Horizon Financial Group, Inc.

Horizon Financial Group provides financial planning and advisory services to individuals, high‑net‑worth clients, and certain non‑profit organizations through comprehensive or limited plans and individual consultations delivered on a flat‑fee or hourly basis. The firm does not maintain discretionary portfolio management or regulatory assets under management as of December 31, 2025, and typically delivers a one‑time financial plan with optional follow‑up services available for an additional engagement.

Horizon’s analysis employs both fundamental and technical approaches and it advises on a range of investments including mutual funds, equities, bonds, ETFs, REITs, real estate and private placements; however, the firm does not accept discretionary trading authority or use percentage‑of‑AUM fee billing. It may refer clients to third‑party money managers and receive fee‑sharing compensation from those managers, and the firm requires clients to use its recommended custodian rather than permitting directed brokerage.

A distinctive feature disclosed in the brochure is the firm’s affiliation with the insurance and broker‑dealer channels: its representatives are licensed insurance agents and registered with a broker‑dealer, permitting the offer of commissionable insurance products alongside advisory planning and creating a disclosed conflict of interest. Compared with peers, Horizon is unusual for a small supported adviser in combining a planning‑only business model with active insurance brokerage activity, no custody of client assets, and reliance on referrals to outside managers.