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James Henry Hardy

James Henry Hardy

Founder, Investment Advisor Representative

Welcome to Horizon Financial. I am James Henry Hardy, Founder and CEO.  I have spent the last 31 years helping and teaching people sound investment strategies, or as Dave Ramsey* would say – “How to Have More Than Enough”.  My joy in this business is guiding people towards meeting and exceeding their personal financial goals.  I am a coach at heart, and prior to starting Horizon Financial I spent 13 years coaching football at Auburn University, Opelika High School, Jacksonville State University, and Shaw High School.

I have the knowledge to help you navigate the complexity of the financial landscape. On top of my 31 years of experience, I also hold the title of Office of Supervisory Jurisdiction and supervise 19 registered representatives in 3 states.

Educational Background

  • Series: 6, 63, 7, 26, 24, 53, and 66
  • Licensed in Life, Health, Long-term Care, and Disability
  • Bachelors in Education, Auburn University
  • Masters in Education, Jacksonville State University
  • Masters in Education Administration, University of South Alabama


I have enjoyed building a wonderful life and family with my wife, Barbie, my college sweetheart and bride of 45 years.  I am the proud father of three children, and three beautiful grandchildren. When I am not at work, I love to fish, golf, and share my love for Jesus through teaching Sunday school and Bible studies.

*Working with an advisor that subscribes to the SmartVestor Pro network cannot guarantee investment success or that financial goals will be achieved.  There can be no assurance that working with a SmartVestor Pro will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program.  Advisors pay a fee to belong to the SmartVestor Pro program.  Dave Ramsey and the Dave Ramsey SmartVestor Pro program is not affiliated with SagePoint Financial, Inc. and is not sponsored or endorsed by SagePoint Financial, Inc.