Better Than a Gold Watch:
a Secure Retirement Income Plan
Many financial advisors have a goal of getting you big gains on your investments. Randy Horner is not one of them.
It’s not that he’s uninterested in returns. It’s that he’s more interested in turning your returns into your dependable retirement paycheck. Horner is the financial advisor who can help you keep the money your investments have generated, by planning for taxes, for the income you need, and for your nest egg to continue earning but without overspending on fees.
“My job is really not to double the money, not to focus on the best stock, the best mutual fund, or any sort of a transaction,” says Horner, an Investment Advisor Representative. “My job is to build you a customized financial strategy – a tax-efficient, secure income plan.”
Putting the Pieces Together
Horner is a former chief financial officer who decided in 1998 to work for the financial benefit of families rather than a corporation. In 2005, he founded The Horner Group LTD, which operates as a fiduciary, to serve clients who are retired or nearing that day.
Horner is, in his words, “a hybrid advisor” with a strong background in tax planning, fixed and variable insurance vehicles, and securities. “I understand how all those pieces fit into the puzzle.”
Other crucial pieces are pensions and Social Security. Horner calls these “layers” of lifelong income. “We build a plan using those layers to the extent that the client is comfortable with that guaranteed stream,” he says. “Sometimes there’s a gap between the reality and the goal. So vehicles like annuities can be used to provide secure, lifelong income.”
A Strong, Flexible Plan
Horner cautions against procrastination in planning, and he recommends getting a knowledgeable advisor on your side. “It’s very treacherous out there right now, due to the low interest rate environment, the volatile stock market, and rising taxes, energy and food costs,” he says. “It’s really difficult. People that maybe could have figured this out on their own in the past are struggling without help.”
The Horner Group LTD offers that help, creating and executing a plan made to follow an anticipated path but flexible enough, with built-in contingencies, to adapt if life throws a curve.
“Anybody can retire,” says Horner. “But my job is to make sure you can stay retired.”
1811 Hicks Road | Suite A | Rolling Meadows, IL 60008
847-701-0400 | email@example.com | www.thehornergroupltd.com
Investment Advisory Services offered through Global Financial Private Capital, LLC, an SEC Registered Investment Advisor.
Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Global Financial Private Capital.