Our Team

Our Team

Rick Greenwood, CPA, CFP®


Rick holds a master’s degree in taxation from Bentley College and a bachelor’s degree in accounting from Suffolk University. He is a member of the American Institute of Certified Public Accountants, and has been awarded their specialty designation of Personal Financial Specialist (PFS). He is also licensed to assist clients in obtaining coverage for life, health, and long-term care insurance.

Rick earned the certification of CFP® from the CERTIFIED FINANCIAL PLANNER Board of Standards. He is an Investment Adviser Representative of Commonwealth Financial Network®.

Rick has been chosen as one of Boston's Five Star Wealth Managers for 2017 by Five Star Professional. This is his 5th year in a row being named a Five Star Wealth Manager*. The Five Star Wealth Manager award program is the largest and most widely published award program in the financial services industry. The award is based on a rigorous, multifaceted research methodology which incorporates input from peers and firm leaders along with client retention rates, industry experience and a thorough regulatory history review.

Clients say that one of the benefits of working with Rick is his ability to provide clear, easily understood explanations of financial products and services. Many of our clients have worked with us for more than 20 years!


Rick Greenwood is proud to have been recognized as a Summit Club advisor for 2017—a distinction based on annual production that places him among the top 23 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the Registered Investment Adviser–broker/dealer that helps us process investment transactions on your behalf, recognizes Summit Club advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Summit Club advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.

*Based on 10 objective eligibility and evaluation criteria, including a minimum of 5 years as an active credentialed financial professional, favorable regulatory and complaint history, accepts new clients, client retention rates, client assets administered, education, and professional designations. 2,467 Boston wealth managers were considered for the award; 626 (26 percent of candidates) were named 2017 Five Star Wealth Managers. These awards are not indicative of the wealth managers' future performance. Your experiences may vary. For more information, please visit www.fivestarprofessional.com.

Rick Greenwood, Jr.

Financial Advisor

Rick Jr. joined Horizon Financial Services in a part-time capacity in December 2014, transitioning to his current full-time financial advisor role in November 2015. Rick earned a bachelor’s degree in history from Boston College and holds his FINRA Series 7, 63, and 65 securities registrations as an Investment Advisor Representative of Commonwealth Financial Network®. He also holds licenses for life, health, and variable insurance products.

Rick lives in Medford with his fiancée, Kyla, their dog, Ranger, and two cats, Nyan and Kiki. When not in the office, he spends his time reading anything from the latest issue of the Economist to the latest issue of Batman, listening to music, enjoying craft beer and spirits, and fervently following the Bruins, Red Sox, Patriots, and Celtics—in that order.

Working with clients to achieve their personal financial goals, whether they be short-term or long-term, is why Rick comes to the office each day. There is not a dream too big to plan for, and helping people get there and seeing the look of joy (and often relief as well) that comes with that is the best return on investment in the world for him.

Kara Rappaport

Client Services Associate

 Kara joined Horizon Financial Services in February 2014 as a client services associate.

In this role, she is the first point of contact for clients and fields all inquiries. From establishing an account to preparing reports, Kara provides indispensable service to our advisors and clients.

Prior to Horizon Financial, Kara supported the Northeast market at Clinique Services, and prior to that, worked in the Investor Relations department at The Boston Beer Company. Some of Kara’s interests include reading, CrossFit, and skiing with her family.