Horizon Trust Reviews

Last Updated on March 17, 2024 by Ben

Investing for retirement must start as soon as possible. But the most challenging part is finding the perfect investment dealer.

No one accidentally clicks a link with Horizon Trust Company Reviews on the label if they are not interested in looking at the company. Please read this article to discover more of their offered products and services!

ahg top banner

What is Horizon Trust Company?

Horizon Trust Company is an investment firm based in Albuquerque, New Mexico, offering modernized retirement strategies for clients with alternative investments. Since 2011, Horizon Trust has been serving investors by taking advantage of tax-free investments through self-directed individual retirement accounts (IRAs).

In addition, the company vouches for making client education one of its top priorities. They have a whole section on their website regarding how to open one’s self-directed IRA.

Their dashboard has all the information investors need to invest confidently in Horizon Trust.


  • Excellent BBB rating

    The Horizon Trust Company takes pride in its excellent reviews and ratings, and one of them is from the most reputable third-party review site, Better Business Bureau (BBB). This company maintains an A+ rating in BBB.

  • Offers Numerous Accounts

    As cited in the first part of this company review, Horizon Trust Company provides custodial services for clients who want to self-direct their individual retirement accounts. This benefits investors seeking a more diversified investment portfolio, including several assets.

  • Provides Education

    The company prioritizes customer education. They have a precise video explaining how to set up a new self-directed IRA.

    Aside from that, the company blog has several articles conveying the importance of self-directed investments and how to avoid fraud and scams.

  • Run by an Experienced Manager

    Horizon Trust Company CEO and manager Greg Herlean is an experienced investor and a prominent member of the Forbes Council. After all, only a few investors wish to have their money managed by just anyone.

  • Offers Live Chat Support

    The company provides live chat support on its site. This is ideal for potential clients with questions that need instant answers, and it’s also why they have a high customer review rating.


  • Expensive Fees

    The Horizon Trust Company’s fees and prices seem more expensive than other high-rated self-directed IRA custodians. Their high account termination fees could scare potential clients off.

  • Accreditation and Customer Reviews

    Although Horizon Trust Company has 4.8 out of 5 stars on one of the most trusted review websites, the company has 2 out of 5 stars on Yelp.com. In short, they have a few customer complaints and opposing reviews.

How Horizon Trust Company Works

Horizon Trust Company is a self-directed IRA custodian that presents most of its products and services through its website. New self-directed IRA investors will not get lost when starting their first investments.

The whole process of setting up a self-directed IRA is in a video. Essentially, the company will require its clients to unlock their new self-directed IRAs and then transfer or rollover their funds from their current IRA account.

Furthermore, the Horizon Trust Company offers IRA custodial services by assigning agents to help every investor throughout the paperwork procedure. Also, they will be working with the investor’s current self-directed IRA custodian to see whether the fund transfer can happen as quickly as possible.

Once the investors have finished setting up their accounts, they can invest in the publicly traded investment products or services Horizon Trust Company offers.

Horizon Trust Company Services

The Horizon Trust Company provides multiple self-directed IRAs and escrow services for individuals and businesses. To be more specific, Horizon Trust Company’s leading products and services are as follows:

  • Simple IRA
  • Traditional IRA
  • Roth IRA
  • Individual 401 (k) Plans
  • Coverdell Education Savings Account (CESA)
  • Health Savings Account (HSA)

In addition, Horizon Trust Company offers several alternative assets aside from self-directed IRA accounts. Based on their website, they provide their clients with the following investment opportunities:

  • Real Estate
  • Cryptocurrency
  • Precious Metals
  • Promissory Notes
  • Private Equity
  • Tax Liens
  • Private Placement
  • Trust Deeds
  • Limited Liability Company (LLC) and Other Entities

Horizon Trust Company IRA and Investing Account Types

The Horizon Trust Company could be any investor’s best choice for individual retirement account needs. Moreover, they offer their client base no less than seven distinct investment account types.

Although most of the company’s products and services are similar to its rivals, Horizon Trust Company’s marketing material and online interface explain what they can offer and provide customers.

In addition, the company proves they are skilled, self-directed IRA experts. In the long run, that marketing approach gives investors faith in the brand and the company.

Below explains the company’s offered IRA accounts.

Traditional IRAs Roth IRAs at Horizon Trust Company

Depending on the client’s preference, Horizon Trust Company offers essential IRA custodial services, such as traditional IRAs and Roth IRAs.

A traditional IRA allows individuals to write off their contributions while working. Their contributions and gains are tax-exempt until they decide to withdraw them or until after they reach 70 and a half years, whichever comes first.

Moreover, a traditional IRA is typically the best option for clients whose employer does not have a retirement plan. It is also an excellent alternative for investors interested in saving pre-tax money for their retirements.

