Michael Congdon
Horizon Financial · West Henrietta, New York
Michael Congdon is a fee-only financial advisor at Horizon Financial in West Henrietta, New York. Michael focuses on retirement planning. Horizon Financial reports charging a percentage of assets and fixed fees on its Form ADV.
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Specialties
Who they serve
- Retirees
- Pre-retirees
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 |
| Assets under management | $510.2M across 1,585 accounts |
| SEC registration | Investment adviser representative in FL, MA, MD, NC, NH, NY, PA, SC, TX, VA · CRD 5497417 |
| Exams passed | Series 65 (2021) |
| Firm size | 9 employees |
| Disclosures | None reported |
| Website | www.horizonfinancial.net |
| Profile |
How Michael's firm compares
- Horizon Financial's average account is about $322,000, from its Form ADV (assets managed divided by 1,585 accounts).
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Questions about Michael
Is Michael Congdon a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Michael 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 Michael charge for financial advice?
Michael's firm, Horizon Financial, reports charging a percentage of assets and fixed fees on its SEC Form ADV.
Where is Michael Congdon based?
Michael Congdon is based in West Henrietta, New York.
What does Michael specialize in?
Michael's specialties include retirement planning. Michael works with retirees and pre-retirees.
Is Michael Congdon registered with the SEC?
Yes. Michael Congdon is registered as an investment adviser representative in FL, MA, MD, NC, NH, NY, PA, SC, TX and VA (CRD 5497417), 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 Michael Congdon?
Through Michael's website, www.horizonfinancial.net.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Horizon Financial website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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