Shows
Horizon Advisers Unleashed Podcast#201 - The SECURE Act Unveiled: What It Means for Your Retirement & Estate PlanIn 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 reti...2025-04-3034 minHorizon Advisers Unleashed Podcast#200 - Probate Unmasked: Navigating the Legal Maze with Attorney Sandy MallIn 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...2025-04-2344 minHorizon Advisers Unleashed Podcast#198 - When Should You Move from DIY Taxes to a CPA?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 ow...2025-04-0932 minHorizon Advisers Unleashed Podcast#192 - Are You Emotional About Money? Part 2In 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 balance2025-02-1237 minHorizon Advisers Unleashed Podcast#191 - Are You Emotional About Money? Part 1In 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—an...2025-02-0550 minHorizon Advisers Unleashed Podcast#189 - The Great Wealth Transfer: What Gen X, Millennials, and Gen Z May ReceiveIn 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...2025-01-2244 minHorizon Advisers Unleashed Podcast#186 - Zack Hall InterviewIn 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:2024-12-1842 minHorizon Advisers Unleashed Podcast#182 - When Was the Last Time You Reviewed Your Estate Planning?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.2024-11-2041 minHorizon Advisers Unleashed Podcast#178 - Being Charitable Matters, But How You Do It Matters More!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.2024-10-2339 minHorizon Advisers Unleashed Podcast#176 - Retain Your Brain: Insights on Cognitive Health with Tom BarrettIn 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!2024-10-0941 minHorizon Advisers Unleashed Podcast#166 - Paying Down Debt First, Then Start InvestingAre 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.2024-07-3135 minHorizon Advisers Unleashed Podcast#161 - Recent Investment into Detroithttps://stocks.apple.com/AaewKgjyMRr-0xRHEXEAFoAAndrew and Alex speak on the recent investments by billionaires into Detroit and how it is positively effecting the city.2024-06-2035 minHorizon Advisers Unleashed Podcast#159 - Teaching Kids About MoneyRyan 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...2024-06-0539 minHorizon Advisers Unleashed Podcast#157 - Planning for a WeddingAndrew 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.2024-05-2230 minHorizon Advisers Unleashed Podcast#154 - Horizon Advisers Is Upping Their Game With Digital Marketing in 2024Ryan 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 Ad...2024-05-0138 minHorizon Advisers Unleashed Podcast#152 - 10 Brain Tips to Help Keep You Brain Healthy as You AgeAlex 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 s...2024-04-1645 minHorizon Advisers Unleashed Podcast#145 -America's Biggest Financial Goals in 2024? Save More Money!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-2024/2024-02-2849 minHorizon Advisers Unleashed Podcast#143 - The Greatest Wealth Transfer in HistoryAndrew 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/2024-02-1432 minHorizon Advisers Unleashed Podcast#142 - Are You Saving the Right Way?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. 2024-02-0753 minHorizon Advisers Unleashed Podcast#141 - Do You Have a Second Home That You Want to Leave as Part of Your Legacy?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.2024-01-3138 minHorizon Advisers Unleashed Podcast#140 - Interview with Tim ScaturroAndrew 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. 2024-01-241h 00Horizon Advisers Unleashed Podcast#139 - Personal Debt - Is it Good or Bad?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?2024-01-1752 minHorizon Advisers Unleashed Podcast#135 - Market UpdateRyan 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.2023-12-2150 minHorizon Advisers Unleashed Podcast#129 - Insurance ReviewRyan 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.2023-10-0340 minHorizon Advisers Unleashed Podcast#127 - Does Market Timing Work?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.2023-08-3126 minHorizon Advisers Unleashed Podcast#124 - 7 Steps in Estimating Pre-Retirement Cash FlowRyan 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 helpful2023-08-0240 minHorizon Advisers Unleashed Podcast#123 - Interest Rates and Bear/Bull MarketAlex 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!2023-07-2739 minHorizon Advisers Unleashed Podcast#122 - The Importance of Working with a TeamAndrew and Alex talk about why working with a team is crucial for success, both personally and professionally.2023-07-1926 minHorizon Advisers Unleashed Podcast#121 - Complex Estate Planning SituationsAndrew 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.2023-07-1240 minHorizon Advisers Unleashed Podcast#120 - Investing in PeopleAndrew and Alex discuss how they are choosing to invest in people while living in