Meanwhile, a Roth IRA is more flexible than a traditional individual retirement account. This account does not allow investors to write off their contributions while working.

However, this retirement account will enable investors not to pay income tax upon withdrawals.

Roth IRAs might be the better option for high-net-worth investors. This is because they will have a lot of saved funds when they retire.

SEP IRAs at Horizon Trust Company

SEP IRAs, or Simplified Employee Pension Individual Retirement Accounts, are for business owners wishing to set aside up to 25% of their income in their retirement accounts.

This IRA authorizes the employer to write off their contributions as an outlay and allows them to show their workers how much they care.

Furthermore, a SEP IRA is an attractive investment choice for business proprietors looking to access the company benefits of 401(k) plans inside an IRA. What is more enjoyable about SEP IRA is it has the investment options and tax advantages as other individual retirement accounts.

A Simple IRA at Horizon Trust Company

SIMPLE IRAs, or the Savings Incentive Match Plans for Employees, allow employees and employers a much easier way to contribute towards their retirement plans. Employees may contribute a share of their salaries to the plan their employers can match.

For those employees and employers who want to broaden their contribution opportunities, do not fret because Horizon Trust Company offers several more services. They also provide clients with a solo 401(k) plan, Coverdell Education Savings Account (CESA), and Health Spending Account (HSA).

Horizon Trust Company IRA Investing Options

Unlike most IRA providers, Horizon Trust Company provides service for clients looking for deeds and trusts of mortgages, foreign exchange markets, and future contracts. In addition, they also offer tax deeds, business partnerships, precious metals, and privately held stock not traded on a public exchange.

Moreover, Horizon Trust Company has an LLC or limited liability company that blends corporate structures and elements partnerships.

It allows investors more flexibility in using their individual retirement accounts (IRAs) like a checkbook. Clients can withdraw or contribute from an IRA account using credit or debit facilities.

Another advantage to using an LLC is that it lets investors store their rare metals assets at home. Although most investors do not take their precious metals as far as wanting to keep their assets in their cupboards, it is an ideal option for some people who wish to invest this way.

Horizon Trust Company Fees

There are three shared approaches among companies in making profits. They either charge their clients based on their assets’ number, value, or a combination of both.

Conversely, a self-directed IRA custodian may charge a percentage of a client’s investment portfolio value.

The Horizon Trust Company bills a $350 flat fee to activate one’s self-directed individual retirement account. Their annual administrative costs range from $225 to $1,000, depending on the investor’s asset value.

Additionally, Horizon Trust Company has an account termination fee of $300.

Investors with $50,000 to $100,000 in their accounts need to pay $350 in costs compared to platinum Horizon Trust members paying $700 annually. From there, anybody with more than $200,000 in their retirement accounts must pay $400 and $400 yearly fees, respectively.

The last level of fees and pricing in Horizon Trust Company involves spending a minimum of $500 on a regular account and $1,000 for a platinum account if they have up to a million dollars in their IRA account.

ahg mid banner

Customer Support at Horizon Trust Company

The company offers some of the most evolved and available customer assistance of any IRA provider. All clients have to do is log onto their website, and they can instantly see a live chat window pop up.

The live chat support on the Horizon Trust Company website is an excellent addition for clients who want their queries answered instantly and directly from the company. Also, they do a rather satisfactory job of taking care of their old and new clients.


This could be the appropriate time to hop into the craze and invest in precious metal IRAs. While there are several options, the top four precious metal companies are listed below for the reader’s reference.

Augusta Precious Metals

Augusta Precious Metals


Star Rating

Augusta Precious Metals is among the leading silver and gold metals providers and individual retirement accounts (IRAs) providers. They deal with a massive selection of rare metal services and commodities with excellent customer service.

For individuals and families who consider a company’s reputation before choosing their investment broker, it is worth citing that the renowned Quarterback Joe Montana advocates for Augusta Precious Metals.

Not only does the company offer diverse bars and coins, but they also trade them at a reasonable price.

Moreover, Augusta Precious Metals investors have different alternatives for funding their IRAs. They can choose between wire transfers, checks, cash, or rollover from a separate retirement account.

Interestingly, Augusta Precious Metals shows a breakdown of all expenditures in the first session, helping investors formulate and prepare the suitable amount before working with them.

On top of this, Augusta clients are eligible for a one-on-one web discussion to improve their understanding of the right buying and selling of actual rare metals.

Despite having been in the market for over 45 years, providing various investment assets, Augusta Precious Metal’s selection has limits on silver bullion, silver coins, and gold bullion metals. Those who want to purchase rare metals like platinum and palladium can look elsewhere.


