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
Extended Care: A Patchwork of Possibilities
What is your plan for health care during retirement?
Estimating the Cost of College
This worksheet can help you estimate the costs of a four-year college program.
When to Self-Insure
Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails?
Raising Healthy Children
Healthy habits are one of the greatest gifts to give your child.
The Sequence of Returns
A look at how variable rates of return impact investors over time.
When Does Your Personal Car Become a Commercial Vehicle?
At what point can you call a personal vehicle commercial?
How Will the Economy React to AI?
What do concerns or uncertainty about AI mean for your future and your financial strategy?
Is Your Current Model Limiting Your Growth?
If you’ve been thinking what the next step in your career could look like, explore growth with the right team.
Insurance Needs Assessment: When You're Newly Married
Marriage changes everything, including your insurance needs.
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What Rate Would I Need to Earn on My Savings?
Work backwards from your savings goal to find the rate of return you'd need to get there.
How Can I Save a Million Dollars?
See what it takes in monthly contributions and time to reach a million-dollar savings goal.
How Long Will My Savings Last If I Become Disabled?
See how long your current savings might last if a disability interrupted your income.
The Power of 401k Catch-Ups
See how catch-up contributions after age 50 could significantly boost your retirement balance.
How Compound Interest Works
Explore how compound interest can grow your money over time with this interactive tool.
Inflation & Retirement
See how inflation over time could affect the purchasing power of your retirement income.
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Retirement and Quality of Life
Asking the right questions about how you can save money for retirement without sacrificing your quality of life.
Should You Tap Retirement Savings to Fund College?
There are three things to consider before dipping into retirement savings to pay for college.
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.
The Rule of 72
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.
A Bucket Plan to Go with Your Bucket List
A bucket plan can help you be better prepared for a comfortable retirement.
Dreaming Up an Active Retirement
When you retire, how will you treat your next chapter?