Ryan Kus, Alex Dinser, and Andrew Hinrichs

Horizon Advisers Unleashed Podcast

As financial planners and business owners, we will discuss many topics. Our goal is to educate listeners on specific financial topics as well as conducting interviews of other business professionals. We hope you learn from their insight, stories, and experiences. Financial Advisor offering securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity Tax services are provided by Horizon Advisers. Cetera Wealth Services LL...

Author

Ryan Kus, Alex Dinser, and Andrew Hinrichs

Category

Education

Latest episode

Jul 8, 2026

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Episodes

#168 - Don't Fall into the "Cash Trap" 14.08.2024

In this episode of the Horizon Adviser Unleashed Podcast, hosts Ryan and Andrew delve into an insightful article from the Wall Street Journal titled "Americans Chasing High Interest Rates Risk Falling Into Cash Trap" by Vicky Huang. They discuss the potential pitfalls and financial risks Americans face while seeking high-interest rates for their savings. Ryan and Andrew analyze the key p...

#167 - Traveling to Italy 07.08.2024

In this exciting episode of the Horizon Adviser Unleashed Podcast, hosts Ryan and Andrew dive into their recent adventures in Italy. Join them as they explore the rich culture, stunning landscapes, and culinary delights of this beautiful country. From the historic streets of Rome to the picturesque coastlines of the Amalfi Coast, Ryan and Andrew share their personal experiences, travel tips, and f...

#166 - Paying Down Debt First, Then Start Investing 31.07.2024

Are you struggling with debt and unsure if you should start investing? In this episode of Horizon Adviser Unleashed, hosts Ryan and Alex tackle this common dilemma head-on. They explore why paying down debt should be your top priority and provide practical strategies to help you become debt-free before diving into the world of investing.

#165 - Explore the Wonders of Northern Michigan 17.07.2024

 In this episode,  we dive into a lifestyle segment where we share some of our favorite things to do in Northern Michigan. From exploring scenic trails and hidden beaches to indulging in local cuisine and visiting charming towns, we’ll take you on a journey through the best that Northern MI has to offer. Whether you’re a local looking for new adventures or a visitor planning your next trip, this e...

#163 - Navigating Inflation and Market Volatility: Strategies for Protecting Investments 10.07.2024

Andrew and Ryan provide valuable insights and strategies for protecting investments during inflationary periods, offering practical advice on managing risk and maximizing returns. From understanding the impact of inflation on various asset classes to expert analysis of market predictions and economic policies, this podcast equips listeners with the knowledge and tools they need to thrive in uncert...

#164 - Exploring the Psychology of Money 10.07.2024

Ryan and Andrew on "Horizon Advisers Unleashed" podcast as they dive deep into the insightful book "The Psychology of Money" by Morgan Housel. In this special book review episode, Ryan and Andrew unpack the key principles and thought-provoking concepts from Housel's exploration of the complex relationship between psychology and finance. Through engaging discussions and rea...

#162 - Your Making $500K a Year and Still Living Paycheck to Paycheck 26.06.2024

Some people who “make it” going bankrupt. What causes this to happen? Many believe it has to do with the people you surround yourself with. Andrew and Ryan discuss these theories while relating them to certain celebrity financial stories.

#161 - Recent Investment into Detroit 20.06.2024

https://stocks.apple.com/AaewKgjyMRr-0xRHEXEAFoA Andrew and Alex speak on the recent investments by billionaires into Detroit and how it is positively effecting the city.

#160 - Retirement Plans for Companies 12.06.2024

Welcome to the Horizon Advisers Unleashed Podcast, where hosts Ryan Kus and Andrew Hinrichs provide essential insights for business owners and HR professionals on their options for retirement plans. There are various retirement plan options available to companies, including SEP IRAs, SIMPLE IRAs, 401(k)s, and defined contribution plans. Understanding the unique limits, costs, and benefits of each...

#159 - Teaching Kids About Money 05.06.2024

Ryan and Alex, seasoned financial advisors with a passion for education, delve into the fundamental principles of financial literacy and explore innovative strategies for instilling these values in the younger generation. From budgeting basics to understanding the power of saving and investing, they cover it all with clarity, enthusiasm, and a touch of humor. Whether you're a parent seeking p...

#158 - Work as a Team with your Spouse to Achieve Financial Success 29.05.2024

Join hosts Andrew and Ryan on the "Horizon Adviser Unleashed" podcast as they dive into the intricacies of achieving financial success through teamwork with your spouse. In this episode, Andrew and Ryan, seasoned financial advisors, unlock the secrets to harnessing the power of collaboration within marriage to build a stable financial future. Discover practical strategies and actionable...

#157 - Planning for a Wedding 22.05.2024

Andrew and Alex discuss both the financial and emotional sides of planning a wedding. Getting married is an exciting time in your life, but it is also expensive! The guys share some advice for going through the wedding process based on their own experiences.