  • Their offered rare metals commodities have a 99% purity level.
  • They have the lowest base deposit.
  • They had no formal complaints for more than a decade.
  • According to Gold IRA reviews, they are transparent with fees and other prices.


  • The minimum investment could scare potential customers off.
  • Their bullion choices are restricted.

American Hartford Gold


star rating

Star Rating

American Hartford Gold has already achieved more remarkable success than its competitors despite being one of the newest on the market. It is an investment firm that bears tailor-fitted solutions to individual investors and families seeking gold and silver purchases.

Moreover, American Hartford Gold focuses on enlightening their cherished clients on different investment avenues, specifically individual retirement accounts (IRAs).

Every American Hartford Gold client has free access to the firm’s Data Center. Their clients also have access to a content library, including making precious metal investment decisions.

AHG is also one of the best gold IRA custodians with the best customer service experience. The company has an always-available customer support queue to get issues addressed swiftly and satisfactorily.

In addition, this firm has a variable fee structure, meaning yearly service fees are directly proportionate to the amount a client utilizes in their gold or silver IRA for a specific period.

To top things off, American Hartford Gold offers one of the lowest starting investments.

The company allows investors to open an IRA account with only $10,000. This amount is ideal for risk-averse and on a strict budget.


  • Their base deposit amount and the offered products and services look promising.
  • They have several flattering customer reviews online.
  • They are among the fastest-growing private financial establishments in the United States.
  • Rudy Giuliani and Bill O’Reilly vouch for AHG.


  • The company can only deliver its investment products and services within the United States.
  • There needs to be a detailed price listing on their website.



Star Rating

Goldco Precious Metals is among the top IRA company contenders for precious metal beginner clients. Over the years since its establishment, the company has grown a considerable customer count by providing top-quality products and services.

Furthermore, Goldco ensures their clients get the most uncomplicated strategy for precious metals assets. A Goldco representative adequately assists investors in diversifying their retirement funds with metal purchases.

Unlike their rival custodians, Goldco has a high initial investment. Every qualified Goldco customer can open their self-directed individual retirement accounts for $50,000. This initial deposit is the highest minimum on the market today.

Individual investors still deciding whether to have Goldco Precious Metals as their investment custodian can request a free gold rollover IRA kit to discover more about the company. The kit comprises audio, videos, and published manuals that respond to the following queries:

  • How to invest in rare metals assets?
  • How to appraise an individual retirement account?
  • How can a precious metal offer more control over other assets?


  • They provide investors with a wide choice of silver and gold coins.
  • They have education services to help customers improve their knowledge of rare metals IRA investments.
  • They have shorter transaction waiting times for gold investment shipments.
  • They are one of the oldest and most reputable gold IRA companies.


  • They need more transparency when it comes to product and service prices.
  • Their website has limited bullion, platinum, and palladium choices.

Birch Gold Group

Birch Gold


Star Rating

Fourth on the list is the Birch Gold Group. They have managed clients’ authentic silver and gold assets for their retirement portfolios for over twenty years.

With this long industry experience, they have already captured many clients.

Given their time around the industry, Birch Gold Group is more than qualified to provide customers with the most appropriate investment class.

Individuals and business owners who value a firm’s long-term experience must at least consider partnering with Birch Gold Group.

Aside from that, Birch Gold Group’s 24/7 customer support is one of the top reasons to have them as anyone’s investment dealer.

Each Birch Gold Group agent dedicates their services to empathy, efficiency, and transparency. This guarantees that all the investors’ concerns get resolved quickly.

Like other custodians, this firm also implements a flat rate fee structure. Those who buy frequently or in bulk can maximize their annual fees for transaction-related expenses.

However, Birch Gold Group is known for having the slowest transaction processing in the rare metals market. Their client can sometimes wait about two weeks to a month before getting their orders cleared and ready for delivery.


  • The company offers numerous options for depository services.
  • They have a transparent fee structure.
  • They strongly focus on platinum and palladium.
  • They offer bulk flat rates that are ideal for frequent bulk buyers.


  • They are known to have notoriously prolonged transaction waiting times
  • There are no oversea depository options.
  • Their flat rate offers are not fit for infrequent buyers.

ahg top banner

Final Thought – Wheaton Precious Metal Review

The company has a nice layout and easy-to-navigate website interface, ensuring investors, especially new ones, stay aware of the company’s offers. However, some investors still need to decide whether to join them due to negative reviews.

While Horizon Trust Company may not be the perfect choice for everyone, its wide range of investment account types and experienced executive team can compensate for its lack of customer reviews.

Most importantly, it is essential to remember that although many investment custodians provide the best services, not all allow the following features: all-day access to investors’ online accounts, competitive customer service, and swiftness at getting funds financed — and yes, Horizon Trust Company has them all!

Scroll to Top