Horizon Advisers Unleashed Podcast: Recent Episodes
Ryan Kus, Alex Dinser, and Andrew Hinrichs
As financial planners and business owners, we will discuss many topics. Our goal is to educate listeners on specific financial topics as well as conducting interviews of other business professionals. We hope you learn from their insight, stories, and experiences.Financial Advisor offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer, and a Registered Investment Adviser. Horizon Advisers is not a subsidiary of nor controlled by Cetera. Tax services are provided by Horizon Advisers. Cetera Advisor Networks does not provide tax services. Tax and accounting services provided by Horizon Advisers CPA. Cetera Advisor Networks does not provide tax nor accounting services. 5455 Corporate Dr. Suite 210 Troy, MI 48098
Many people in their 40s and 50s feel like they're being pulled in two directions at once. They're helping their children pay for college, first homes, or everyday expenses while also stepping into the role of caregiver for aging parents.
Welcome to the Sandwich Generation.
In this episode, Ryan Kus and Andrew Hinrichs discuss the financial and emotional challenges of balancing multiple generations that depend on you. They cover how to protect your own retirement while helping loved ones, common planning mistakes families make, and practical strategies for navigating long-term care, estate planning, and family conversations.
If you've ever wondered, "How do I help everyone without sacrificing my own future?" this episode is for you.
If you're earning more money than ever before but still feel like you're falling behind, you're not alone.
In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs tackle a surprising reality: many high-income earners are experiencing significant financial stress despite making $250,000, $500,000, or even more per year.
How is that possible?
The answer often has little to do with income and everything to do with lifestyle inflation, taxes, debt, lack of planning, and the growing financial pressures that come with success.
During this conversation, we discuss:
• Why high income doesn't automatically create wealth
• The hidden impact of lifestyle creep
• How taxes can quietly derail your financial progress
• The difference between earning money and building wealth
• Common mistakes successful professionals make with their finances
• Why financial planning matters more than ever for high earners
• How to create true financial freedom instead of simply looking successful
Whether you're a business owner, executive, physician, sales professional, or someone striving to build long-term wealth, this episode will help you understand why income alone is not enough—and what you can do to take control of your financial future.
The goal isn't to make more money.
The goal is to create more freedom, flexibility, and peace of mind.
Tune in to learn how.
Why do some people naturally save while others struggle to hold onto money? Why do certain financial decisions feel easy for one person and stressful for another?
In this episode, Andrew joined by guest Dr. Nick Phillips explore the powerful connection between family origin and financial behavior. They discuss how the money messages we receive growing up—from our parents, grandparents, and early life experiences—can shape our beliefs about spending, saving, investing, risk, and financial success.
The conversation dives into how family dynamics influence our financial mindset, the hidden patterns that impact decision-making, and the importance of recognizing these influences to build a healthier relationship with money. Whether you grew up in a household where money was openly discussed or rarely mentioned at all, understanding your financial roots can provide valuable insight into your current habits and future goals.
Tune in for an engaging discussion on self-awareness, financial behavior, and the lasting impact family origin has on the way we handle money.
In this episode, Alex and Andrew sit down with Dennis Weiss for a wide-ranging conversation on entrepreneurship, leadership, investing in sports, and the mindset required to succeed in business today. Dennis shares insights from his own experiences building businesses, navigating challenges, and spotting emerging opportunities in evolving industries.
Most people think financial planning is something you “get to later.”
But what if the people closest to the ground—young, hungry advisors building from scratch—actually have the clearest perspective on what works?
In this episode, Andrew sits down with Dylan Woebkenberg, a Certified Financial Planner® who’s built his career from the ground up, to break down what he’s seeing firsthand with clients today.
We’re skipping the résumé and getting straight to what matters:
- The biggest money mistakes people make in their 20s, 30s, and 40s
- What actually moves the needle when it comes to building wealth
- How to think about investing, saving, and planning in today’s environment
- And what you should be doing right now—no matter where you’re starting
If you’ve ever wondered, “Am I doing the right things with my money?”—this episode is for you.
🎯 Walk away with practical strategies, a clearer roadmap, and confidence in your next move.
No savings. No investments. Just a fresh start.
In this episode of Horizon Advisers Unleashed, Ryan Kus sits down with CFP® Brad Spindler to break down a simple, step-by-step game plan for building wealth from scratch.
No hype. No complicated strategies. Just what actually works.
👉 If you’re in your 20s, 30s, or even 40s and feel like you’re working hard but not getting ahead… this episode is for you.
💡 In This Episode, You’ll Learn:
- What to do with your first $1,000
- How to handle your first $10,000
- When to invest vs. pay off debt
- The biggest financial mistakes people make early on
- How to build wealth without sacrificing your lifestyle
- Why most people fail due to poor money order—not income
Buying a home is one of the biggest financial decisions you’ll ever make — but most people focus on the paint colors and forget the financial strategy.
In this episode, Ryan and Andrew break down the Top 10 things you should do when buying a house — before you make an offer, during the process, and after you get the keys.
From credit scores and mortgage strategy to emergency reserves, insurance gaps, tax surprises, and long-term wealth planning — this episode is your complete financial checklist for buying smart.
If you’re buying your first home, upgrading, downsizing, or considering a second property, this episode will help you avoid costly mistakes and protect your long-term financial plan.
Because the goal isn’t just owning a home.
It’s owning it without wrecking your future.
Alex and Andrew discuss the Big Beautiful Bill, focusing on some key parts of the new legislation that will affect consumers & retirees.
In this episode, we talk with Drake Filippis, Associate Broker at Signature Associates, about his path from mortgages and residential sales into commercial real estate
Drake Filippis. Drake shares the moment he knew commercial was his future, how his father’s career influenced him, and why specialization matters in larger, more complex real estate deals.
He also breaks down who he serves in Michigan markets like Ann Arbor and Livonia, how he builds client relationships, and when property owners or investors should reach out to a commercial broker. Plus, get a behind-the-scenes look at his early mornings, “old-school” work ethic, and why being in the office and out in the field still gives brokers a competitive edge.
A great listen for anyone interested in commercial real estate, investing, or building a high-performance career.
Open enrollment can feel like a blur of forms, jargon, and guesses — but the choices people make in these few weeks have a massive impact on their finances for the entire year. In this episode, Ryan and Andrew break down the most common mistakes employees make when selecting benefits… and the simple, strategic moves that can save real money.
From HSA vs. PPO decisions, disability insurance pitfalls, and life insurance traps to dependent care strategies and employer match misunderstandings — this is a practical, no-nonsense guide to getting benefits right. Whether you're an employee, HR leader, or business owner, you'll gain clarity on what to choose, what to skip, and how to maximize the compensation you're already earning.
Perfect for anyone heading into open enrollment or helping others navigate it.
The final month of the year may be filled with holiday distractions, but it’s also where your financial year is won or lost. In this episode, Ryan and Andrew break down the high-impact money moves to make before December 31 — from tax-loss harvesting and charitable gifting strategies to maxing out retirement and HSA contributions. We’ll cover the exact contribution limits for 2024/2025, critical RMD deadlines, and the simple checks that can protect your wealth, reduce taxes, and set you up strong for next year. Before the ball drops, make sure your finances are ready for a fresh start!
Perfect for individuals and families looking to finish the year right — and for anyone who wants to keep more of what they earn.
November marks National Long‑Term Care Awareness Month — an ideal time for a proactive, no-fear conversation about long-term care (LTC) planning, the risks Americans face if they wait, and how to incorporate LTC strategies into a comprehensive financial plan. In this episode, Ryan and Alex will dig into the latest statistics on LTC need and cost, explore key misconceptions, and provide actionable steps individuals and families can take now to protect their future, preserve assets, and reduce the burden on loved ones. Whether you’re in your 40s, 50s or planning for retirement, this episode will equip you with knowledge and questions to ask — because when it comes to long-term care, the best strategy is having one.
In this laid-back Horizon Advisers Unleashed lifestyle episode, Ryan and Andrew share their favorite local spots, unexpected adventures, and the simple joys that come from hitting pause and exploring somewhere new.
From Sedona’s spiritual energy and breathtaking hikes to Maine’s charm, lobster rolls, and ocean views, the conversation blends travel inspiration with real talk about work-life balance, financial freedom, and how intentional time away can spark fresh perspectives back at home and in business.
In this episode of Horizon Advisers Unleashed, Alex Dinser and Andrew Hinrichs sit down with John Diehl, Vice President of Hartford Funds and expert in behavioral finance, to explore how retirement planning has evolved beyond just numbers and nest eggs.
Together, they unpack the concept of the “Freedom Paradox” — why having more time and choices in retirement doesn’t automatically mean greater fulfillment. From purpose-driven planning to lifestyle design, this conversation dives into how emotions, identity, and behavior shape our financial decisions in this next chapter of life.
Whether you’re approaching retirement or guiding others through it, this episode offers a fresh perspective on aligning money with meaning — and redefining what true freedom looks like.
You’re saving for your kids’ college, trying to build your own retirement, and suddenly… your parents need help too. Welcome to the Sandwich Generation — where financial planning meets emotional juggling.
In this episode of Horizon Advisers Unleashed, Ryan and Andrew unpack the unique financial challenges facing people caught between supporting aging parents and raising children. From managing cash flow and care costs to maintaining your own financial independence, they’ll explore strategies to stay balanced when everyone depends on you.
They’ll also share real-life examples from clients navigating this season of life — and how a smart, compassionate financial plan can bring order to the chaos.
Reaching that first million in net worth or investable assets is a major milestone — but it’s not the finish line. It’s the point where financial complexity, taxes, and lifestyle decisions start to multiply.
In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down what life looks like after you cross seven figures. They’ll talk about how your mindset, goals, and financial strategy should evolve — from protecting what you’ve built, to planning for the next phase of growth, to avoiding lifestyle creep.
Whether you’re nearing the million mark or already there, this conversation will help you think like a true wealth builder — not just someone with a big balance sheet.
We all know what we should do with our money — update beneficiaries, review insurance, create an estate plan, rebalance investments. But why do so many people procrastinate when it comes to their finances? In this episode of Horizon Advisers Unleashed, Ryan and Andrew dig into the psychology behind financial inertia — the invisible force that keeps people from taking action.
They’ll explore common triggers that cause delay, from fear of making a mistake to information overload. More importantly, they’ll share practical strategies for breaking through paralysis and building momentum. If you’ve ever said, “I’ll get to it next year,” this conversation will give you the nudge to finally move forward with confidence.
We’ve all said it before: “I knew that stock was going to crash.” Or “Of course interest rates had to go up.” But did we really know? Or are we falling into one of the most common behavioral finance traps: hindsight bias.
In this episode of Horizon Advisers Unleashed, Alex and Andrew break down why our brains love to trick us into believing the past was predictable, how this false sense of certainty fuels overconfidence, and the costly mistakes it can cause in investing. From market bubbles to economic shocks, hindsight bias shapes the way we look at history — and unfortunately, how we try to predict the future.
You’ll learn:
- Why hindsight bias makes investing seem easier than it really is.
- How “I knew it all along” thinking leads to overconfidence and regret.
- Practical steps to avoid hindsight traps and stick to a solid investment process.
By the end, you’ll see why the smartest investors don’t try to predict the past or the future — they focus on making sound, repeatable decisions today.
Starting a business is exciting—but it’s also filled with decisions that can shape your success for years to come. In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down the essential things every new entrepreneur should think about before hanging up their first “open” sign.
From choosing the right business structure to understanding your tax responsibilities, they’ll walk through the financial and legal foundations that give your business the best chance to thrive. You’ll also hear best practices for separating personal and business finances, setting up smart accounting systems, and creating a financial game plan to weather both the good times and the challenges ahead.
Whether you’re planning a side hustle or building the next big company, this conversation will help you start strong, avoid common pitfalls, and move forward with confidence.
In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down one of the most important levers in the economy—the Federal Funds Rate. With the Fed holding steady but markets buzzing about possible cuts before year-end, what might actually happen with interest rates in the coming months? More importantly, how does this affect your wallet—from mortgages and credit cards to investments, savings, and retirement planning?
