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Retirement Planning Education, with Andy PankoRetirement Planning Education, with Andy Panko#159 - SPECIAL EDITION...Provisions of the "One Big Beautiful Bill Act" most likely to impact your tax returnIn the SPECIAL EDITION episode, Andy summarizes the key provision of the recently signed into law One Big Beautiful Act that are most likely to impact you and your tax return. The topics summarized are:Permanency of the current federal tax ratesPermanency, and a slight increase, to the current standard deduction amountsA new temporary personal exemption up to $6,000 per person 65 or olderPermanency, and a slight increase, to the lifetime gift and estate size exemptionPermanency of the current Alternative Minimum Tax exclusion amount, but reduction/reversion of its income phase out levelsPermanency of the $750,000 limit on residential mortgage principal...2025-07-0845 minRetirement Planning Education, with Andy PankoRetirement Planning Education, with Andy Panko#155 - "Hot topics" edition...Andy and Larry Pershing talk about the Big Beautiful (tax) Bill, US debt, concentration in the S&P 500 and MORE!Andy and Larry Pershing from Optimum Retirement Planning share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: The pending "Big Beautiful Bill" tax bill that recently was approved by the House; what's in it, what's not in it, practical planning considerations around it, etc. ( 8:12 )Potential concerns about US debt US government bond defaults ( 34:50 )Talking to kids and heirs about your estate planning and wishes for after you're gone ( 50:02 )Estimated tax payments for people who recently retire ( 59:40 )Sources and tools to consider using to do tax return and e...2025-06-121h 48Chicks with Gear The Podcast with Resident Gear Head Andy MostChicks with Gear The Podcast with Resident Gear Head Andy MostFrom Country Hits to Power Pop Mastery: Bill Lloyd’s Wild Ride. Singer/Songwriter, Musician, Legend.Send us a textFrom chart-toppers to indie gems — the evolution of a musical maverick.🎙️ In This Episode of Chicks With Gear – Meet Bill Lloyd! 🎸Bill Lloyd — singer, songwriter, guitarist, and one-half of the groundbreaking country-rock duo Foster & Lloyd — joins us for a deep dive into his legendary career. From his days with The Sky Kings, The Long Players, and The Pop Tarts, to his critically acclaimed solo work, Bill shares the stories behind the music that shaped a generation and the music he is making now. Bill shares behind-the-scenes stories, songwriting insights, and his favorite...2025-06-071h 05Veterans Archives: Preserving the Stories of our Nations HeroesVeterans Archives: Preserving the Stories of our Nations HeroesFinding Your Path: Andy Usborne's Journey Through Service and BeyondSend us a textThe winding path from military service to civilian success often reveals surprising connections. In this captivating conversation, Navy veteran Andy Usborne shares how his service aboard the USS Mobile transformed both the ship and his future career prospects.Growing up as one of six brothers in rural New York, Andy was surrounded by family on all sides - his grandfather, aunts, uncles and cousins all lived down the same road. This tight-knit Italian-American community shaped his early years before he and a childhood friend decided to enlist in the Navy together...2025-05-291h 07Inside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersThe Soundtrack to Retirement Planning 🎙️ Episode Summary In this lively and unconventional episode, Brother Bill and Brother Andy explore the emotional and motivational power of music—and how it can help shape your outlook on retirement planning. From walk-up songs to celebratory anthems, they highlight tunes that uplift, energize, and even challenge us to take action. This playlist-inspired episode weaves financial wisdom into familiar melodies and leaves listeners tapping their toes while thinking about their future selves. Retirement may be serious business, but that doesn’t mean it can’t have a great soundtrack. 🕒 Time-Stamped Episode Highlights 00:09 – Setting the Stage Andy...2025-05-2819 minAround Town With Stark & ClarkAround Town With Stark & ClarkThrough The Garden Gate With Andy Rideout - Summer 2025 EditionJust in time for the peak planting season we sit down with our good friend Andy Rideout who is transitioning from life in the public sector with the UK College of Agriculture to now owning his own greenhouse and garden center.2025-05-2838 minThe Business BrewThe Business BrewAndy Constan on Today's Macro BackdropAndy Constan stops by to discuss today's US macro backdrop. Importantly, this discuss was recorded on 4/24. Since then the narrative around the tax bill has gotten incrementally more stimulative. Do what you will with that information.Bill reached out to Andy after following him for a while on Twitter. Andy appears to use Twitter to educate, inform, and journal thoughts. Hence why he was invited to the show.As for Andy's formal background, his bio reads as follows:Andy Constan graduated with a degree in Bioengineering from...2025-05-0158 minArdan Labs PodcastArdan Labs PodcastFyne, Startups, and Innovation with Andy Williams In this conversation, Bill Kennedy and Andy Williams explore the intersections of art, programming, and education, reflecting on their personal journeys through university and early career experiences.They delve into Andy's innovative project, Fyne, which aims to simplify the creation of graphical applications using the Go programming language. They later discuss the evolution of technology, particularly in mapping and software development, and share insights from their startup journeys, including successes and failures. The conversation also delves into the governance of open-source projects and the importance of community in driving innovation.00:00 Introduction2025-01-011h 36Cocktails & Commerce PodcastCocktails & Commerce PodcastC&C Pod - Wandering Path Mocktail with Andy Peebler, former VP of Product at Salesforce Commerce CloudThis week Bill and I are joined by Andy Peebler to mix up a delicious mocktail and discuss the commerce platform wars, the role of suites moving forward, B2B commerce, the influence of AI on commerce, and much more.Andy has an impressive background, spanning both the services and product sides of the Commerce tech market. Most recently, Andy was VP of Product Strategy & Ecosystem for Salesforce Commerce Cloud, having joined through Salesforce’s acquisition of CloudCraze. Prior to that, Andy played key leadership roles at Acquity Group, guiding its IPO and eventual acquisition by Accenture, wh...2024-11-1737 minTap Into Maple RunTap Into Maple RunEpisode 11 - Andy Crossman and Stephanie HodgemanThis week, we’re excited to welcome special guests Andy Crossman and Stephanie Hodgeman. We’ll explore tips and strategies for maintaining personal wellness during the busy holiday season, and of course, we’ll share updates on what Bill and John have been up to lately. Our conversation with Andy and Stephanie dives into the impactful Tech Discovery Day event held at the Collis Perley Sports & Fitness Center. Designed for 8th graders from all Maple Run schools, this hands-on STEM experience is all about inspiring the next generation of innovators. Andy and Stephanie, who organized the event, will share stories and in...2024-11-1635 minAround Town With Stark & ClarkAround Town With Stark & ClarkThrough The Garden Gate With Andy Rideout - Summer 2024 EditionJoin us as we dig deep for the latest on Summer lawn and garden care with Henderson Horticulturalist Andy Rideout. The pros and cons of using landscape fabrics, what to do if your tree has taken a direct hit from a lightning strike and proper watering tips are just a few of topics we discuss in this Summertime edition of Around Town.2024-08-1426 minPeople and Projects Podcast: Project Management PodcastPeople and Projects Podcast: Project Management PodcastPPP 429 | Signs That Your PMO is Going to Fail: Insights from World PMO Influencer Bill