Horizon Advisers Unleashed Podcast

Many people in their 40s and 50s feel like they're being pulled in two directions at once. They're helping their children pay for college, first homes, or everyday expenses while also stepping into the role of caregiver for aging parents. Welcome to the Sandwich Generation. In this episode, Ryan Kus and Andrew Hinrichs discuss the financial and emotional challenges of balancing multiple...

If you're earning more money than ever before but still feel like you're falling behind, you're not alone. In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs tackle a surprising reality: many high-income earners are experiencing significant financial stress despite making $250,000, $500,000, or even more per year. How is that possible? The answer often has l...

Why do some people naturally save while others struggle to hold onto money? Why do certain financial decisions feel easy for one person and stressful for another? In this episode, Andrew joined by guest Dr. Nick Phillips explore the powerful connection between family origin and financial behavior. They discuss how the money messages we receive growing up—from our parents, grandparents, and early l...

In this episode, Alex and Andrew sit down with Dennis Weiss for a wide-ranging conversation on entrepreneurship, leadership, investing in sports, and the mindset required to succeed in business today. Dennis shares insights from his own experiences building businesses, navigating challenges, and spotting emerging opportunities in evolving industries. 

Most people think financial planning is something you “get to later.” But what if the people closest to the ground—young, hungry advisors building from scratch—actually have the clearest perspective on what works? In this episode, Andrew sits down with Dylan Woebkenberg, a Certified Financial Planner® who’s built his career from the ground up, to break down what he’s seeing firsthand with clients...

No savings. No investments. Just a fresh start. In this episode of Horizon Advisers Unleashed , Ryan Kus sits down with CFP® Brad Spindler to break down a simple, step-by-step game plan for building wealth from scratch. No hype. No complicated strategies. Just what actually works. 👉 If you’re in your 20s, 30s, or even 40s and feel like you’re working hard but not getting ahead… this episode is fo...

Buying a home is one of the biggest financial decisions you’ll ever make — but most people focus on the paint colors and forget the financial strategy. In this episode, Ryan and Andrew break down the Top 10 things you should do when buying a house — before you make an offer, during the process, and after you get the keys. From credit scores and mortgage strategy to emergency reserves, insurance ga...

Alex and Andrew discuss the Big Beautiful Bill, focusing on some key parts of the new legislation that will affect consumers & retirees. 

In this episode, we talk with Drake Filippis , Associate Broker at Signature Associates, about his path from mortgages and residential sales into commercial real estate  Drake Filippis. Drake shares the moment he knew commercial was his future, how his father’s career influenced him, and why specialization matters in larger, more complex real estate deals.  He also breaks down who he serves in Mic...

Open enrollment can feel like a blur of forms, jargon, and guesses — but the choices people make in these few weeks have a massive impact on their finances for the entire year. In this episode, Ryan and Andrew break down the most common mistakes employees make when selecting benefits… and the simple, strategic moves that can save real money. From HSA vs. PPO decisions, disability insurance pitfall...

The final month of the year may be filled with holiday distractions, but it’s also where your financial year is won or lost. In this episode, Ryan and Andrew break down the high-impact money moves to make before December 31 — from tax-loss harvesting and charitable gifting strategies to maxing out retirement and HSA contributions. We’ll cover the exact contribution limits for 2024/2025, critical R...

November marks National Long‑Term Care Awareness Month — an ideal time for a proactive, no-fear conversation about long-term care (LTC) planning, the risks Americans face if they wait, and how to incorporate LTC strategies into a comprehensive financial plan. In this episode, Ryan and Alex will dig into the latest statistics on LTC need and cost, explore key misconceptions, and provide actionable...

In this laid-back Horizon Advisers Unleashed lifestyle episode, Ryan and Andrew share their favorite local spots, unexpected adventures, and the simple joys that come from hitting pause and exploring somewhere new.  From Sedona’s spiritual energy and breathtaking hikes to Maine’s charm, lobster rolls, and ocean views, the conversation blends travel inspiration with real talk about work-life balanc...