Ryan and Andrew explain the role of the Fed in shaping economic conditions, what indicators to watch, and how everyday investors can position themselves for whatever comes next.
If you’ve been wondering whether to refinance debt, adjust your portfolio, or just make sense of the headlines, this conversation will give you clarity and practical takeaways.
September is Life Insurance Awareness Month, and Ryan Kus and Alex Dinser are breaking down why this conversation matters for every household. In this episode of Horizon Advisers Unleashed, they walk listeners through the role life insurance plays in protecting your family, preserving wealth, and ensuring financial security.
Ryan and Alex cover the key things you should consider, including:
- How much coverage you really need—and how to calculate it.
- The differences between term and permanent policies.
- Common misconceptions about cost and accessibility.
- Why life insurance is not just about death, but also about living benefits.
- The impact life insurance can have on your broader financial plan, estate planning, and even business continuity.
Whether you’re just starting out, raising a family, or building long-term wealth, this conversation will help you understand how life insurance can be a cornerstone of financial confidence.
The old idea of retiring at 65 doesn’t fit today’s world. In this episode of Horizon Adviser Unleashed, Ryan Kus and Andrew Hinrichs break down why retirement is no longer a single finish line, but a series of life stages that blend work, purpose, and financial freedom.
From longer life expectancies and rising healthcare costs to phased retirements, Gen X challenges, and new definitions of wealth, Ryan and Andrew share practical insights on how to design a retirement that actually works for you. With their signature mix of clarity, humor, and real-world experience, this conversation will help you rethink what retirement can (and should) look like.
👉 Tune in to learn how to build a retirement plan that goes beyond an age—and supports the life you truly want.
Healthcare Bridge: Before Medicare Kicks In
Retiring before 65 sounds great—until you realize one big problem: Medicare doesn’t start until age 65. So how do you cover healthcare in those “in-between years” without draining your savings?
In this episode, Ryan and Andrew break down the real options for pre-retirees: COBRA, ACA marketplace plans, spousal coverage, part-time work with benefits, and even alternative solutions like HSAs and health-sharing programs. They’ll share the pros, cons, and strategies for making the most of each choice—plus tips on how to manage your income to keep premiums affordable.
If you’re dreaming of early retirement, don’t let healthcare costs catch you off guard. Ryan and Andrew explain how to build a bridge from your last day of work to your first day on Medicare with confidence and clarity.
In this eye-opening episode of Horizon Advisers Unleashed, Andrew and Ryan explore a surprising new trend: being smart with money is becoming one of the most attractive qualities you can have. 💡 Gen Z is rewriting the dating and lifestyle playbook—skipping expensive nights out, favoring meaningful (and budget-friendly) experiences, and putting savings and debt payoff ahead of flash and excess.
We’ll dig into what’s driving this cultural shift, how financial habits influence relationships, and what this means for your own financial journey—whether you’re dating, married, or somewhere in between. You’ll hear real stats, personal stories, and practical tips for keeping both your wallet and your relationship healthy.
Source: https://www.reuters.com/markets/wealth/is-it-sexy-be-financially-responsible-2025-08-08/
In this episode of Horizon Advisers Unleashed, Ryan and Andrew explore a growing trend in the financial world: retirement coaching. It’s no longer just about the dollars and cents. More firms are helping clients answer deeper questions like: “What’s next for me?” and “How do I live a meaningful life after work?”
We dive into how retirement coaching addresses the emotional and psychological aspects of leaving a career, how it can help clients avoid “post-retirement blues,” and why this human-first approach is becoming a competitive edge for forward-thinking advisory firms.
Whether you're planning your own next chapter or advising others through theirs, this episode will open your eyes to the power of planning for purpose—not just paychecks.
Artificial Intelligence is everywhere—helping you write emails, plan trips, even build budgets. But can it answer life's biggest financial questions?
In this episode of Horizon Advisers Unleashed, Ryan and Andrew explore the promise—and limitations—of using AI for personal finance. From investing your life savings to figuring out if you can retire at 65, we break down where AI tools shine and where human guidance still matters most.
If you've ever asked ChatGPT about retirement or plugged your future into a robo-advisor, this episode is for you. Let’s separate the hype from the helpful and uncover when it’s smart to get help from a real (human) financial pro.
When a loved one passes away, most people assume everything must go through probate—but that’s not always the case.
In this episode, Ryan and Andrew break down what actually happens to financial accounts in a small probate case. They cover:
- Which accounts typically do go through small probate
- How to avoid probate altogether with simple planning
- What to know about jointly owned accounts, PODs, and TODs
- Real-world examples of how families can save time, money, and stress
- Why the size of the estate doesn’t always match the complexity
Whether you're helping a family member settle an estate or planning ahead for your own legacy, this episode offers clarity on an often confusing process.
🔍 Spoiler alert: Proper beneficiary designations and titling can make all the difference.
In this episode, Alex and Andrew open up about one of the most under-discussed financial challenges—the real cost of being a working parent.
From daycare to summer camps, after-school care to sick day backups, the expenses add up fast. And it’s not just about dollars — it’s also about time, energy, and career decisions that affect long-term financial outcomes.
👶 They unpack key questions like:
- How much does childcare really cost?
- What hidden expenses often catch families off guard?
- How do two-career households juggle finances, time, and mental load?
- Is one parent stepping back worth it financially — or not?
- What tax breaks, dependent care accounts, and workplace benefits can help?
Whether you're a new parent navigating costs for the first time or a seasoned pro looking to optimize your family finances, this episode is packed with practical advice, honest reflections, and planning tips.
👉 Tune in and learn how to manage the chaos, plan with purpose, and keep your financial goals on track — while raising a family.
Whether it’s a corporate layoff, restructuring, or an unexpected termination, the financial shock can feel overwhelming. But the steps you take in the first few days and weeks can make a big difference in your long-term stability.
They walk through the key questions and decisions:
- What immediate actions should you take to stabilize your finances?
- How do you handle health insurance, severance, and unemployment benefits?
- Should you pause retirement contributions or pull from savings?
- How do you rebalance your budget to protect your emergency fund?
- And how can you turn this into an opportunity to reassess your career and financial goals?
Andrew and Alex are joined by guest Andrew Maurer, who is a licensed attorney in Grosse Pointe Woods, Michigan. Maurer has also trained in comedy writing with the Second City and a SNL television writer. Maurer served for four years as a creator/writer/producer for “Master Comics LLC.” an independent comic book label which he helped bring onto the national and international market, before leaving to pursue his J.D. from Wayne State University Law School. They discuss his career path and how he ended up where he is now!
In this special lifestyle episode of the Horizon Advisers Unleashed podcast, Andrew sits down with Ryan to hear all about his recent family getaway to one of the most breathtaking places on earth—Bora Bora. 🌴🌊
They talk about:
- What it’s really like to wake up in an overwater bungalow
- The unexpected moments that made the trip unforgettable
- Balancing adventure and relaxation with kid in tow
- Why taking time away (even as a planner) is essential for perspective
- Tips for anyone considering a trip to French Polynesia
This episode is a refreshing reminder that while we plan for the future, it’s just as important to enjoy the present. Tune in for travel stories, laughs, and a glimpse into the kind of intentional living that financial planning helps make possible.
In this thought-provoking episode of the Horizon Advisers Unleashed podcast, Ryan and Andrew tackle a topic that doesn’t get discussed enough: oversaving. 💰⏳
While most financial advice focuses on saving more, some people take it to the extreme—delaying joy, deferring experiences, and constantly fearing they haven't saved enough... even when they have.
In this episode, they explore:
- The difference between healthy saving and fear-based hoarding
- Why some high earners struggle to give themselves permission to spend
- How financial planning can help bring balance between tomorrow and today
- Real stories of people who waited too long to enjoy their wealth
- Questions to ask yourself if you're overly focused on the future
If you’ve ever wondered, “Am I allowed to enjoy my money?”—this one’s for you. It's not just about building wealth. It’s about using it meaningfully while you can.
🎧 Tune in for practical insight, mindset shifts, and a reminder that life isn’t just about preparing for the future—it’s about living it.
Struggling to control your spending—even when you know better? You’re not alone. In this episode of Horizon Advisers Unleashed, Andrew and Ryan explore the habits, emotions, and triggers behind overspending. From impulse buys on Amazon to lifestyle creep and "emotional swiping," they explain why simply creating a budget isn’t enough.
You’ll learn practical strategies to shift your mindset, stay intentional with your purchases, and put systems in place that actually work. Whether you’re trying to save for a goal, pay off debt, or just regain control—this conversation will help you rethink how you spend.
In this laid-back lifestyle episode of Horizon Adviser Unleashed Podcast, Ryan and Andrew take you to the stunning mountains of Whistler, Canada. Joined by Alex, Matt, and Scott, the crew shares highlights from their recent getaway—from exploring the scenic village and local food spots, and all the outdoor activities that can be enjoyed during the summer.
Whether you’re a snow lover, a travel junkie, or just looking for ideas for your next guys’ trip, this episode is packed with stories, laughs, and a little inspiration to unplug and enjoy the ride.
Grab your drink and come along for the adventure!
Heard the term HSA but not quite sure what it means—or why so many financial professionals rave about it? In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down the Health Savings Account: what it is, who it’s for, and how it can be a triple tax-advantaged powerhouse for your finances. Whether you’re new to HSAs or want to maximize one you already have, this episode will leave you better equipped to use it wisely for both health costs and long-term wealth building.
You walked across the stage, threw your cap, and now reality hits: student loans. In this episode of Horizon Advisers Unleashed, Ryan and Andrew tackle the big question facing new grads—“I’ve got debt… now what?”
Whether you’re just entering the workforce or navigating repayment options, this episode breaks down the key financial moves that can help you build momentum—not stress. From choosing repayment plans to building credit and avoiding lifestyle creep, this is your blueprint for taking control of your money post-college.
In this episode of Horizon Advisers Unleashed, Alex Dinser sits down with his friend and business partner Michael Messer for a candid and insightful conversation about what it really takes to grow a successful business in the financial services world.
Michael shares his journey from advisor to OSJ (Office of Supervisory Jurisdiction), detailing the lessons learned along the way and how his leadership role has evolved. Together, they explore the challenges of scaling a business, supporting other advisors, maintaining compliance, and fostering a culture of trust and growth.
Whether you're an advisor looking to grow your practice or a business owner focused on leadership and structure, this episode is packed with real-world experience and practical wisdom.
🎙️ Tune in to hear:
- What an OSJ does and why the role matters
- How to build strong advisor relationships
- The systems and mindset needed to scale
- Why integrity and consistency are non-negotiables in long-term growth
This is a must-listen for anyone serious about sustainable business growth in the financial world.
In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down the emotional and financial factors that come into play when deciding to take the leap into entrepreneurship.
They’ll share personal experiences, client stories, and the key financial questions you need to answer before handing in your notice. Whether you’re dreaming of launching your own firm, starting a passion project, or just want to know if you’re financially ready, this episode is for you.
Striking the right balance between your career and personal life can feel like chasing a myth—especially in today’s always-on culture. In this episode, Alex and Andrew dive into what work-life balance really means, why it's so different for everyone, and how they personally try to make it work. From managing client demands and growing a business to being present with family and finding time to recharge, they share real stories, helpful strategies, and a few honest struggles.
Whether you're an entrepreneur, a busy parent, or just trying to keep your calendar from taking over your life, this episode will leave you with some practical takeaways—and maybe a little inspiration—to help you define and protect your own version of balance.
When it comes to financial advice, not everything you hear is worth following — and some of it can even set you back.
In this episode of Horizon Advisers Unleashed, Andrew and Ryan dive into what makes financial advice truly dangerous and why common money myths continue to mislead people. From "real estate is always a guaranteed investment" to "you’ll be in a lower tax bracket in retirement," they unpack the misconceptions that can quietly derail your financial plan.
You'll hear:
- How to recognize advice that isn’t personalized to your goals
- Why outdated "rules of thumb" can be risky
- What questions you should ask before acting on financial tips
At Horizon Advisers, we believe smart planning starts with asking the right questions — and knowing when to dig deeper. Join us as we help you separate fact from fiction and make smarter financial decisions.
