We have a 25-year history of exemplary client service
with offices in Bunbury & Perth
In 2023 Horizon Investment Solutions achieved its 25-year milestone.
It has been our honour to have served so many clients over that period and we are excited moving into the future with the same tried and tested objectives to provide the best possible financial planning and investment advice.
In July 2011 Horizon secured its own Australian Financial Services Licence and commenced trading as the fully independent Horizon Investment Solutions.
True Investment Management
Our investment strategies for clients differs somewhat from typical financial planners in that at Horizon we focus portfolios predominantly on direct equities rather than managed funds. We believe this provides increased portfolio diversification and therefore less sector risk, allows nimbleness to take advantage of cyclical situations, offer tax effective options and significantly reduces the fees paid by clients. Due to direct equities being held on a clients personal Holder Identification Number (HIN), this also gives an additional level of transparency We pride ourselves on being pro-active to ensure the best possible outcome for our clients.
Simplifying The Complex
Horizon Investment Solutions specialises in enabling clients to have their own Self Managed Superannuation Funds (SMSF). A SMSF can be complicated as there are rules that need to be adhered to, funds to be invested, a tax return to be lodged every year and through it all your needs are changing.
We enable our clients every step of the way; our team provides qualified and specialist advice on managing a SMSF, we guide clients at every stage of their retirement journey and provide investment advice that is bespoke to their needs.
We pride ourselves on our ability to offer SMSF clients a cost-effective, complete package that includes annual administration and tax returns. Our clients can choose to have as much or as little input as they’d like and through it all we will support you and simplify what can be complicated.
The Journey Through The Eyes of a Client
You can become a client of Horizon Investment Solutions at any point along the road to retirement and beyond, but here is an example of what our services can do for you: You have started to think about whether you will have enough money to see you through your retirement once arriving there. You meet with our team at Horizon Investment Solutions while you are both working trying to pay your mortgage and support yourself and your family, you have superannuation but don’t know much about it…
After your obligation and cost-free initial meeting you are provided with a holistic Statement of Advice detailing our bespoke plan for you. If it is appropriate for your needs, and a SMSF is the most suitable option based on your circumstances, Horizon facilitates the establishment of the funds and keeps you informed at each step. Once established our teams facilitates any rollovers from existing funds.
We guide you on making contributions into super and provide tax effective strategies to minimise the tax you pay. We review your insurance needs and if required, implement policies with zero commissions received.
At this point we will review how the ownership is structured in order to maximise cash flow effectiveness; whether this should be held inside super or in your own name. We can arrange for your cover to be established and laise with the insurance provider on your behalf. We then present investment recommendations generated from our in-house analysts and, once you are comfortable with any inclusions/exclusions, begin to construct your portfolio.
Once you have transitioned into retirement, we help you access your super, typically tax free, and may strategise a reduction in sequencing risk through a re-allocation towards income generating securities.
We then review your circumstances to determine if you are eligible for any social security benefits and navigate Centrelink application processes on your behalf. We make sure you have a comprehensive estate plan and work with your estate planning professional to ensure that as a trust asset, your SMSF is captured according to your wishes.
Look forward to your prosperous financial future with Horizon Investment Solutions helping guide you there. Contact our team today either by calling 0897 919 188, via email at admin@horizonis.com.au, or through our online contact form.