Valeria Cera Primero is a financial advisor at Horizons Sustainable Financial Services, Inc. with two years of industry experience. She holds a Series 65 designation and previously worked at Thornburg Investment Management Firms and has a background that includes roles at Loyola Marymount University and several small businesses. Horizons Sustainable Financial Services provides financial planning, investment consultation, and management to individuals, trusts, estates, foundations, and businesses, emphasizing sustainable and responsible investing. The firm employs a fiduciary standard and integrates clients’ values and risk profiles into customized investment strategies across multiple offices and a team of six advisors.

Johann Klaassen is a CFP® with 23 years of experience in the financial industry, currently serving at Horizons Sustainable Financial Services, Inc. since 2013. He reviews manuscripts on topics such as business ethics for Berrett-Koehler Publishers. Horizons Sustainable Financial Services provides financial planning, investment consultation, and discretionary investment management to individuals, trusts, foundations, and businesses, focusing on sustainable, responsible, and impact investing through a structured intake process and a combination of passive, active, and custom strategies.

Frederic Perret is a financial advisor at Horizons Sustainable Financial Services, Inc. with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at First Affirmative Financial Network, ProEquities, Inc., and Collateral Agency. Outside of advising, he serves as treasurer for both Alabama First and the Alabama Rivers Alliance, a nonprofit focused on river conservation. Horizons Sustainable Financial Services provides financial planning, investment consultation, and discretionary management to individuals, trusts, foundations, and businesses, with an emphasis on sustainable, responsible, and impact investing. The firm serves a range of clients from non‑high-net-worth to high-net-worth and employs a structured intake process combined with a blend of investment strategies tailored to client values.