Your IRA & Early Retirement Money Manager Since 1990
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Philosophy
Managing Market Risk to Grow and Protect Your Hard-Earned Money
Horizon RIA is a Christ-centered, fee-only, independent fiduciary money manager with more than 35 years of experience. We actively manage your IRA to take the worry out of investing—so you can retire with confidence.
Your account is actively managed to maximize upside while protecting against downside risk. We invest in carefully selected funds and ETFs with strong risk-adjusted returns and rotate into stronger performers as market leadership changes.
While markets have historically recovered over time, there is no guarantee the Federal Reserve will intervene in the next crisis—or that your portfolio will rebound when you need it most. Our disciplined approach is designed to balance opportunity and risk through wisdom and responsible stewardship.
We serve retired and early-retired clients and always sit on the same side of the table, with fully aligned interests. We would be honored to serve as your trusted investment advisor and fiduciary money manager.
Getting started is simple. Once we identify a strategy aligned with your goals and risk tolerance, you complete a secure online application—and we handle the rest, so you can focus on what matters most.
Our edge is experience. For over 35 years, we have actively managed client accounts, capturing upside and avoiding life-changing losses. Since 1990, our disciplined approach has blended fundamental, technical, and chart analysis to prudently manage risk while growing and protecting client assets, just as we manage our own money.
- $We invest alongside our clients to align interests and minimize conflicts.
- $As a Registered Investment Adviser (RIA), we must act in your best interest.
- $In the next bear market, who will you trust to protect your wealth?
- $We're skating to where the puck is going, not where it’s been.
- $Let us reposition your IRA today for tomorrow.
Why We Are Different?
We invest only in commission-free stocks, ETFs, and no-transaction-fee (NTF) funds. We do not sell loaded mutual funds, annuities, or insurance products—eliminating conflicts of interest and keeping our advice objective and aligned with your best interests.
There are no Altruist custodian fees and no back-end or hidden charges. Our ONLY compensation is a transparent, tiered advisory fee ranging from 0.10% to 2.00% annually, deducted monthly. We are fee-only—not fee-based—so our interests are aligned with yours. We earn our fee by actively managing risk, not by buying and hoping. Altruist accounts are FDIC-insured for cash and SIPC-protected for securities.
3 Model Strategies Managed in 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 investments with biblical principles, investing only in securities with a zero or positive Inspire Impact Score while seeking appreciation in bull markets and preservation in bear markets.
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Agreement & Applications:
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