Horizon Advisers Unleashed Podcast

Artificial Intelligence is everywhere—helping you write emails, plan trips, even build budgets. But can it answer life's biggest financial questions? In this episode of Horizon Advisers Unleashed , Ryan and Andrew explore the promise—and limitations—of using AI for personal finance. From investing your life savings to figuring out if you can retire at 65, we break down where AI tools shine an...

When a loved one passes away, most people assume everything must go through probate—but that’s not always the case. In this episode, Ryan and Andrew break down what actually happens to financial accounts in a small probate case . They cover: Which accounts typically do go through small probate How to avoid probate altogether with simple planning What to know about jointly owned accounts, PODs, and...

In this episode, Alex and Andrew open up about one of the most under-discussed financial challenges— the real cost of being a working parent . From daycare to summer camps, after-school care to sick day backups, the expenses add up fast. And it’s not just about dollars — it’s also about time, energy, and career decisions that affect long-term financial outcomes. 👶 They unpack key questions like:...

Whether it’s a corporate layoff, restructuring, or an unexpected termination, the financial shock can feel overwhelming. But the steps you take in the first few days and weeks can make a big difference in your long-term stability. They walk through the key questions and decisions: What immediate actions should you take to stabilize your finances? How do you handle health insurance, severance, and...

Andrew and Alex are joined by guest Andrew Maurer, who is a licensed attorney in Grosse Pointe Woods, Michigan. Maurer has also trained in comedy writing with the Second City and a SNL television writer. Maurer served for four years as a creator/writer/producer for “Master Comics LLC.” an independent comic book label which he helped bring onto the national and international market, before leaving...

In this special lifestyle episode of the Horizon Advisers Unleashed podcast, Andrew sits down with Ryan to hear all about his recent family getaway to one of the most breathtaking places on earth—Bora Bora. 🌴🌊 They talk about: What it’s really like to wake up in an overwater bungalow The unexpected moments that made the trip unforgettable Balancing adventure and relaxation with kid in tow Why ta...

In this thought-provoking episode of the Horizon Advisers Unleashed podcast, Ryan and Andrew tackle a topic that doesn’t get discussed enough: oversaving . 💰⏳ While most financial advice focuses on saving more, some people take it to the extreme—delaying joy, deferring experiences, and constantly fearing they haven't saved enough... even when they have. In this episode, they explore: The di...

Struggling to control your spending—even when you know better? You’re not alone. In this episode of Horizon Advisers Unleashed , Andrew and Ryan explore the habits, emotions, and triggers behind overspending. From impulse buys on Amazon to lifestyle creep and "emotional swiping," they explain why simply creating a budget isn’t enough. You’ll learn practical strategies to shift your minds...

In this laid-back lifestyle episode of Horizon Adviser Unleashed Podcast, Ryan and Andrew take you to the stunning mountains of Whistler, Canada. Joined by Alex, Matt, and Scott, the crew shares highlights from their recent getaway—from exploring the scenic village and local food spots, and all the outdoor activities that can be enjoyed during the summer. Whether you’re a snow lover, a travel junk...

Heard the term HSA but not quite sure what it means—or why so many financial professionals rave about it? In this episode of Horizon Advisers Unleashed , Ryan and Andrew break down the Health Savings Account: what it is, who it’s for, and how it can be a triple tax-advantaged powerhouse for your finances. Whether you’re new to HSAs or want to maximize one you already have, this episode will leave...

You walked across the stage, threw your cap, and now reality hits: student loans. In this episode of Horizon Advisers Unleashed , Ryan and Andrew tackle the big question facing new grads—“I’ve got debt… now what?”  Whether you’re just entering the workforce or navigating repayment options, this episode breaks down the key financial moves that can help you build momentum—not stress. From choosing r...

In this episode of Horizon Advisers Unleashed , Alex Dinser sits down with his friend and business partner Michael Messer for a candid and insightful conversation about what it really takes to grow a successful business in the financial services world. Michael shares his journey from advisor to OSJ (Office of Supervisory Jurisdiction), detailing the lessons learned along the way and how his leader...

 In this episode of Horizon Advisers Unleashed , Ryan and Andrew break down the emotional and financial factors that come into play when deciding to take the leap into entrepreneurship. They’ll share personal experiences, client stories, and the key financial questions you need to answer before handing in your notice. Whether you’re dreaming of launching your own firm, starting a passion project,...

Striking the right balance between your career and personal life can feel like chasing a myth—especially in today’s always-on culture. In this episode, Alex and Andrew dive into what work-life balance really means, why it's so different for everyone, and how they personally try to make it work. From managing client demands and growing a business to being present with family and finding time t...

When it comes to financial advice, not everything you hear is worth following — and some of it can even set you back. In this episode of Horizon Advisers Unleashed , Andrew and Ryan dive into what makes financial advice truly dangerous and why common money myths continue to mislead people. From "real estate is always a guaranteed investment" to "you’ll be in a lower tax bracket in r...

In this episode, Ryan and Scott break down the fundamentals of credit —what it is, how it works, and why it matters. They start by clearing up the confusion between credit vs. debit , then dive into how credit cards function, interest rates, and the mechanics behind building a credit score . Whether you’re just getting started or want to sharpen your understanding, this conversation covers: ✅ Wha...

Rory McIlroy’s journey to winning The Masters was filled with ups, downs, and near-misses — and in this episode, Ryan and Andrew draw the powerful parallels between championship golf and successful investing. From steady starts to mid-game stumbles and final-round comebacks, the guys explore: ⛳ How emotional control can be your biggest asset 📈 Why sticking to your strategy matters — even when th...

In this episode of Horizon Advisers Unleashed , host Alex Dinser welcomes back Sandy Mall , founder and senior partner of Mall Malisow & Cooney, PC, to break down the SECURE Act and its impact on retirement and estate planning. This landmark legislation has changed the rules for inherited IRAs, required minimum distributions (RMDs), and tax strategies —and understanding these changes is crucia...

In this episode of Horizon Advisers Unleashed , host Alex Dinser sits down with nationally recognized estate planning and elder law expert, Sandy Mall , to unravel the complexities of probate, estate administration, and elder care law . As the founder and senior partner of Mall Malisow & Cooney, PC, Sandy brings decades of experience guiding families through the legal landscape of estate plann...

Join Ryan Kus and Andrew Hinrichs as they break down the essential first steps to creating a budget that actually works. Whether you're just starting out or looking to fine-tune your finances, they’ll walk you through key strategies like tracking expenses, setting realistic goals, and avoiding common budgeting mistakes. Learn how to take control of your money and build a financial plan that a...

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 expl...

Money Red Flags in a Partner: What to Watch For!  When it comes to relationships, love might be blind—but your wallet shouldn’t be!  On this episode of Horizon Adviser Unleashed , Ryan and Andrew dive into the biggest money red flags you should watch for in a potential partner. From secret debts and reckless spending to mismatched financial values, we’re breaking down the warning signs that could...

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...

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 stra...

In this episode of Horizon Advisers Unleashed , Ryan Kus and Andrew Hinrichs dive into the world of side hustles—are they a smart financial move or just another source of burnout? They break down the pros and cons, discuss when a side hustle makes sense, and share the best ways to turn extra income into long-term wealth. 🔹 When does a side hustle help (or hurt) your financial plan? 🔹 How to choo...