#156 - The Masters 15.05.2024

Join hosts Ryan and Andrew as they dive into the ultimate golf pilgrimage, recounting their unforgettable journey to the iconic Masters Tournament in Augusta. From the lush green fairways to the electric atmosphere, they share their firsthand experiences, insider tips, and memorable encounters. Whether you're a die-hard golf fan or just curious about the allure of this prestigious event, tune...

#155 - Retirement Savings 08.05.2024

Join Ryan and Andrew on the latest episode of "Horizon Advisers Unleashed" as they delve into the pivotal topic of retirement savings. In this episode, they dissect an article, offering listeners a straightforward method to gauge their retirement readiness at pivotal ages: 30, 40, and 50. At Horizon Advisers, we champion the importance of crafting a comprehensive financial plan tailored...

#154 - Horizon Advisers Is Upping Their Game With Digital Marketing in 2024 01.05.2024

Ryan and Alex discuss some of the project’s HA has been working on when it comes to education. We have invested in a studio in our Plymouth office. Here we will be producing a variety of video content that will be accessible on our YouTube channel. This will be short content available on a broad range of financial subjects. We have also started to record video for our podcasts to give another opti...

#153 - How to Take Control Over Your Finances in the Next 90 Days 24.04.2024

Ryan and Andrew discuss the importance of being in control of your finances. In a world where financial uncertainty is rampant, it's crucial to seize control of your finances. Whether you're drowning in debt, struggling to save, or simply seeking to optimize your financial health, this podcast is tailored to your needs.

#152 - 10 Brain Tips to Help Keep You Brain Healthy as You Age 16.04.2024

Alex and Ryan review some practical insights from Marc Milstein, PHD. Dr. Marc Milstein is a leading scientific researcher on neuroscience, health, and happiness. His insights provide science-based solutions to keep the brain healthy, lower the risk of dementia, boost productivity and maximize longevity. He earned both his Ph. D. in Biological Chemistry and his Bachelor of Science in Molecular, Ce...

#151 - Traveling to Jamaica 10.04.2024

Welcome to the Horizon Advisers Unleashed podcast with Ryan and Andrew! In this episode, we're taking you on a virtual journey to the captivating island of Jamaica. From its stunning landscapes to its vibrant culture, Jamaica has something for every traveler. Join us as we share our experiences exploring this Caribbean gem, discussing everything from the bustling capital of Kingston to the tr...

#150 - Liz Casselman Interview: 1031 Exchange and Real-Estate Attorney 03.04.2024

Andrew interviews their friend Liz Casselman. Liz is a Real estate attorney and partner at her family's law firm Halabu, P.C. She is also owner and Chief Operating Officer of Birmingham Title Agency and American Title Agency of Lenawee. She Earned her designation as a Certified Land Title Professional through the Michigan Land Title Association in 2023. Liz is also a licensed title producer a...

#149 -Keeping Good Mental and Physical Health 27.03.2024

Welcome to Horizon Advisers Unleashed, where we explore the intersection of mental and physical health to empower your lifestyle. Join us as we delve into practical strategies and expert insights to cultivate holistic well-being. From mindfulness practices to fitness routines, we uncover the secrets to maintaining optimal health in today's fast-paced world. Tune in to unlock the keys to a bal...

#148 - Terry Conway Interview 20.03.2024

Ryan interviews a good friend, Terry Conway, from National Home Lending. Terry is an expert in mortgages and has been in the business for decades. He shares some insight into where things have been in the current environment. They discuss the different types of mortgages and how to best prepare to get one. There is a lot involved in buying a house and working with a team may help you eliminate com...

#147 - Prepare for Your International Trip 13.03.2024

Andrew and Ryan discuss some of the important items to consider as you plan for international travel. Prepare for Your International Trip with These Financial Tips (cnbc.com)

#146 - Make This Your No. 1 Resolution for 2024 06.03.2024

Ryan and Andrew discuss an article found on CNN Business. “So make just one financial New Year’s resolution for 2024: Figure out what financial well-being means for you. It will be a highly personal endeavor. Then pick one or two steps to improve it.”

#145 -America's Biggest Financial Goals in 2024? Save More Money! 28.02.2024

Ryan and Alex discuss an article found in USA Today. They review the article touching on key findings: America’s financial goals, how Americans feel about the economy, and how Americans feel about their financial health. Listen in to take their take on these topics. https://www.usatoday.com/money/blueprint/banking/financial-new-years-resolutions-2024/

#144 - Don't be Complacent with Money Issues 21.02.2024

Ryan and Andrew discuss the importance of not being complacent with money issues. Being complacent in any part of life will set you up for failure. Using excuses like “I didn’t know,” can cost you a lot in life. You must have an understanding on what is going on in your financial situation and take control. Ignoring money issues can create bad habits…and as we all know…habits are hard to change.

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