Horizon Financial Group, Inc.

Horizon Financial Group, Inc. is a registered investment adviser that offers investment advisory and financial planning services to individuals, high‑net‑worth clients, and non‑profit organizations, and it may refer clients to third‑party money managers. As of December 31, 2025, the firm reported no regulatory assets under management and does not exercise discretionary authority over client accounts.

The firm employs fundamental and technical analysis and constructs portfolios from mutual funds, equities, bonds, ETFs, REITs, and certain private placements, while providing one‑time or segmented financial plans and individual consultations. Financial planning is billed on a flat‑fee or hourly basis (hourly fees billed in arrears, up to $750 per hour), clients receive plan delivery upon completion, and referrals to outside managers are disclosed and governed by written agreements that may include fee‑sharing.

Horizon’s principals are registered representatives of a broker‑dealer and licensed insurance agents of an insurance company, and the brochure discloses that the firm may offer commissionable insurance products — an affiliation and dual‑registration arrangement that is uncommon for firms in this category. The firm also departs from the typical asset‑based adviser model by relying on hourly planning fees and not charging percentage‑of‑AUM investment management fees.