Michael R. Congdon

HORIZON FINANCIAL

West Henrietta, NY 14586

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CRD#: 5497417

Professional summary

Michael R. Congdon, who also goes by Michael Roger Congdon, Michael Congdon, is a registered financial advisor currently at HORIZON FINANCIAL located in West Henrietta, New York.

Michael is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2011. Michael has worked at 2 firms and has passed the Series 65 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Michael Roger Congdon | Michael Congdon

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The Horizon Group - Administrator/Manager charged with oversight and management of investment brokerage firm.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael R. Congdon's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

June 2, 2021 - Present

HORIZON FINANCIAL

Office #1: 5582 West Henrietta Rd., West Henrietta, NY 14586

RIA

CRD#: 305239

West Henrietta, NY

Past

October 20, 2011 - March 17, 2014

CADARET, GRANT & CO., INC.

CRD#: 10641

WEST HENRIETTA, NY

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

HORIZON FINANCIAL

HORIZON ADVISORY SERVICES, INC. | HORIZON FINANCIAL

CRD#: 305239 / SEC#: 801-117343

RIA

Registered Investment Advisory firm - (9/13/2019 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Florida
(8/7/2025)

IAR

Maryland
(7/29/2025)

IAR

Massachusetts
(8/19/2025)

IAR

New Hampshire
(7/29/2025)

IAR

New York
(6/2/2021)

IAR

North Carolina
(8/4/2025)

IAR

Pennsylvania
(7/28/2025)

IAR

South Carolina
(7/30/2025)

IAR

Texas
(7/27/2025)

IAR

Virginia
(7/30/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 5/17/2021

Uniform Investment Adviser Law Examination

General Industry/Product Exam

Series 7

Date: 10/19/2011

General Securities Representative Examination

Current Firm

HORIZON FINANCIAL

HORIZON ADVISORY SERVICES, INC. | HORIZON FINANCIAL

CRD#: 305239 / SEC#: 801-117343

RIA

Registered Investment Advisory firm - (9/13/2019 Approved)

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Contact information

Main Address

5582 W. Henrietta Rd., West Henrietta, NY 14586

Mailing Address

Phone number

(585) 334-3600

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (10 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

HORIZON ADV PART 2A - JULY 2025 (7/25/2025)

Regulatory assets under management

Total Number of Accounts	1,523
AUM (Assets Under Management)	$ 455,756,497

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Michael R. Congdon

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael R. Congdon's CRS (Customer Relationship Summary).

Certified licenses

Experience

HORIZON FINANCIAL

CADARET, GRANT & CO., INC.

Primary Firm SEC Registration

HORIZON FINANCIAL

State Registrations and Notice Filings

Exams

Series 65

Date: 5/17/2021

Series 7

Date: 10/19/2011

Current Firm

HORIZON FINANCIAL

Contact information

SEC notice filing (10 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

HORIZON FINANCIAL

TRUST BUT VERIFY

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