Horizon Advisers Unleashed Podcast

In 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...

In this insightful two-part series of the Horizon Advisers Unleashed Podcast , Ryan Kus and Alex Dinser dive deep into the emotional side of money management. They explore how emotions influence financial decisions, the psychology behind spending and saving, and strategies to stay rational in times of financial stress. Part 2 takes a deeper dive into overcoming common emotional pitfalls, such as f...

In this insightful two-part series of the Horizon Advisers Unleashed Podcast , Ryan Kus and Alex Dinser dive deep into the emotional side of money management. They explore how emotions influence financial decisions, the psychology behind spending and saving, and strategies to stay rational in times of financial stress. In Part 1, they focus on identifying emotional triggers and their impact on eve...

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...

In 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...

In 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 i...

In 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...

In this episode of Horizon Adviser Unleashed , Alex Dinser interviews Dr. Zachary Hall, radiology resident and author of The Family Friendly Guide to Becoming a Doctor . Dr. Hall shares his journey from Troy, Michigan, to becoming a medical professional, including insights from his book, which provides a comprehensive roadmap for aspiring doctors. They discuss his passion for education, his time i...

In this episode of Horizon Advisers Unleashed , Andrew and Ryan dive into one of the most common questions for savvy savers: What’s next after I’ve hit the limit on my 401(k)? They explore exciting strategies to help you keep building wealth, including tax-advantaged options, the role of Roth IRAs, and creative ways to leverage brokerage accounts. Discover how to prioritize your financial goals, g...

In 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 a...

Join hosts Ryan and Scott in this episode of the Horizon Advisers Unleashed Podcast as they break down nine essential money moves to jumpstart your financial future in your 20s. Whether you’re just beginning your career, paying down student loans, or thinking about investing, Ryan and Scott provide practical strategies for building a solid financial foundation. From budgeting basics to retirement...

On this episode of the Horizon Advisers Unleashed Podcast , Ryan and Alex have a conversation about double-checking your estate plan. They explore why it’s essential to ensure that all assets are titled properly, that beneficiary information is up to date, and, for business owners, that assignments and operating agreements are in place. Join them as they share practical insights to help you safegu...

Join 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 t...

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, evalua...

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 st...

On the Horizon Advisers Unleashed Podcast, Ryan and Alex discuss the topic of charitable giving, focusing on strategies to maximize tax benefits. They explore methods like using donor-advised funds, donating appreciated stock, and making qualified charitable distributions (QCD) to help listeners optimize their charitable contributions. Ryan and Alex also emphasize the importance of timing charitab...

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 a...

In this episode of Horizon Adviser Unleashed , Alex interviews Tom Barrett, Managing Director at Hartford Funds, as they explore groundbreaking insights from Dr. Marc Milstein's study titled "Retain Your Brain." Together, they dive into the latest research on cognitive health, offering valuable strategies to maintain and strengthen brain function as we age. Whether you're inter...

In this episode of Horizon Adviser Unleashed , Ryan and Andrew cover what to do when your financial plan just isn’t delivering the results you hoped for. They discuss how to set realistic goals, the importance of understanding your cash flow, and the role a financial planner can play in getting you back on track. Whether you need to adjust your plan or take action behind it, they’ll offer practica...

In 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 Leelan...

The 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 cle...

Continuing the conversation, Andrew and Ryan debunk some common myths about politically focused investment strategies. They discuss how the U.S. economy remains stable even under single-party rule, and they challenge the idea that either party has a strong claim to fiscal responsibility. The hosts remind listeners that markets don’t care who’s in the Oval Office and that ingenuity and investment o...

In 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 conte...

Join Ryan and Andrew on this episode of Horizon Advisers Unleashed , where they dive into the crucial role of team building in a thriving business. Fresh off a recent team retreat, they share insights and experiences that highlight the transformative power of fostering strong connections within a team. Whether you're a seasoned leader or just starting out, this episode offers valuable takeawa...

Join Ryan and Andrew on the Horizon Adviser Unleashed Podcast as they dive into the crucial topic of estate planning. In this episode, they review an insightful article from Kiplinger, "8 Common Estate Planning Mistakes." Tune in to learn about the pitfalls to avoid when planning your estate and ensure your legacy is protected. Whether you're just starting to think about estate plan...