Horizons Planning Corporation

Scott Wiard is a financial advisor with Horizons Planning Corporation in Ann Arbor, MI, holding Series 63 and Series 65 licenses and over 31 years of industry experience. He has been with Horizons Planning Corporation since 1988 and serves as its president and sole owner. Outside of his advisory role, he is involved in commercial property management through a partnership unrelated to investment activities. Horizons Planning Corporation advises individuals, including high-net-worth clients, as well as pension plans, trusts, charitable organizations, and corporations. The firm manages approximately $70 million in client assets and offers services including investment management through its Financial Coaching & Wealth Management program and a proprietary market-timing strategy called Strategic Journal Transfers, alongside financial planning, insurance, and tax consulting.

Michael Wiard is a Series 65-licensed financial advisor with Horizons Planning Corporation in Ann Arbor, MI, where he has worked since 2006. He has 15 years of industry experience. In addition to his advisory role, Wiard holds a life, accident, and health insurance agent license in Michigan and operates a related business through Horizons Planning Corporation. Horizons Planning Corporation advises a range of clients, including high-net-worth individuals, pension plans, trusts, and charitable organizations, managing approximately $70 million in assets. The firm offers investment management through its Financial Coaching & Wealth Management program and a proprietary market-timing service called Strategic Journal Transfers, alongside financial planning, insurance, and tax consulting services.

David Keosaian is a ChFC® credentialed financial advisor with 15 years of experience at Horizons Planning Corporation in Ann Arbor, MI. He has been with the firm since 1993, which operates as a team of four advisors. In addition to his advisory role, Keosaian provides tax preparation and small-business accounting services and offers counseling to military personnel and their families as an independent contractor. Horizons Planning Corporation advises individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations, managing approximately $70 million in client assets. The firm employs a proprietary market-timing service alongside traditional asset-allocation strategies and provides a range of services including financial coaching, investment management, insurance recommendations, and tax or pension consulting.

Mark Adams is a financial advisor at Horizons Planning Corporation with a Series 65 designation and three years of industry experience. His prior experience includes roles at Whirlpool Corporation and the University of Michigan. He is also an independent life, health, and annuity insurance agent, operating a sole proprietorship. Horizons Planning Corporation advises individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations, managing approximately $70 million in client assets. The firm offers investment management through its Financial Coaching & Wealth Management program and a proprietary market-timing service called Strategic Journal Transfers, alongside financial planning, insurance recommendations, and tax and pension consulting services.