# Donald Kwarta

> Donald Kwarta is a fee-only financial advisor at Horizon Financial in West Henrietta, New York. Donald 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/donald-kwarta/
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:** 6804491 (https://adviserinfo.sec.gov/individual/summary/6804491)
- **SEC registration:** Investment adviser representative in FL, NY
- **Exams passed:** Series 65 (2017)
- **Firm size:** 9 employees
- **Disclosures:** None reported
- **Website:** https://www.horizonfinancial.net

## Frequently asked questions

### Is Donald Kwarta a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Donald 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 Donald charge for financial advice?

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

### Where is Donald Kwarta based?

Donald Kwarta is based in West Henrietta, New York.

### What does Donald specialize in?

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

### Is Donald Kwarta registered with the SEC?

Yes. Donald Kwarta is registered as an investment adviser representative in FL and NY (CRD 6804491), 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 Donald Kwarta?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6804491): 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.