We take a step-by-step approach to developing your structured investment program to ensure your investments work for you. Here's how it works:
Step 1 – Complete your client investment profile.
We want to understand you and your goals, your tolerance for risk and your timeframe, also known as the Three Ts (Time, Tolerance and Temperament).
Step 2 – Conduct a careful analysis of your overall financial situation.
We will review investment matters such as impending retirement, the quality of your estate plan, or any other financial concerns you may have. This will help ensure that we develop a portfolio that truly meets your objectives.
Step 3 – Determine your asset allocation.
From conservative to aggressive, our portfolios span a significant range of potential investment objectives. You can choose among seven portfolios, each consisting of a dynamic mix of cash equivalents, fixed income and equity instruments that are selected using Horizon’s proprietary Bellwether selection process, and ensuring qualified professionals manage each asset class.
Step 4 – Rebalance your portfolio.
Given the constant changes in the marketplace, rebalancing a portfolio has become more important than ever. That’s why we observe portfolio valuation characteristics, concentrations, and performance to ensure that your portfolio remains diversified. We attempt to shift gains when appropriate from asset classes that have appreciated to asset classes that we feel remain undervalued. This process – known as dynamic asset allocation – helps reduce risk because asset classes that have appreciated tend to have increased volatility.
Step 5 – Track results.
To help track your progress, Horizon provides written confirmation of portfolio changes, including quarterly statements. We also provide market and strategy updates through our publication, Viewpointe, and online through our secure web site.
Whether you’re saving for retirement, want to increase your current stream of income or you’re planning for future generations, we can help. Find out more by scheduling a confidential review with a Horizon Advisor today.
Investment vehicles made available through Horizon Trust & Investment Management are: Not deposits or other obligations of, or guaranteed by Horizon Bank; Not insured by the FDIC; Subject to investment risks, including possible loss of principal.