Horizons Sustainable Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Horizons Sustainable Financial Services provides financial planning, investment consultation, and investment management to individuals (including high‑net‑worth clients), trusts, estates, foundations, and businesses. The firm delivers both one‑time or modular planning engagements and ongoing portfolio supervision, and it offers educational workshops and access to third‑party investment managers.
The firm follows a sustainable, responsible, impact‑investing (SRI/ESG) philosophy and operates under a fiduciary standard, using a Financial Values Worksheet and a Social Policy Worksheet to develop a signed Investment Policy Statement that incorporates clients’ risk profiles and values. Portfolios are implemented through third‑party managers, Horizons’ own investment supervisory services, or blended Core+Satellite strategies, with explicit use of screening, shareholder advocacy, community investments, and targeted impact opportunities.
Notably, Horizons maintains six offices and a seven‑advisor team managing about $151 million for roughly 310 clients, a multi‑office footprint that is uncommon for peers in this category. The firm also serves as manager of record for other advisors’ client assets and consults with other RIAs on SRI platform development, and it discloses a dual‑role arrangement in which an associated representative is a licensed insurance agent (approximately 20 hours per month), a relationship the firm identifies as a potential conflict of interest.
Client services
Expertise
Fee options
Consulting fees for financial planning and investment consultation services; initial deposit of $1,200 or half of upper fee estimate may be required for planning engagements
$0 - $200,000: 0.70% (Schwab Fixed Income Only Portfolio) $0 - $200,000: 1.25% (Schwab Mutual Fund / ETF Portfolio) $0 - $200,000: 1.20% (Goldman Third-Party Investment Manager Portfolio) $200,001 - $500,000: 0.70% (Schwab Fixed Income Only Portfolio) $200,001 - $500,000: 1.25% (Schwab Mutual Fund / ETF Portfolio) $200,001 - $500,000: 1.10% (Goldman Third-Party Investment Manager Portfolio) $500,001 - $1,000,000: 0.55% (Schwab Fixed Income Only Portfolio) $500,001 - $1,000,000: 1.10% (Schwab Mutual Fund / ETF Portfolio) $500,001 - $1,000,000: 0.95% (Goldman Third-Party Investment Manager Portfolio) $1,000,001 - $2,000,000: 0.55% (Schwab Fixed Income Only Portfolio) $1,000,001 - $2,000,000: 0.97% (Schwab Mutual Fund / ETF Portfolio) $1,000,001 - $2,000,000: 0.80% (Goldman Third-Party Investment Manager Portfolio) $2,000,001 - $3,000,000: 0.45% (Schwab Fixed Income Only Portfolio) $2,000,001 - $3,000,000: 0.89% (Schwab Mutual Fund / ETF Portfolio) $2,000,001 - $3,000,000: 0.70% (Goldman Third-Party Investment Manager Portfolio) $3,000,001 - $5,000,000: 0.45% (Schwab Fixed Income Only Portfolio) $3,000,001 - $5,000,000: 0.81% (Schwab Mutual Fund / ETF Portfolio) $3,000,001 - $5,000,000: 0.60% (Goldman Third-Party Investment Manager Portfolio)
Up to $500 per hour, billed in 15-minute increments
Fee-only: Hourly fees up to $500 per hour, billed in 15-minute increments; flat consulting fees for financial planning and investment consultation; no commissions or markups; no trailer or Rule 12b-1 fees received.
Main office
See office535 Cerrillos Road, Suite A2
Santa Fe NM 87501
Advisors at this office
3
Offices (4)
Most active in
Alabama · California · Colorado · New Mexico · Oregon · Texas · Washington
Also doing business as
Horizons Sustainable Financial Services · Horizons Sustainable Financial Services, Inc. · Kiel, Ltd.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Alan G
CFP®, Series 63, Series 66
Puyallup, WA
Horizons Sustainable Financial Services, Inc.
Alan Gammel is a CFP® professional with 24 years of industry experience, currently serving at Horizons Sustainable Financial Services, Inc. since 2020. Prior to this, he worked at First Affirmative Financial Network LLC for ten years. He is also a part-time instructor for insurance pre-licensing at Primerica Financial Services University. Horizons Sustainable Financial Services provides financial planning, investment consultation, and discretionary investment management to individuals, trusts, foundations, and businesses. The firm focuses on sustainable, responsible, and impact investing, using a structured intake process and a combination of passive, active, and customized strategies.
Valeria C
Series 65
Santa Fe, NM
Horizons Sustainable Financial Services, Inc.
Valeria Cera Primero is a financial advisor at Horizons Sustainable Financial Services, Inc. with one year of industry experience. She holds a Series 65 designation and previously worked at Thornburg Investment Management Firms. Horizons Sustainable Financial Services provides financial planning, investment consultation, and discretionary investment management to individuals, trusts, foundations, and businesses. The firm focuses on sustainable, responsible, and impact investing, using a structured intake process and a blend of screening, shareholder advocacy, community investments, and various investment strategies.
Johann K
CFP®, Series 63, Series 65
Santa Fe, NM
Horizons Sustainable Financial Services, Inc.
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 P
Series 63, Series 65
Santa Fe, NM
Horizons Sustainable Financial Services, Inc.
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.
Prisma A
Series 65
Santa Fe, NM
Horizons Sustainable Financial Services, Inc.
Prisma Avery is a financial advisor at Horizons Sustainable Financial Services, Inc. with one year of industry experience and holds a Series 65 designation. Prior to joining the firm, Avery worked at Sandia National Labs and has held various roles including at Rise Barre and Western Washington University. Horizons Sustainable Financial Services provides financial planning, investment consultation, and discretionary investment management to individuals, trusts, foundations, and businesses, serving both non-high-net-worth and high-net-worth clients. The firm focuses on sustainable, responsible, and impact investing, utilizing a structured intake process and a combination of passive, active, and core-plus-satellite strategies.
Megan B
CFP®
Milwaukie, OR
Horizons Sustainable Financial Services, Inc.
Megan Buchanan is a CFP® professional with five years of industry experience. She currently serves at Horizons Sustainable Financial Services, Inc. and previously worked at Silver Oak Advisory Group and New Outlook Financial. Horizons Sustainable Financial Services provides financial planning, investment consultation, and discretionary investment management to individuals, trusts, foundations, and businesses. The firm focuses on sustainable, responsible, and impact investing and serves both non‑high-net-worth and high-net-worth clients using a structured intake process and a blend of passive, active, and customized strategies.
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