New Horizon Retirement Advisors

New Horizon Retirement Advisors

Smith founded the firm in 1999. New Horizon operates from a single office in Colorado Springs and has concentrated its advisory practice on federal civilian employees, military personnel, and their families. The practice is built around the complexities of TSP allocations, FERS annuity calculations, and the coordination of federal benefits with IRAs and taxable brokerage accounts. New Horizon works with individual retiree and pre-retiree households across the contiguous United States. The firm delivers financial planning and portfolio management services under a fee-based structure, with published planning packages and discretionary asset-management mandates. Advisory relationships include retirement accumulation and decumulation plans for federal annuitants, military reservists, and agency employees. The investment approach uses model portfolios built primarily from mutual funds and exchange-traded funds, with allocations managed against individual retirement spending targets. The firm remains compact by design. Smith leads the investment committee and maintains the role of primary adviser, supported by a small team of service and planning staff. No institutional investor reports, outside capital disclosures, or multi-office footprints are part of the practice. New Horizon has no disclosed fund structures, affiliate entities, or philanthropic arms. What keeps New Horizon distinct among registered investment advisers is not size but dedicated practice-area depth. By limiting its scope to the federal-benefit ecosystem, the firm operates much like a boutique tax practice: high-repeat advisory engagements, a technical-specialist client relationship, and a mandate that resists the shift to robo-structured, national-scale wealth management platforms.