Disclosures
Registration Disclosures
Horizon Financial Planning LLC is a registered investment adviser (RIA) domiciled in, and registered in, the states of Louisiana and Texas. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Horizon Financial Planning LLC may only transact business or render personal investment advice in states where the firm is registered or otherwise excluded or exempted from registration requirements. Follow-up or individualized responses to consumers in a particular state by the firm in the rendering of personalized investment advice for compensation shall not be made without first complying with jurisdiction requirements or pursuant an applicable state exemption, and such responses will only be made by investment adviser representatives acting with the knowledge of the firm.
Copies of the Firm’s Brochure (Form Form ADV Part 2), Privacy Policy, and Code of Ethics are available at any time upon request, and can also be found using links at the bottom of the page. For information concerning the status or disciplinary history of a broker-dealer, investment advisor, or their representatives, a consumer should contact their state securities administrator. The State of Louisiana’s Office of Financial Institutions can be reached at: http://www.ofi.state.la.us/.
Blog Disclosures
This commentary on this website reflects the personal opinions, viewpoints and analyses of the Horizon Financial Planning LLC employees providing such comments, and should not be regarded as a description of advisory services provided by Horizon Financial Planning LLC or performance returns of any Horizon Financial Planning LLC investment client.
The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person.
Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Horizon Financial Planning LLC manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results. Horizon Financial Planning LLC employees may hold a position in the securities discussed, long or short, and does not constitute a recommendation or endorsement in any way, shape, form, or design; the position may not be disclosed.
Podcast and YouTube Disclosures
The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security.
It is only intended to provide education. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results.
Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.
Horizon Financial Planning LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Horizon Financial Planning LLC and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Horizon Financial Planning LLC unless a client service agreement is in place.
No Rendering of Advice
The information contained within this website is provided for informational purposes only and is not intended to substitute for obtaining accounting, tax, or financial advice from a professional accountant. Presentation of the information via the Internet is not intended to create, and receipt does not constitute, an accountant-client relationship or a planner-client relationship. Internet subscribers, users and online readers are advised not to act upon this information without seeking the service of a professional accountant. Any U.S. federal tax advice contained in this website is not intended to be used for the purpose of avoiding penalties under U.S. federal tax law. A client relationship may only be engaged in the form of a fully executed client agreement, and even in the event someone has a client agreement in place with HFP, information from this website should not be regarded as advice.
Accuracy of Information
While we use reasonable efforts to furnish accurate and up-to-date information, we do not warrant that any information contained in or made available through this website is accurate, complete, reliable, current or error-free. We assume no liability or responsibility for any errors or omissions in the content of this website or such other materials or communications.
Disclaimer of Warranties and Limitations of Liability
This website is provided on an “as is” and “as available” basis. Use of this website is at your own risk. We and our suppliers disclaim all warranties. Neither we nor our suppliers shall be liable for any damages of any kind from the use of this website.
Links to Third Party Websites
For your convenience, this website may contain hyperlinks to websites and servers maintained by third parties. We do not control, evaluate, endorse or guarantee content found in those sites. We do not assume any responsibility or liability for the actions, products, services and content of these sites or the parties that operate them. Your use of such sites is entirely at your own risk.
Copyright
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Horizon Financial Planning LLC or its content suppliers and protected by international copyright laws. The compilation of all content on this site is the exclusive property of Horizon Financial Planning LLC, with copyright authorship for this collection by Horizon Financial Planning LLC, and protected by international copyright laws.
Nitrogen (previously known as Riskalyze) Disclosures
Advisory services are offered through Horizon Financial Planning LLC.
Nitrogen reports should not be relied on as a substitute for official account statements. Investments on this page are subject to market risk, including the possible loss of principal. It should be assumed that investments listed on this page are not FDIC insured. The value of the portfolio will fluctuate with the value of the underlying securities. Investors should consider an investment‘s investment objective, risks, charges, and expenses carefully before investing. In the case of mutual funds and ETFs (Exchange Traded Funds) a prospectus is available which contains this and other important information and should be read carefully before investing. Diversification does not ensure a profit and may not protect against loss in declining markets.
The Risk Number of 55 and the 95% Historical Range of -10.91% to +16.14% was calculated using a long-term average of 07.50% for the S&P 500, 0bps change in the Ten Year US Treasury Rate, and correlation and volatility data from 2008 to present. Nitrogen uses actual historical data to calculate the statistical probabilities shown. For securities calculated using Average Annual Return, the Average Return will be calculated using actual price history from June 2004-present or inception. We calculate the annualized return number as ( final price / initial price ) ^ ( 1 / number of years ) - 1. Nitrogen does not provide investment analysis on investments with less than 6 months of historical performance. In instances where an investment’s inception is more recent than January 1, 2008 and greater than 6 months, Nitrogen will use correlation statistics from the investment's actual trading history to extrapolate missing volatility data. In most cases the extrapolation calculation increases the risk presented in the investment analysis as a means of protecting the investor. Investments with an inception more recent than January 1, 2008 are highlighted with an information icon. The Six Month 95% Historical Range is calculated from the standard deviation of the portfolio (via covariance matrix), and represents a hypothetical statistical probability, but there is no guarantee any investments would perform within the range. There is a 5% probability of greater losses. Nitrogen does not use any Monte Carlo or any other type of simulations. The underlying data is updated as of the previous day’s market close price, and the results may vary with each use and over time. The investments considered were determined by the financial representative. IMPORTANT: The projections or other information generated by Nitrogen regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. These figures may exclude commissions, sales charges or fees which, if included, would have had a negative effect on the annual returns. Asset class representations for this portfolio exclude individual security allocations that result in net leveraged or shorted positions for a particular asset class.
The distribution rate is derived by summing the trailing 12-months’ distributions (dividends, distributions from borrowing, return of capital, etc.) and dividing the sum by the last month’s ending NAV. It does not include capital gains distributed over the same period.
The Expense Ratio is the percentage of fund assets used to pay for operating expenses and management fees, including 12b-1 fees, administrative fees, and all other asset-based costs incurred annually by the underlying funds, except brokerage costs.
Advisory fees are HFP's fee for managing assets. In addition to these fees there could be Outside Manager fees, sometimes called Strategist Fees. For Altruist, these fees start at 12bps, we pass this cost to the client to be deducted from their account separately and additionally from HFP's advisory fees. Generally SEI charges a Platform Fee of 15bps for all accounts at SEI Private Trust, we pass this cost separately to the client account in addition to HFP’s Advisory Fee.