DowSummary In this episode, Andy talks with Bill Dow, the Director of Enterprise PMO at University of Washington Medicine and author of multiple project management books. Bill shares his extensive journey in project management, from starting as a data entry clerk in 1989 to leading PMOs in various organizations. The discussion covers the evolution of project management offices (PMOs), key lessons in leadership, and the significant impact of AI on project management. Bill emphasizes the importance of executive support for PMOs' success and explores future trends like increased automation and the integration of AI into project...2024-08-0841 minReal Estate LowdownReal Estate LowdownPublic Adjusters: The Unsung Heroes Fighting for Fair Insurance Claims with Andy GurczakOn this episode of Real Estate Lowdown we're demystifying the often unknown, but crucial world of insurance adjusting and the indispensable role of public adjusters.Andy Gurczak is the Founder of AllCity Adjusting, a licensed public adjusting firm with a focus on making sure their clients get what they truly deserve from their insurance claims. Over the last decade, Andy has not only protected thousands of people from being defrauded, but he has also helped them receive more money than what their insurance initially offered. Andy does a great job of explaining simply the labyrinth t...2024-07-3129 minThings happen in your fiftiesThings happen in your fiftiesTHE FIFTY SOMETHING PODCAST - ROCKET SHIP TUNES FROM BILL LEACH (JOHN SMEDLEY KNITWARE)EPISODE 7 - PART 2Andy and Bill Leach, Global Sales Director at legendary knitware brand, John Smedley, chat about the soundtrack to Bill's life and strip all of his music choices down to that one tune he would take on a rocket ship to Mars.If you're in your fifties it's likely that you will identify with Bill's selection.Listen here on Spotify - https://open.spotify.com/playlist/4zbGjB8I6Tj6uvkKLlDYMV?si=4bfc1d402769471eThe Fifty Something Podcast with Andy Barlow and Darran Medley is the podcast that discusses...2024-03-2541 minAround Town With Stark & ClarkAround Town With Stark & ClarkThrough The Garden Gate With Andy Rideout - Spring 2024 EditionSpring has sprung and there's gardening to be done! We've got all the dirt on when to plant and more with our good friend Andy Rideout with the UK Extension Service.2024-03-2027 minCatching Up to FICatching Up to FIRetirement Planning Tips | Andy Panko | 063Andy Panko is the founder and owner of Tenon Financial, a retirement planning and investment management firm, and Tenon Tax Preparation, a tax return preparation company. Andy joins Becky and guest co-host, Mark, to discuss retirement planning, the role and value of annuities, when to claim social security, and how to determine if you have saved enough for retirement. They also delve into handling taxes in retirement and the importance of community in one’s retirement journey. Welcome to the show, Andy! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI2024-03-031h 02The Professional NoticerThe Professional NoticerBacon and Burgers with Bill-E StittJoin Andy on this week's episode of The Professional Noticer as he welcomes special guest Bill-E Stitt – the guy affectionately known as the "bacon guy" and owner of Bill-E’s Bacon in Fairhope, Alabama.  Tune in to hear Bill-E share his journey into the food industry and discuss his passion for crafting delicious, high-quality bacon and burgers. Discover why he chooses traditional methods and the highest quality ingredients in his bacon-making process, which has earned acclaim for its incredible flavor. Bill-E also reveals his plans for expanding his bacon brand and opening more restaurant locations, while encouraging liste...2024-02-2633 minRetirement Planning Education, with Andy PankoRetirement Planning Education, with Andy Panko#086 – Retirement planning chat with a "real" person, Bill StevensonAndy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Bill Stevenson, a married military retiree currently living in Hawaii.  They talk about a wide array of retirement planning topics such as when Bill started getting serious about retirement planning, what he wishes he would have known earlier, how he planned for the non-financial aspects of retirement, and a variety of financial topics such as Social Security, investing, portfolio distributions, how the GI Bill helped pay for Bill's daughters' colleges and more!Links in this episode:B...2024-02-151h 01REAL AF with Andy FrisellaREAL AF with Andy Frisella624. Andy & DJ CTI: Bill Unmasked On Epstein's List, No Charge For Sam Bankman-Fried & Mike DeWine Took 40K To Veto BillIn today's episode, Andy & DJ discuss Bill Clinton being unmasked on Jeffrey Epstein's list as names are about to be made public, the Justice Department covering for the deep state by not charging Sam Bankman-Fried, and Mike DeWine taking 40k to veto a bill that would protect kids from hospitals that perform child sex changes.2024-01-021h 07The Sprinkler Nerd ShowThe Sprinkler Nerd Show#152 - UNFUCKIT, 123123GET YOUR T-SHIRT HERE: https://sprinklernerd.com/unfuckit --------------------------- Andy (00:46.717): Joining me again today is Paul Bassett for our annual Prediction Show. Welcome, Paul. Paul Bassett (00:53.61): Oh, I'm so happy to be here. This is one of my funniest shows of the year, where we get to banter about the year prior and how our predictions were. So, I was looking forward to this day all year. Andy (01:05.953): And we are going to provide some banter today. This is a guarantee because Paul doesn't have any idea what we are going...2023-12-3141 minTakin\' it to the StreetsTakin' it to the Streets2. From Philly to the Heart of Texas: Bill Schoening’s Journey in Radio and SportsThis week on Takin’ It To The Streets Andy is joined by longtime play-by-play, Texas Hall of Famer, Bill Schoening. Bill and Andy chat about his early career, years at University of Texas and current gig with the San Antonio Spurs.    He also gives us a sneak peek into his book, "Story Sports and Songs," which is available on Amazon. But that's not all! We also have some exciting NFL picks for the upcoming NFL weekend including the showdown in Philly with the 49er’s. So, if you're a football fan, y...2023-12-1545 minFather Bill W.Father Bill W.Recovery Gems: Andy's Story and How to Keep Recovery FreshFr. Bill’s guest is Andy C. an attorney in recovery since 1977 and living in Victoria, Canada. Andy is the author of “Gems” a collection of meditations on the various components and practices that can lead to meaningful, satisfying, and purposeful recovery. In this first episode, Andy shares his recovery story before he and Fr/ Bill dive into Andy’s first chapter distinguishing Long-termers from Old-timers. You’ll discover there’s a world of difference and find a few pitfalls to avoid along the way.  Show Notes: Gems: Meditations on Alcoholism and Recovery by Andy C. Vis...2023-12-1159 minAround Town With Stark & ClarkAround Town With Stark & ClarkThrough The Garden Gate With Andy Rideout - Fall 2023 EditionIt's Fall Y'all and we're back with our favorite lawn and garden expert Andy Rideout of the UK College of Agriculture Extension Service. Andy has great advice on Ageratum, holiday gift giving for your gardening friends, and preparing your lawn and garden for the coming winter season. We also share the ins and outs of fall pruning and preview the next Master Gardeners class.2023-11-2229 minDr. Andy\'s Poetry and Technology HourDr. Andy's Poetry and Technology HourBill Mohr, Rhony Bhopla, and Faustin RusanganwaOn the 11/15/23 edition of Dr. Andy’s Poetry and Technology Hour:Dr. Andy is visited by this week’s featured readers, Bill Mohr and Rhony Bhopla, and an additional guest, Faustin Rusanganwa. Mohr kicks off the episode by expressing his nostalgia and fondness for the earlier periods of publishing. He mentions how his creative journey and academic journey complement each other greatly, then shares a poem about a beautiful garden. Rhony Bhopla is the next guest. She delves into the necessity of recognizing that one is an artistic artifact when given the...2023-11-1657 minLate to Grid - Grassroots RacingLate to Grid - Grassroots RacingSim Racing to Wheel to Wheel Racing with Andy BlanchardSend us a textAndy Blanchard joins the Late To Grid podcast to talk about his motorsports journey which includes moving from sim-racing (he repurposes arcade consoles) to a track day with Reed Kryder (here's a link to Reed on the Late To Grid podcast) to wheel to wheel racing with Lemons and ChampCar. Bill and Andy talk about Andy's 2023 season, what's planned for the off-season, and what 2024 has in store for the team.  