Frank Horton, CFP®
Wednesday, January 16, 2019
Taking the Worry Out of Your Financial Future
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Frank Horton, CFP®
221 Twin Oaks Drive
Oneonta, AL 35121
(P) 205.274.7327
(F) 205.274.7323

Frank began studying financial planning as a hobby in the early 1990s while still active-duty Air Force. As he explained, “I learned through casual conversations that many of my pilot and navigator friends were making financial mistakes and missing opportunities. Clearly, there was a tremendous need for professional, middle-income financial advisors.”  Frank felt a calling to give regular folks access to trustworthy and independent financial expertise. Over the next 12 years, Frank helped government employees and their families take the worry out of their financial future. In 2006, he was awarded the CERTIFIED FINANCIAL PLANNER™ designation. 


In 2008, Frank retired from the Air Force and soon attained Enrolled Agent status in order to practice before the IRS. As Frank puts it, “Everything about finances has a tax question! So how can a financial ‘expert’ not be a tax expert?” Everything Frank does is to serve the client which is why he works out of his home office. He says, “There’s nothing to suggest a firm with a fancy building and office design provides superior planning services. These upscale designs are an empty boast and the additional expenditures have to be recouped from the client—why else have them but for the promise of a premium.” 


Frank maintains a fee-for-service professional business model similar to the family doctor: “Think of me as a general practitioner whom you go to first and who ties it all together. I can handle the full range of issues at less cost and you won’t have to worry if your broker is causing you to pay more taxes or if your life insurance is undermining your retirement. If you do need a specialist, I can help you find one and probably save you some money.”


Frank is a member of the National Association of Personal Financial Advisors (NAPFA), and the National Association of Tax Professionals (NATP). He is the only Registered Investment Advisor in the state of Alabama dedicated to a truly independent process of Fee-Only, holistic financial planning. 


Frank’s hobbies include running with his dogs, church, economics, and history. Frank is married to the former Marsha (Morrison) Huie, and father to their 20-year-old treasure, Hannah.