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 starts by understanding how the moving parts of life fit together. We help clients navigate decisions with advice that is thoughtful, coordinated, and built to 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 team that knows them personally and works together to provide the continuity, responsiveness, and care that come with a real relationship.
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 professionals
You may be earning more, taking on more, or navigating changes in work along the way. We help bring structure to the competing priorities.
Families
Family life makes financial decisions more connected. Saving, spending, planning, and protecting what matters all start to overlap. We help make those moving parts feel more manageable.
Pre-retirees
As retirement gets closer, the questions tend to feel more immediate. We help clients think through readiness, tradeoffs, and what the transition should look like.
Retirees
Retirement does not end the need for thoughtful advice. Income, taxes, investing, and shifting priorities still need to work together in a way that feels steady and sustainable.
You may see yourself in more than one of these.
Most people do. What matters is having advice that fits the life you are actually living.
Why Horizon
Warm, thoughtful, and built to feel different from the standard advisor template.
The story here is not scale for its own sake. It is the kind of relationship clients get when planning, investments, and service are all treated as connected.
01
A team, not a bottleneck
Clients are supported by people with different strengths, so service stays thoughtful and responsive.
02
Planning and investments in one relationship
Decisions work better when planning and portfolio guidance stay in the same conversation.
03
Advice that feels personal and understandable
The goal is to make important decisions clearer, calmer, and easier to act on.
04
Long-term relationships built on trust
The relationship is built to adapt as life, goals, and responsibilities change.
Core services
Substance over labels, with each service connected to the relationship as a whole.
The services are designed to work together so decisions around planning, investments, and retirement support one another instead of competing for attention.
01
Financial Planning
Financial planning gives clients a clear place to organize priorities, tradeoffs, and next decisions.
- Retirement readiness and major life decisions
- Cash flow, saving strategy, and competing priorities
- A plan that stays connected to the relationship
02
Investment Management
Investment management stays tied to the broader relationship, not separated from it.
- Portfolio design aligned to goals and risk
- Ongoing research, oversight, and adjustments
- Long-term discipline instead of reacting to headlines
03
Retirement Planning
Retirement planning helps clients move from saving to living from assets with more clarity.
- Income, withdrawals, and transition planning
- Guidance for the shift from paycheck to portfolio
- Ongoing support as retirement continues to change
Team-based experience
The service model should feel personal without depending on a single point of failure.
At Horizon, clients are not relying on one person behind one desk. They are supported by a team that works together to bring continuity, perspective, and care to the relationship.
Advisors, investment professionals, and client service stay connected so the relationship can remain responsive as life changes.
Founder, President
Mark A. Congdon, AIF
Founder and president who built Horizon around steady relationships and long-term trust.
Senior Financial Advisor
Timothy R. Hammond
Senior advisor known for thoughtful reviews, steady guidance, and long client relationships.
Chief Executive Officer / Chief Compliance Officer
Michael Congdon
CEO and CCO helping guide strategy, operations, and firmwide continuity.
Financial Advisor
Amanda Heagerty
Advisor bringing practical guidance and empathy to everyday financial decisions.
Process preview
A simple path from first conversation to long-term relationship.
A good advisory relationship should begin with clarity, not pressure. The initial experience should help prospects understand fit before they make any decisions.
01
Fit Call
We start by understanding your situation, what you need, and whether there may be a fit.
02
Discovery
If the fit seems real, we look more closely at goals, priorities, and the broader financial picture.
03
Strategy Review
We show how we would approach your situation so the next step feels clear, not pressured.
04
Onboarding and Ongoing Support
If you move forward, we guide implementation and begin the relationship with continuity and care.
Start the conversation
Let's start with a conversation.
If you are looking for thoughtful guidance around planning, investing, retirement, or a life transition, we can start with a conversation about where you are and what matters most.
Whether you are preparing for retirement, navigating a transition, or simply trying to make better sense of the decisions in front of you, Horizon is built to help with clarity, care, and a long-term view.