRA) or by state insurance regulators and are only subject to a "suitability" standard of conduct.   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.  

Over the past few year, financial-service companies have realized that their costumers want objective advice, so they are moving away from the commissioned-based compensation model towards a strictly fee-based structure.  However, the big financial companies aren’t ready to abandon their commission-based sales model or commit wholeheartedly to the Fiduciary Standard. This is why investors should be very cautious of the term "fee-based."

When you work with a Fee-Only Financial Planner, the result is unbiased financial advice from a professional who is committed to acting as a fiduciary in a client-centered relationship.  

Read more about our Fiduciary Standards.  



Fee-Only planners


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.   We focus on your goals and work with all areas of your finances.  

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 “three heads are better than one.” GlenDavid and Susan work together to develop financial plans and manage investment portfolios. Most of the time, all three 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 low 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:

At Horizons Wealth Management, we are driven by strong relationships, extensive financial research, and an unparalleled level of personalized service. Our commitment to always act in our clients' best interest will be upheld through  generations. Together, we can build a strong foundation for your future and your legacy through strategic financial planning and investing.  

Click here to learn more about our Fee-Only Financial Services.  



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Financial News & Views

David Hunter, CFP®

David Hunter, CFP®

Glen J Martin, MBA, CFP®

Glen J Martin, MBA, CFP®

Susan Cook CFP®

Susan Cook CFP®

Fee Only Financial Services in Asheville, North Carolina.

Fee Only Financial Services in Asheville, North Carolina.

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Fee Only Financial Services in Greenville, South Carolina