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Horizon Wealth Advisors is a Houston-based, fee-only financial planning and wealth management firm established in 1999.
Our mission at Horizon Wealth Advisors is to develop long-term relationships with thoughtful, successful individuals, families, and organizations by supporting and assisting them in achieving their financial goals.
Our Process.
Becoming a Horizon Wealth Advisors client begins with a series of meetings and a great deal of behind-the-scenes work by our team to gain a deep understanding of a client’s unique family and financial circumstances. We follow an organized process for all new and existing clients.
Understand.
Our first goal is to understand you, your family, and your overall financial circumstances. We start by gathering and analyzing all the relevant financial data and planning documents. We then dedicate time to understand your goals for the present and for the future.
Organize.
Once we have thoroughly assessed your financial matters and personal objectives, we organize everything in a manner that provides for clear and understandable recommendations. We do this by preparing a comprehensive study of your current financial situation and then creating a forecast to determine the likelihood of achieving your goals. We then work with you to develop an implementation strategy.
Manage.
Once we have agreed on a strategy, we manage the process for you. We execute our investment strategy and carefully tend to the needs of your portfolio. We continuously monitor your plan and update it to ensure you are staying on course. Circumstances change, and financial plans must be flexible to accommodate the inevitable twists and turns in life. We will work with you throughout the changes and make sure you continue to progress towards your goals.
We are your long-term partner.
We work with successful professionals who are accumulating their wealth, as well as retirees who seek to maintain their current lifestyles and preserve their wealth. We believe that financial decisions are best made in the context of a thoughtfully considered plan. The foundation of our wealth management process is to understand, organize, and manage our clients’ wealth for the long-term.
As a full-service wealth management firm, we offer the following services as part of our comprehensive and collaborative wealth management process.
Financial Planning
Estate Planning
Retirement Planning
Education Planning
Investment Management
Tax Services
Charitable Planning
Estate & Trust Services
Learn more about how we can help you.
Services
Our Principals
Larry Maddox, Owen Murray, and Colin Lee are the principals of Horizon Wealth Advisors and have many years of experience serving clients together.
Larry Maddox CFP®, CPA
Partner, President
As Partner and President of Horizon Wealth Advisors, Larry works with clients in all facets of the wealth management process. He collaborates with our wealth management team and other external advisors to provide comprehensive wealth management services.
Owen Murray, CFA
Partner, Director of Investments
As Partner and Director of Investments, Owen is principally involved in investment research and portfolio construction. Owen spends much of his time analyzing and managing Horizon Wealth Advisors’ clients’ investment portfolios and often participates in client meetings.
Colin Lee
Colin Lee, CFP®
Partner, Director of Financial Planning
As Director of Financial Planning, Colin is responsible for supporting the financial planning aspects of the wealth management process. Colin Lee is a Certified Financial Planner™ and works closely with clients to comprehensively analyze their financial situation and goals.
Frequently Asked Questions
How do you get paid?
We are a fee-only advisor. Our clients pay us for our advice and counsel and we receive no compensation beyond that paid by our clients. We charge our clients a percentage of the assets that we manage for them. For example, we charge 1.25% on the first $500,000 in assets. The larger the amount that we manage, the lower the overall fee. Fees are calculated on an annual rate and collected quarterly in advance. Click here for our fee schedule.
Do you provide "hourly" financial planning?
We are a fee-only advisor but we do not prepare plans on an hourly or one-time basis. We are interested in creating a long-term relationship with our clients. Our best advice comes from having a deep understanding of our clients’ financial information and an ongoing relationship.
Are you a Fiduciary?
In a word, “Yes.” We are registered with the SEC as a Registered Investment Advisor. In this capacity, we are held to a fiduciary standard and are bound to putting our clients’ interests first at all times. In addition, we follow the fiduciary practices recommended by the Institute for the Fiduciary Standard. Learn more about our fiduciary commitment which is based on the core principles of always demonstrating loyalty and acting with due care and in utmost good faith.
What services do you provide?
In addition to investment management and financial planning, we provide counsel and assistance with income tax planning, estate planning, insurance planning, education planning and other requested services. Click here to view our services.
What type of clients do you help?
We have a range of clients. Many have already accumulated wealth and many are just getting started. The common characteristic is that they are committed to planning their futures and they are serious about saving and reaching their goals. They also choose to have a long-term relationship with an advisor who can help them along the way.
What is your investment approach?
We follow an institutional investment management approach. We are long-term investors, so our portfolios of mutual funds and ETFs are built with the future in mind. Once we have determined an appropriate investment policy, specific to each of our clients, we stick to the policy, with regular rebalancing to stay within our mutually agreed risk tolerance.
How often are you in contact with your clients?
After our initial planning, we like to meet with our clients at least once a year. However we are available to meet whenever a client needs.
We have been referenced in the following publications.
