At Horizon—we prioritize you and your financial objectives. Our goals-based approach provides strategies designed to meet your evolving needs and objectives, ensuring your portfolio stays aligned with what matters most. Whether you’re growing wealth, protecting assets, or planning for the future, we help you navigate every stage of your financial journey with confidence.
Horizon’s Three Stages of Goal-Based Investing
- Gain Stage: Focuses on growing and accumulating their wealth through strategies customized to support their life goals. During this phase, clients likely have the time to withstand market fluctuations, making volatility the primary risk to manage. The goal is to grow their wealth over time with a portfolio that reflects their appetite for risk.
- Protect Stage: Focuses on preserving the wealth they have worked hard to build. During this phase, the risk of loss becomes more significant than short-term volatility. The goal shifts to protecting a client’s portfolio from drawdowns that could derail their financial plan.
- Spend Stage: In this stage, we believe most clients are focused on making sure their portfolios can generate distributions that may stretch over many years. This means the primary risk for clients is longevity, so portfolios should aim to reduce the risk of running out of money.
People Also Asked
- What is goal-based investing?
Horizon’s innovative framework for goals-based investing is designed around people and their financial objectives. Our approach provides solutions designed to meet people’s evolving needs and objectives, ensuring portfolios stay aligned with what matters most. - How do I start goal-based investing?
Work with your financial advisor to define your financial goals and evaluate your risk tolerance. Your financial advisor will then create investment strategies that reflect your needs and objectives. - What are the benefits of goal-based investing?
This approach fosters clarity in investment decisions and supports long-term financial health.
Learn More
- Internal Link to Horizon’s Goal-Based Investing Page: Discover tailored strategies and services designed to help you achieve your financial goals.
- External Link to SEC’s Guide on Investment Strategies: Access valuable insights from the SEC on various investment strategies to guide your decisions.
Get Started
At Horizon, we believe in the power of Expectational Certainty™ as the cornerstone of our investment strategy. This innovative approach focuses on aligning your investment journey with your unique financial goals.
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Individual Focus: We understand that each client’s aspirations are distinct. Our team is dedicated to helping you define and prioritize your financial objectives, ensuring your investment strategy reflects your personal vision.
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Connecting Products to Planning: Our offerings are designed to seamlessly integrate with your overall financial plan, creating a cohesive strategy that drives towards your goals.
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Goals-Based Strategy: We deploy a structured Goals-Based Strategy that prioritizes not only wealth accumulation but also sustainable financial growth, guiding you through the three essential phases of investing: accumulation, preservation, and distribution.
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Innovative Solutions: In a constantly evolving financial landscape, we innovate to address modern challenges, equipping you with the tools and insights necessary to navigate your investment journey with confidence.
Start your path to financial clarity today by exploring how our unique approach can help you achieve your goals. Learn more about our strategies here.
Visual Suggestions
Infographic: Create a visual representation that outlines the three essential phases of Goal-Based Investing, illustrating the transition from accumulation to preservation and finally to distribution. Use distinct sections for each phase, along with icons to represent key strategies and goals associated with each stage.