a world focused on automation.2023-07-0539 minHorizon Advisers Unleashed Podcast#119 - Artificial IntelligenceAndrew 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-intelligencehttps://www.morningbrew.com/daily?mbcid=31642653.223389&mid=b46cb2e6ade0052d3f6d40f4eb650dc0&utm_campaign=mb&utm_medium=newsletter&utm_source=header_signup2023-06-3040 minHorizon Advisers Unleashed Podcast#117- Long-Term Care & Estate Planning EducationAndrew 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.2023-06-1440 minHorizon Advisers Unleashed Podcast#116 - Diversification of InvestmentsRyan, 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?2023-06-0927 minHorizon Advisers Unleashed Podcast#115 - How to Increase Net Worth without Concentrating on Rate of ReturnRyan, 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.2023-06-0136 minHorizon Advisers Unleashed Podcast#113 - Current Interest Rate MarketAndrew 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.2023-05-1737 minHorizon Advisers Unleashed Podcast#111 - Setting ExpectationsAndrew 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.2023-05-0339 minHorizon Advisers Unleashed Podcast#108 - Education FundingRyan, Alex, and Andrew discuss the challenges of funding higher education. Funding tuition for 4 year college universities is often more expensive than many people believe. We discuss the different investment vehicles and strategies that many people can use to fund higher education in the most efficient ways.2023-04-1239 minHorizon Advisers Unleashed Podcast#107 - The Importance of Dollar Cost AveragingRyan, Alex, and Andrew discuss the importance of dollar cost averaging when saving into investments. It is hard to time the market so when you are investing putting money in at all different times can help you reduce some risk. Many people are sitting on cash in their bank wondering when the right time is to put it into the market. We like to pick a time frame and drip it in over time buying at all different levels, kind of like saving into your 401k out of every paycheck. We also discuss the importance of rebalancing. Sometimes parts...2023-04-0527 minHorizon Advisers Unleashed Podcast#106 - Special Guest: John Diehl from Hartford FundsAndrew, Alex & Ryan welcome John Diehl, Senior Vice President of Hartford Funds, to the podcast. John joins the podcast and brings 35+ years of industry experience to the conversation. The team discusses Hartford’s research with MIT’s (Massachusetts Institute of Technology) AgeLab, behavioral finance, retirement longevity, trends in financial planning, and much more!2023-03-2948 minHorizon Advisers Unleashed Podcast#105 - How To Keep Your Mind Sharp: What Research Says About Preventing DementiaRyan, Alex, and Andrew discuss the topic of Dementia. Horizon Advisers has years of experience helping families deal with long term care situations. Dementia is one of the leading conditions that lead to these complex issues. This article brings up some good points at how to keep the mind sharp. What you may be able to do to increase brain health.https://www.barrons.com/articles/dementia-alzheimers-prevention-research-f3a676122023-03-2239 minHorizon Advisers Unleashed Podcast#104 - Financial Infidelity – How To Spot It, How To Stop It, And How To Make Sure It Never Happens To YouRyan, Alex, and Andrew discuss an article about financial infidelity. They discuss some of the ways it is being committed. They discuss ways to spot it. Most importantly discuss having an open dialog with your spouse about money. There shouldn’t be anything to hide.2023-03-1543 minHorizon Advisers Unleashed Podcast#102 - Andrew Talks South Africa Trip and We Answer 5 Listeners QuestionsRyan, Alex, and Andrew start off by discussing Andrew’s recent trip to South Africa to go on a safari with family. Andrews talks about his top highlights. Then we go into 5 recent questions we received from listeners.2023-03-0152 minHorizon Advisers Unleashed Podcast#101 - The Importance of ConsolidationRyan, Alex, and Andrew discuss the important of consolidation. Many people have multiple bank accounts, investments, insurance, ect…It is hard to manage your situation when things are all over the place. We find titling and beneficiaries hardly ever match up. When a death or incapacity happens it also creates more companies to deal with. Listen in for some tips on what to look for and how to start creating change that will put you in a more organized position.2023-02-2240 minHorizon Advisers Unleashed Podcast#100 - What Direction the Financial Advising Industry is HeadingRyan and Alex are excited to have their 100thepisode recorded. This is a big accomplishment for the team and shows their commitment to education. They have recorded 1 episode per week so they are nearing 2 full years. They discuss Horizon Advisers and how they got to where they are now. Many big improvements coming up