With over two decades of experience in the financial services industry, Horizon Associates is dedicated to guiding our clients through the intricate process of estate and inheritance planning. Our mission is clear: to bridge the gap between lawyers and will writers, offering comprehensive solutions that go beyond traditional estate planning services.


At Horizon Associates, we understand that estate planning isn’t just about drafting legal documents; it’s about setting expectations, preserving wealth, and creating a lasting legacy for future generations. We pride ourselves on our ability to address every aspect of estate planning, from palliative care to repatriation and cremation arrangements.


Our ideal client is anyone with wealth exceeding $5,000,000, regardless of age. We recognise that time is precious, and the need to plan for the unexpected is paramount. Whether you’re a seasoned investor or just beginning to build your wealth, we’re here to help you navigate the complexities of estate planning with confidence.


The main concerns of our clients often revolve around ensuring that their wealth is available when their heirs need it most, avoiding becoming a burden on their loved ones in old age, and preventing conflicts among family members over inheritance. With our comprehensive fact-finding process, we provoke thought and consideration, helping our clients prepare for every eventuality.

Breaking the Generational Curse & Securing Your Legacy with Confidence

The age-old proverb, "Wealth does not pass three generations," or its Western counterpart, "shirtsleeves to shirtsleeves in three generations," reflects a historical pattern observed across cultures: the difficulty of maintaining wealth beyond the third generation. While this adage underscores the challenges of preserving financial legacy, it does not dictate an inevitable outcome. With strategic inheritance and estate planning, families can break this cycle of generational wealth loss.

Horizon Associates believes that thoughtful planning and proactive measures are key to defying this so-called curse. Our team specialises in creating tailored solutions that not only protect your assets but also empower your heirs with the knowledge and tools necessary for sustainable wealth management. By implementing comprehensive estate planning strategies, we help families navigate the intricacies of wealth transfer and ensure that their legacy transcends generations.

With our expertise, you can secure a future where your descendants inherit more than just wealth; they inherit a lasting legacy fortified by strategic planning and foresight. Let us guide you in rewriting your family's financial story and building a prosperous future that endures for generations to come.

Let Horizon Help You

Inheritance and estate planning are pivotal in ensuring that your hard-earned wealth withstands the test of time and secures your family’s future. As the age-old Chinese proverb reminds us, “Wealth does not pass three generations,” highlighting the importance of proactive measures and thoughtful planning.

At Horizon Associates, we understand the significance of this message and are committed to helping our clients defy the odds. Our team provides tailored solutions that protect your assets and empower your heirs, enabling you to break free from the cycle of financial loss.

Through strategic inheritance and estate planning, we offer expert guidance to navigate the complexities of generational wealth transfer. Let us empower you to create a lasting legacy that defies expectations and provides peace of mind for you and your loved ones. Together, we can rewrite your family's story and secure a brighter future for generations to come.