They are really hoping to do an endurance race at Nelson Ledges Road Course.Andy shares the fun story o...2023-10-301h 04Around Town With Stark & ClarkAround Town With Stark & ClarkThrough The Garden Gate With Andy Rideout - Summer EditionHaving issues with snails eating your plants? Are your shrubs dead or dying following last winter? Those are just two of the topics we cover in this edition of Around Town with our good friend UK Horticultural Agent Andy Rideout who also shared some timely tips for Summer gardeners and sage advice on what not to do during the hottest days of the year.2023-08-0928 minThe Big Show with Andy Gallo and Country JimThe Big Show with Andy Gallo and Country JimEP.69 Bill Nash / The Big Show with Andy Gallo & Country JimBill talks about his new book "Saint, Sinner, Singer". Bill tells us about some very interesting stories from the book. --- Send in a voice message: https://podcasters.spotify.com/pod/show/andy-gallo/message Support this podcast: https://podcasters.spotify.com/pod/show/andy-gallo/support2023-06-0444 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersThe Distribution Phase On today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group, will talk about the distribution phase of retirement. They talk about the 4% rule, i.e., the withdrawal rate that suggests you wouldn't outlive your funds once you retire.   Episode Highlights ·         02:05: Bill and Andy talk about popularly known withdrawal rate strategies with different asset allocations and looked back at historic returns and came up with the idea that if you started your first year of retirement withdrawing 4% in most models your savings wo...2023-06-0118 minThe 1World Community Radio ProgramThe 1World Community Radio Program1World Community Radio Airwave Special - Andy Gladding And Bill Schnee - A Chat With The Chairman 7 - 19 - 22 WRHUAndy Gladding interviews Recording Engineer and Producer Bill Schnee, West Coast Hitmaker and Godfather of Yacht. Bill tells stories from his book "Chairman at the Board," which details his 50+ years of experience recording and mixing hit records for artists such as Huey Lewis and the News, Pablo Cruise, Whitney Houston, Steely Dan and more. This is a musical voyage that will transport you to a world of smooth melodic sailing under sunny California skies.2023-04-291h 00Couples TherapyCouples TherapyBill CrisafiWe are HUGE fans of Bill Crisafi's art, so we were BOWLED OVER when he said he'd be on the pod, and boy oh boy, Bill does NOT disappoint! I'm not going to attempt to describe Bill's art here - go to his website or Instagram to see how great he is for yourself! Or just listen here and find out aurally! We talk about Bill's artistic process, how he met his bf by the blood moon, Bill's therapy journey and so much more! PLUS, obvi, we answer YOUR advice questions! If you'd like to ask your own advice...2023-04-181h 10Inside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersSpring Has Sprung In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group talk about their recent trip to San Diego for the National Association of Plan Advisors Summit, and share some stats from one of the presentations.     Episode Highlights ·         01:19: Spring has sprung and are folks looking forward to the summer and hopefully an improved economic climate. ·         01:32: One of the presentations that they did see at NAPA was, what is the American worker thinking right now and experiencing as you overlap that ont...2023-04-1220 minLate to Grid - Grassroots RacingLate to Grid - Grassroots RacingAndy Graham - BoltsandNuts.com - The Business Side of MotorsportsSend us a textAndy Graham is a 5th generation, fastener businessman and he shares not only his motorsports background, but also his business journey.He's also a bit famous and has been asked to sign autographs and people recognize the BoltsandNuts.com logo.  Andy and his company are big suppliers to some of the biggest names on YouTube and that has paid off in a big way for him and business.Wants wants get behind  the wheel of his 1LE Camaro and do some track days and maybe an autocross or two th...2023-03-1228 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersLiving Longer, Living Better In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group are going to talk about the concepts of living long and prospering. They discuss about the importance of saving and proper planning for your retirement.     Episode Highlights ·         02.38: It is very hard to visualize what aging has, what the effect of aging is on our bodies as we go forward. ·         04.18: How you behave is much more important than having a finance degree or the things that you exercise to actually...2023-03-0317 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersHow the SECURE ACT 2.0 will Affect YouIn today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group share what happened just before the New Year; some sweeping legislation was passed that had to do with retirement plans and retirement savings. It was called the SECURE ACT 2.0 and the “secure” part stands for setting every community up for retirement enhancement.   Episode Highlights 11: The secure part stands for setting every community up for retirement enhancement. Secure. 1.0 back then was just the Secure Act, was passed just a couple of years ago...2023-02-0118 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersNo Regrets...In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group take a look at top financial regrets. There is a certain saying out there and it goes something like this - NO REGRETS. Bill and Andy discuss the top 5 regrets often made by young and old Americans.     Episode Highlights 01:41: As per Bill, for most folks if you reach a certain age, probably you do have some sort of regret. If you don't, that's great, but that is very uncommon. 03:08: Fo...2023-01-0320 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersTake it to the Limit in 2023In today’s episode of the “Inside the Plan with the 401(k) Brothers”, host Bill Bush and Andy Bush, advisors at Horizon Financial Group take a look at changes in company retirement plan contribution limits for the coming year 2023 and will compare them with year 2022.   Episode Highlights 00:51: It is that time of year, that not only is fall or autumn, but it's the time of year that the IRS looks at contribution limits for the upcoming year and announces changes, if any. 01:48: Deferral limit for 2023 is going to be $22,500, an increase of $2000. If you are a p...2022-11-0719 minDr. Andy\'s Poetry and Technology HourDr. Andy's Poetry and Technology HourBill Gainer, Laura Martin, and Carol Lynn Stevenson GrellasOn the 10/12/22 edition of Dr. Andy’s Poetry and Technology Hour:Dr. Andy and caller Bill from Sacramento relive some magical moments in rock ‘n’ roll history and consider the various costs and benefits of engaging with social media. We then hear from Carol Lynn Stevenson Grellas, an upcoming feature at the Sacramento Poetry Center’s Ladies of the Knight poetry reading on October 17th, who reads us an eco poem celebrating death and new life. Later, poet Laura Martin joins us to talk about her upcoming projects, including a new book, Haiku for the Undead. She introduc...2022-10-131h 01Inside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersLet's Talk RecessionsIn today’s episode of the “Inside the Plan with the 401(k) Brothers”, host Bill Bush and Andy Bush, advisors at Horizon Financial Group take a look at the anatomy of a Recession, define what it is, what causes it and what are some of the traits around it.     