Landon Horne, CFP, RICP - Northwestern Mutual

Landon Horne, CFP, RICP - Northwestern Mutual Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Landon Horne, CFP, RICP - Northwestern Mutual, Financial planner, 37 E 100 N, Ste 207, Heber City, UT.

Nobody wants an annuity. But everyone loves their pension. Here's why that's crazy. I've had this conversation more time...
06/10/2026

Nobody wants an annuity. But everyone loves their pension. Here's why that's crazy.

I've had this conversation more times than I can count.

Client sits down, we're talking retirement income, and the moment I mention annuities — the walls go up. "I've heard those are bad." "My buddy said never buy an annuity." "Isn't that what those pushy insurance guys sell?"

And you know what? They're not entirely wrong. There are bad annuity products out there. There are agents who've oversold them for years. That reputation wasn't earned out of thin air.

But here's what gets lost in that conversation every single time:
A pension is a guaranteed income stream for life that was funded by an employer. Social Security is a government-funded pension. An annuity is a personal pension — contractually guaranteed income that you fund yourself, rather than your employer or the government.

Same concept. Completely different emotional reaction.

I think about it this way. Imagine two schoolyards. One has a fence. One doesn't. You'd expect the kids without a fence to roam freely, right? Actually, the research shows the opposite. The kids with a fence played all the way up to its edges; leaning against it, kicking balls off it, fully using every inch of their space. The kids without a fence? They huddled closer to the building. Uncertain. Cautious.

That's your retirement without guaranteed income.

Retirees who know exactly what's coming in every month spend more freely. They enjoy retirement more. They're not white-knuckling their portfolio every time the market dips. They have a fence.

Annuities aren't right for everyone. But dismissing them without understanding what they actually do — that's the real mistake.

💬 Would knowing exactly what you could spend each month change how you'd live in retirement?

👇👇👇👇👇👇👇👇👇👇

I'm a CFP® professional that helps sales pros, medical professionals, and business owners make use of their inefficient, stagnant cash and win the tax game by not tipping Uncle Sam more than their fair share.

Strong jobs data may sound like good news—but with inflation still sticky, markets may see it differently. Brent Schutte...
06/09/2026

Strong jobs data may sound like good news—but with inflation still sticky, markets may see it differently. Brent Schutte, chief investment officer of Northwestern Mutual Wealth Management, breaks down what investors should know. http://spr.ly/6185B8LMh9

Vanguard says working with a human adviser is worth about 3% per year. Russell Investments puts it closer to 4.84%. More...
06/08/2026

Vanguard says working with a human adviser is worth about 3% per year. Russell Investments puts it closer to 4.84%. More than half of that value has nothing to do with picking investments.

Let that sink in for a second.

The majority of what a great financial adviser provides isn't about finding the right stocks or beating the market. It's about keeping you from getting in your own way.

Vanguard calls it "Adviser's Alpha." About 150 basis points of that 3% (roughly half) is attributed to behavioral coaching alone. Russell's study is even more pointed: 2.47% of their nearly 5% figure comes directly from the same thing.

Behavioral coaching. Keeping you invested when the headlines are terrifying. Stopping you from chasing last year's hot sector. Reminding you why you built the plan in the first place when panic sets in.

I've seen it firsthand for over ten years. The clients who cost themselves the most weren't victims of a bad market. They were victims of a reactive decision made at exactly the wrong moment — selling low, sitting in cash too long, abandoning a strategy that was actually working.

My job is to be the calm before, during, and after that storm. Not to be the smartest person in the room. Not to have a crystal ball. But to be the steady voice that keeps you from making a $50,000 mistake because the news scared you on a Tuesday morning.

According to two of the most respected research firms in the industry, it's the most valuable thing I do.

💬 When was the last time emotion drove a financial decision for you? How did it turn out?

👇👇👇👇👇👇👇👇👇👇

I'm a CFP® professional that helps sales pros, medical professionals, and business owners make use of their inefficient, stagnant cash and win the tax game by not tipping Uncle Sam more than their fair share.

Delayed gratification built more wealth than any hot stock tip. Ever. I've been a financial planner for ten years. And t...
06/05/2026

Delayed gratification built more wealth than any hot stock tip. Ever.

I've been a financial planner for ten years. And the clients who end up in the best shape? They're almost never the ones who found the perfect investment or timed the market right.

They're the ones who were just... consistent.

Here's the thing, saving 20% of your income and investing it regularly isn't glamorous. It doesn't get retweets. Nobody's making YouTube videos about it. But it works. Every time.

What doesn't work? Trying to time the market. Listening to your neighbor's brother-in-law's hot tip. Reacting to every headline that tells you the sky is falling or that you're about to miss the opportunity of a lifetime.

There's a concept most are familiar with called dollar-cost averaging. It's simple! You put money in on a regular schedule, regardless of what the market is doing. When prices are down, your dollars buy more. When they're up, you're already in.

You don't need to predict anything. You just need to stay in.

The market has always gone up over time. Has it been volatile? Yes. Have there been scary years? Absolutely. But it has never permanently failed the patient, disciplined investor.

Time in the market beats timing the market. Every single time.

The get-rich-quick crowd will always be louder than me. But I'd rather be the person who actually gets you there.