for 2023. They are excited about their position in the industry. They have years of experience, processes, and a team that helps deliver a high level client experience through financial planning.2023-02-1535 minHorizon Advisers Unleashed Podcast#99 - Secure Act 2.0Ryan, Alex, and Andrew discuss the Secure act 2.0. This was passed by congress and signed by Biden December 29, 2023. The year prior they passed the Secure Act. These acts are part of the spending bill and have implications to all retirement plans. We like many aspects of this legislature. Some nice changes to group retirement plans. The RMD ages are going up and much more. Listen in to see how this may impact you situation.2023-02-0839 minHorizon Advisers Unleashed Podcast# 98 - HSA'sRyan, 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.2023-02-0136 minHorizon Advisers Unleashed Podcast#97- Only 38% of Americans have discussed their aging parents’ financesRyan, 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-finances2023-01-2540 minHorizon Advisers Unleashed Podcast#94 - Year-End Planning for 2022Ryan, 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. 2023-01-0448 minHorizon Advisers Unleashed Podcast#91- What Does it Mean “Feds Raising Interest Rates”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.2022-12-2240 minHorizon Advisers Unleashed Podcast#89 - Precious Metals: Good Investment?Ryan, Alex, and Andrew discuss the correlation between precious metals prices and inflation. Using the 3 charts, they explore the history of gold and silver prices. Then discuss 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-charthttps://www.macrotrends.net/1470/historical-silver-prices-100-year-chart2022-11-3038 minHorizon Advisers Unleashed Podcast#88 - Money Stress - Why We Use Money to Feel Bad About OurselvesRyan, 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/2022-11-2445 minHorizon Advisers Unleashed Podcast#86 - Veteran's Day Special: Alex Dinser InterviewVeteran'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.2022-11-0935 minHorizon Advisers Unleashed Podcast#85 - Protecting Personal Information 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. 2022-11-0243 minHorizon Advisers Unleashed Podcast#83 - September Was Life Insurance Awareness MonthRyan 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. 2022-10-2045 minHorizon Advisers Unleashed Podcast#82 - Forth Quarter is Coming! Are You on Track?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!2022-10-1236 minHorizon Advisers Unleashed Podcast#79 - Have You Been Part of a Layoff?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.2022-09-2239 minHorizon Advisers Unleashed Podcast#78 - Inflation Reduction Act of 2022Ryan 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.2022-09-1535 minHorizon Advisers Unleashed Podcast#73 - Fear Sells!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.2022-08-1047 minHorizon Advisers Unleashed Podcast#72 - Importance of CommunicationRyan, 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.2022-08-0335 minHorizon Advisers Unleashed Podcast#70 - 4 Hard Parenting Rule that Make Them DifferentRyan 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 entrepreneurship.https://www.cnbc.com/2022/06/11/i-talked-to-70-parents-who-raised-highly-successful-adults-the-hard-things-they-did-differently.html2022-07-2042 minHorizon Advisers Unleashed Podcast#67 - What You Should Know About Getting Divorced and (Maybe) RemarriedRyan 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!2022-06-2233 minHorizon Advisers Unleashed Podcast#66 -10 Things You Will Spend More on in RetirementRyan 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-retirement2022-06-1644 minHorizon Advisers Unleashed Podcast#63 - What is the Role of a Trustee?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.2022-05-2549 minHorizon Advisers Unleashed Podcast#62 - Can Money Bring You Happiness? Part 2 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/2022-05-1837 minHorizon Advisers Unleashed Podcast#60 - Teaching Youth about FinancesRyan 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.2022-05-0445 minHorizon Advisers Unleashed Podcast#59 - 3 Key Points for Personal FinanceAlex 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.2022-04-2741 minHorizon Advisers Unleashed Podcast#58 - Health Insurance in Retirement Alex and Andrew discussed the difference between Medicare and purchasing insurance through the open marketplace. 