Gain from an independent perspective.
Scott Horner has been providing personalized financial consulting services with more than 30 years of dedicated personalized service to our clients. Our independence allows us to offer you an balanced objective approach to serving your investment needs.
Whether you are just starting to save for your future, or are a seasoned investor, Scott Horner has the financial management experience to direct you towards reaching your objectives. Scott also offers financial and investment services through Cetera Advisors LLC to business owners and their employees. Our commitment is to always provide balanced advice, impeccable service, and diversified financial resources to serve your individual needs … that’s one benefit of an independent perspective.
Would you like to be able to pick all three? Call or email me and lets see what we can do together.
Helpful Content
5 Unexpected Costs That Can Disrupt Retirement
Don’t let the unexpected derail your retirement. Discover five common surprise costs and how to plan ahead with confidence.
The Other Sure Thing
A new LIMRA study shows that 40% of Americans believe the death of a primary wage earner would cause financial challenges.
And the Executor Is
The right executor may help ensure the distribution of your assets is done with as little upheaval as possible.
FIRE Retirement
This short, informative article teaches the basics of the FIRE movement.
Retirement Seen Through Your Eyes
What's your vision of retirement?
Preserve, Grow, and Give: Year-End Wealth Planning
Help preserve, grow, and pass on your wealth and legacy to future generations through smart year-end planning strategies.
How Boomers and Millennials Differ
The YOLO Economy is a focus on experiences over material possessions, prompting Boomers to consider a similar mindset.
New Retirement Contribution Limits for 2026
A look at the new retirement contribution limits from the IRS.
Diversification, Patience, and Consistency
Three important factors when it comes to your financial life.
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How Long Will Your Money Last?
See how long a lump sum of savings could last based on your withdrawal rate and return.
The Power of 401k Catch-Ups
See how catch-up contributions after age 50 could significantly boost your retirement balance.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio to understand how lenders may view your financial health.
Debt vs. Investment
Weigh the potential outcomes of paying off debt versus directing those dollars elsewhere.
My Retirement Savings
See how your current savings rate and contributions may grow into retirement income.
How Compound Interest Works
Explore how compound interest can grow your money over time with this interactive tool.
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It Was the Best of Times, It Was the Worst of Times
All about how missing the best market days (or the worst!) might affect your portfolio.
Encore Careers: Push Your Boundaries
Ready for retirement? Find out why many are considering encore careers and push your boundaries into something more, here.
The Power of Compound Interest
Learn how to harness the power of compound interest for your investments.
Exit Strategies of the Rich and Famous
Estate conservation is too important to put off. Do you have a smart exit strategy?
How Cash Apps Work
Peer-to-peer payment apps are one of the newest ways to send money.
How to Bake a Pie-R-A
Roth IRAs are tax-advantaged differently from traditional IRAs. Do you know how?