In this episode, Ryan and Scott break down the fundamentals of credit—what it is, how it works, and why it matters. They start by clearing up the confusion between credit vs. debit, then dive into how credit cards function, interest rates, and the mechanics behind building a credit score.
Whether you’re just getting started or want to sharpen your understanding, this conversation covers:
✅ What is credit, really?
✅ How credit cards differ from debit cards
✅ What makes up your credit score
✅ Why your credit history plays a key role in long-term financial success
✅ Smart habits to build and maintain strong credit
From buying a house to getting the best insurance rates, credit touches more of your financial life than you might think. Tune in and take control of your credit future.
Rory McIlroy’s journey to winning The Masters was filled with ups, downs, and near-misses — and in this episode, Ryan and Andrew draw the powerful parallels between championship golf and successful investing.
From steady starts to mid-game stumbles and final-round comebacks, the guys explore:
⛳ How emotional control can be your biggest asset
📈 Why sticking to your strategy matters — even when things go sideways
🏌️♂️ What it means to play the long game with your money
💼 And how investors (like golfers) often win by not giving up
Whether you're managing a portfolio or reading a putt on 13, this episode will help you stay focused on what really matters: the big picture.
In this episode of Horizon Advisers Unleashed, host Alex Dinser welcomes back Sandy Mall, founder and senior partner of Mall Malisow & Cooney, PC, to break down the SECURE Act and its impact on retirement and estate planning. This landmark legislation has changed the rules for inherited IRAs, required minimum distributions (RMDs), and tax strategies—and understanding these changes is crucial for protecting your financial future.
Join us as we unpack the SECURE Act’s key provisions, discuss who is most affected, and explore strategies to maximize retirement savings while minimizing tax burdens. Whether you're planning your own retirement or managing an estate, this episode delivers must-know insights to keep you ahead of the curve.
🔹 How does the SECURE Act impact inherited IRAs?
🔹 What are the new RMD rules—and how do they affect you?
🔹 Tax-saving strategies to optimize your retirement and estate plan
🔹 Why proactive planning is more important than ever
Don’t miss this expert discussion on how the SECURE Act is reshaping retirement planning and what you can do now to secure your legacy and financial well-being!
In this episode of Horizon Advisers Unleashed, host Alex Dinser sits down with nationally recognized estate planning and elder law expert, Sandy Mall, to unravel the complexities of probate, estate administration, and elder care law. As the founder and senior partner of Mall Malisow & Cooney, PC, Sandy brings decades of experience guiding families through the legal landscape of estate planning, Medicaid/Medicare benefits, special needs trusts, and more.
Tune in as we demystify the probate process, uncover common pitfalls, and share proactive strategies to help you protect your assets, ensure your wishes are honored, and avoid unnecessary legal headaches. Whether you're planning for yourself or helping a loved one navigate estate matters, this episode is packed with expert insights and practical advice you won’t want to miss!
🔹 What exactly is probate, and why does it matter?
🔹 How can you simplify or avoid the probate process altogether?
🔹 Key estate planning moves to safeguard your family’s future
🔹 Common mistakes that lead to costly legal battles—and how to prevent them
Don’t miss this deep dive into probate law and estate planning essentials with one of the nation’s leading elder law attorneys!
Join Ryan Kus and Andrew Hinrichs as they break down the essential first steps to creating a budget that actually works. Whether you're just starting out or looking to fine-tune your finances, they’ll walk you through key strategies like tracking expenses, setting realistic goals, and avoiding common budgeting mistakes. Learn how to take control of your money and build a financial plan that aligns with your lifestyle. Tune in and start making your money work for you!
In this episode of Horizon Advisers Unleashed, Alex Dinser and Andrew Hinrichs dive into a critical question many taxpayers face: When is it time to stop doing your own taxes and hire a CPA? They break down key signs that indicate you might need professional tax help, from increasing income and complex investments to running a business or dealing with major life changes.
Alex and Andrew also explore how a CPA can help optimize deductions, navigate tax law changes, and provide strategic tax planning beyond just filing a return. Whether you’re a W-2 employee, a business owner, or someone juggling multiple income streams, this episode will help you decide if it’s time to level up your tax strategy.
Tune in for practical insights and expert advice to make sure you’re maximizing your financial potential!
Money Red Flags in a Partner: What to Watch For!
When it comes to relationships, love might be blind—but your wallet shouldn’t be! On this episode of Horizon Adviser Unleashed, Ryan and Andrew dive into the biggest money red flags you should watch for in a potential partner. From secret debts and reckless spending to mismatched financial values, we’re breaking down the warning signs that could impact your future wealth and well-being.
Is your partner financially responsible, or are they waving red flags you can’t afford to ignore?
You’ve just welcomed a new baby—congrats! 🎉 But now, amidst the diapers and sleepless nights, you’re probably wondering: How do I set my child up for a strong financial future? In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs break down the best accounts to open for your little one, from 529 college savings plans to custodial investment accounts and even Roth IRAs (yes, really!). Learn how to make the smartest money moves today so your child is financially secure tomorrow. Tune in now and give your kid the ultimate head start!
In this episode of Horizon Adviser Unleashed, hosts Ryan Kus and Andrew Hinrichs tackle a common financial concern—what to do if you’re in your 50s and feel behind on your retirement savings. Should you take on more risk to catch up? Or is there a smarter, more strategic approach? Ryan and Andrew break down key considerations, including risk tolerance, investment time horizons, tax-efficient strategies, and alternative ways to boost your retirement savings without making reckless decisions. If you’re feeling the pressure of time, this episode is packed with insights to help you make confident financial moves. Tune in now!
In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs dive into the world of side hustles—are they a smart financial move or just another source of burnout? They break down the pros and cons, discuss when a side hustle makes sense, and share the best ways to turn extra income into long-term wealth.
🔹 When does a side hustle help (or hurt) your financial plan?
🔹 How to choose a side hustle that fits your goals and lifestyle
🔹 Common mistakes people make when chasing extra income
🔹 Best side hustles for those looking to retire early, build wealth, or pay off debt faster
Whether you’re thinking about freelancing, real estate, or content creation, this episode will help you decide if a side hustle is right for you. Tune in for expert insights and actionable tips! 🎙️💡
In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs break down the Coast FIRE strategy—a financial independence approach that lets you save aggressively early, then "coast" to retirement without needing to contribute more. They discuss how to calculate your Coast FIRE number, the power of compound growth, and why this strategy offers flexibility, career freedom, and peace of mind. Whether you're in your 20s looking to set yourself up for success or in your 30s wondering if you’ve already hit Coast FIRE, this episode is packed with actionable insights to help you build a stress-free path to financial independence.
🔹 How much do you need to save to hit Coast FIRE?
🔹 Is Coast FIRE right for you?
🔹 Common mistakes and how to avoid them
Tune in to learn how to work less, save smarter, and let your money do the heavy lifting!
In this insightful two-part series of the Horizon Advisers Unleashed Podcast, Ryan Kus and Alex Dinser dive deep into the emotional side of money management. They explore how emotions influence financial decisions, the psychology behind spending and saving, and strategies to stay rational in times of financial stress.
Part 2 takes a deeper dive into overcoming common emotional pitfalls, such as fear of market volatility or guilt around spending. Ryan and Alex provide actionable advice on how to align your financial decisions with long-term goals while maintaining emotional balance
In this insightful two-part series of the Horizon Advisers Unleashed Podcast, Ryan Kus and Alex Dinser dive deep into the emotional side of money management. They explore how emotions influence financial decisions, the psychology behind spending and saving, and strategies to stay rational in times of financial stress.
In Part 1, they focus on identifying emotional triggers and their impact on everyday financial choices, offering practical tips to gain clarity and control.
Whether you're navigating investment decisions, budgeting, or retirement planning, this series will help you better understand the role emotions play in your financial life—and how to keep them in check. Don't miss this valuable conversation!
In this episode of Horizon Adviser Unleashed, Ryan Kus and Andrew Hinrichs tackle a question they hear all the time: "Should I buy or lease my next car?" They break down the pros and cons of both options, discuss how your financial goals and lifestyle can influence the decision, and share real-world examples to help you make the best choice. Whether you’re looking for a new car for the family, a sleek ride for your commute, or simply trying to stay on budget, this episode will provide valuable insights to steer you in the right direction. Don’t miss it!
In this episode of Horizon Advisers Unleashed, Ryan Kus, Alex Dinser, and Andrew Hinrichs explore one of the most significant financial shifts of our time: The Great Wealth Transfer. With an estimated $84 trillion expected to change hands over the next two decades, this monumental event will reshape generational wealth dynamics across the United States.
Tune in as the hosts break down:
- What Gen X Can Expect: As the first beneficiaries of this transfer, how prepared is this generation to manage inheritances? What role do estate taxes, investment strategies, and financial advisors play in maximizing their newfound assets?
- Millennials in the Middle: With many entering their peak earning years, Millennials face unique challenges balancing personal financial growth with potential inheritances. How can they use this wealth to pay down debts, invest, or plan for their own families?
- Gen Z's Future Windfall: For the youngest generation, this transfer represents long-term potential. What financial literacy skills and strategies should they adopt now to responsibly manage this wealth in the future?
The team also discusses practical steps for all generations to ensure this wealth is preserved, grown, and used effectively, including tips on estate planning, trust structures, and navigating family dynamics.
Whether you’re set to receive an inheritance or planning to pass wealth to the next generation, this episode is packed with insights to help you stay ahead.
🎧 Listen now and prepare for the financial opportunity of a lifetime!
In this episode of Horizon Adviser Unleashed, hosts Ryan Kus and Andrew Hinrichs break down everything you need to know about Social Security. From understanding when to claim benefits, how spousal benefits work, and strategies for maximizing your payouts, this cheat sheet is a must-listen for anyone planning for retirement. Whether you're nearing retirement or just starting to think about it, Ryan and Andrew simplify the complexities of Social Security to help you make informed decisions. Tune in for expert insights, actionable advice, and answers to your top Social Security questions!
Visit horizonadviser.com for more resources and connect with us to stay on top of your financial planning journey.
In this episode of Horizon Adviser Unleashed, hosts Ryan Kus and Andrew Hinrichs discuss the critical first steps of wealth-building: setting aggressive financial goals. Drawing from years of experience in financial planning and investment management, they explore how ambitious goals—grounded in realistic strategies—can transform your financial future.
Ryan and Andrew share actionable insights on defining what financial success looks like for you, breaking down the steps to create a plan that aligns with your goals, and staying disciplined in the face of challenges. They also discuss the importance of mindset, accountability, and leveraging expert advice to turn big dreams into achievable milestones.
Whether you're looking to save for retirement, fund a dream home, or build generational wealth, this episode offers practical tools and inspiration to kickstart your journey.
Tune in and learn why thinking big today can lead to financial freedom tomorrow!
In this episode of Horizon Adviser Unleashed, Alex Dinser interviews Dr. Zachary Hall, radiology resident and author of The Family Friendly Guide to Becoming a Doctor. Dr. Hall shares his journey from Troy, Michigan, to becoming a medical professional, including insights from his book, which provides a comprehensive roadmap for aspiring doctors. They discuss his passion for education, his time in Teach for America, and how he navigated the challenging yet rewarding path to medicine. Tune in for valuable advice and inspiring stories that showcase his commitment to helping future doctors achieve their dreams.
Book Link:
The Family Friendly Guide to Becoming a Doctor
In this episode of Horizon Advisers Unleashed, Andrew and Ryan dive into one of the most common questions for savvy savers: What’s next after I’ve hit the limit on my 401(k)? They explore exciting strategies to help you keep building wealth, including tax-advantaged options, the role of Roth IRAs, and creative ways to leverage brokerage accounts.
Discover how to prioritize your financial goals, grow your investments, and avoid costly mistakes when your 401(k) contributions are maxed out. If you're ready to take your savings to the next level, this is an episode you can’t afford to miss!