Episode Highlights 01:30 – Recessions are not identified until they have passed and they've started to pass and leave. So it's kind of a look back to see when, and what causes the recession. 03:15 - Recessions are not rare they can occur several times during your lifeti...2022-10-0719 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersHSAs as a Retirement StrategyIn today’s episode of the “Inside the Plan with the 401(k) Brothers”, host Bill Bush and Andy Bush, advisors at Horizon Financial Group talk about HSAs as a Retirement Strategy. They take us through Health Saving Plans which can also act as retirement plans, and these health saving accounts can actually be valuable over time that you can access in retirement. Bill and Andy are going to go through some of the basics and how it might work in your situation.     Episode Highlights 01:00 – You can only have an HSA (Health Savings Accounts) i...2022-09-2219 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersWhat's The Plan, Stan?In today’s episode of the “Inside the Plan with the 401(k) Brothers”, host Bill Bush and Andy Bush, advisors at Horizon Financial Group talk about the Summary Plan Description of a 401(k) plan. Every participant should have a copy, and each plan's is unique....but what does it include? What's the Plan, Stan? The 401(k) Bros. break it down for you...   Episode Highlights 02:40 – First of all, they talk about who's eligible for the plan and what is Summary Plan Description. 4:45 – The Summary Plan Description answers all the questions that you might have in your mind an...2022-08-3017 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersGenerational Investment Behavior: Baby BoomersIn today’s episode of the “Inside the Plan with the 401(k) Brothers”, host Bill Bush and Andy Bush, advisors at Horizon Financial Group, in their ‘Generation’s Series’, talk about the investment behaviors of ‘Baby Boomers’, the generation which includes the birth years 1946 to 1964.     Episode Highlights 01:30 – In the US, the ‘Baby Boomer’ generation comprises about 70 million people. 03:35 - Among the Baby Boomer generation, an EBRI survey found that 46% of this group reported accruing less than needed savings for retirement. 05:30 - Some boomers have said that they're going to need to work longer to pay off debt, b...2022-07-2215 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersGenerational Investment Behavior: Gen XIn this episode of the “Inside the Plan with the 401(k) Brothers”, hosts Bill Bush and Andy Bush, advisors at Horizon Financial Group, continue their ‘Generation’s Series’ where they go generation-by-generation and talk about some of the saving habits and what's on the minds of individuals. So, in this episode of the ‘Generation’s Series’, they will continue talking about ‘Gen – X’ and their behavior when it comes to retirement and savings.     Episode Highlights 01:20 – People who were born in 1965 through 1980 come under Generation X, which is a pretty cool generation. 03:10 – According to a couple of researchers, by abo...2022-05-2322 minScaling Up Business with Bill GallagherScaling Up Business with Bill Gallagher309: Andy Buyting — Increasing Sales without Hiring More SalespeopleWhen trying to scale, too many companies think that their only option is to hire more salespeople. But today’s guest argues that adding more salespeople to your team is not the answer at all.   Andy Buyting is a serial entrepreneur, learning junkie, and Scaling Up coach who brings over 20 years of sales, marketing, operations, business development, entrepreneurship, management, and executive experience to his clients. He is the founder of Tulip Media Group as well as various real estate developments and is the author of Double Sales/Zero Salespeople.   Andy has join...2022-05-1146 minBe Customer LedBe Customer LedAndy Binns on Innovation and Identifying Corporate Explorers“The good corporate explorers puncture the bubble that leadership teams often have around their business that makes them believe it’ll continue and continue and continue.”In the early days, innovation was viewed as a game best left to entrepreneurs, but a new breed of corporate executives reverses this logic. Corporate Explorers possess the knowledge, tenacity, and discipline necessary to overcome barriers and launch new initiatives inside even the largest organizations.This week on Be Customer Led with Bill Staikos, we welcome Andrew Binns, co-founder of Change Logic, a Boston-based strategic advising firm. Additionally, he is a c...2022-05-0439 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersGenerational Investment Behavior: MillennialsIn today’s episode of the “Inside the Plan with the 401(k) Brothers”, host Bill Bush and Andy Bush, advisors at Horizon Financial Group, continue their ‘Generations Series’ where they go generation-by-generation and talk about some of the saving habits and what's on the minds of individuals. So, in this second episode of the ‘Generations Series’, they're going to talk about Millennials and their behavior when it comes to retirement and saving as per surveys and other resources.     Episode Highlights 01:24 – Andy states that Millennials’ birth years include 1981 to 1996. So that makes these cohorts 25 to 40 or 4...2022-05-0317 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersGenerational Investment Behavior: Gen ZIn today’s episode of the “Inside the Plan with the 401(k) Brothers”, host Bill Bush and Andy Bush, advisors at Horizon Financial Group, initiate the ‘Generation’s Series’ where they would go generation-by-generation and talk about some of the saving habits and what's on the minds of individuals. The majority of this generation holds a certain characteristic trend as they're at different stages in their lives. So, in this first episode of the ‘Generation’s Series’, they're going to talk about Generation Z and their behavior when it comes to retirement and saving as per surveys and other resources.  ...2022-04-0620 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersTop Retirement DreamsIn this episode of “Inside the Plan with the 401(k) Brothers”, Bill Bush and Andy Bush, advisors at Horizon Financial Group talk about the 21st Annual Transamerica Retirement Survey, discussing the top 8 retirement dreams of workers, what the results were of that survey, and then give their feedback into that.     Episode Highlights 02:26 - One of the main things they always tell people is that plan for it, and be intentional about your retirement. 04:00 –Bill and Andy interviewed and surveyed all of them. It was interesting as the ideal concepts for all these four gro...2022-03-1018 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersNew Thinking for the New YearIn this episode of “Inside the Plan with the 401(k) Brothers”, hosts Bill Bush and Andy Bush, advisors at Horizon Financial Group talk about how the New Year is always a good time to plan for the upcoming year as well as reflect on the financial progress you've made.   Episode Highlights 01:25 – Andy mentions that in terms of the savings, especially in the company retirement plan, the new year brings some new opportunities because the contribution limits are going up. 03:18 – Andy refers to a book out there called ‘Thinking Fast and Slow’ by a behavioral scientist - Da...2022-01-0418 minCrisis What Crisis?Crisis What Crisis?34. Bill Browder on murder, guilt and living with fearBill Browder describes himself, with justification, as Vladimir Putin’s number one enemy. His best-selling book Red Notice – an autobiography that reads like a thriller - tells the story of how the grandson of one of America’s best-known communists became one of Russia’s most successful capitalists.Bill is founder of The Hermitage Fund which at its peak became not only the largest foreign portfolio investor in Russia but the best performing fund in the world. But when Bill fell foul of Putin’s personal agenda, he was suddenly and dramatically kicked out of Russia. Bill reacted by setting...2021-12-101h 11Inside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersWhat's (Possibly) Next in the 401(k) World?In this episode of “Inside the Plan with the 401(k) Brothers”, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about and review some legislative moves made right before the Pandemic  as the Secure Act was passed. They also look forward to and discuss several proposals on the board, which could affect individual savings and retirement plans including 401k, IRAs, IRAs, etc.   