Lower risk and maximize returns
Your financial situation is always changing in reaction to outside influences, so it’s important to have an advisor periodically review and revise your plan to adjust to changes in the financial world, as well as your personal goals.
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 manage your wealth built on our founding principal: manage your money as we would ours.
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. So, we don’t chase after hot stocks or market sectors; nor do we try to time the market. Instead, we thoroughly analyze how to best combine a variety of portfolio asset classes, thereby minimizing your risk and maximizing your return. Every portfolio is customized to fit each client’s unique circumstances and risk tolerance. We use Shareholders Service Group as our discount broker, and assets are held at Pershing LLC.
Peace of Mind
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 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 as needed 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.
Fee Schedule for Wealth Management
|TOTAL ACCOUNT VALUE||ANNUAL ADVISORY FEE|
|First $1 Million||0.875%|
|From $1-$2 Million||0.75%|
|From $2-$5 Million||0.60%|
|From $5-$10 Million||0.45%|
|Above $10 Million||0.30%|
|*Our minimum Wealth Management fee is $2000 per quarter.|
The Benefits of Wealth Management
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
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
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
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:
- Bereavement or divorce
- Saving for college
- Buying a home
- Receiving an inheritance
- Changing jobs
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
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.
Horizons Wealth Management provides Fee-Only financial services customized to meet each client’s unique needs. The result is unbiased financial advice from professionals who are committed to acting as a fiduciary in a client-centered relationship. We analyze all aspects of your finances to design a roadmap to help you reach your financial goals and provide you with peace of mind.