Horizon Advisers Unleashed Podcast

Andrew and Alex discuss the potential greatest wealth transfer in history and what implications it could have on our economy. https://www.thedailyupside.com/economics/personal-finance/the-largest-wealth-transfer-in-history-has-begun/

Ryan and Alex ask the question are you saving the right way? With so many ways to save which ones are best for different goals. They discuss the different kinds of accounts available, pro's and con's, and tax benefits of those accounts. 

Ryan and Alex discuss leaving a second home as part of a legacy. Many people are emotionally tied to a property. Many wish to leave them behind for their kids or grandchildren. If you have thought about this before, you should listen and learn what you should think about when leaving real-estate to family. If you want a house to stay with your family beyond you, there is a lot of work and money in...

Andrew and Alex are joined by guest Tim Scaturro, who is a CFP® and registered representative of Cetera Advisor Networks. Tim is a business owner and Colorado native who has incredible insights and experiences to share about where he comes from. 

Andrew and Alex discuss debt at a high level before diving into how it can be used for good and for bad. Debt is a highly debated topic that has advantages and disadvantages. How do you manage your debt?

Andrew and Ryan discuss the link between money and mental health. How does your financial situation effect your emotional state? Americans are so worried about money, it's hurting mental health (nbcnews.com)

Ryan and Andrew discuss rental units. Many people approach them and ask if they're a good investment. They talk about the pro’s and con’s along with what to consider before starting the process. Rentals can require a lot of time and effort along with your money. They also talk about some of the risks involved.

Ryan and Andrew love to discuss change. With the new year coming up, many people start looking into 2024, saying “what do I want that is different?” It may be a new car or house. It may be getting a new job or even retiring. Finding a better overall sense of happiness. Trying new things or hobbies. Look ahead and see a few things you could work on and start taking baby steps in the right direction...

Ryan and Alex discuss the overall market. What is the S&P 500 and how does it work. Can you compare a diversified portfolio to the S&P?  What is a large cap, mid cap, and small cap stock? They also discuss current events and how they may impact you looking forward.

Ryan and Andrew have a conversation about what to be thinking about going into the end of the year. The year is flying by, and it is a good time to pause and make sure you are going to hit your goals for the year. Whether they were personal goals or financial goals you still have time to impact them. They discuss a list of items you may want to look at.

Andrew and Ryan discuss some options you might want to take advantage of if you are sitting on “extra” cash. Cash is one of those things that make people feel comfortable. In recent months, there have been opportunities to earn better interest than years prior. Listen in to some of these examples. A financial plan can also help determine what the right amount of cash is.

Ryan and Andrew discuss a common problem we see. Many people can’t break out of living paycheck to paycheck. The minute you think you break it a big, unexpected bill comes on. They discuss how to look at your situation and create a plan to break this cycle. One important step is self-awareness. Then it is the desire to take action.

Andrew and Ryan discuss 7 Happy Habits that retirees should strive for, according to Kiplinger. https://www.kiplinger.com/retirement/happy-retirement/601160/7-surprisingly-valuable-assets-for-a-happy-retirement

Andrew and Ryan discuss the proposed 2024 economic budget and tax changes issued by the Biden administration. https://www.whitehouse.gov/omb/briefing-room/2023/03/09/fact-sheet-the-presidents-budget-for-fiscal-year-2024/#:~:text=The%20Budget%20repeals%20the%20Trump,more%20than%20%24450%2C000%20per%20year . https://taxfoundation.org/research/all/federal/biden-budget-tax-proposals-analysis/ https://...

Ryan and Alex discuss the need to review insurance. Many people carry multiple types of insurance. Could be home, auto, health, life, umbrella, etc.…The cost of these coverages can add up and rarely stay flat in price over time. It is important to look at your coverages and determine if you are adequately insured and paying the best prices. Listen to understand the types of insurance they carry an...

Andrew and Ryan discuss a recent article about the upcoming changes with student loan debt. Over the last 3 years taking effect around covid, there has been a freeze on the need to make payments and no interest was being charged. This is changing coming up in September of ’23. If you have student loans this is the time to be proactive to make sure you are not caught by surprise. Also if you are a...

The news is fighting for consumers’ attention more than ever. It is easy to be persuaded by “news headlines” that rattle your emotions and make you question your current investment philosophy. Alex and Andrew discuss the importance of remaining disciplined and following the plan you originally charted.

Ryan and Andrew discuss an article about recency bias and why it can cause bad investment decisions. What is recency bias? How to resist making some of these poor decisions. https://www.cnbc.com/2023/07/21/recency-bias-what-it-is-and-why-it-causes-poor-investment-choices.html

Ryan and Andrew liked an article from CNBC that they discuss. They did this podcast from their mid summer lake retreat. They can’t believe we are more than half way done with the year and it is a great time to check in on your finances and goals!

Ryan and Alex host our first lakeside podcast. They discuss a great article found in Morningstar. Understanding cash flow and spending is important to feel confident in retirement. Many people don't know where to start with this so we discuss 7 steps that can be helpful

Alex and Ryan have a conversation about interest rates and the stock market. We have recently been in an extended Bear market in ’22. In ’23 the market has turned around a bit and we have entered a new Bull market.  Having a long-term plan and sticking to it can pay nice dividends over time. They also mention a study from Charles Schwab that took a look at what amount of money do people feel and t...

Andrew and Alex talk about why working with a team is crucial for success, both personally and professionally.

Andrew and Alex discuss some unique family dynamics that may cause estate planning to be difficult. There are many different types of techniques that can be used to solve these complex situations.

Andrew and Alex discuss how they are choosing to invest in people while living in a world focused on automation.

Andrew and Alex discuss artificial intelligence. What is it, how is it currently effecting society, and where are we headed? https://www.ibm.com/topics/artificial-intelligence https://www.morningbrew.com/daily?mbcid=31642653.223389&mid=b46cb2e6ade0052d3f6d40f4eb650dc0&utm_campaign=mb&utm_medium=newsletter&utm_source=header_signup