In this episode of Horizon Advisers Unleashed, Andrew Hinrichs sits down with Wesley J. Mathews, a seasoned entrepreneur and the co-founder of Stealth Consulting. Wesley shares his journey from co-founding and leading High Level Marketing to a successful exit in 2021 and his mission to tackle sales and marketing challenges through his Fractional CMO company.
Tune in as Wesley discusses the highs and lows of entrepreneurship, insights from his experience growing and selling a company, and how Stealth Consulting delivers strategic marketing leadership and execution for businesses. This episode is packed with real-world advice, valuable marketing strategies, and lessons learned from years at the helm of entrepreneurial ventures. Perfect for business owners, marketers, and anyone navigating the world of entrepreneurship!
Join hosts Ryan and Scott in this episode of the Horizon Advisers Unleashed Podcast as they break down nine essential money moves to jumpstart your financial future in your 20s. Whether you’re just beginning your career, paying down student loans, or thinking about investing, Ryan and Scott provide practical strategies for building a solid financial foundation. From budgeting basics to retirement planning, this episode will equip you with the knowledge to make the most of this formative decade. Don't miss out on the insights that can set you on the path to financial success!
On this episode of the Horizon Advisers Unleashed Podcast, Ryan and Alex have a conversation about double-checking your estate plan. They explore why it’s essential to ensure that all assets are titled properly, that beneficiary information is up to date, and, for business owners, that assignments and operating agreements are in place. Join them as they share practical insights to help you safeguard your legacy and avoid potential legal and financial complications down the road. Whether you're an individual or a business owner, this episode offers key tips for peace of mind and financial security.
Join Andrew and Ryan in this episode of the Horizon Advisers Unleashed podcast as they dive into crucial steps to consider for your financial plan before the year wraps up. From tax-saving strategies to retirement contributions, they cover it all. Learn the impact of accelerating charitable contributions, timing deductions, or taking advantage of tax-loss harvesting to offset gains. Discover how to maximize contributions to retirement accounts and consider Roth conversions before the year's end. With real-world examples and actionable insights, Andrew and Ryan make it easy to close out the year with confidence and make the most of your financial strategy.
In this eye-opening episode of Horizon Advisers Unleashed, Andrew and Ryan tackle a critical question: Are you financially prepared if your paycheck suddenly stopped? With the rising cost of living and economic uncertainty, more people are finding themselves living paycheck to paycheck, often with little to no financial buffer. Andrew and Ryan discuss strategies to build an emergency fund, evaluate spending habits, and prioritize financial goals. They'll also cover key steps to protect your income, manage debt, and create a safety net if you ever face a job loss. Tune in for practical advice on building financial resilience so you can live with peace of mind—no matter what life throws your way.
In this episode of Horizon Adviser Unleashed, Andrew and Ryan tackle a question many parents face: should you cut your kids off financially? As financial planners, they explore the pros and cons of continuing to support adult children, the impact it can have on your retirement goals, and how to set healthy financial boundaries. From discussing financial independence to strategies for gradually stepping back, Andrew and Ryan provide thoughtful advice to help you balance family support with your own financial security. Tune in to learn how to make the tough decisions that are right for both you and your kids.
On the Horizon Advisers Unleashed Podcast, Ryan and Alex discuss the topic of charitable giving, focusing on strategies to maximize tax benefits. They explore methods like using donor-advised funds, donating appreciated stock, and making qualified charitable distributions (QCD) to help listeners optimize their charitable contributions.
Ryan and Alex also emphasize the importance of timing charitable giving on their podcast. They discuss strategies like lumping donations in certain years, particularly when selling a business or receiving a large bonus, to maximize tax benefits.
Join Andrew and Ryan, hosts of the Horizon Adviser Unleashed podcast, as they dive deep into the world of after-tax investments. In this episode, they break down the different types of taxes that can impact your after-tax portfolio, helping you better understand how to maximize returns and minimize surprises come tax season. Whether you're a seasoned investor or just getting started, Andrew and Ryan will guide you through strategies to optimize your investments and keep more of what you earn. Tune in for practical tips, expert insights, and actionable advice from two financial pros who know how to make your money work smarter!
In this episode of Horizon Adviser Unleashed, Alex interviews Tom Barrett, Managing Director at Hartford Funds, as they explore groundbreaking insights from Dr. Marc Milstein's study titled "Retain Your Brain." Together, they dive into the latest research on cognitive health, offering valuable strategies to maintain and strengthen brain function as we age. Whether you're interested in optimizing mental agility or want to stay sharp for the future, this conversation provides practical advice rooted in science. Tune in for an enlightening discussion on how to take charge of your brain health!
In this episode of Horizon Adviser Unleashed, Ryan and Andrew cover what to do when your financial plan just isn’t delivering the results you hoped for. They discuss how to set realistic goals, the importance of understanding your cash flow, and the role a financial planner can play in getting you back on track. Whether you need to adjust your plan or take action behind it, they’ll offer practical advice to help you make the necessary changes. Tune in for insights and strategies to revitalize your financial future!
In this special Labor Day weekend episode of the Horizon Advisers Unleashed Podcast, hosts Ryan and Andrew dive into their personal holiday experiences, sharing stories that are sure to inspire your next getaway. Ryan took a refreshing trip up north with his family, where they enjoyed the stunning beaches and celebrated his wedding anniversary at the renowned Mawby winery in the picturesque Leelanau Peninsula. He also dined at the Chef's House in Traverse City, indulging in local culinary delights.
Meanwhile, Andrew spent the weekend at his farm in Coldwater, embracing the peaceful rural life. He also attended an exciting car auction hosted by Worldwide Auctioneers, where vintage and luxury cars took center stage. Tune in for an episode filled with travel tips, personal stories, and plenty of lifestyle inspiration!
The Horizon Advisers Unleashed podcast, hosted by Ryan and Andrew, delves into crucial financial topics with practical advice. In this episode, they focus on navigating a stock market sell-off. Ryan and Andrew break down strategies to protect your investments, discuss whether to sell, hold, or buy, and explore the psychology behind market reactions. With their expert insights, listeners gain a clear understanding of how to stay calm and make informed decisions during turbulent times in the stock market. Perfect for investors looking to enhance their financial resilience.
The Nikkei 225 Index is a price-weighted index composed of Japan's top 225 blue-chip companies traded on the Tokyo Stock Exchange.
Continuing the conversation, Andrew and Ryan debunk some common myths about politically focused investment strategies. They discuss how the U.S. economy remains stable even under single-party rule, and they challenge the idea that either party has a strong claim to fiscal responsibility. The hosts remind listeners that markets don’t care who’s in the Oval Office and that ingenuity and investment opportunities persist regardless of political leadership.
Throughout both episodes, the hosts provide a balanced perspective, urging investors to focus on long-term strategies rather than short-term political noise.
Stay tuned to the Horizon Adviser Unleashed website for a detailed presentation with all source information referenced in the discussion.
In this two-part episode of the Horizon Adviser Unleashed Podcast, hosts Ryan and Andrew dive into the intriguing topic, "People Care About Elections. Markets Don’t." With insights from a presentation by Brian Levitt, Global Market Strategist at Invesco, they explore how markets respond (or don't) to the political landscape.
Andrew kicks things off by discussing the historical context of market performance, explaining why the challenges we face today aren't new. Ryan follows with an analysis of how markets have thrived under various administrations, highlighting that GDP growth often reflects the overall health of the economy, regardless of which party is in power. The hosts examine data across 13 presidencies, revealing that only two stand out as outliers. They delve into the significance of being a "bipartisan" investor and question the notion of the "most important election of our lives" when it comes to market impact.
Join Ryan and Andrew on this episode of Horizon Advisers Unleashed, where they dive into the crucial role of team building in a thriving business. Fresh off a recent team retreat, they share insights and experiences that highlight the transformative power of fostering strong connections within a team. Whether you're a seasoned leader or just starting out, this episode offers valuable takeaways on how to cultivate a cohesive and motivated team. Tune in to hear stories, strategies, and practical tips that can help elevate your business to new heights through effective team building.
Join Ryan and Andrew on the Horizon Adviser Unleashed Podcast as they dive into the crucial topic of estate planning. In this episode, they review an insightful article from Kiplinger, "8 Common Estate Planning Mistakes." Tune in to learn about the pitfalls to avoid when planning your estate and ensure your legacy is protected. Whether you're just starting to think about estate planning or looking to update your current plan, this episode is packed with valuable information and practical tips. Don't miss it!
https://www.kiplinger.com/retirement/estate-planning/common-estate-planning-mistakes
In this episode of the Horizon Adviser Unleashed Podcast, hosts Ryan and Andrew delve into an insightful article from the Wall Street Journal titled "Americans Chasing High Interest Rates Risk Falling Into Cash Trap" by Vicky Huang. They discuss the potential pitfalls and financial risks Americans face while seeking high-interest rates for their savings. Ryan and Andrew analyze the key points from the article, offering their expert opinions and practical advice on managing savings and investments in today's economic climate. Tune in to gain a deeper understanding of the financial landscape and learn strategies to avoid the common traps of chasing high interest rates. Don't miss this informative and engaging discussion!
In this exciting episode of the Horizon Adviser Unleashed Podcast, hosts Ryan and Andrew dive into their recent adventures in Italy. Join them as they explore the rich culture, stunning landscapes, and culinary delights of this beautiful country. From the historic streets of Rome to the picturesque coastlines of the Amalfi Coast, Ryan and Andrew share their personal experiences, travel tips, and favorite moments. Whether you're planning your own Italian getaway or just love hearing about travel adventures, this episode is packed with insights and inspiration for all travel enthusiasts. Tune in and journey through Italy with Ryan and Andrew!
Are you struggling with debt and unsure if you should start investing? In this episode of Horizon Adviser Unleashed, hosts Ryan and Alex tackle this common dilemma head-on. They explore why paying down debt should be your top priority and provide practical strategies to help you become debt-free before diving into the world of investing.
In this episode, we dive into a lifestyle segment where we share some of our favorite things to do in Northern Michigan. From exploring scenic trails and hidden beaches to indulging in local cuisine and visiting charming towns, we’ll take you on a journey through the best that Northern MI has to offer. Whether you’re a local looking for new adventures or a visitor planning your next trip, this episode is packed with tips and insights to make the most of your time in this beautiful region.
Andrew and Ryan provide valuable insights and strategies for protecting investments during inflationary periods, offering practical advice on managing risk and maximizing returns. From understanding the impact of inflation on various asset classes to expert analysis of market predictions and economic policies, this podcast equips listeners with the knowledge and tools they need to thrive in uncertain times.
Ryan and Andrew on "Horizon Advisers Unleashed" podcast as they dive deep into the insightful book "The Psychology of Money" by Morgan Housel. In this special book review episode, Ryan and Andrew unpack the key principles and thought-provoking concepts from Housel's exploration of the complex relationship between psychology and finance. Through engaging discussions and real-world examples, they illuminate the behavioral biases that influence financial decisions and share practical strategies for cultivating a healthy mindset towards money. Whether you're a seasoned investor or just beginning your financial journey, this podcast provides valuable insights and actionable advice to help you navigate the intricacies of personal finance with confidence.
Some people who “make it” or win the lottery end up going bankrupt. What causes this to happen? Many believe it has to do with the people you surround yourself with. Andrew and Ryan discuss these theories while relating it to certain celebrity financial stories.
https://stocks.apple.com/AaewKgjyMRr-0xRHEXEAFoA
Andrew and Alex speak on the recent investments by billionaires into Detroit and how it is positively effecting the city.
Welcome to the Horizon Advisers Unleashed Podcast, where hosts
Ryan Kus and Andrew Hinrichs provide essential insights for business owners and
HR professionals on their options for retirement plans. There are various
retirement plan options available to companies, including SEP IRAs, SIMPLE
IRAs, 401(k)s, and defined contribution plans. Understanding the unique limits,
costs, and benefits of each plan is crucial as your company grows.
Tune in to learn how to select the best retirement plan to meet
your organization’s needs and ensure a secure future for your employees.
