Your IRA & Early Retirement Money Manager Since 1990
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 professionally and actively managed to capture the upside while protecting against downside risk. We invest in carefully selected stocks, 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, experience-driven process focuses on prudent risk management, opportunity, and responsible stewardship.
We specialize in working with retired and early-retired clients, always sitting on your side of the table. As a fee-only fiduciary, we succeed only when you do, and we never sell insurance or annuities.
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.
If you’ve been searching for a “Christian money manager near me,” you’ve found one.
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.
What Makes Us 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. We work for you—not a bank, broker, or insurance company. All Altruist accounts are SIPC-protected for securities.
3 Model Strategies: Separately Managed
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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Dexter is very deligent and works hard at gaining capital while managing risk to avoid life changing losses. It’s that philosophy and practice that has made him successful and trustworthy.
Dexter and his team first and foremost, have the integrity and character.... Dexter is an amazing financial advisor with a wealth of knowledge, managing finances. I know for me personally, trust means more than financial wisdom...... Dexter is a man that it will always be honest, fair, and walks Boldly with integrity!!
I wish there was a way I can give you more than five stars my brother!!
Dexter is wise beyond his years. His understanding of finances is impressive. He doesn’t just invest money; he communicates clearly and thoughtfully about what he sees in the market through his weekly newsletter.
Dexter is a Godly man of integrity and professionalism. He will take care of his clients like they are members of his own family.
I’ve know Dexter for over 30 years, he is a highly professional and dedicated investment professional.
We've invested with HCM for over 30-years - and that kind of longevity doesn’t happen by accident. Integrity, consistency, and sound conservative judgment year after year. We trust the HCM team to continue to grow and preserve our financial future.
I’ve known Dexter for about 20 years. His stewardship is phenomenal and his commitment to biblical investing and critical thinking are top notch.
I’m no financial expert, so I put my money in under the supervision of a Christ Following Man in Dexter Lyons. Dexter has been Managing Finances for a LONGTIME under Godly Principles. I have personally seen gain under his market management strategy of “receive gains when the market is paying gains, and don’t lose when the market is not paying”! I fully trust Dexter and I highly recommend him to you.
Dexter is a very knowledgeable and experienced financial professional. I have known him for 14 years and he has always demonstrated the highest level of integrity and trustworthiness. Every moment spent with him has been truly valuable and refreshing. He is a strong man of God and it is reflected in all his work.
I have know Dexter for over 25 years. Along with being smart, he is most faithful, truthful, and caring. I highly recommend Dexter.
Always committed to the best in any endeavor he takes on. A good man and a good friend.
I’ve known Dexter for many years and he’s first class! One of the most trusted, diligent and reliable financial advisors I know. I highly recommend Dexter and his firm.
Dexter Lyons is a man of character and integrity. He Is extremely hard-working and dedicated to the financial success of his clients. Dexter cares, is trustworthy and has a desire to always do better.
I have known Dexter for many years. I highly respect him both personally and professionally.
Definitely someone you can trust as a friend and your financial advisor. Thanks Dexter 
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