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
The Great Debate Continues: Active vs. Passive
In investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”
The Most Overlooked Item of Any Home Improvement
The item most homeowners forget on their home improvement project checklist is insurance.
Women on the Rise
Explore the growing influence women wield over the economy with this handy infographic.
Early Lessons for Raising Financially Confident Kids
Simple, everyday strategies to help kids develop healthy money habits and financial confidence over time.
The Lowdown on Those Free Credit Scores
What’s the deal with your yearly free credit report?
Critical Estate Documents
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
The Sequence of Returns
A look at how variable rates of return impact investors over time.
Assess Life Insurance Needs
How to help determine life insurance needs to provide for your family after you pass away.
Does Your Child Need to File an Income Tax Return?
When your child has income, there’s a good chance that he or she will need to report it and pay taxes.
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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.
IRA Income
Estimate the potential monthly income your IRA balance could generate in retirement.
What's Your MPG?
Calculate your vehicle's fuel efficiency and see what you're spending on gas annually.
How Compound Interest Works
Explore how compound interest can grow your money over time with this interactive tool.
Bi-Weekly Mortgage Payments
See how switching to bi-weekly mortgage payments could reduce interest and shorten your loan.
My Retirement Savings
See how your current savings rate and contributions may grow into retirement income.
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Forecast
This short video helps explain why markets can be as unpredictable as the weather.
Bull and Bear Go To Market
Learn about the difference between bulls and bears—markets, that is!
Tuning Your Social Security Benefit
When should you take your Social Security benefit?
Stay Safe with a Business Owner's Policy
Learn the advantages of Business Owner's Policies with this highly educational and fun animated video.
The Latte Lie and Other Myths
Check out this video to begin separating fact from fiction.
How to Bake a Pie-R-A
Roth IRAs are tax-advantaged differently from traditional IRAs. Do you know how?