Whether you're managing a small business or overseeing a large enterprise,
Horizon Advisers Unleashed is your go-to resource for expert advice on
navigating the complexities of retirement planning.
Ryan and Alex, seasoned financial advisors with a passion for education, delve into the fundamental principles of financial literacy and explore innovative strategies for instilling these values in the younger generation. From budgeting basics to understanding the power of saving and investing, they cover it all with clarity, enthusiasm, and a touch of humor.
Whether you're a parent seeking practical guidance on raising financially savvy kids or an educator looking for effective teaching methods, Horizon Advisers Unleashed is your go-to resource. Tune in for engaging discussions, expert interviews, and actionable tips that will empower you to equip the next generation with the tools they need to navigate the complex world of money confidently.
Join hosts Andrew and Ryan on the "Horizon Adviser
Unleashed" podcast as they dive into the intricacies of achieving
financial success through teamwork with your spouse. In this episode, Andrew
and Ryan, seasoned financial advisors, unlock the secrets to harnessing the
power of collaboration within marriage to build a stable financial future.
Discover practical strategies and actionable insights as Andrew
and Ryan explore the dynamics of working as a team with your partner to
navigate financial challenges, set goals, and achieve prosperity. From
effective communication techniques to joint decision-making processes, this
episode offers invaluable advice for couples seeking to align their financial
visions and maximize their resources.
Tune in to "Horizon Adviser Unleashed" and learn how
to leverage the strength of your relationship to conquer financial obstacles
and thrive together on the path to financial freedom. Whether you're a newlywed
couple or seasoned partners, this episode is packed with wisdom to help you
unlock your full financial potential as a team
Andrew and Alex discuss both the financial and emotional sides of planning a wedding. Getting married is an exciting time in your life, but it is also expensive! The guys share some advice for going through the wedding process based on their own experiences.
Join hosts Ryan and Andrew as they dive into the ultimate golf pilgrimage, recounting their unforgettable journey to the iconic Masters Tournament in Augusta. From the lush green fairways to the electric atmosphere, they share their firsthand experiences, insider tips, and memorable encounters. Whether you're a die-hard golf fan or just curious about the allure of this prestigious event, tune in for a captivating conversation filled with passion, camaraderie, and the magic of Augusta.
https://www.augusta.com/masters/photos/25-fun-facts-about-masters#myCarousel
Join Ryan and Andrew on the latest episode of "Horizon
Advisers Unleashed" as they delve into the pivotal topic of retirement
savings. In this episode, they dissect an article, offering listeners a
straightforward method to gauge their retirement readiness at pivotal ages: 30,
40, and 50.
At Horizon Advisers, we champion the importance of crafting a
comprehensive financial plan tailored to your unique lifestyle aspirations.
After all, happiness is deeply personal, and your financial strategy should
reflect that. However, for those seeking a quick assessment of their financial
trajectory, this episode serves as a valuable checkpoint.
Tune in to discover the ideal savings benchmarks based on
income, shedding light on what it takes to achieve financial security in
retirement. Moreover, Ryan and Andrew delve into the crucial considerations
individuals should prioritize during each decade of their lives, offering
invaluable insights to empower listeners on their financial journey. Whether
you're just starting out or fine-tuning your retirement strategy, this episode
equips you with the knowledge needed to navigate your financial future with
confidence.
https://www.bankrate.com/retirement/how-much-do-you-need-in-savings-retirement-emergency-fund/
Ryan and Alex discuss some of the project’s HA has been working on when it comes to education. We have invested in a studio in our Plymouth office. Here we will be producing a variety of video content that will be accessible on our YouTube channel. This will be short content available on a broad range of financial subjects. We have also started to record video for our podcasts to give another option. Later this year we will also begin to do webinars on a variety of topics. These will be live and have a Q/A. Horizon Advisers believes in financial education and want to continue to take strides to make it educational and fun!
Ryan and Andrew discuss the importance of being in control of your finances. In a world where financial uncertainty is rampant, it's crucial to seize control of your finances. Whether you're drowning in debt, struggling to save, or simply seeking to optimize your
financial health, this podcast is tailored to your needs.
Alex and Ryan review some practical insights from Marc Milstein, PHD. Dr. Marc Milstein is a leading scientific researcher on neuroscience, health, and happiness. His insights provide science-based solutions to keep the brain healthy, lower the risk of dementia, boost productivity and maximize longevity. He earned both his Ph.D. in Biological Chemistry and his Bachelor of Science in Molecular, Cellular, and Developmental Biology from UCLA. Dr. Milstein’s new book “The Age-Proof Brain” has been a #1 best seller on Amazon in several categories, including, Aging, Longevity, and Neuroscience.
It is important to keep our mind and body strong especially as we age. They review top 10 points.
https://www.hartfordfunds.com/insights/investor-insight/client-seminars/retain-your-brain/10-brain-tips-to-help-keep-your-brain-healthy-as-you-age.html
Welcome to the Horizon Advisers Unleashed podcast with Ryan and
Andrew! In this episode, we're taking you on a virtual journey to the
captivating island of Jamaica. From its stunning landscapes to its vibrant
culture, Jamaica has something for every traveler.
Join us as we share our experiences exploring this Caribbean
gem, discussing everything from the bustling capital of Kingston to the
tranquil shores of its world-renowned resorts. We'll dive into the heart of
Jamaica, exploring its rich history, diverse cuisine, and warm hospitality.
Discover why Jamaica is a top destination for travelers seeking
sunshine, adventure, and relaxation. With its average temperature in the
mid-80s and sunny skies year-round, it's no wonder why visitors flock to this
island paradise.
During our conversation, we'll highlight two must-visit resorts
that showcase the best of Jamaican hospitality and luxury. Whether you're
craving a serene beach getaway or an adrenaline-pumping adventure, these
resorts offer something for everyone.
But our journey doesn't stop there! Tune in to learn some
fascinating facts about Jamaica, from its towering mountain ranges to its
vibrant wildlife. Did you know that Jamaica is home to one of the largest
butterflies in the world? Or that Ian Fleming penned his famous James Bond
novels on this very island?
So, grab your headphones and join us as we explore the wonders
of Jamaica. Whether you're a seasoned traveler or planning your first Caribbean
adventure, this episode will inspire you to pack your bags and experience the
beauty of Jamaica for yourself. Don't miss out on the chance to immerse
yourself in the culture, cuisine, and charm of this enchanting island nation.
Andrew interviews their friend Liz Casselman. Liz is a Real estate attorney and partner at her family's law firm Halabu, P.C. She is also owner and Chief Operating Officer of Birmingham Title Agency and American Title Agency of Lenawee. She Earned her designation as a Certified Land Title Professional through the Michigan Land Title Association in 2023. Liz is also a licensed title producer agent in Michigan, Illinois, and Ohio.
In addition to her work as a title agent, she founded Birmingham Exchange Company, a qualified intermediary facilitating 1031 exchanges all over the country, earning her designation as a Certified Exchange Specialist through the Federation of Exchange Accommodators. Lastly, Liz is also the Vice President of Gandol Inc., a construction and commercial door company.
In 2023, she published her first book, “Not Just a Title: A Journey of Growth in the Title Industry
Welcome to Horizon Advisers Unleashed, where we explore the intersection of mental and physical health to empower your lifestyle. Join us as we delve into practical strategies and expert insights to cultivate holistic well-being. From mindfulness practices to fitness routines, we uncover the secrets to maintaining optimal health in today's fast-paced world. Tune in to unlock the keys to a balanced life on Horizon Advisers Unleashed.
Ryan interviews a good friend, Terry Conway, from National Home Lending. Terry is an expert in mortgages and has been in the business for decades. He shares some insight into where things have been in the current environment. They discuss the different types of mortgages and how to best prepare to get one. There is a lot involved in buying a house and working with a team may help you eliminate common mistakes.
Andrew and Ryan discuss some of the important items to consider as you plan for international travel.Prepare for Your International Trip with These Financial Tips (cnbc.com)
Ryan and Andrew discuss an article found on CNN Business. “So make just one financial New Year’s resolution for 2024: Figure out what financial well-being means for you. It will be a highly personal endeavor. Then pick one or two steps to improve it.”
Ryan and Alex discuss an article found in USA Today. They review the article touching on key findings: America’s financial goals, how Americans feel about the economy, and how Americans feel about their financial health. Listen in to take their take on these topics.
https://www.usatoday.com/money/blueprint/banking/financial-new-years-resolutions-2024/
Ryan and Andrew discuss the importance of not being complacent with money issues. Being complacent in any part of life will set you up for failure. Using excuses like “I didn’t know,” can cost you a lot in life. You must have an understanding on what is going on in your financial situation and take control. Ignoring money issues can create bad habits…and as we all know…habits are hard to change.
Andrew and Alex discuss the potential greatest wealth transfer in history and what implications it could have on our economy.
https://www.thedailyupside.com/economics/personal-finance/the-largest-wealth-transfer-in-history-has-begun/
Ryan and Alex ask the question are you saving the right way? With so many ways to save which ones are best for different goals. They discuss the different kinds of accounts available, pro's and con's, and tax benefits of those accounts.
Ryan and Alex discuss leaving a second home as part of a legacy. Many people are emotionally tied to a property. Many wish to leave them behind for their kids or grandchildren. If you have thought about this before, you should listen and learn what you should think about when leaving real-estate to family. If you want a house to stay with your family beyond you, there is a lot of work and money in homeownership.
Andrew and Alex are joined by guest Tim Scaturro, who is a CFP® and registered representative of Cetera Advisor Networks. Tim is a business owner and Colorado native who has incredible insights and experiences to share about where he comes from.
Andrew and Alex discuss debt at a high level before diving into how it can be used for good and for bad. Debt is a highly debated topic that has advantages and disadvantages. How do you manage your debt?
Andrew and Ryan discuss the link between money and mental health. How does your financial situation effect your emotional state?
Americans are so worried about money, it's hurting mental health (nbcnews.com)
Ryan and Andrew discuss rental units. Many people approach them and ask if they're a good investment. They talk about the pro’s and con’s along with what to consider before starting the process. Rentals can require a lot of time and effort along with your money. They also talk about some of the risks involved.
Ryan and Andrew love to discuss change. With the new year coming up, many people start looking into 2024, saying “what do I want that is different?” It may be a new car or house. It may be getting a new job or even retiring. Finding a better overall sense of happiness. Trying new things or hobbies. Look ahead and see a few things you could work on and start taking baby steps in the right direction.
Ryan and Alex discuss the overall market. What is the S&P 500 and how does it work. Can you compare a diversified portfolio to the S&P? What is a large cap, mid cap, and small cap stock? They also discuss current events and how they may impact you looking forward.
Ryan and Andrew have a conversation about what to be thinking about going into the end of the year. The year is flying by, and it is a good time to pause and make sure you are going to hit your goals for the year. Whether they were personal goals or financial goals you still have time to impact them. They discuss a list of items you may want to look at.
Andrew and Ryan discuss some options you might want to take advantage of if you are sitting on “extra” cash. Cash is one of those things that make people feel comfortable. In recent months, there have been opportunities to earn better interest than years prior. Listen in to some of these examples. A financial plan can also help determine what the right amount of cash is.
Ryan and Andrew discuss a common problem we see. Many people can’t break out of living paycheck to paycheck. The minute you think you break it a big, unexpected bill comes on. They discuss how to look at your situation and create a plan to break this cycle. One important step is self-awareness. Then it is the desire to take action.
Andrew and Ryan discuss 7 Happy Habits that retirees should strive for, according to Kiplinger.
https://www.kiplinger.com/retirement/happy-retirement/601160/7-surprisingly-valuable-assets-for-a-happy-retirement
Andrew and Ryan discuss the proposed 2024 economic budget and tax changes issued by the Biden administration.
https://www.whitehouse.gov/omb/briefing-room/2023/03/09/fact-sheet-the-presidents-budget-for-fiscal-year-2024/#:~:text=The%20Budget%20repeals%20the%20Trump,more%20than%20%24450%2C000%20per%20year.
https://taxfoundation.org/research/all/federal/biden-budget-tax-proposals-analysis/
https://www.cnbc.com/2023/03/09/president-bidens-proposed-2024-budget-calls-for-top-39point6percent-tax-rate.html
Ryan and Alex discuss the need to review insurance. Many people carry multiple types of insurance. Could be home, auto, health, life, umbrella, etc.…The cost of these coverages can add up and rarely stay flat in price over time. It is important to look at your coverages and determine if you are adequately insured and paying the best prices. Listen to understand the types of insurance they carry and how they look at them periodically.
