Shows
Horizon Advisers Unleashed Podcast#214 - Andrew Maurer InterviewAndrew 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!2025-07-3048 minHorizon Advisers Unleashed Podcast#199 - First Steps in Creating a BudgetJoin 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!2025-04-1640 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#196 - Just Had a Baby? Set Your Kids Up for Financial Success!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!2025-03-2637 minHorizon Advisers Unleashed Podcast#195 - Should I Invest Aggressively If I'm Behind in My 50's?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 i...2025-03-1939 minHorizon Advisers Unleashed Podcast#194 - Should You Have a Side Hustle? The Pros, Cons & Smart Money MovesIn 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...2025-03-0533 minHorizon Advisers Unleashed Podcast#193 - Coasting to Financial Freedom: The Coast FIRE StrategyIn 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...2025-02-2633 minHorizon Advisers Unleashed Podcast#190 - Should I Buy or Lease a Car?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...2025-01-2949 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#188 - Your Social Security Cheat Sheet: Maximizing BenefitsIn 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...2025-01-1534 minHorizon Advisers Unleashed Podcast#187-Building Wealth Starts with Setting GoalsIn 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 t...2025-01-1539 minHorizon Advisers Unleashed Podcast#184 - Wesley J. Mathews Stealth Consulting InterviewIn 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...2024-12-0441 minHorizon Advisers Unleashed Podcast#181 - Year-End Financial Planning EssentialsJoin 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...2024-11-1338 minHorizon Advisers Unleashed Podcast#180 - Living Paycheck to Paycheck? What Happens if You Lose Your Job?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...2024-11-0638 minHorizon Advisers Unleashed Podcast#179 - Should You Cut Your Kids Off Financially?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...2024-10-3033 minHorizon Advisers Unleashed Podcast#177 - Do You Know How Your After-Tax Investments Are Being Taxed?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...2024-10-1641 minHorizon Advisers Unleashed Podcast#174 - Labor Day Weekend LifestyleIn 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...2024-09-2537 minHorizon Advisers Unleashed Podcast#173 - - What to Do When There Is a Stock Market SelloffThe 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...2024-09-1831 minHorizon Advisers Unleashed Podcast#171 - People Care about Elections. Markets Don't. Part 1In 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...2024-09-0435 minHorizon Advisers Unleashed Podcast#168 - Don't Fall into the "Cash Trap"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...2024-08-1428 minHorizon Advisers Unleashed Podcast#167 - Traveling to ItalyIn 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...2024-08-0740 minHorizon Advisers Unleashed Podcast#164 - Exploring the Psychology of MoneyRyan 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...2024-07-1041 minHorizon Advisers Unleashed Podcast#160 - Retirement Plans for CompaniesWelcome to the Horizon Advisers Unleashed Podcast, where hostsRyan Kus and Andrew Hinrichs provide essential insights for business owners andHR professionals on their options for retirement plans. There are variousretirement plan options available to companies, including SEP IRAs, SIMPLEIRAs, 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 meetyour organization’s needs and ensure a secure future for your employees.Wh...2024-06-1247 minHorizon Advisers Unleashed Podcast#158 - Work as a Team with your Spouse to Achieve Financial SuccessJoin hosts Andrew and Ryan on the "Horizon AdviserUnleashed" podcast as they dive into the intricacies of achievingfinancial success through teamwork with your spouse. In this episode, Andrewand Ryan, seasoned financial advisors, unlock the secrets to harnessing thepower of collaboration within marriage to build a stable financial future.Discover practical strategies and actionable insights as Andrewand Ryan explore the dynamics of working as a team with your partner tonavigate financial challenges, set goals, and achieve prosperity. Fromeffective communication techniques to joint decision-making processes...2024-05-2943 minHorizon Advisers Unleashed Podcast#155 - Retirement SavingsJoin Ryan and Andrew on the latest episode of "HorizonAdvisers Unleashed" as they delve into the pivotal topic of retirementsavings. In this episode, they dissect an article, offering listeners astraightforward method to gauge their retirement readiness at pivotal ages: 30,40, and 50.At Horizon Advisers, we champion the importance of crafting acomprehensive financial plan tailored to your unique lifestyle aspirations.After all, happiness is deeply personal, and your financial strategy shouldreflect that. However, for those seeking a quick assessment of their financialtrajectory, this episode serves...2024-05-0842 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#103 - "Is My Financial Planner Crazy?"Ryan and Andrew discuss an article they recently read. A reader had a question about asset allocation pre-retirement. We get this question all the time. The answer is very easy for us. It depends as everyone has different goals and needs. We believe you need to have a plan and establish a timetable of when you are going to need the money. Based on time horizon, you then can create a portfolio/allocation tailored to when you need access. There is no one size fits all answer.https://www.marketwatch.com/story/is-my-financial-planner-crazy-were-55-and-60-five-years-from-retirement-and-were-told-we-should-invest-more-aggressively-7119ccd52023-03-0833 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#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# 96 - The Importance of Having HobbiesAndrew 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.2023-01-1840 minHorizon Advisers Unleashed Podcast#95 - 10% PenaltyRyan 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.2023-01-1135 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#93 - Does Your Money Control You...or Do You Control Your Money?