2022-04-2041 minHorizon Advisers Unleashed Podcast#56 - Cost of OwnershipRyan 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.2022-04-0643 minHorizon Advisers Unleashed Podcast#51 - Recent Market VolatilityRyan 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.2022-03-0143 minHorizon Advisers Unleashed Podcast#50 - Preparing for your Tax Return Alex & Ryan discuss the upcoming tax season and how to prepare. They give insight into the importance of tax planning.2022-02-2349 minHorizon Advisers Unleashed Podcast#48 - Horizon Adviser Business Year RecapRyan 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!2022-02-0942 minHorizon Advisers Unleashed Podcast# 47 Setting Goals for 2022Ryan, 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.2022-02-0245 minHorizon Advisers Unleashed Podcast#46 - Chris MarkeyChris 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.2022-01-261h 12Horizon Advisers Unleashed Podcast#45 - Business PlanningRyan, 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. 2022-01-2051 minHorizon Advisers Unleashed Podcast#44 - Streamline your FinancesRyan, 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.2022-01-1240 minHorizon Advisers Unleashed Podcast#41 - Year RecapAndrew, Ryan, and Alex discuss 2022. The year flew by but Horizon Advisers continued its growth. Listen in to see what happened.2021-12-3042 minHorizon Advisers Unleashed Podcast#42 - 10 Wishes 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.2021-12-3052 minHorizon Advisers Unleashed Podcast#39 Motivation and AccountabilityAlex, 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.2021-11-1041 minHorizon Advisers Unleashed Podcast#38 - Planning to Retire in 2021? Do these 7 Things Now!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/2021-10-2842 minHorizon Advisers Unleashed Podcast#37-Retirees, Transform your House using Smart Home TechnologyRyan, 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-technology2021-10-2038 minHorizon Advisers Unleashed Podcast#36 $3.5 Trillion Infrastructure Bill ProposalAndrew, 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=7cfd8db946a7https://www.kiplinger.com/taxes/capital-gains-tax/602224/capital-gains-tax-rates-for-2021-vs-2020https://www.nj.com/news/2010/07/george_steinbrenners_death_dur.html#:~:text=Born%20on%20the%20Fourth%20of,entire%20team%20of%20Alex%20Rodriguezes2021-10-1343 minHorizon Advisers Unleashed Podcast#34 Four Pillars of Financial PlanningRyan, 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.2021-09-2256 minHorizon Advisers Unleashed Podcast#32 - Financial SecurityRyan, 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.2021-09-0947 minHorizon Advisers Unleashed Podcast#31 - When Do You Hire a Financial AdviserRyan, 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.2021-09-0143 minHorizon Advisers Unleashed Podcast#27 - Alex FisherAlex 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). 2021-08-0457 minHorizon Advisers Unleashed Podcast#28 - Housing Market Discussion 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.2021-08-0448 minHorizon Advisers Unleashed Podcast#30 - Long Term CareRyan, 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.2021-08-0435 minHorizon Advisers Unleashed Podcast#22 - Alex and Ryan Interview 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. 2021-06-301h 00Horizon Advisers Unleashed Podcast#21 - Life InsuranceAlex, 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...2021-06-231h 03Horizon Advisers Unleashed Podcast#19 - Asset AllocationAlex, 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.2021-06-0952 minHorizon Advisers Unleashed Podcast#18 - Ben Sobczak Chief Legal and Randy Buchman CEO of PleasantreesMichigan'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...2021-06-021h 04Horizon Advisers Unleashed Podcast#16 - Hysteria and Noise in MediaAlex, 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? 2021-05-1954 minHorizon Advisers Unleashed Podcast#14 - What is Personal Finance?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.2021-05-0540 minHorizon Advisers Unleashed Podcast# 12 - Do you understand your employee benefits package?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.2021-04-2142 minHorizon Advisers Unleashed Podcast#11 - Top Financial Questions People are Asking 2021Alex, 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-20212021-04-1454 minHorizon Advisers Unleashed Podcast#10 - Dave Suppnick and Matt Luce owners of Ember PlatformDave 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/2021-04-1453 minHorizon Advisers Unleashed Podcast#8 - 20's, 30's, 40's What should you be thinking about? Special guest Matt KreagerAndrew, 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.2021-03-3154 minHorizon Advisers Unleashed Podcast#6 - What Happens When a Loved One Passes Away?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.- Emotionally coping with the loss of a loved one.- Making all the funeral arrangements. - 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 s...2021-03-1733 minHorizon Advisers Unleashed Podcast#2 - Life Planning for RetirementAlex, 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...2021-02-1745 minHorizon Advisers Unleashed Podcast#1 - IntroductionAlex, Ryan and Andrew introduce the Horizon Advisers Unleashed podcast. 2020-11-0218 min