Andrew and Ryan discuss some options you may want to take advantage of if you are sitting on “extra” cash. Cash is one of those things that make people feel comfortable. In recent months, there have been opportunities to earn better interest than years prior. Listen in to some of these examples. A financial plan can also help determine what the right amount of cash is.
Andrew and Ryan discuss a recent article about the upcoming changes with student loan debt. Over the last 3 years taking effect around covid, there has been a freeze on the need to make payments and no interest was being charged. This is changing coming up in September of ’23. If you have student loans this is the time to be proactive to make sure you are not caught by surprise. Also if you are a parent, back to school can come with some additional expenses you will want to prepare for.
https://www.cnbc.com/2023/08/13/56-percent-of-student-loan-borrowers-will-have-to-choose-loans-or-necessities.html
Andrew and Ryan discuss a recent article about the upcoming changes with student loan debt. Over the last 3 years taking effect around covid, there has been a freeze on the need to make payments and no interest was being charged. This is changing coming up in September of ’23. If you have student loans this is the time to be proactive to make sure you are not caught by surprise. Also if you are a parent, back to school can come with some additional expenses you will want to prepare for.
https://www.cnbc.com/2023/08/13/56-percent-of-student-loan-borrowers-will-have-to-choose-loans-or-necessities.html
The news is fighting for consumers’ attention more than ever. It is easy to be persuaded by “news headlines” that rattle your emotions and make you question your current investment philosophy. Alex and Andrew discuss the importance of remaining disciplined and following the plan you originally charted.
Ryan and Andrew discuss an article about recency bias and why it can cause bad investment decisions. What is recency bias? How to resist making some of these poor decisions.
https://www.cnbc.com/2023/07/21/recency-bias-what-it-is-and-why-it-causes-poor-investment-choices.html
Ryan and Andrew liked an article from CNBC that they discuss. They did this podcast from their mid summer lake retreat. They can’t believe we are more than half way done with the year and it is a great time to check in on your finances and goals!
Ryan and Alex host our first lakeside podcast. They discuss a great article found in Morningstar. Understanding cash flow and spending is important to feel confident in retirement. Many people don't know where to start with this so we discuss 7 steps that can be helpful
Alex and Ryan have a conversation about interest rates and the stock market. We have recently been in an extended Bear market in ’22. In ’23 the market has turned around a bit and we have entered a new Bull market. Having a long-term plan and sticking to it can pay nice dividends over time. They also mention a study from Charles Schwab that took a look at what amount of money do people feel and think they are wealthy. There are some other interested trends that were laid out in the study. Listen to learn more!
Andrew and Alex talk about why working with a team is crucial for success, both personally and professionally.
Andrew and Alex discuss some unique family dynamics that may cause estate planning to be difficult. There are many different types of techniques that can be used to solve these complex situations.
Andrew and Alex discuss how they are choosing to invest in people while living in a world focused on automation.
Andrew and Alex discuss artificial intelligence. What is it, how is it currently effecting society, and where are we headed?
https://www.ibm.com/topics/artificial-intelligence
https://www.morningbrew.com/daily?mbcid=31642653.223389&mid=b46cb2e6ade0052d3f6d40f4eb650dc0&utm_campaign=mb&utm_medium=newsletter&utm_source=header_signup
Ryan and Andrew discuss budgets. Understanding cash flow is important in life and can help create confidence. Listen in to better understand what a budget is and what might make sense for you.
Andrew and Alex discuss the education Horizon Advisers provides on long-term care and why it is important. Most Americans will need long-term care in some form during their lifetime, which is why understanding the risk and educating yourself on the subject is extremely valuable.
Ryan, Alex, and Andrew discuss the importance of diversification. Yes, having the proper asset allocation is important. It is also important to look at the types of accounts you are saving into. How will they be taxed in the future? Will you have access to your money when you want?
Ryan, Alex, and Andrew have a discussion on what net worth is and ways to increase it in different phases of life. Don't focus on any one singular aspect like rate of return to accomplish your goals. A well-rounded plan can help you stay on track.
Ryan and Andrew discuss how competition affects our lives and business. We believe competition is necessary. It can have positive affects for some people and negative for others. We believe in finding a balance and using competition in a healthy way.
Andrew and Alex discuss the current state of interest rates and how it is effecting consumer decision-making. There are a number of different financial items to analyze in a volatile interest rate environment. Understanding alternatives is extremely important in making a suitable decision.
Ryan and Andrew touch on the importance of hobbies and their recent trip to Jamaica. They talk about their trip and how much they love snorkeling. They describe their experience there. Different types of underwater landscape. What kind of creatures they saw. Lastly, they describe how to snorkel.
Andrew and Alex discuss fair and unfair expectations in investing, planning, relationships, work and life. How do expectations affect our decision making? Ensuring fair expectations are set before making important decisions is crucial in all aspects of life.
Ryan, Andrew, and guest Mike Czopek have a conversation about Medicare and how it works. Mike has been helping families with Medicare for well over a decade. He sheds light on how part A and B work. They discuss Medicare advantage and Medi Gap policies. If you are pre-retirement or about to enroll into Medicare this is something you should tune in for!
Ryan, Alex and Andrew have a conversation about health savings accounts. These accounts can have many benefits now and in the future for your health care needs. There are tax advantages to using these types of accounts. To be eligible for this type of account you must have a proper high deductible health insurance plan. Listen in to see if an HSA account would be right for you and the benefits it offers.
Ryan, Alex, and Andrew discuss the article they found in Fox News. There are studies that show only 38% of Americans have discussed their aging parents’ finances. This can be a complex topic depending on how the family communicates. We believe having these conversations up front before something happens can lead to a better result. It also allows the aging parent’s wishes to be adhered to. Listen in to see how and what you may want to talk about.
https://www.foxbusiness.com/lifestyle/thirty-eight-percent-americans-have-discussed-their-aging-parents-finances
Andrew and Ryan discuss hobbies and why they are important for your well-being. Do you have any hobbies? Independence is an important aspect of retirement. Hobbies occupy your time and provide a rewarding feeling of accomplishment, which may be able to fill the void that your job had in your life.
Ryan K., Andrew and Ryan H. discuss the IRS 10% penalty on early distributions from qualified retirement accounts. Is the rule unfair? Most Americans save majority of their retirement nest egg into these kinds of accounts. Understanding the consequences of distributing money from these accounts pre 59 ½ is very important. There are several exceptions to the rule that you should understand before making any sort of withdrawal. Listen in to learn more.
Ryan, Alex and Andrew discuss year-end planning. The calendar year has flown by! Have you accomplished your annual goals? Now that we are already at the beginning of the year, there are several financial items you may want to address as we wrap up 2022.
Ryan and Andrew discuss the topic of control and money. It is a thought-provoking question that many people may never ask themselves or think about. We believe that if you're confident in your financial plan, you have a better shot at controlling your money and allowing it to work for you. Part of being in control of your money is the psychology behind it. You must act and think in a certain way.
Ryan, Andrew, and Alex discuss what it means when feds raise interest rates. Why are they doing this? What does this mean for you? You will learn that this is a tool the government can use to fight inflation. We haven’t had much inflation for many years now. In addition, interest rates have been historically low. This could help or hurt you depending on your financial situation.
Jody Hall started her career in the 1980s. At that time, there were approximately 10% women studying engineering and far less than 10% women practicing engineering. Fast forward to today and the numbers are a bit different, certainly overall the number of women in science fields has increased. However, there are many areas where there are curiously lower numbers, such as in metallurgy - a subfield in Materials Science & Engineering. When I retired in February 2020, I found I was still hearing too many stories about how women felt they had to work harder to achieve the same status as men. Although I’ve heard a lot of encouraging news about changes in the work environment, I feel sharing conversations with women who have had interesting career paths will help mentor and support others, especially in these areas where there aren’t a lot of role models or mentors . My focus is on why women choose these fields, what they can bring to the table, and why it is a good fit.
Ryan and Andrew talk with Jody Hall about her trip to New Zealand. Jody had a great career, as she retired, she and her husband planned a trip to New Zealand to celebrate. Does anyone know what happened in March 2020? They landed in Australia in March and hopped over to the Island a couple of days later, only to find out they were going into lock down. They ended up being out there for 100 days. Listen to her stories and how they got through the situation.
Ryan, Alex, and Andrew discuss the correlation of precious metals prices and inflation. Using the 3 charts they explore the history of gold and silver prices. Then discussing what happened to those prices during inflationary periods of time. There is nothing wrong with owning precious metals, but we have to always be diversified.
https://www.usinflationcalculator.com/inflation/historical-inflation-rates/
https://www.macrotrends.net/1333/historical-gold-prices-100-year-chart
https://www.macrotrends.net/1470/historical-silver-prices-100-year-chart
Ryan, Alex, and Andrew discuss an article written by Lisa Firestone, Ph.D. about money stress. It is a well written article that discusses this topic and ends with 5 helpful tips when attempting to actively free yourself from these limiting attitudes. In the article it also discusses the “critical inner voice,” which is a powerful concept that you must pay attention too!
https://www.psychalive.org/money-stress-why-we-feel-bad-about-money/
Andrew and Ryan discuss whether you should help your kids financially or not. When does the payroll stop? Is it a good decision for both your own retirement goals and the success of the child? We discuss specific points on how it can work both positively and negatively.
https://www.kiplinger.com/personal-finance/should-you-help-out-your-adult-kids-financially
Veteran's Day Special! Ryan and Andrew interview Alex about his time serving in the Air Force. They dive into how he made the decision to serve and what the process was like from start to finish.
Veteran's Day Special! Ryan and Andrew interview Alex about his time serving in the Air Force. They dive into how he made the decision to serve and what the process was like from start to finish.
Ryan, Alex, and Andrew discuss the importance of protecting your personal information. We live in a very connected world now, and our personal information can be all over the place. They also discuss ways to help identify and protect against making mistakes online. You must take some time regularly to make sure you have covered your bases. Even though there really is no exclusive way to do this, you can take steps to put yourself in the best position.
Ryan, Alex, and Andrew discuss the importance of protecting your personal information. We live in a very connected world now, and our personal information can be all over the place. They also discuss ways to help identify and protect against making mistakes online. You must take some time regularly to make sure you have covered your bases. Even though there really is no exclusive way to do this, you can take steps to put yourself in the best position.
Ryan and Andrew discuss employee benefits and different types of plans. Employee education can lead to a better benefit experience. They discuss some contribution limits of these plans and which ones might be better based on size of company.
Ryan and Alex discuss what Life Insurance Awareness Month is and the importance of life insurance. Many people have a hard time knowing how much insurance to have and what type. We think having the proper amount of life insurance for your situation is the most important thing. Most people buy life insurance to protect their family in case something happens. It is important to put some thought into these decisions.
Ryan, Alex and Andrew have a conversation about the year ending. It was a great summer, but now we are entering the last three months of the year. This is a good time to pause and look at your goals for the year. Have you accomplished the things you set forth to do in January? Are you on track for your savings goals? You have 3 more months to make an impact and get things done!
Ryan and Andrew talk about being on the same page. Whether it is with your spouse, significant other, business partner, or kids. It is important to have open communication about money and to be on the same page. If not, one may feel betrayed, restricted, or unhappy. Everyone has different personality types and ideologies. Having open discussions about goals and money can bring people closer together and work towards agreed upon goals.
Ryan and Andrew discuss the topic of liquidity. What is the importance of having a cash position? What is the right amount of cash to have? Cash can give people a sense of comfort or discomfort, depending on your situation. We go into a deep dive about setting a purpose behind this asset and how to manage proper levels.
