Forms and Disclosures

Forms

HFS ADV Form 2A AUM – 8.10.18

Melissa Chadwick ADV Form 2B – 8.10.18

Stephan Todd Day ADV Form 2B – 8.10.18

Scott Walker ADV Form 2B – 8.10.18

Joseph Perkins ADV Form 2B – 8.10.18

John Brais HFS ADV Form 2B – 8.10.18


Disclosures

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Horizon Financial Services, LLC and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Horizon Financial Services, LLC an SEC Registered Investment Advisor. Insurance products and services are offered through New Horizon Financial Services, Inc., an affiliated company. Horizon Financial Services, LLC and New Horizon Financial Services, Inc. are not affiliated with or endorsed by the Social Security Administration or any government agency, and are not engaged in the practice of law.

The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than where properly registered or otherwise legally permitted. You should always consult an attorney or tax professional regarding your specific legal or tax situation.

Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.

Horizon Financial Services, LLC throughout this website has provided links to various other websites. While Horizon Financial Services, LLC believes this information to be current and valuable to its clients, Horizon Financial Services, LLC provides these links on a strictly informational basis only and cannot be held liable for the accuracy, time sensitive nature, or viability of any information shown on these sites.

NEA

“The National Ethics Association (NEA) provides no guaranteed assurance or warranty of the ethical integrity or service quality of its members. Always make decisions on the basis of your own due diligence. NEA is a member organization of business professionals and is not affiliated with any state or federal government agency.”

BBB

“If a business has been accredited by the BBB, it means BBB has determined that the business meets accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB accredited businesses pay a fee for accreditation review and monitoring for continued compliance and for support of BBB services to the public.

BBB Accreditation Standards represent standards for business accreditation by BBB. Businesses based in the United States and Canada that meet these standards and complete all application procedures will be accredited by BBB. The Code is built on the BBB Standards for Trust, eight principles that summarize important elements of creating and maintaining trust in business.

BBB accreditation does not mean that the business’ products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business’ product quality or competency in performing services.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.”