We’ve helped clients with diverse needs, from preserving a property portfolio for future generations to providing for a disabled child’s lifelong care. Our expertise lies in translating our clients’ wishes into actionable plans, leveraging our years of experience to craft the best possible solutions
We have been dealing with Brent for almost a decade.
He has proven repeatedly that he keeps his ear to the ground, having advised and guided us through terrible times and thus saved our hides.
Over and above this, he is always efficient and prompt, polite and professional.
We would readily recommend Brent with the greatest confidence.
— Irene —
Horizon Associates have served me well as my investment advisor since 2012. Brent has a good awareness of the current market conditions and the fit to my retirement goals. His ideas are well founded and he has been very attentive to my needs. Good communication is consistent even though we are now very distant geographically. I highly recommend Horizon-Associates.
— Philip & Pam —
Brent has looked after my investment plans for the past 9 years. His advice has always been up to date, and he has consistently provided me suggestions to swap funds according to the prevailing markets. Brent listens to my opinions regarding investment priorities, but I tend to follow his experienced lead when it comes to fund reallocations. He is always professional and genuinely takes into consideration my requests regarding risk profiles and investment funding.
— Martin —
Horizon have managed our investment portfolio for the past 8 years, through some challenging economic changes. Their advice has always been first class and consistently provided us with a balanced and educated analysis of prevailing markets. Equally, Horizon take on board our opinions regarding investment priorities and go out of their way to understand our changing circumstances. Always courteous, always professional. A good friend.
— Joan & Ian —
When I arrived on Cyprus for my retirement, I had quite a lot of money from selling a house and, as yet undrawn pensions. I needed a Financial Adviser to set me up for retirement income. I used several firms over a period of five or six years without a satisfactory result or good working relationship. In fact, I quickly found out that I was more interested in me than they were and that I began to know more than they did. My problem was how I separated myself from these “Commission Chasers” and find someone who I could trust and who knew what they were doing. Thus far Horizon have demonstrated a command of all that was missing before, over at least a ten year period. I have to confess to myself that I wish I had started here and avoided an expensive “Learning Experience”. It is actually fun to work together to get the desired result and to recommend Horizon to others who have been through my “Learning Curve.
— Philip —
When your investment portfolio is handled by experts, and year after year produces positive results, you know you are with a professional company. Throughout challenging times Horizon Associates has consistently kept me well informed, offering expert advice and guidance.
Their expertise and up to date knowledge have always ensured that my investment has been steered through the correct funds, to achieve the maximum results.
Horizon is always informative, courteous and proficient. I highly recommend them.
— Maria —
Horizon have managed my investments for the past 9 years and have always given me the best advise and kept me up to date with my investments.
Not only do I consider the company to be great, I class my adviser as a true friend with my best interest at heart.
— Helen —
Horizon took over the handling my private pension fund 4 years ago after years of my previous company mis-selling and badly advising me, which resulted in dire performance.
From the very first meeting, Horizon were honest and frank about where the problems were and what was needed to get the policy back on track, and true to their word, even in a very unpredictable and volatile environment, it has now made more in the short time I have been using them than in the entire time with my previous company…the figures don’t lie. Additional to this, Horizon were also available, very communicative and professional at all times, which leads me to not hesitate in recommending them to anyone.
— Paul —
“Being an actuary, I always thought I was doing the right thing with my pension, but then I came across Brent and found out that for years I wasn’t getting the best deal possible! It’s indeed a tough job to build your pension funds successfully and a lot of people don’t know where to turn. Brent and Horizon have been a great help for me making it extremely easy to invest in my future with their professional approach and tools. I have now been invested for 7 years with Horizon and Brent has helped me set up my UK pension plan in the best way possible. He is really an amazing person to work with and I feel secure knowing that he and Horizon are my financial partners!”
— Avraam —
I approached Brent in March 2012, to sort out my pension and portfolio. He has been very helpful since that time, coming to my house (at a time convenient to me) for quarterly reviews, which are both enjoyable and productive. Brent, and now as Horizon have not only managed to deliver my annual pension in a timely manner but have also managed to grow the pot that provides it consistently over time (even during these times of uncertain markets). I have recommended Horizon to my family and friends and will continue to do so.
— Keith —
Horizon has given us financial advice and managed our portfolio for many years. Through the financial crisis and the pandemic and we have great returns from our investments as well as avoiding the Laiki losses etc. Always efficient and easy to work with.
— George —


Our initial consultation and investigation into your personal requirements come at no charge. We believe in transparency and clarity, which is why we offer a clear and transparent charging structure for all our services. Our fixed fees are agreed upon in advance, ensuring no surprises along the way.


We take client privacy seriously and enter into comprehensive non-disclosure agreements to safeguard their information. Rest assured, your details will remain confidential, shared only with your explicit permission and subject to strict privacy protocols.


Once your estate plan is in place, we provide regular check-ins every three months to ensure it remains up to date. Our team of specialists continuously monitors investments and adjusts strategies as needed to keep your plan on track


At Horizon Associates, our loyalty remains with you and your wishes. We understand that navigating complex family dynamics can be challenging, which is why we offer guidance and support every step of the way. Our ultimate objective is to alleviate your worries, provide peace of mind, and help you arrange your final days with confidence and clarity.


Complimentary Initial Consultations

We offer initial consultations at no charge to prospective clients. This allows us to gather essential information and understand your goals and preferences.

Incorporating Cash Investments

In many cases, clients choose to incorporate a token cash investment within the arrangement. The returns from these investments often cover any ongoing charges associated with the estate planning services we provide.

Our Transparent Fee Structure

At Horizon Associates, our fees for estate planning services are tailored to each client’s specific needs and are agreed upon in advance. We understand that the scale and scope of estate planning arrangements can vary widely, which is why we take the time to assess your unique circumstances before finalising our fee structure.

Transparent Breakdown Of Fees

After the initial consultation and the collection of necessary information, we provide our clients with a fully transparent and detailed breakdown of our arrangement fee and any ongoing charges. Our goal is to ensure that you have a clear understanding of the costs involved before proceeding with our services.