# Benjamin Chappell

> Benjamin Chappell is a fee-only financial advisor at Horizon Financial in West Henrietta, New York. Benjamin focuses on retirement planning. Horizon Financial reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/benjamin-chappell/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Horizon Financial
- **Based in:** West Henrietta, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $510.2M across 1,585 accounts
- **Specialties:** Retirement planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 7436165 (https://adviserinfo.sec.gov/individual/summary/7436165)
- **SEC registration:** Investment adviser representative in FL, MA, MD, NC, NH, NY, PA, SC, TX, VA
- **Exams passed:** Series 65 (2022)
- **Firm size:** 9 employees
- **Disclosures:** None reported
- **Website:** https://www.horizonfinancial.net

## Frequently asked questions

### Is Benjamin Chappell a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Benjamin holds no broker registration, and Horizon Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Benjamin charge for financial advice?

Benjamin's firm, Horizon Financial, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Benjamin Chappell based?

Benjamin Chappell is based in West Henrietta, New York.

### What does Benjamin specialize in?

Benjamin's specialties include retirement planning. Benjamin works with retirees and pre-retirees.

### Is Benjamin Chappell registered with the SEC?

Yes. Benjamin Chappell is registered as an investment adviser representative in FL, MA, MD, NC, NH, NY, PA, SC, TX and VA (CRD 7436165), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Horizon Financial manage?

Horizon Financial reports $510.2M across 1,585 accounts in assets under management.

### How do I contact Benjamin Chappell?

Through Benjamin's website, www.horizonfinancial.net.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7436165): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://horizonfinancial.net/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.