In this episode of Horizon Advisers Unleashed , Alex Dinser and Andrew Hinrichs sit down with John Diehl , Vice President of Hartford Funds and expert in behavioral finance, to explore how retirement planning has evolved beyond just numbers and nest eggs . Together, they unpack the concept of the “Freedom Paradox” — why having more time and choices in retirement doesn’t automatically mean greater...

You’re saving for your kids’ college, trying to build your own retirement, and suddenly… your parents need help too. Welcome to the Sandwich Generation — where financial planning meets emotional juggling. In this episode of Horizon Advisers Unleashed , Ryan and Andrew unpack the unique financial challenges facing people caught between supporting aging parents and raising children. From managing ca...

Reaching that first million in net worth or investable assets is a major milestone — but it’s not the finish line. It’s the point where financial complexity, taxes, and lifestyle decisions start to multiply. In this episode of Horizon Advisers Unleashed , Ryan and Andrew break down what life looks like after you cross seven figures. They’ll talk about how your mindset, goals, and financial strateg...

We all know what we should do with our money — update beneficiaries, review insurance, create an estate plan, rebalance investments. But why do so many people procrastinate when it comes to their finances? In this episode of Horizon Advisers Unleashed , Ryan and Andrew dig into the psychology behind financial inertia — the invisible force that keeps people from taking action. They’ll explore commo...

We’ve all said it before: “I knew that stock was going to crash.” Or “Of course interest rates had to go up.” But did we really know? Or are we falling into one of the most common behavioral finance traps: hindsight bias. In this episode of Horizon Advisers Unleashed, Alex and Andrew break down why our brains love to trick us into believing the past was predictable, how this false sense of certain...

Starting a business is exciting—but it’s also filled with decisions that can shape your success for years to come. In this episode of Horizon Advisers Unleashed , Ryan and Andrew break down the essential things every new entrepreneur should think about before hanging up their first “open” sign. From choosing the right business structure to understanding your tax responsibilities, they’ll walk thro...

In this episode of Horizon Advisers Unleashed , Ryan and Andrew break down one of the most important levers in the economy—the Federal Funds Rate. With the Fed holding steady but markets buzzing about possible cuts before year-end, what might actually happen with interest rates in the coming months? More importantly, how does this affect your wallet—from mortgages and credit cards to investments,...

September is  Life Insurance Awareness Month , and Ryan Kus and Alex Dinser are breaking down why this conversation matters for every household. In this episode of Horizon Advisers Unleashed , they walk listeners through the role life insurance plays in protecting your family, preserving wealth, and ensuring financial security. Ryan and Alex cover the key things you should consider, including: How...

The old idea of retiring at 65 doesn’t fit today’s world. In this episode of Horizon Adviser Unleashed, Ryan Kus and Andrew Hinrichs break down why retirement is no longer a single finish line, but a series of life stages that blend work, purpose, and financial freedom. From longer life expectancies and rising healthcare costs to phased retirements, Gen X challenges, and new definitions of wealth,...

Healthcare Bridge: Before Medicare Kicks In Retiring before 65 sounds great—until you realize one big problem: Medicare doesn’t start until age 65. So how do you cover healthcare in those “in-between years” without draining your savings? In this episode, Ryan and Andrew break down the real options for pre-retirees: COBRA, ACA marketplace plans, spousal coverage, part-time work with benefits, and e...

In this eye-opening episode of Horizon Advisers Unleashed , Andrew and Ryan explore a surprising new trend: being smart with money is becoming one of the most attractive qualities you can have. 💡 Gen Z is rewriting the dating and lifestyle playbook—skipping expensive nights out, favoring meaningful (and budget-friendly) experiences, and putting savings and debt payoff ahead of flash and excess. W...

In this episode of Horizon Advisers Unleashed , Ryan and Andrew explore a growing trend in the financial world: retirement coaching . It’s no longer just about the dollars and cents. More firms are helping clients answer deeper questions like: “What’s next for me?” and “How do I live a meaningful life after work?” We dive into how retirement coaching addresses the emotional and psychological aspec...