Episode Highlights: 02:40 – The hosts discuss about the ‘Secure Act’ which was passed in December of 2019. Under this act now that once you hit 72, you are required to take a minimum amount from a...2021-10-2921 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersBack to School with your 401(k): 2021 EditionIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about the ways to construct a plan that works for you and also discusses about the 5 points that participants need to follow during financial planning.   Episode Highlights: 1.48 – Andy says that people during summer go on a vacation and things they usually do get less focused and once school gets back in, they kind of get back into the routine. 3.05 – According to him, we need to look out in the future a little bit an...2021-09-0818 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersThings to Know About Social SecurityIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about Social Security benefits. They share some facts about the program works, how benefits are calculated, and mention resources to use so that you can make more informed decisions about when to apply for Social Security.   Episodes Highlights 00:56 –Bill and Andy want people to be aware about Social Security and invite them to the webinar, which is going to happen at the end of the month as they will discuss ins & outs of S...2021-07-1920 minThe Good StuffThe Good StuffA Chat With Bill Hirsch, Owner and Operator of Atwood House Bed and BreakfastIn this episode of The Good Stuff podcast, host, Andy Tomlinson interviews Bill Hirsch, owner and operator of Atwood House Bed and Breakfast. Bill shares his stories of being a butler for President Richard Nixon at Camp David and how it prepared him to own and operate the Atwood House.Episode Highlights:  Bill shares an interesting story about purchasing the Atwood House. (1:15) How long did it take Bill to renovate the house? (6:34) Bill shares how the pandemic has affected him and his business. (8:51) What's a normal menu for Bill? (11:01) Does Bill still host p...2021-06-2940 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersTime for a Personal Audit?In this episode of ‘Inside the Plan with the 401(k) Brothers’, Bill Bush and Andy Bush, advisors at Horizon Financial Group talk about the benefits of doing a personal audit and share some tips on how to do that.   Episode Highlights:                   01:18: - Andy says that last year during pandemic it seemed like there was almost a little bit more freedom as they were still working, but there weren't as many extracurricular activities going on. 03:20: - He says that he goes through some old pictures on phone and writes down some life events. 05:09: - Andy states that whe...2021-06-1414 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersAnswering Participants' QuestionsIn this episode of ‘Inside the Plan with the 401(k) Brothers’, Bill Bush and Andy Bush, advisors at Horizon Financial Group answer some of the participants' questions on Financial / Tax / Retirement Planning from their recent meetings.   Episode Highlights:   01:30: - Andy and Bush answer the first question which comes from a participant, “How much tax will I pay when I withdraw from my 401(k)”? 03:30: - They discuss if there is a certain age limit required for disbursements. 05:10: - Both the brothers give a detailed answer on query related to the limit on number of times o...2021-05-2517 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersRolling ForwardIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about returns, markets, and historical numbers associated with the S&P 500.  Episode Highlights:           01:12 – Bill Bush and Andy Bush talk about forms of volatility that have                           affected the stock market, like the pandemic.          02:32 – Every generation has its own big issues that affect the stock market.         03:06 – What can you learn from looking at the S&P 500 in various periods?         06:34 – How far out are you going to need the money that you are investing?         08:04 – Keep in mind that there...2021-04-0916 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersLove is in the AirIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about why getting life insurance is an act of love. They share insight into what goes into a term life insurance policy, how to estimate what you need from a policy, and more.   Episode Highlights:   Double check that your beneficiaries are correct on your plan, especially if you’ve gone through a life transition like a marriage or divorce. The primary beneficiary is the first in line and the contingent bene...2021-02-0519 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersPlanning to Make a PlanIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about planning for your plans, understanding that plans can go wrong, what things that can go wrong during retirement, and establishing a household budget.   Episode Highlights:   00:50 – Bill Bush and Andy Bush talk about the importance of planning. 02:09 – The year 2020 has been unpredictable financially. 04:00 – They discuss short-sided vs. long-term thinking. 04:53 – Be prepared the best you can for the unexpected. 06:40 – What things can go wrong in retirement? 08:28 – Past performance is no guarantee on future gain...2021-01-0416 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersThe 2020 Holiday SpecialIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about traditions of the holiday season at the end of the year, the importance of making a retirement wish list, changes that happen during retirement, and planning for the future.   Episode Highlights:   01:17 – What do Bill Bush and Andy Bush think about when the holiday eason arrives? 04:24 – What if you had a retirement wish book? 05:52 – How will you engage your time during retirement? 06:49 – Relationships and the people in your life take on more im...2020-12-1816 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersTime for a Change?In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about times and strategies to make changes in your 401(k) plans and your retirement savings.   Episode Highlights: 01:18 – Bill Bush and Andy Bush talk about how the change in seasonal weather can signal other changes in your life. 02:11 – Is it time to change your contribution rate? 03:31 – New Year's resolutions are a time to reflect on your investment changes.  05:16 – What can you do in the next 30 days to have a better outcome in your life?  0...2020-11-0613 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersHow Are You Behaving?In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about behavioral finance and statistics over a 20-year period of investing that JP Morgan has provided. They also discuss investment biases, the behaviors that impact your decisions, and how you can understand how to make better financial choices.   Episode Highlights:   01:00 – Bill Bush and Andy Bush talk about how your emotions during difficult financial times like the pandemic can affect your judgement and JP Morgan stats. 