Ryan and Andrew discuss the topic of cash. What is the importance of having a cash position? What is the right amount of cash to have? When we discuss cash, we are talking about money in the bank and the importance of it. Cash can give people a sense of comfort or discomfort, depending on your situation. Have you ever wished you had more cash? We go into a deep dive about setting a purpose behind this asset and how to manage proper levels.
Ryan, Alex, and Andrew discuss what you should think about if you have recently been laid off. It is a very emotional time and lots of decisions must be made in a small window of time. It is common to panic, but it is important to slow down and make the right decisions. Listen in to get a list of things you may need to consider.
The newest Horizon Advisers Unleashed podcast episode is LIVE!
Ryan and Alex discuss the Inflation Reduction Act, a new spending bill that has recently passed. Their conversation involves the $80 billion that is earmarked for the IRS and what that means to you.
The newest Horizon Advisers Unleashed podcast episode is LIVE!
Ryan and Alex discuss the Inflation Reduction Act, a new spending bill that has recently passed. Their conversation involves the $80 billion that is earmarked for the IRS and what that means to you.
Ryan and Andrew will be discussing pensions. When you are about to retire and have a pension, you must make a big decision. Are you going to take the income stream? Will you elect a survivorship benefit for a loved one? Do you have a lump sum option? These are tough questions that require planning to make a confident decision. Rising interest rates can have a negative effect on your lump sum option. Inflation can also hurt the purchasing power of your pension if it is a flat payment. Listen in to learn how to make the best decision for your future.
Ryan and Andrew will be discussing pensions. When you are about to retire and have a pension, you must make a big decision. Are you going to take the income stream? Will you elect a survivorship benefit for a loved one? Do you have a lump sum option? These are tough questions that require planning to make a confident decision. Rising interest rates can have a negative effect on your lump sum option. Inflation can also hurt the purchasing power of your pension if it is a flat payment. Listen in to learn how to make the best decision for your future.
Ryan and Andrew discuss an extremely exciting time in life…starting a family! As these times are exciting there are also many changes that will take place. There will be all new financial obligations. Listen in to get a checklist of things to consider and ways you can plan. Whether you are a new parent or grandparent this podcast goes over many good topics and things to take under consideration.
Ryan and Andrew discuss the importance of a financial plan. Many studies out there show less than 30% of Americans have a financial plan. The people that do have a plan can see the effects of a bear market and see how things will look in the future for them. During these tough times we can stress test a plan and look at the success of it during turbulent times.
Ryan and Andrew discuss the importance of a financial plan. Many studies out there show less than 30% of Americans have a financial plan. The people that do have a plan can see the effects of a bear market and see how things will look in the future for them. During these tough times we can stress test a plan and look at the success of it during turbulent times.
Andrew and Ryan discuss how different types of inheritances can be complicated when leaving assets to children.
Ryan, Alex, and Andrew discuss a hot topic. It is easy to jump on your phone or turn on the TV and read bad news. This can make many people feel anxious and feel like they need to be doing something different. In addition, there are a lot of terrible sources for information on the internet. You have to look deeper on who and why someone is writing the content. Listen to see how you can cut through all the noise.
Ryan, Alex, and Andrew discuss how important communication is in your personal, professional, and financial lives. Bad communication can put strains on relationships. They discuss how practicing communication skills can help improve on your relationships and overall happiness. How and why, you communicate the way you do can have an impact on results. Listen as they share some tips and stories.
Ryan, Alex, and Andrew discuss how important communication is in your personal, professional, and financial lives. Bad communication can put strains on relationships. They discuss how practicing communication skills can help improve on your relationships and overall happiness. How and why, you communicate the way you do can have an impact on results. Listen as they share some tips and stories.
Ryan and Andrew discuss the importance of having the finance conversation before you walk down the isle. Asking questions about debt, shared bank accounts and prenups are just some of the hard questions to ask your soon to be spouse. Listen as they give tips on how to navigate this hard but important conversation.
Ryan and Alex discuss these 4 rules. They discuss their upbringing as children and found commonalities with the article. These rules also can apply to business owners and managers. Finally, they discuss how this applies to entrepreneurialship.
https://www.cnbc.com/2022/06/11/i-talked-to-70-parents-who-raised-highly-successful-adults-the-hard-things-they-did-differently.html
Ryan and Andrew discuss A bear market – signified by a 20% or more drop in stock prices – can be easier to weather when you're properly diversified and in it for the long haul. They believe you should resist the urge to run. You can also think big and act small. Automating investments can help. Lastly keep bear markets in perspective and take advantage of rebalancing.
Ryan and Andrew discuss how to prepare to receive a settlement or lump sum of money. There all different ways people receive chunks of money. Sometimes it could be a divorce, or someone dies and leaves an inheritance. You could win the lottery, sell a business or property. These settlements could come from a lawsuit. No matter how you receive the monies there is a lot to think about. You may only have one chance to make the right decisions. Listen in to see what steps you should take and what you should be thinking about.
Ryan and Alex discuss what to think about when getting divorced and possibly remarried. Many people also deal with the death of a loved one. What happens with the finances in a second marriage? It can be complicated depending on the situation. Open communication and planning can make things much easier!
Ryan and Alex discuss an article they found in Kiplinger. They go through the article and cover the 10 items in detail. We tend to agree with most of them but it turns out to be different for everyone.
https://www.kiplinger.com/retirement/602262/things-youll-spend-more-on-in-retirement
Andrew and Ryan discuss why patience is so important and how impatience may cause problems in multiple aspects of life.
Andrew and Ryan discuss the article “New Insights from the Science of Awe,” written by David Fessell M.D. from Psychology Today.
https://www.psychologytoday.com/us/blog/unlocking-your-potential/202112/new-insights-the-science-awe
Ryan, Alex, and Andrew discuss the role of a trustee in estate planning. This person/entity is in charge of your estate when you are no longer here. Being trustee is a lot of work! Closing out an estate can be very complicated and there are a lot of factors that go into the decision making. We think its best to work with a team that can assist you. They also cover some common mistakes they have seen in their experience.
Alex and Ryan discuss the topic of money and happiness. They revisit the article from the Time's from Can Money Buy You Happiness? Part 1. They have a interesting and deep talk on the subject.
https://time.com/collection/guide-to-happiness/4856954/can-money-buy-you-happiness/
Ryan and Andrew discuss the topic of money and happiness. They read an article from Time that was interesting and have a deep talk on the subject. This is part 1 of a 2 part series.
https://time.com/collection/guide-to-happiness/4856954/can-money-buy-you-happiness/
Ryan and Alex have a discussion about how to teach kids about money. Whether you’re a parent, grandparent, uncle, or friend we can all help. Kids don’t get educated at school much on this subject. Get a head start and help kids learn about money. They don’t want to start learning about it once they graduate college as an example.
Alex and Ryan discuss 3 key points to think about when it comes to your personal finances. The 3 points include keeping your goals in mind, learning to distinguish wants from needs and always pay yourself first.
Alex and Andrew discussed the difference between Medicare and purchasing insurance through the open marketplace.
Ryan and Andrew go over this top 10 list. They discuss how these ten items flow through your whole life. Not just your job or money. If you consistently do these 10 things it can put you in a position to get what you want out of life.
Ryan and Alex have a discussion about the cost of ownership. Discuss big ticket items like a home or car. All the way down to what you eat for lunch. How does this work with cash flow and your spending discipline.
Andrew and Ryan discuss the differences between a financial planner and a financial adviser. Understanding the difference will help you get the big picture of what we do.
Ryan and Andrew go into detail on one of their favorite topics Cash Flow. Spending is one part of cash flow and they discuss different types of spending. Not that spending is bad, but without discipline and balance, it can lead some people in the wrong direction.
https://www.cbn.com/finance/crownsimpulsivepending.aspx?mobile=false&q=finance/crownsimpulsivepending.aspx
https://www.nerdwallet.com/blog/average-credit-card-debt-household/
Ryan and Andrew discuss that there are no shortcuts in life. Whether it is advancing in your career, sports, or investing. Some people get lucky but the long plan works well!
Ryan and Andrew discuss Horizon Adviser's process. When someone is interested in working with our group, we use a consistent process. Listen in to understand these steps in more detail.
Ryan and Alex have a conversation about recent market volatility. They talk about what to do. How timing the market is difficult. They also go through some history of the markets. They discussed recessionary periods going all the way back to the Great depression how the markets reacted during and after these tough times. Bottom line is to have a long-term plan and don’t deviate from it.
Alex & Ryan discuss the upcoming tax season and how to prepare. They give insight into the importance of tax planning.
Ryan and Andrew have a conversation about rising interest rates and what you could do to prepare for them. We have seen historically low rates for some time now...and at some point, they will go up. Make sure you are prepared for this by listening about things you can look out for.
Ryan and Alex discuss 2022 and Horizon Advisers. We had a great growth year and we thank all of our clients. We have implemented new processes and technologies we feel will increase the overall client experience. Listen in to hear more details about the year!
Ryan, Alex, and Andrew have a discussion about goal setting. We are now in February and it's not too late to set up goals for the year. They don't have to be lofty goals, and they can be short or long-term. This will give you something to aim at throughout the year. It also helps you hold yourself accountable to complete the things you want to.
Chris Markey is an old friend of Alex's and a great mentor! Chris retired from his job as Vice President of Allstate Independent agencies. Chris dives into how he started with Allstate and how his career excelled. He gives great insight on leadership and key factors that contributed to his 40-year long career with Allstate.
Ryan, Alex, and Andrew discuss business planning for business owners. Whether you are thinking of starting a business or are trying to grow an existing one, get insight on things to think about. How to plan for growth in a business. What to do to protect yourself. When to hire employees. How to keep business financials organized.
Ryan, Alex, and Andrew have a discussion about streamlining your finances. Listen in to find out how to organize and make your financial life simple. There are many steps that can be taken to automate your financial life.
Ryan and Andrew go over a checklist for 2022. Things you may want to consider moving into the new year. It is always good to take a step back and make sure you are organized and heading in the right direction.
Alex and Ryan break down a list of 10 wishes that they find important for ending the year and starting a new one! They also touch on the growth of our different office locations in this next year.
Andrew, Ryan, and Alex discuss 2022. The year flew by but Horizon Advisers continued its growth. Listen in to see what happened.
Alex, Andrew, and Ryan have a discussion about motivation and accountability. It is important to stay motivated in many parts of your life. Motivation is what creates the energy to get things done. Motivation can be a strong thing but without accountability it maybe all for nothing. We help people to stay motivated to hit their life’s goals and hold them accountable for what they want to achieve.
Ryan and Alex discuss an article they recently read about how to prepare for retirement near term. What should you be considering?
https://www.bankrate.com/retirement/planning-to-retire-soon-do-these-things-now/
Ryan, Alex, and Andrew discuss technology and how it can help families in retirement and the aging process.
https://www.kiplinger.com/personal-finance/shopping/home/603467/retirees-transform-your-house-using-smart-home-technology
Andrew, Alex, and Ryan discuss the new $3.5 Trillion infrastructure bill proposal and what it could mean for those affected.
https://www.forbes.com/sites/ashleaebeling/2021/09/13/income-estate--capital-gains-tax-hikes-full-text-of-house-budget-proposal/?sh=7cfd8db946a7
https://www.kiplinger.com/taxes/capital-gains-tax/602224/capital-gains-tax-rates-for-2021-vs-2020
https://www.nj.com/news/2010/07/george_steinbrenners_death_dur.html#:~:text=Born%20on%20the%20Fourth%20of,entire%20team%20of%20Alex%20Rodriguezes
Andrew and Ryan discuss the importance of working with a financial team where all professionals are communicating with each other.
Ryan, Alex, and Andrew discuss the four pillars of financial planning and dive into the importance of each one. The four pillars of financial planning are risk management, tax planning, estate planning, and investing.
Paul Chatlin is the co-founder of MASS Audit and the founder of a plant-based nutrition support group PBNSG. His knowledge of the industries he is in is incredible and has a great insight into the industry's future. He will dive into his past and share stories that made him successful today.
