Clifton “Buddy” William Horner Jr. is a seasoned financial advisor and tax preparer, currently serving at NFP Retirement Inc. in Aliso Viejo, California, and Minneapolis, Minnesota. He holds Series 63 and Series 65 licenses, enabling him to guide individuals and small businesses across multiple states including CA, MN, OH, VA, and WI. With over 16 years of industry experience—including roles at Baker Tilly Capital, Bronfman E.L. Rothschild LP, and Belr Capital—he brings deep expertise in financial planning, portfolio management, and pension consulting