# Horizon Financial

> Horizon Financial is an SEC-registered investment advisory firm in West Henrietta, NY, registered since 2019, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated August 31, 2026.

- CRD: 305239
- Filed as: HORIZON FINANCIAL
- Legal name: Horizon Advisory Services, Inc.
- Also doing business as: HORIZON FINANCIAL
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: West Henrietta, NY
- Filing period: October 2026
- Form ADV filing dated: August 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/305239
- AdvisorCensus page: https://advisorcensus.com/firm/horizon-financial-west-henrietta-ny-305239

## Quick answers

**How is Horizon Financial compensated?**
On its Form ADV (Item 5.E, October 2026), Horizon Financial reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does Horizon Financial charge?**
Its Form ADV Part 2A brochure dated August 31, 2026 states: Asset-based fee: 1% of assets a year. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Horizon Financial located?**
Horizon Financial's principal office is in West Henrietta, NY, according to its Form ADV.

**Is Horizon Financial registered with the SEC or a state?**
Horizon Financial is an SEC-registered investment advisory firm, registered since 2019. Status as filed: Approved. CRD 305239.

**How much does Horizon Financial manage?**
Horizon Financial reports $510,210,472 in regulatory assets under management in its Form ADV filing dated August 31, 2026 (100% discretionary).

**How have Horizon Financial's assets and staff changed since 2021?**
In the Form ADV data for Horizon Financial: Regulatory assets under management: $342,661,618 in the October 2021 data and $510,210,472 in the October 2026 data, up 49%. Total employees: 11 in October 2021 and 9 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Horizon Financial serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (614); high net worth individuals (120).

**Which custodians does Horizon Financial use?**
Horizon Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Horizon Financial report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/305239

**What changed in Horizon Financial's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 11 to 9. Regulatory assets under management went from $455,756,497 to $510,210,472 (+12%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated August 31, 2026)

- Asset-based fee: 1% of assets a year

> Our annual investment management fee is generally 1.00% of the value of the client’s assets under our management, although this fee is negotiable at the sole discretion of the firm.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $510,210,472
- Discretionary: $510,210,472
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 614 | $276,618,071 |
| High net worth individuals | 120 | $233,592,401 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2019 (7 years)
- Employees: 9 total, 9 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MA, MD, NC, NH, NY, PA, SC, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- horizonfinancial.net
- Facebook @horizonfinancial3600
- LinkedIn @horizonfinancial

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $342,661,618 | 11 | March 17, 2021 |
| October 2022 | $394,979,326 | 12 | August 1, 2022 |
| October 2023 | $361,544,541 | 11 | May 18, 2023 |
| October 2024 | $422,810,005 | 11 | March 20, 2024 |
| October 2025 | $455,756,497 | 11 | July 25, 2025 |
| October 2026 | $510,210,472 | 9 | August 31, 2026 |

Regulatory assets under management: $342,661,618 in the October 2021 data and $510,210,472 in the October 2026 data, up 49%.
Total employees: 11 in October 2021 and 9 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 11 to 9.
- Regulatory assets under management went from $455,756,497 to $510,210,472 (+12%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Horizon Financial (CRD 305239): Form ADV filing data as of October 2026.