02:58 – What are the core emotions that i...2020-10-2222 minScaling Up Business with Bill GallagherScaling Up Business with Bill Gallagher221: Andy Clayton — Finding Your Sweet Spot and Playing within Your Genius ZoneAre you working on low-value things and not enough high-value action items? Do you dislike some of the tasks on your plate? What about your team? Today’s guest shares how you and your team can operate in their sweet spot and get good, and happy, work done. Andy Clayton leads Petra Coach Europe, the UK’s leading Scaling Up coaching company, and helps entrepreneurs and high-growth companies eliminate what’s getting in the way and focus on what truly adds value. Andy is also a long-time member of EO and the author of Sweetspot. Andy d...2020-08-1949 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersHow Do You Size up with this Survey?In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about the TransAmerica Center for Retirement Studies survey, how Baby Boomers, Generation X, and Millenials are approaching retirement.   Episode Highlights:   00:41 – Bill Bush and Andy Bush talks about the the TransAmerica Center                          for Retirement Studies survey. 02:18 – How confident are Baby Boomers are about retirement after                          COVID-19. 04:11 – Age 35 is the median age that Baby Boomer investors started                          saving for retirement. 04:45 – Baby Boomers are contributing 10% of their annual income. 06:02 – 68% either expect to or are already working past the age of...2020-08-0318 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersAndy Turns the Big 5-0!In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about Andy Bush turning 50-years-old. What ways is he approaching his retirement and which lifestyle changes matter to him more now? Learn strategies to let your retirement be a planned scenario instead of letting it creep up on you empty-handed.   Episode Highlights:   00:50 – Andy Bush talks about turning 50-years-old. 01:38 – How does turning age 50 affect Andy’s retirement plans? 03:32 – What age do people start focusing on retirement? 05:20 – Generation X is facing a lot of credi...2020-07-1616 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersLooking to Your Future SelfIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about how to prepare your retirement investments, how to prioritize your spending, and ways to improve the potential quality of life for your future self.   Episode Highlights:   0:43 – Bill Bush and Andy Bush introduce this episode’s subject regarding the future of retirement. 1:35 – It is hard for people to wrap their mind around the slow pace of incremental growth that retirement investing often yield.  3:40 – The decisions you make now have an impact on y...2020-06-1516 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersSaving and Spending During the Slow DownIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about the ways that our thoughts and behaviors impact our lives, the effects of COVID-19 on savings and spending habits, and how all of this has an effect on our 401(k) strategies.   Episode Highlights:   00:41 – Bill Bush and Andy Bush talks about Phase 1 of the pandemic. 02:47 – How does James Clear’s book Atomic Clear speak to how we approach our 401(k) plans? 05:41 – What are the stories you tell yourself, thoughts, beliefs, actions an...2020-06-0518 minThe Wedding Biz - Behind the Scenes of the Wedding BusinessThe Wedding Biz - Behind the Scenes of the Wedding Business257 THE NEXT LEVEL: SEAN LOW discusses BILL BAKER, Storytelling to Persuade, Influence, and InspireCould you be more productive with honing your storytelling techniques? Listen as Andy and Sean Low discuss Bill's insights into storytelling and how doing it more effectively can help you with prospective clients. Sean's consulting firm, The Business of Being Creative, focuses on providing practical advice to those in the business of being creative. His client list includes the who's who of the wedding industry and design community.  Andy is announcing the official launch of his new podcast network called The Wedding Biz Network, in which Andy will produce podcasts for other people in the event industry, w...2020-05-2014 minThe Wedding Biz - Behind the Scenes of the Wedding BusinessThe Wedding Biz - Behind the Scenes of the Wedding Business256 BILL BAKER: Storytelling to Persuade, Influence, and InspireWhen you hear a story, does it engage your brain? Listen as Andy and his guest Bill Baker discuss how to use storytelling in your communication to persuade, influence, and inspire people and the importance of making sure that your team, creative partners, and clients are clear on the story of your brand and mission. Behind every leader, brand, strategy, or idea, there's a story, and Bill makes these stories real. Listen, as Bill shares his definition of storytelling, how to use it to bring your company's ideas to life, and how to use storytelling to bring...2020-05-1845 minScaling Up Business with Bill GallagherScaling Up Business with Bill Gallagher202: Scaling Up Insights — Coach Panel with Daniel Marcos, Andy Clayton, and Judy GuidoWelcome back to another episode of Scaling Up Insights! We have guests Daniel Marcos, Andy Clayton, and Judy Guido to share their thoughts on the new developments happening in the World of Scaling Up.   Andy is the Lead Coach at Petra Coach Europe and has helped Western companies operate over $50 million in sales in China. Daniel and Judy are returning panel guests. Daniel is the Founder of the Growth Institute and coaches primary Latin American markets. Judy is the Chair of Guido and Associates and has overseen at least 100 several successful mergers and acquisitions. 2020-04-081h 21Bill and Andy Try To RecoverBill and Andy Try To RecoverWelcome to Bill and Andy RecoverThis is a podcast about learning to live life free from drug/alchol addiction from Bill and Andy.  Two former drunk junkie tweakers from El Dorado, AR. Episode 1 is basically an introduction to Bill and Andy's thoughts and ideas on active addiction and their road to recovery.  We would like to hear your thoughts on this podcast and what topics you would like to hear about.  Email us at billandandyrecover@gmail.com2020-04-0800 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersHey, Can I Retire Now?In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, address a question that often comes up when they are working with their clients, can I retire now? In many cases, this involves early retire. Bill and Andy offer tips on how to prepare for making this pivotal financial decision.   Episode Highlights:   0:49 – Customers often ask Bill Bush and Andy Bush about whether or not                        they can retire early. 1:30 – What is the number one thing to think about when thinking                        ab...2020-01-2316 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersTake It to the LimitIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, discuss the pre-2001 Tax Act changes regarding 401(k) plans, new contribution rates for 2020, as well as the rates for simple IRAs, IRAs, and Roth IRAs, and benefits you receive if you turn 50 during 2020.   Episode Highlights:   0:37 – Bill Bush and Andy Bush reflect on the first episode of this podcast. 1:17 – What are the differences between the pre-2001 Tax Act and now regarding 401(k) plans? 1:48 – Is maxing out 6% or is that a different amount? 2:38 – What is th...2019-12-0314 minGet Attitude Podcast with Glenn BillGet Attitude Podcast with Glenn BillBooster #1: Andy Andrews From Homelessness to Best-Selling AuthorIn order to center your attitude towards "nice" you must control your emotions. It can be a difficult task on a normal day but what if we're burdened by tragedy and hardship. Our guest today, Andy Andrews knows all about the unexpected difficulties life can throw at you and how difficult it can be to be nice through it all. Andy is the author of The Traveler's Gift and The Bottom of the Pool. Hailed by a New York Times reporter as "someone who has quietly become one of the most influential people in America," An...2019-10-2955 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersWhere Does It All Go?  