Charlie Horonzy
CFP® , CPA
Focused Up Financial, LLC
Founder & Financial Advisor
Charlie Horonzy
CFP® , CPA
Focused Up Financial, LLC
Founder & Financial Advisor
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Charlie Horonzy, CFP® , CPA
Fee-Only financial planner located in Chicago, IL, serving clients locally and across the country

Charles Horonzy is a Chicago, IL fee-only financial planner. Focused Up Financial, LLC provides comprehensive financial planning, tax services, and one time planning sessions to help entrepreneurs, young professionals, and young families organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Charles Horonzy is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Charlie Horonzy is founder and fee-only financial advisor at Focused Up Financial, LLC.
I founded Focused Up Financial because finances are important, yes, but finances are a means to an end, not the end. I founded this firm to help people ultimately focus on their lives. I want to help people who are passionate about striving for more. Those who want to better themselves not only financially, but in every aspect of their lives.
I traveled a unique path to find my way to the financial planning industry. After graduating from the University of Illinois at Urbana-Champaign, with a bachelor’s and master’s degree in Accounting Sciences, I entered the public accounting world. After a few years, I took my shot in the corporate accounting world.
Something was missing, though.
I figured out that my passion for helping people was not being fulfilled. So, with bright and starry eyes I made a bold decision to dedicate a year to service work. Was I nervous? You bet. Did I know what was going to happen? Not in the least. Am I glad I did it? No doubt in my mind. It changed the whole direction of my life!
When I returned to Chicago I knew I wanted to integrate my CPA background with helping people, which led me to financial planning. I think about that decision a lot. I feel blessed that I can meet and help so many dynamic and diverse families and individuals.
One of the greatest freedoms in the financial planning industry is being a fee-only planner. As a fee-only firm, we are only compensated by our clients. We do not accept fees for recommending products. Because of this, I take pride in offering recommendations that benefit each client’s individual goals.
In my free time, I enjoy checking out the different neighborhoods of Chicago; biking on the wonderful lakefront trail (which I hardly do enough!); and volunteering at a variety of organizations including, the Financial Planning Association, my church, and LadderUp, a not-for-profit tax assistance program.
I look forward to learning about what drives you, so together we can build on your finances and help you live your best life.
Charlie Horonzy is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
Focus Your Finances. Focus Your Life.
Focused Up Financial, LLC was founded with a simple goal; To care about my clients. So often people can feel lost in a transaction-based world. As a Certified Public Accountant and CERTIFIED FINANCIAL PLANNER™, I want to give my clients the care they deserve with tax-focused, fee-only comprehensive financial planning.
Who we serve: Focused Up Financial serves all people. We specialize in serving entrepreneurs, young professionals, and young families. If you’re looking for some focus in your life, we’d love to see what we can do.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Charles Horonzy is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Charlie Horonzy is a Member of the XY Planning Network
The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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Charlie Horonzy is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Charlie Horonzy is a Certified Public Accountant (Learn More)
A Certified Public Accountant (CPA) is a professional accountant who has met the education and experience requirements set by their state's Board of Accountancy and has passed the Uniform CPA Exam. CPAs are licensed to provide a wide range of accounting services, including financial statement preparation, tax planning and preparation, auditing, consulting, and other financial advisory services.
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Charlie Horonzy is a Member of the Alliance of Comprehensive Planners (ACP)
Alliance of Comprehensive Planners (ACP) is the community of tax-focused financial planners that operate under the retainer model. Passionately dedicated to superb client service, ACP planners’ only source of income is client retainer fees – not commissions. With an ACP planner, you can be confident you’re getting experience, knowledge, research, and most importantly, advice that is tailored just for you.
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Charlie Horonzy is a Member of 'Chicago Fee Only', a group of fee-only financial advisors in the Chicago, IL area serving clients locally
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Charlie Horonzy is Quoted on The Huffington Post: "Buying A Home? Don't Fall Victim To These 7 Mortgage Myths"
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Charlie Horonzy is Quoted on Quicken.com: "Online Investing Platforms: Which One Is Right for You?"
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Charlie Horonzy is Quoted on CNN.com: "How to develop (and stick with) your 2019 investment strategy"
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Charlie Horonzy is Quoted on Mint.com: 'How College Grads Can Get Started Investing"
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Charlie Horonzy is Quoted on NerdWallet.com: "What Is Risk Tolerance, and Why Is It Important?"
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Charlie Horonzy is Quoted on NerdWallet.com: "Don’t Let Magical Thinking Jinx Retirement Planning"
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Charlie Horonzy is Quoted on BankRate.com: "Earning a low APY on your savings account? Here’s how much you’re leaving on the table"
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Charlie Horonzy is Quoted on BankRate.com: "Small savings? No problem — these banks offer high yields with low minimum balance requirements"
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Charlie Horonzy is a Member of the Catholic Financial Planners Network
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Charlie Horonzy is Quoted in MarketWatch: "Get real about retirement: 8 common ways people fool themselves"
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Charlie Horonzy is Quoted on Divine Wealth Strategies Blog: "Don’t Let Magical Thinking Jinx Retirement Planning"
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Charlie Horonzy is a Featured Guest on The Catholic Money Mastermind Podcast: "The Finances of Education for Catholic Families"
Contact Charlie Horonzy
Office Locations:
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21 South La Grange Road
La Grange, IL 60625