Philosophy
Managing Market Risk to Grow and Protect Your Hard-Earned Money
Horizon RIA is a Christ-centered, fee-only, no-commission, independent IRA Fiduciary and trusted CANSLIM money manager. For over 35 years, we have faithfully served clients with integrity. Because we do not sell commission-based products, we remain free from conflicts of interest—allowing your trusted advisor to focus solely on what’s best for you.
We reject the passive “buy-and-hold” mindset. Instead, we follow an active approach—aiming to capture gains in bull markets while protecting capital in bear markets—guided by proven CANSLIM principles.
History shows markets eventually recover, but there’s no guarantee the Federal Reserve will step in to rescue investors next time—or that your portfolio will have recovered when you need it most.
Our strategic edge is rooted in the CANSLIM methodology, developed by self-made billionaire William J. O’Neil. This disciplined, rules-based system blends fundamental, technical, and chart analysis to uncover growth opportunities. We emphasize risk management and proper position sizing to help drive consistent long-term results.
- $We invest in the same models as our clients, ensuring our interests are aligned and potential conflicts are minimized.
- $As a Registered Investment Advisor (RIA) and Fiduciary, we are legally and ethically obligated to act in your best interest.
- $When the next bear market hits, who will you trust to protect your wealth?
- $Like elite athletes and world-class investors, we strive to skate where the puck is going, not where it’s been.
- $Let us reposition your IRA today for tomorrow.
Separately Managed Accounts (SMAs)
Horizon employs a comprehensive risk management strategy that integrates fundamental analysis (earnings and sales growth), technical analysis (support and resistance levels), and chart analysis (base formations and pivot points). This disciplined approach is executed through three model strategies, each tailored to align with your individual risk profile within a Separately Managed Account (SMA).
Fund Model Strategy (Conservative) :
In rising markets, this strategy seeks capital appreciation by investing in up-trending mutual funds and exchange-traded funds (ETFs), with the flexibility to include individual stocks. In declining markets, the strategy focuses on capital preservation.
Stock Model Strategy (Growth) :
In rising markets, this strategy seeks capital appreciation by investing in stocks utilizing CANSLIM principles, with the flexibility to include ETFs and mutual funds. In declining markets, the approach focuses on capital preservation.
BRI Model Strategy :
Biblically Responsible Investing (BRI) aligns investment values with Biblical principles seeking to honor God. This model will only invest in stocks, ETFs, or Funds with a zero or positive Inspire Impact Score, seeking capital appreciation in bull markets and capital preservation in bear markets.
Dexter P. Lyons, Portfolio Manager (Since 1990)
Altruist Custodian Benefits:
$0 Commissions:
Stocks, ETFs, and mutual funds = no commissions/fees.
No Custodial Fees:
Zero annual account fees.
Secure & Protected:
FDIC insured (for cash) and SIPC protected (for securities).