How We Work

Sustainable, Socially Just Investment Practices

Horizons specializes in personalized service that takes into account your values, lifestyle, goals, and current financial situation. Our clients range from experienced investors to newcomers to the world of finance, those who seek to expand an existing portfolio, young people just starting out, people looking to manage a recent inheritance or plan for retirement—anyone seeking to support SRI principles as a way of aligning their finances with their values.

Unlike some large investment houses that include SRI as a smaller, less important offshoot of their overall business, Horizons maintains SRI as our exclusive focus, and pursues SRI values in our overall business practices as well as in our personal lifestyle choices.

To that end, we subscribe to the principle of the Triple Bottom Line:

Building our business in an ethical way that minimizes its impact on the environment through the use of clean technologies and the promotion of sustainability.

Performing exceptional due diligence to bring you the most complete, up-to-date information about companies engaged in socially and environmentally responsible practices.

In lieu of client gifts, we make charitable donations according to our clients’ preferences, engaging and building our community.

Our Services Include:

Investment Management
Cash Flow Analysis/Debt Management
Employee Benefits
Retirement Planning
Tax Planning Strategies

Education Planning
Estate Planning Investment Planning/Consultation
Broad‐Based Plan Review Services
Educational Workshop (Sponsors Only)

…and are offered in one of two ways:

Fees on assets under our management
By the hour, retainer, or flat planning fee.

Getting Started

Your initial consultation is free of charge.

While it is not necessary to bring any documents with you to our first meeting, it can be helpful to have any pertinent investment statements and tax returns at hand to assist us further in evaluating your needs.

Our Client Relationship Summary (Form CRS) as a pdf can be downloaded here. Additionally, free and simple tools you can use to research Horizons, other firms, and financial professionals are available online at www.investor.gov/CRS. Their tool also provides important educational materials about broker-dealers, investment advisers, and investing in general.

Download our worksheet and questionnaire to get started:

Choosing the Right Investments for You

Which investments are right for your portfolio? In order to find out, we start by listening to you — to find out your tolerance for risk, and your need for portfolio growth and income, of course, but also to hear about which environmental, social, and corporate governance issues are most important to you. We then take what we learn from you about your wants and needs, and use that to help us sift through our database of almost five hundred mutual funds from fifty-five different firms, and another two hundred separately-managed account options from thirty management firms, to find the right mix of assets for your portfolio.

As part of this due diligence, we maintain personal relationships with industry leaders and stay abreast of industry news and developments through seminars, forums, and conventions. Horizons is a member of the Social Investment Forum, the professional association dedicated to advancing SRI investment practices to create a world in which investment capital helps build a sustainable and equitable economy. The Forum provides us with daily news feeds and immediate access to leading data to keep us up-to-the-minute on industry developments.

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Impact investing is not a destination it’s a journey. It is the experience of meeting one’s financial goals while effecting change and is a fulfilling process.
Kim Griego-Kiel

Horizons Sustainable Financial Services, Inc., is a Registered Investment Advisor, registered with the SEC, however, such registration does not imply a certain level of skill or training and no inference to the contrary should be made. The information contained within this website is for informational purposes only and should not be considered investment advice or a recommendation to buy or sell any types of securities. This information is provided with the understanding that we are not engaged in rendering legal, accounting, or tax services. We recommend that all investors seek out the services of competent professionals in any of the aforementioned areas.

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 in our materials. Past performance is not indicative of future results. Every investment program 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.

For detailed information about our services and fees, please read our Form ADV Part 2A, which can be found at https://adviserinfo.sec.gov/, here, or you can call us and request a copy at 505.982.9661.