In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, go through various budgeting scenarios based on average American age brackets, their typical household incomes, and the expenses that affect their spending.   Episode Highlights: 0:40 – Bill Bush and Andy Bush talk about household budgeting. 1:30 – If you are in your 20s or 30s, get into the habit of a household budget. 2:30 – Your best option 4:00 – What is the breakdown of the average American spender? 7:35 – People are spending beyond their means. 8:35 – What are the averages for taxes, foo...2019-10-1815 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersAre These Financial Anxieties Keeping You Up At Night ?In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, go through a checklist of financial anxieties and fears that typically keep people up at night.   Episode Highlights:   0:41 – Bill Bush and Andy Bush talk about sleepwalking and growing up on a farm in Indiana. 2:28 – What keeps you up at night and creates financial anxiety for you? 4:33 – Lack of confidence creates anxiety. 4:51 – Financial Anxiety #1 is retirement. 6:53 – Financial Anxiety #2 is money saved for education. 7:45 – Financial Anxiety #3 is life events. 10:09 – Financial Anxiety #4 is elder care. 11:35 – Fi...2019-09-3018 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersWhen is the Last Time You ...?In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, share the important questions you need to be asking yourself and your spouse to properly prepare for retirement and adjust your 401(k) plan accordingly.   Episode Highlights:   1:20 – Bill Bush and Andy Bush introduce the episode topic of when is the                        last time you have checked the balance and performance of your                        401(k) plan? 2:19 – There are tools to see where you stand in your 401k) plan. 2:59 – Bill tells a story of someone not viewing their 401(k) in over 10...2019-09-0513 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersDeveloping a Retirement VisionIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, share the various questions you need to be asking yourself in order to properly plan for retirement so that it doesn’t unexpectedly creep up on you later when you are unprepared.   Episode Highlights:   1:00 – Bill Bush and Andy Bush introduce the episode topic of developing a                        retirement vision. 1:20 – People often forget the transition into retirement. 2:25 – Married couples may live longer in retirement than expected. 3:07 – Think beyond the ‘honeymoon’ phase of retirement excitement and     ...2019-08-1514 min7 Figure Flipping with Bill Allen7 Figure Flipping with Bill AllenHFHQ 256: Andy McFarland on leadership, struggles, and profit ($3 million?!)…Listen to This EpisodeHey! Bill Allen here.I call Andy McFarland the “Godfather” of wholesaling.He’s one of the top wholesalers in the nation.He’s not involved in any of the day-to-day work in his business.He doesn’t touch any of the 100’s of transactions his company does per year.He’s the guy I was chasing when I started building my business.He’s the guy who showed me the way.So today, I’m catching up with him on the podcast to c...2019-07-2525 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersSurvey Says...In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about a Schwab survey of 1000 401k participants. Learn from Bill and Andy some of the key truths regarding retirement planning that were revealed and can be applied to your own life.   Episode Highlights:   0:20 – Bill Bush and Andy Bush introduce the topic of a Schwab survey that involved 401k participants. 1:41 – How much money do the survey participants feel they need to save for retirement? 2:07 – What is the safe withdrawal rate for annual r...2019-07-1617 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersA Conversation: We're Participants, TooIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about the main fears people have of retirement, the importance of paying down debts, and not getting bogged down by the past and focusing on what you can do to benefit your retirement right now.   Episode Highlights:   0:38 – Bill Bush and Andy Bush introduce the topic of “we’re participants,too.” 1:10 – What are the major fears around retirement? 2:38 – When do I want to retire and what is the spending going to look like? 4...2019-06-2814 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersI Don’t Know What to DoIn this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, address a a familiar comment from plan participants: "I don't know what to do!" Bill and Andy talk about the various retirement funding types for those who find themselves not knowing what to do, and how those options apply to various retirement goals. Also the 401(k) bros. talk about where to seek out answers.   Episode Highlights:   1:28 – What is involved in managed accounts? 3:09 – What is a target date fund? 5:49 – Which types of growth f...2019-06-1711 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersManaging Income in Retirement  In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Network, discuss what you need to know when managing your retirement income. Learn from Bill and Andy about common and potential financial sources of retirement funds, when to withdraw them, and what RMDs are.    Episode Highlights:   0:40 – Andy Bush describes some myths related to the transition into retirement. 2:14 – What are the common financial buckets people retire with? 5:49 – What are potential retirement income sources? 8:06 – When managing your withdrawals, what should be the proper order...2019-05-3115 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersWhat's Your Vesting Schedule?In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about what exactly “vesting” means, the various distinctions between vesting schedules, and the ways these vested money options operate.    Episode Highlights:   0:40 – Bill Bush shares where the word “vest” comes from. 1:03 – What does vesting mean? 2:14 – What is a cliff vesting schedule? 3:04 – How does a graded vested schedule work? 5:06 – How can safe harbor plans operate? 6:05 – What should you know about loans for vested money? 6:43 – What can prevent you from getting your employer match money? 7:57 – Which...2019-05-1510 minThe Wedding Biz - Behind the Scenes of the Wedding BusinessThe Wedding Biz - Behind the Scenes of the Wedding Business130 BILL BOWEN: Videography With HeartBill Bowen is the Founder and President of Suburban Video based out of Rockville, Maryland though he travels worldwide. Being able to look back and watch a video, that was so artfully created, is a gift that the rest of us can enjoy for the rest of our lives. Knowing how to capture all the precious moments, and the details that become so emotionally impactful, are what Bill is so gifted at doing. Join us today as we discover why Bill finds his job so satisfying and learn why it’s his heart that guides him. Prior to becoming a...2019-02-2546 minPower of Place - Stories of the Pacific NorthwestPower of Place - Stories of the Pacific Northwest🎧 Power of Place Episode #8 | Orangutan Lofts - Bill Parks and Andy ParksStrap on your toolbelt, pull up your work-boots and join Edward for a constructive discussion with father-son developer duo Bill Parks and Andy Parks. Bill reminisces about his many innovative residential projects, including Stonewater Lofts in Fremont, a site-specific installation inspired by the orangutan habitat at Woodland Park Zoo and re-created with the help of zoo designers, and Fremont Lofts, influenced by the steep townscapes of Umbria and Tuscany. After decades building Seattle as a contractor, Bill now uses his hands-on experience with materials and techniques, and collaboration with local artisans and fabricators, many of them friends, to make ingenious...2018-12-2850 minOur Town with host Andy Ockershausen - Homegrown HistoryOur Town with host Andy Ockershausen - Homegrown HistoryBill Lord – Author and Retired News Director at WUSA9 and WJLABill Lord's underlying reason for writing, "50 Years After Vietnam: Lessons and Letters from the War I Hated Fighting"~ "I think a lot of us retired and thought, 'I've to get this off my chest.' Because remember, I got back from Vietnam on a Friday and started school again on the next Monday. I put it out of my mind. Honestly, I didn't talk about it much at all. Lots of people didn't even know I'd been to Vietnam." Bill Lord, Author and Retired News Director at WUSA and WJLA, and host...2018-12-0400 minInside The Plan With The 401(k) BrothersInside The Plan With The 401(k) BrothersA Quick Look at Social SecurityIn this episode of Inside the Plan, Bill Bush and Andy Bush, Advisors at Horizon Financial Group give us more information about social security. They talk about what social security is and what we can do about it.     