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.2022-12-2833 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#90 - Interview: Jody Hall Bucket List Trip to New ZealandRyan 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.2022-12-1341 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#87 - Should You Help Your Kids Financially?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-financially2022-11-1746 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#84 - Types of Retirement Plans Most Companies AdoptRyan 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. 2022-10-2645 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#81 - Are You on the Same Page?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.2022-10-0733 minHorizon Advisers Unleashed Podcast#80 - Let's Talk About CashRyan 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.2022-09-2935 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#77 - Pension in a Rising Interest Rate EnvironmentRyan 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...2022-09-0740 minHorizon Advisers Unleashed Podcast#76 - Financial Planning When Expecting a BabyRyan 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.2022-08-3137 minHorizon Advisers Unleashed Podcast#75 - Your Financial Plan Can Help ‘Stress Test’ Your Retirement StrategyRyan 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.2022-08-2438 minHorizon Advisers Unleashed Podcast#74 - Different Types of Inheritances Andrew and Ryan discuss how different types of inheritances can be complicated when leaving assets to children.2022-08-1742 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#71 - Before You Say Yes! Ryan and Andrew discuss the importance of having the finance conversation before you walk down the aisle. 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.2022-07-2740 minHorizon Advisers Unleashed Podcast#69 - How Millionaires Invest in a Bear MarketRyan 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.2022-07-1339 minHorizon Advisers Unleashed Podcast#68 - How Do I Prepare for an Upcoming Settlement?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.2022-07-0738 minHorizon Advisers Unleashed Podcast#65 - Patience is a VirtueAndrew and Ryan discuss why patience is so important and how impatience may cause problems in multiple aspects of life.2022-06-0837 minHorizon Advisers Unleashed Podcast#64 - The Power and Importance of AweAndrew 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-awe2022-06-0139 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#61 - Can Money Bring You Happiness? Part 1Ryan 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/2022-05-1143 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#57 - 10 Things that Require Zero SkillRyan 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.2022-04-1348 minHorizon Advisers Unleashed Podcast#55 - Financial Planner vs. Financial AdviserAndrew 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. 2022-03-3038 minHorizon Advisers Unleashed Podcast#54 - Impulsive and Compulsive SpendingRyan 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.aspxhttps://www.nerdwallet.com/blog/average-credit-card-debt-household/2022-03-2336 minHorizon Advisers Unleashed Podcast#53 - No ShortcutsRyan 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!2022-03-1637 minHorizon Advisers Unleashed Podcast#52 - Our Process 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.2022-03-0127 minHorizon Advisers Unleashed Podcast#49 - Increasing Intrest RatesRyan 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.2022-02-1634 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#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#43 - Checklist for 2022Ryan 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.2022-01-0540 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# 40 Four Recent Questions Ryan and Andrew discuss 4 recent questions they have received.2021-11-1747 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#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#35 Do you have a Financial Team?Andrew and Ryan discuss the importance of working with a financial team where all professionals are communicating with each other.2021-09-2938 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#29 - Don't Engage N Road Rage with Rick Sykes CEOAndrew 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.2021-08-041h 10Horizon 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#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#17 - Dr. Juan Salinas Founder / CEO at PnuffRyan 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/...2021-05-2655 minHorizon 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#15 - Jordan Wilkins RB #20 Indianapolis ColtsAndrew 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_Wilkins2021-05-121h 00Horizon 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#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