💬 What’s helping or hurting you to become a disciplined saver/investor? Drop your honest answer below.

👇👇👇👇👇👇👇👇👇👇

I'm a CFP® professional that helps sales pros, medical professionals, and business owners make use of their inefficient, stagnant cash and win the tax game by not tipping Uncle Sam more than their fair share.

Most people think a financial plan is a collection of products they've bought over time. It's not, and that misunderstan...
06/03/2026

Most people think a financial plan is a collection of products they've bought over time. It's not, and that misunderstanding is costing them.

Here's what I see all the time: someone comes in with a 401(k) they set up at their first job, a life insurance policy an agent sold them years ago, maybe a brokerage account they opened during COVID. A few random pieces, no real strategy connecting them.

That's a junk drawer. Not a financial plan.

A real, comprehensive financial plan has six distinct pillars:
🛡️ Risk Management — the right insurance in place so one event doesn't derail everything
💵 Cash Flow Management — knowing where your money goes and saving with intention
📜 Estate Planning — making sure your wishes are honored and your family is protected
🏖️ Retirement Planning — not just saving, but knowing how to actually live off what you've built
📈 Investment Strategy — putting your dollars to work in a way that fits your goals and risk tolerance
🧾 Tax Strategy — keeping more of what you earn, now and in retirement

Miss one of these, and the whole picture has a gap.

My job isn't to sell you a product. It's to look at your entire financial life and make sure every piece is working together toward where you actually want to go.

That's the difference between accumulating stuff and building real wealth.

💬 Which of these six areas do you feel most uncertain or behind on?

👇👇👇👇👇👇👇👇👇👇

I'm a CFP® professional that helps sales pros, medical professionals, and business owners make use of their inefficient, stagnant cash and win the tax game by not tipping Uncle Sam more than their fair share.

AI is driving stocks higher—but narrow market leadership means that there is more to these gains than meets the eye. Nor...
06/02/2026

AI is driving stocks higher—but narrow market leadership means that there is more to these gains than meets the eye. Northwestern Mutual Wealth Management CIO Brent Schutte examines what’s underneath the gains and why diversification still matters. http://spr.ly/6183B8iYMJ

There's a difference between a financial entertainer and a financial planner. Here's what that means for your future.Soc...
06/01/2026

There's a difference between a financial entertainer and a financial planner. Here's what that means for your future.

Social media has made everyone a financial expert.

The guy with 800,000 followers telling you to dump everything into one ETF? Not licensed. Not regulated. Not held to any fiduciary standard. Just loud.

I’ve spent the better part of a decade earning three professional designations — the CFP® (Certified Financial Planner), the RICP® (Retirement Income Certified Professional), and the ChFC® (Chartered Financial Consultant), the latter two from the American College of Financial Services. Those aren’t participation trophies. They require rigorous coursework, examinations, and an ongoing commitment to continuing education.

More importantly, I operate under regulatory oversight of the SEC and FINRA. That means I’m held to standards that protect YOU. Both legally and ethically.

The financial influencer posting from a ring light? There’s no one holding them accountable when their advice blows up your retirement.

I’m not here to entertain you. I’m here to actually help you build wealth.

That’s a slower, quieter, less glamorous path. But it’s the one that actually works.

If you’re tired of the noise and looking for a real plan... that’s exactly what I do.

💬 What's one piece of financial advice you've seen online that made you cringe? Drop it below.

👇👇👇👇👇👇👇👇👇👇

I'm a CFP® professional that helps sales pros, medical professionals, and business owners make use of their inefficient, stagnant cash and win the tax game by not tipping Uncle Sam more than their fair share.

AI leadership, hotter inflation signals, and a changing of the guard at the Fed—Northwestern Mutual Wealth Management Co...
05/27/2026

AI leadership, hotter inflation signals, and a changing of the guard at the Fed—Northwestern Mutual Wealth Management Company CIO Brent Schutte breaks down the economic data and markets news investors need to know. http://spr.ly/6183B8VDGf

As AI-leveraging stocks continue to surge, many have asked whether investors are ignoring the risks of the Iran energy c...
05/19/2026

As AI-leveraging stocks continue to surge, many have asked whether investors are ignoring the risks of the Iran energy crisis. The answer is yes, but only at the index level. In reality, the answer is far more nuanced. Northwestern Mutual Wealth Management Company CIO Brent Schutte addresses this question and more in the latest Weekly Market Commentary. http://spr.ly/6186BB4ebw

05/12/2026

****MEDICAL PROFESSIONALS WITH STUDENT LOANS (OR ANYONE WITH STUDENT LOANS)****

There was a recent court ruling that is going to phase out a lot of the existing Income Based Repayment (IBR) plans as it relates to student loan repayment and potential forgiveness. Within this, there are also affects to the Public Service Loan Forgiveness (PSLF) program. The deadline for making decisions on how to continue student loan repayment (as it stands currently), which could be massive one way or the other, is July 1.

So, I’d encourage you to reach out to your loan servicer asap (if you still have a balance) or let me know if you’d like to speak with our resource about these changes.

Also, feel free to pass this info along to other friends and colleagues that may have student loans still.

Address

37 E 100 N, Ste 207
Heber City, UT
84032

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 7pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Landon Horne, CFP, RICP - Northwestern Mutual posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category