Show Notes:   1:00--- Social Security was taken for people to take at 62 when life expectancy was 58. IT was a source of emergency income. 1:52--- Myth: Social security is predicted to be depleted by 2034. 2:20--- Legislation needs to be made to correct the shortcomings of Social Security. 4:00--- Be sure you know what you...2018-11-1910 minScaling Up Business with Bill GallagherScaling Up Business with Bill GallagherAndy Molinsky - Reach Beyond Your Comfort ZoneToday’s podcast is all about reaching beyond your comfort zone. You’re never really finished doing good work, but with that, come some tests to your limits. How can you go above and beyond while also being comfortable with the uncomfortable? Today’s guest has the answers!   Andy Molinsky is a Professor at Brandeis University’s International Business School, with a joint appointment in the Department of Psychology. Andy received his Ph.D. in Organizational Behavior and M.A. in Psychology from Harvard University. Andy’s extensive knowledge helps people develop the courage to act outside...2018-05-2336 minNeuro Performance By Andy MurphyNeuro Performance By Andy MurphyEpisode #197: Steve jobs, Steven Hawking, Gandhi, Bill hicks, Henry Ford, Elon Musk, Michelangelo and my grandma.Episode #197: Steve jobs, Steven Hawking, Gandhi, Bill hicks, Henry Ford, Elon Musk, Michelangelo and my grandma. In this episode, I share quotes and relate them to your life from Steve jobs, Steven Hawking, Gandhi, Bill hicks, Henry Ford, Elon Musk, Michelangelo and my grandma. This is gamechanger of a podcast and make sure you click on the links below. ________________________________________________ "WORLD'S FIRST" BUSINESS BRAIN ASSESSMENT  Take Your Assessment Here ____ LOVE THIS SHOW??? Listen, Subscribe and Pls Write a Quick Review Itunes >>>https://goo.g...2018-05-171h 23The Confident Wealth PodcastThe Confident Wealth PodcastAll About Retirement Plans with Andy BushAll About Retirement Plans with Andy Bush Summary: The hosts of The Confident Wealth podcast Bill Bush and Peter Bush open up this episode to the topic of retirement plans with Andy Bush – the head of the retirement plan division of Horizon Financial Group. The three Bush brothers discuss the important retirement plan designations that advisors should equip themselves with. They also talk about the six steps of “The 401k Confidence System” and the eight steps of “The 401(k)onfidence Scorecard” that were both created internally at Horizon Financial Group. Time Stamped Show Notes...2018-03-0100 minScaling Up Business with Bill GallagherScaling Up Business with Bill GallagherAndy Buyting - Become a Thought LeaderYou’re knowledgeable, right? So how come you’re not known for what you know? How come you’re not the thought leader in your field? Well, if you’ve ever wondered, then this is the show for you. Bill and his guest dive in on the steps it takes to become a thought leader.   Andy Buyting is a full-time CEO and a part-time Gazelles business coach. Andy is a leader in brand positioning and thought leadership. His strategy of “Owning the Ink in Your Industry” has served both himself and his countless clients exceedingly well. On top...2018-02-0741 minComic Book Bears PodcastComic Book Bears PodcastComic Book Bears Podcast Issue #124 - With Special Guest Andy Mangels!In the first part of this new episode, Bill Zanowitz interviews Andy Mangels! Andy is a man of many pop culture credits including authoring novels, comic books, and magazine articles and producing DVD collections. Andy is here to discuss the recent Wonder Woman 77 Meets The Bionic Woman from Dynamite and DC which he wrote and which has recently been released in a collected edition. Apart from taking us through this historic first meeting between Princess Diana and Jaime Sommers, Andy also discusses his long standing role in fandom, his work with Gay Comix, his moderating of the first Gays i...2017-11-221h 59Scaling Up Business with Bill GallagherScaling Up Business with Bill GallagherAndy Bailey - The Illusion Of Work-Life BalanceAndy Bailey is a serial entrepreneur and author of No Try Only Do. He is also the Founder and Lead Coach of Petra Coach, an entrepreneurial coaching firm. Today’s show is all about the illusion of work-life balance and how we can bridge the gap between those two more seamlessly. Andy and Bill also discuss how language plays an important role on how you show up to others, which is why you should get rid of the word ‘try’ in your vocabulary. How does the concept of ‘no try, only do,’ which was originally said by Yoda, show...2017-06-2138 minOur Town with host Andy Ockershausen - Homegrown HistoryOur Town with host Andy Ockershausen - Homegrown HistoryBill Regardie – Bon Vivant, Raconteur and Man About TownIn this all new Season One episode of Our Town, host Andy Ockershausen takes a walk back in time with bon vivant, raconteur and man about town, Bill Regardie. Bill looks back on his humble beginnings in "Our Town", how he came to start and own one of the most successful Washington DC magazines during the 80s - Regardie’s Magazine. He also discusses his involvement as co-owner of New Homes Guide and Housing Data Reports. As Regardie's story unfolds you'll find that he was academically challenged until he received a tip from his wife, Renay. If...2016-09-2900 min7 Figure Flipping with Bill Allen7 Figure Flipping with Bill AllenHFHQ 124: How Andy Went from 0 to 160 Deals a Year: WebinarListen to This Episode (Audio Version for Podcast)Years ago, I knew nothing about real estate.  The same is true for Andy McFarland… when he first got into real estate, he didn’t even know what wholesaling was.We all start somewhere.  For most of us, that means starting at square one… and that was definitely the case for Andy and me.But today, Andy runs a $2,000,000+ per year wholesaling business.If he can start with nothing and grow a hugely successful business, you can, too.  So how did h...2016-02-221h 277 Figure Flipping with Bill Allen7 Figure Flipping with Bill AllenHFHQ 103: The 2 Things Andy Did to Reach $2 Million in Annual Wholesale Fees (Plus a HUGE Announcement…)Listen to This EpisodeI can’t believe how long it’s been since I’ve had my good friend and “partner in crime” Andy McFarland on the show!Today, Andy and I catch up on where his business is at and what he’s been up to… and yes, we get into the numbers!  Andy shares the 2 things he did to take his wholesaling operation from low 6-figures of revenue per year to closing on $2 million today… and we talk about the importance and value of connecting with the right mentors, and tell you how to d...2015-11-0550 minhwnmusiclives\'s Podcasthwnmusiclives's PodcastAndy Iona Dreams BigBorn in 1902 in Honolulu, Andy Aiona Long was a musician’s musician who wanted nothing more in life – from the very earliest age – than to compose and perform music. Believing this life a very real possibility for him since he was born into a family of musical virtuosos, Andy quit Kamehameha School and tried his hand at a career as a full-time musician.  Things seem to have worked out for the talented young man since Iona went on to become one of Hawai`i’s most well known, well respected, and influential musicians – breaking new ground along the way. Ed...2014-09-2611 min