Privacy Policy

 

FACTSWHAT DOES HORIZON INVESTMENTS, LLC DO WITH YOUR PERSONAL INFORMATION?
Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Assets
  • Retirement Assets
  • Transaction History
  • Checking Account Information
  • Purchase History
  • Account Balances
  • Account Transactions
  • Wire Transfer Instructions

When you are no longer our client, we continue to share your information as described in this notice.

How?All financial companies need to share your personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Horizon Investments chooses to share; and whether you can limit this sharing.

 

Reasons we can share personal informationDoes Horizon Investments share?Can you limit this sharing?
For our everyday business purposes –
Such as to process your transactions, maintain your account(s),
respond to court orders and legal investigations, or report to credit bureaus
YesNo
For our marketing purposes –
to offer our products and services to you
NoWe don’t share
For joint marketing with other financial companiesNoWe don’t share
For our affiliates’ everyday business purposes –
information about your transactions and experiences
NoWe don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness
NoWe don’t share
For nonaffiliates to market to youNoWe don’t share

 

Questions?Call 866.371.2399

 

Who we are
Who is providing this notice?Horizon Investments, LLC
What we do
How does Horizon Investments protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Our service providers are held accountable for adhering to strict policies and procedures to prevent any misuse of your nonpublic personal information.
How does Horizon Investments collect my personal information?We collect your personal information, for example, when you

 

  • Open an account
  • Provide account information
  • Give us your contact information
  • Make deposits or withdrawals from your account
  • Make a wire transfer
  • Tell us where to send the money
  • Tell us who receives the money
  • Show your government-issued ID
  • Show your driver’s license

 

We also collect your personal information from other companies.

Why can’t I limit all sharing?Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.

  • Horizon Investments does not share with affiliates.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies

  • Horizon Investments does not share with nonaffiliates so they can market to you.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Horizon Investments does not jointly market.

Goals-Based Investment Management

WHAT IS GOALS-BASED INVESTING?

As a goals-based investment manager, we believe investment problems and challenges are best addressed in the context of an investor’s goals—the ultimate reason behind saving and investing. By aligning investment solutions with investor goals, investors have better opportunities to measure the actual “real world” outcomes they seek.

At Horizon Investments, we think most investors follow a journey that looks the diagram below—the investor grows wealth to a certain point in time and then spend that wealth. Along that journey, Horizon has identified three unique stages that investors encounter.

USING A GOALS-BASED APPROACH

Each client’s investment-related goals consist of three stages—accumulation (or the gain stage), preservation (or the protect stage) and distribution (or the spend stage). Importantly, for every goal, each stage has its own overarching objective and risk.

Each client’s investment-related goals consist of three stages—accumulation (or the gain stage), preservation (or the protect stage) and distribution (or the spend stage). Importantly, for every goal, each stage has its own overarching objective and risk.
GAIN Stage
⊲⊲ Primary Objective: Accumulation
Growing wealth so it can support and enhance life goals.
⊲⊲ Key Risk Metric: Volatility
Intense volatility or declining markets can generate bad investor behavior.
PROTECT Stage
⊲⊲ Primary Objective: Preservation
Guarding wealth against catastrophic losses that can derail financial plans and directly threaten the ability to adequately fund goals.
⊲⊲ Key Risk Metric: Drawdown
The Protect stage begins reasonably close to the desired start of the Spend stage, which means there isn’t much time for investors to recover from large drawdowns.
SPEND Stage
⊲⊲ Primary Objective: Distribution
Ensuring that grown and preserved wealth is there to meet needs during what may be a lengthy and active retirement.
⊲⊲ Key Risk Metric: Longevity
The dominant investment risk in this stage is longevity: running out of money before the goal is fully met.
Ultimately, the fundamental definition of risk must change and adapt over time as an investor transitions into each new stage of the goals-based program. Likewise, the investment strategies and portfolio construction decisions aimed at mitigating risk must also change and adapt to each new stage. For example, a portfolio in the Gain stage should have different characteristics and attempt to mitigate different risks than a portfolio in the Protect or Spend stages.
To Learn more about Goals-Based Investing download our research paper here.

Horizon Investments’ Story

Horizon Investments is a modern, goals-based investment manager and think tank. Our focus is on goals-based investment strategies, to help financial advisors and their clients improve the investment experience relative to real world, prioritized financial goals.

Founded in 1995, Horizon provided investment advice to individual clients while utilizing a process based on quantitative analysis. Today our investment process balances quantitative expertise with a qualitative perspective, including economic, fundamental and geopolitical analysis. Over 20 years, we’ve continued to expand our investment management team to include the seasoned academics and research analysts needed to pursue forward-looking approaches to address a myriad of challenges that investors face while seeking to grow their wealth. As a result, financial advisors turn to Horizon for our innovative risk mitigation and retirement income strategies. Rooted in a global active investment approach, the firm’s GAIN PROTECT SPEND® framework, combined with its investment management methodology, has been a cornerstone of Horizon’s portfolio construction process for over a decade.

Click here to watch our history in review.

Team

Horizon is a leading provider of modern goals-based investment management. We work in partnership with financial advisors to deliver investment strategies that align clients’ wealth with their life goals.

OUR MISSION