ADV Narrative
ADV Narrative
April 6, 2023
This Brochure provides information about the qualifications and business practices of Horizon Financial Group, Inc. If you have any questions about the contents of this Brochure, please contact us at 732-868-1040 orbob@horizonfinancialgrp.com. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.
Horizon Financial Group, Inc. is a registered investment adviser. Registration of an Investment Adviser does not imply any level of skill or training. The oral and written communications of an Adviser provide you with information about which you determine to hire or retain an Adviser.
Additional information about Horizon Financial Group, Inc. also is available on the SEC’s website at www.adviserinfo.sec.gov.
Material Changes since last update since March 11, 2022:
- Form ADV Part 2A Item 4 (Advisory Services). HFG updated its regulatory assets under management as of December 31, 2022.
- Part 2A Item 4 Advisory Business & Item 5 Fees and Compensation. HFG has updated its advisory services and fees to include offering Lincoln Financial Securities Corporation ("LFS") Custom Wealth Advantage Programs. LFS is the sponsor of Custom Wealth Advantage ("CWA"), an investment advisory program that provides access to individualized investment management services. LFS allows its IARs, advisory representatives of affiliated investment advisers, or advisory representatives of certain independent registered investment advisers (collectively, "Advisers"), to offer the investment advisory services to their clients and potential clients. HFG has also updated its fees to reflect that it receives its advisory fees in advance. Annual Update The Material Changes section of this brochure will be updated annually and/or when material changes occur since the previous release of HFG’s Brochure. A summary of changes is necessary to inform clients of any substantive changes to HFG’s policies, practices, or conflicts of interests so that they can determine whether to review the brochure in its entirety or to contact HFG with questions about the changes.
Horizon Financial Group, Inc. (“HFG”) is a Corporation organized in the state of New Jersey. This firm has been in business since August 2, 2001, and the principal owner is Robert V. Iandoli. HFG provide investment advisory and financial planning services to individuals, high-net-worth individuals, and other non-profit organizations (e.g., Union) (herein referred to as “Client” or “Clients”).