Disclosures and Disclaimers

With respect to the description of any investment strategies, simulations, or investment recommendations, we cannot provide any assurances that they will perform as expected and as described. Past performance is not indicative of future results. Every investment has the potential for loss as well as gain. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk and there can be no assurance that any specific investment will be profitable or suitable for a particular investor’s financial situation or risk tolerance.

More information regarding products and services is available upon request, by download in the following links, by contacting Johann Klaassen, 505.982.9661, 535 Cerrillos Road, Suite A2, Santa Fe, NM 87501 or through our Contact page.

Please note: Horizons and its Representatives cannot accept trading or money movement instructions via email. All such instructions must be delivered via voice, live.

Horizons Sustainable Financial Services, Inc. archives all email and other electronic communications. Supervisory personnel review, and regulating authorities such as the SEC may inspect, all communications. Email transmission can be unreliable and the necessary spam filters sometimes over eager, so please do not rely on it for time-sensitive matters. Electronic communications may contain material protected under privacy policies and is only for the use of the intended individual.

If you have received an email from Horizons in error, we ask that you contact the sender and destroy the email and its contents.
If you have any questions regarding our email policies, please contact us.

Form CRS Relationship Summary: We are an investment adviser registered with the Securities and Exchange Commission that offers advisory accounts and services rather than brokerage accounts and services. Our Form CRS Relationship Summary document gives you a summary of the types of services we provide and how you pay, with some suggested questions to ask us at the end of each section. Please ask us for more information.

Form ADV Part 2A – Firm Brochure: Our Firm Brochure provides a detailed collection of the information summarized in the Form CRS. It includes details regarding the people who make up Horizons Sustainable Financial Services, Inc., the services we provide to our clients, the investment strategies we use and associated risks, and so on. You can obtain a copy of the full Form ADV disclosure document from the SEC’s website at https://adviserinfo.sec.gov/, or you may Contact Us to request a PDF or paper copy free of charge.

CERTIFIED FINANCIAL PLANNER® / CFP®

The CERTIFIED FINANCIAL PLANNER®, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and several other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

• Education – Complete an advanced college‐level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
• Experience – Complete at least three years of full‐time financial planning‐related experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:

• Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
• Ethics – Renew an agreement to be bound by the Standards of Professional Conduct.

The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Accredited Investment Fiduciary® (AIF®)

Investment fiduciaries and professionals are constantly exposed to legal and practical scrutiny. It is likely that complaints and/or lawsuits alleging investment mismanagement will continue to increase. Many can be avoided by having clear knowledge of who constitutes a fiduciary and what is required of one. The AIF Designation Training and designation help mitigate this liability with instruction covering pertinent legislation and best practices. Accredited Investment Fiduciary® (AIF®) designees have the ability to implement a prudent process into their own investment practices as well as being able to assist others in implementing proper policies and procedures.

Benefits of the AIF® Designation

In addition to the knowledge and business opportunities the AIF® designation represents, all active designees are entitled to the following services and benefits:

• Access to a library of materials focused on the fiduciary standard created by experts and continually updated based on advances in case law, regulatory activity and thought leadership.
• Listing in online Designee Search Library accessible to prospective and current clients, media, potential employers and referrals.
• Continuing education courses and lectures.
• One‐on‐one service and support from Fi360 staff.
• Access to Fi360’s software tools and annual Conference and bookstore

AIF® designees adhere to both the Code of Ethics and Conduct Standards. The Code of Ethics consists of the tenets of ethical conduct expected of all credential holders, while the Conducts Standards pertain to any past criminal and civil litigation, regulatory events, and personal and professional conduct.

Continuing Education Requirement

AIF® designees must accrue a minimum of six hours of continuing education annually. The CE requirement is effective immediately upon attainment of the AIF® designation, and CE hours may be accrued from a variety of sources. All CE is subject to audit by, and final approval from, Fi360.

For more information, see the website of Fi360.

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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Horizons, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness.

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When you are on this website you may have the opportunity to click-through to other websites, including websites operated by unaffiliated third parties. These sites may collect nonpublic personal information about you. We do not control sites operated by these entities and are not responsible for the information practices of these sites. This policy does not address the information practices of other websites; the privacy policies of websites operated by third parties are located on those sites.

Horizons reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.
These Terms were last updated on March 2025.