Integrated advice
Planning, investment management, and retirement decisions are considered together so the guidance reflects the full picture.
Integrated financial guidance for real life
Wherever Money Touches Life,We're There
Planning, disciplined investment management, and personal advice brought together in one steady relationship.
WHAT HORIZON DOES
Where planning, investing, and real life come together.
Good financial advice is rarely about one decision in isolation. It is about understanding how the moving parts fit together and helping people make thoughtful choices as life, priorities, and questions evolve over time.
Real-life perspective
Advice should reflect the life you are actually living, not just the account in front of you.
Personal connection
Clients are supported by a responsive team that knows them personally and works together to provide continuity, care, and follow-through.
WHO WE SERVE
Advice for life as it changes.
Most people do not come to us with one question that stays the same forever. The concern that brings you in today may not be the one that matters most five or ten years from now.
Mid-career
You may be earning more, carrying more responsibility, or navigating work changes. We help organize competing priorities so decisions feel connected.
Families
Saving, spending, planning, and protecting what matters can quickly overlap. We help make those moving parts easier to see and manage.
Pre-retirees
As retirement gets closer, questions about readiness, timing, and tradeoffs become more immediate. We help clarify what the transition could require.
Retirees
Income, taxes, investing, and changing priorities still need ongoing coordination. We help keep decisions connected as retirement unfolds.
The Horizon Difference
A personal relationship, backed by a real team.
Clients get to know the people they work with. Behind that familiarity is a team that stays aligned, keeps work moving, and supports the relationship with care.
Mark A. Congdon, AIF
Founder, President
Timothy R. Hammond
Senior FinancialAdvisor
Amanda Heagerty
Financial Advisor
Jonathan Blazick
Financial Advisor
Brian Novellin
Director of Trading
Cyndy Hayes
Director of FirstImpressions
Peter Hartz
Client ServicesSpecialist
Michael Congdon
CEO, CCO
Kenneth Blazick, AIF
CIO
Donald J. Kwarta
Financial Advisor
Benjamin Chappell
Investment Analyst
Work That Keeps Moving
Research, planning, and portfolio work keep moving between meetings.
Advice That Stays Aligned
Planning and investment decisions are handled together, not in separate lanes.
Support Beyond One Person
Clients have a close relationship without everything depending on one individual.
CORE SERVICES
Three core service areas, built to work together.
Our work is three service areas that move together: planning, investment management, and retirement support.
Financial Planning
Financial planning helps bring structure to the decisions that shape your life, from saving and cash flow to long-term priorities and changing goals over time.
What This May Include
- Guidance for the financial decisions in front of you
- Savings and cash flow decisions
- Education or major goal planning
- Planning around life changes and tradeoffs
Investment Management
Investment management is the ongoing oversight, discipline, and portfolio guidance that help keep investments aligned with your goals, risk tolerance, and broader financial picture.
What This May Include
- Portfolio construction and oversight
- Risk alignment and rebalancing
- Ongoing monitoring and adjustments
- Coordination with broader planning decisions
Retirement Planning
Retirement planning helps clients prepare for retirement and navigate the financial decisions that come with it, including income, timing, and how the pieces fit together.
What This May Include
- Retirement timing and readiness
- Income and withdrawal planning
- Rollover decisions
- Coordination across taxes, spending, and investments
Our Process
A simple path from first conversation to long-term relationship.
Our process is designed to help you decide if we're a good fit, then map practical next steps with clarity.
01
Fit Call
We start by understanding your situation, what you need, and whether there may be a fit.
02
Discovery
If it makes sense to continue, we take a closer look at your goals, priorities, and broader financial picture.
03
Strategy Review
We show how we would approach the needs and priorities we discussed so you can see what working together would actually look like.
04
Onboarding and Support
If you move forward, we guide implementation and begin the relationship with continuity, care, and ongoing support.
Start the Conversation
Let's start with a conversation.
If this feels right, we'll start with a short conversation about your next step.