Ryan, Alex, and Andrew talk about protecting identity and financial information. With so many scams, fraud, and theft out there...it is more important than ever to protect yourself and do what you can do to secure your identity. Unfortunately, there is no one way to accomplish this, but there are things you can do to protect yourself.
Ryan, Alex, and Andrew have a discussion about when is the right time to work with a financial adviser. Through our experience, we see a number of reasons why and when you would want to hire one. We believe the answer is the earlier the better. Working with a team that can help navigate the many financial decisions you make throughout your life is important. It just comes down to how serious you are at reaching your goals and the time you are willing to spend to get there.
Ryan, Alex, and Andrew have a discussion about long-term care planning. Everyone knows a family that is going through a LTC situation currently. For many retirees, it could be the greatest risk of the success of your financial plan. It is not just about buying a LTC insurance policy. It's about thinking ahead and communicating to your family what you would want if the situation arises and how this will be paid for. This is a topic Horizon has been educating on for over a decade and is passionate about.
Alex is a younger local entrepreneur. At a young age, he was on NBC Today show showing wearable computer technology. He loves innovation and disruptive technology. He built a website company Commercial Progression and sold it in 2017. Now he is focusing on building and investing in decentralization technology in two main areas: 1) Ethereum/blockchain projects, 2) space exploration/technology companies. The former involving decentralization of data, and later involving the physical decentralization of people and technology away from Earth. He is actively managing blockchain staking infrastructure as well as investing in NewSpace companies (pre-seed to pre-IPO).
Ryan, Alex, and Andrew discuss the hot housing market and the cost of building materials. Since Covid, we have seen big demographic shifts in the US. People getting up and moving to new states and redefining what is important to them in their living. Many people buying second homes and feeling a sense of urgency to do it today.
Andrew and Ryan sit down with Rick Sykes CEO of Don't Engage N Road Rage. There has been a lot of media coverage of late on Road Rage. It has always existed, but we want to shed some light on a growing problem. Driving is more dangerous now than it was years ago. You have a lot of distracted drivers out there and people that can get upset by it. There have been numerous headlines of murders taking place stemming from road rage. Listen to this candid conversation, stories, and learn how to avoid these situations.
Mark is the founder of Bosco's Pizza Company and the current owner of Crispelli's Bakery and Pizzeria. He started his journey through his friends who worked with Papa Romano's and eventually went out on his own. Mark used to play baseball and considered playing college, but ultimately pursued his dreams of becoming an entrepreneur. He first attempted to run his own pizza restaurant but found more success selling Bosco Sticks to school cafeterias. Mark eventually sold Bosco's Pizza Company to Tyson Foods. He has a great success story and shares amazing knowledge for all aspiring entrepreneurs.
Lloyd Brown is the CEO of Waltonen Engineering. He was hired as an employee over 30 years ago and worked his way up to CEO. He discusses what Waltonen Engineering does and how they have evolved over the years. His knowledge of the industry is incredible and has a great insight into the industry's future. He will dive into his past and share stories that made him successful today.
Tim Copacia is Executive Vice President of Strategic Development at J.D. Power UnityWorks. He is a former agency CEO and automotive pioneer in digital marketing, CRM, customer experience management, and data driven video experiences. He has held executive level roles at BBDO, Wunderman/Young & Rubicam, Campbell Ewald, and Ross Roy/InterOne Marketing Group. He has led multi-million-dollar omni-channel marketing programs across all marketing tiers for several major OEMs. He will shed some light on how he has been so successful throughout his career.
Michael Dennis is a seasoned executive and a great man! From his hoopin' days at Dartmouth to family man and business leader. Dennis loves to work hard and found success at an early age. He has an incredibly positive energy that brings people together. Throughout his life, he has had multiple mentors that have helped him along the way. He will shed some light on how he has become a successful business leader in the community.
Ryan and Alex have a candid conversation with each other on their background and where they came from. They also discuss what helped them get to where they are today. This may be an opportunity for you to learn more about the two.
Alex, Ryan, and Andrew have a discussion on life insurance. Life insurance can be confusing for many. So many companies offer it. There are so many different kinds. So many different ways to use it. With so many choices, many people can be overwhelmed. They try to break it down to the basics. It is also important to look at life insurance as part of the overall plan. What do you really need to protect your family? What are you trying to accomplish? By listening to this podcast you should understand the different types of life insurance and how they can be used.
25 Year Senior Air Force Leader, Veteran, and 5th Generation Warfare Subject Matter Expert with both depth and breadth of experience in a variety of areas to include command at the Group and Squadron level. Served as a key senior leader on the Joint Staff developing policy for the Chairman of the Joint Chiefs of Staff, the Secretary of Defense, and the National Security Staff. Served as a key advisor to the 4-star combatant commander in Korea. A career fighter pilot who has combat experience in Bosnia, Kosovo, Iraq, and Libya as well as extensive instructional, standardization, and evaluation, and safety experience at both the operational and training levels. Provides insights and perspectives for client issues to conceptualize and develop policy and concepts of operations for Air Force and Joint Level Programs. As a business leader, leads projects across multiple markets providing deliverables for Air Force, Joint, and Interagency Senior Leaders. Leads capture efforts for immersive technologies and advanced training concepts for the Aerospace Market.
Alex, Ryan, and Andrew discuss asset allocation. One of the most common questions we get asked is how to allocate investments. They have a discussion about what asset allocation is and how it should be applied to a long-term plan. When you listen you should better understand asset allocation as a whole. There is more to asset allocation than the investments you choose. The tax status of the accounts also plays a big role in your overall plan. Many people only save into a pretax 401k which will leave fewer options when pulling money out.
Michigan's Cannabis market is booming. With Marijuana being legal for recreational use in Michigan, many new businesses are emerging. The federal government is also talking about being more flexible on its rules. Alex and Andrew have a conversation with Pleasantrees one of the fastest growing companies in their space! Listen to these pros to learn more about the industry and how they are looking to grow their business.
https://www.enjoypleasantrees.com/
Cetera Neither condones nor condemns the topics discussed in this show. It is the individual's responsibility to check with local governing bodies on the legality of Marijuana in their state and jurisdiction.
Ryan and Andrew have a great conversation with Dr. Juan Salinas a high energy entrepreneur. We discuss his upbringing and immigration to the US. His extensive education at Rutgers gave him expertise in food science and technology. He works with professional athletes on the role of physical activity, nutrition, and other lifestyle factors in promoting good health. He also got an investment from Mark Cuban on season 12 of the Shark Tank. Great guy with a great story!
https://www.facebook.com/SharkTank/videos/shark-tank-is-all-new-tonight-at-87c/831861707567173/
https://www.linkedin.com/in/juan-salinas-76a7783/
www.pnuff.com
Alex, Ryan, and Andrew have an interesting conversation about media and your decision making process. We speak to many clients on a daily basis. Many people get concerned about their personal finances because of a headline they read or something they heard. With so many sources of info nowadays, the noise can get loud. It can possibly make you think differently. Having a long term plan can help your confidence. It is also important to look at the source. Who is saying it? Is this fact or opinion?
Andrew and Ryan interview Jordan Wilkins a Pro football running back for the Indianapolis Colts. They have a discussion with him about what it takes to make it into the NFL and his journey along the way. Jordan is a hard worker and dedicated to his goals. He had to overcome many obstacles to reach his current level and believes in never giving up. Great story and a great man!
https://www.nfl.com/players/jordan-wilkins/
https://en.wikipedia.org/wiki/Jordan_Wilkins
Alex, Ryan, and Andrew discuss personal finance. In most school settings, personal finance is not part of the curriculum. The discussion will explore personal finance and what you may want to be paying attention to in your life. Some individuals chose to handle their finances on their own. Others chose to hire someone to assist with these matters. Either way, understanding and working on your personal financial situation is the best way to achieve your dreams.
Doug Jones is the CEO of Detroit Medical Devices and a graduate of Western Michigan University. He is a 41-year-old serial entrepreneur that has been tremendously successful in building his business. Doug is a hardworking disciplined guy who has just got started! Listen to how Doug manages his business and balances his busy personal life being married with four girls and running multiple businesses.
Andrew, Alex, and Ryan have a conversation about employee benefits. Depending on the company you work for, there may be a variety of benefits and perks you may be offered. We find most people go through open enrollment and just stay with what they had the year before. We encourage our listeners to spend some time on these decisions and look at everything that is offered. You don't want to leave money on the table.
Alex, Andrew, and Ryan discuss some of the big questions people are asking in 2021. We googled some of the common questions people are asking about their finances. We came across this article by Bryce Sanders and thought there were some good questions. We elaborate more on the answers.
https://www.accountingweb.com/practice/clients/16-financial-planning-questions-to-answer-in-2021
Dave Suppnick and Matt Luce are owners of the Ember Platform. They discuss their one of a kind URL based online hosted payment software, designed specifically for churches, charities, and non-profits. Dave & Mat call themselves social entrepreneurs and both have interesting backgrounds. They have created this platform to help modernize the way gifting is done.
https://www.emberplatform.org/
Dennis Glasson is a CPA and a Principle of Horizon Advisers CPA. There have been many tax changes occurring in recent years. What are some of the changes that may be relevant to you? We discuss ways to look at your tax situation and make the best decisions. Dennis is a great CPA who spends the time to understand his client's situation and work within a team to deliver the best outcome consistently.
Andrew, Alex, Ryan and Matt Kreager discuss their perspective on personal finance. Ryan being 40 thinks a little different than Andrew in his 20's. Many people wonder if they are doing the right things to achieve their goals. There is a similar pattern of Life's Steps with these guys. What can you do in each decade to help build wealth? Life moves quickly and each year can leave an impact. Matt Kreager is the Director of financial planning with Horizon Advisers and his role within the company is discussed.
Lawrence James is the managing partner at TILT. He is an energetic entrepreneur who has had global success over his career. Tilt helps organizations tell their story through brand creation and public perception. Lawrence comes from the UK where he owned multiple businesses. His current venture is in Birmingham, MI. Listen to gain perspective from an industry veteran!
https://tiltstory.com/about
Alex, Ryan, and Andrew discuss what to do when a loved one passes away. They have helped many families through this difficult time. There is so much happening at once that it can become a BLUR.
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Emotionally coping with the loss of a loved one.
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Making all the funeral arrangements.
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Evaluating the financial situation, consolidating accounts, and filing life insurance claims.
Some have this all planned out and others are unorganized. What do you do first? What should you be thinking about? Even an uncomplicated estate has many steps. Horizon believes it takes a team to efficiently transfer an estate.
Jim Carmody is an Owner of JK&T Wings. They are a large restaurant group comprised of over 80 Buffalo Wild Wings, BlackRock locations and more. Jim is a hard worker and has helped build a great team and business! Listen to how he got started and what it took to get him where he is today.
https://www.fsrmagazine.com/chain-restaurants/buffalo-wild-wings-largest-franchisee-sells-22-locations
https://www.mlive.com/business/west-michigan/2011/12/two_michigan_partners_build_re.html
Maj. Brett DeVries is an A-10 pilot for the Michigan Air National Guard. He is a distinguished flying cross recipient and has served four tours in Iraq and Afghanistan. He is still a current member of the Air National Guard and a full-time pilot at Spirit Airlines.
https://www.airforcetimes.com/news/your-air-force/2020/11/12/no-wheels-no-canopy-no-problem-a-10-pilot-who-pulled-off-daring-landing-receives-distinguished-flying-cross/
Ray Merlo is the CEO of Merlo Construction. We have been friends with Ray for many years. Like any business owner, Ray has felt the ups and downs of owning a business. Listen to how he built one of the biggest companies in his category in SE Michigan!
https://www.merloconstructionmi.com/
Alex, Ryan, and Andrew discuss an especially important topic called Life Planning. What is retirement going to look like for you? Most people work decades and often spend more time at work than retired. We create routines. Wake up, get ready for work, go home from work. We spend a big chunk of the day doing similar things. Have you thought about what you are going to do in retirement? The routine totally changes. For some, this unknown, can keep you in the work force longer than needed. Learn about what we think is the most critical part of retirement planning - creating a "Life Plan."