Horizon Advisers Unleashed Podcast

Ryan and Andrew discuss budgets. Understanding cash flow is important in life and can help create confidence. Listen in to better understand what a budget is and what might make sense for you.

Andrew and Alex discuss the education Horizon Advisers provides on long-term care and why it is important. Most Americans will need long-term care in some form during their lifetime, which is why understanding the risk and educating yourself on the subject is extremely valuable.

Ryan, Alex, and Andrew discuss the importance of diversification. Yes, having the proper asset allocation is important. It is also important to look at the types of accounts you are saving into. How will they be taxed in the future? Will you have access to your money when you want?

Ryan and Andrew discuss how competition affects our lives and business. We believe competition is necessary. It can have positive affects for some people and negative for others. We believe in finding a balance and using competition in a healthy way.

Ryan, Alex, and Andrew have a discussion on what net worth is and ways to increase it in different phases of life.  Don't focus on any one singular aspect like rate of return to accomplish your goals. A well-rounded plan can help you stay on track.

Andrew and Alex discuss the current state of interest rates and how it is effecting consumer decision-making. There are a number of different financial items to analyze in a volatile interest rate environment. Understanding alternatives is extremely important in making a suitable decision.

Ryan and Andrew touch on the importance of hobbies and their recent trip to Jamaica. They talk about their trip and how much they love snorkeling. They describe their experience there. Different types of underwater landscape. What kind of creatures they saw. Lastly, they describe how to snorkel.

Andrew and Alex discuss fair and unfair expectations in investing, planning, relationships, work and life. How do expectations affect our decision making? Ensuring fair expectations are set before making important decisions is crucial in all aspects of life.

Ryan, Andrew, and guest Mike Czopek have a conversation about Medicare and how it works. Mike has been helping families with Medicare for well over a decade. He sheds light on how part A and B work. They discuss Medicare advantage and Medi Gap policies. If you are pre-retirement or about to enroll into Medicare this is something you should tune in for!

Ryan and Andrew discuss banking. Over the past couple weeks, we have seen some issues in the banking sector. We saw banks fail. As this is a uncommon event it can happen. Many people see this and worry about their deposits. They explain how FDIC works. They also talk about the different banks out there and how you can do you own due diligence.

Ryan, Alex, and Andrew discuss the challenges of funding higher education. Funding tuition for 4 year college universities is often more expensive than many people believe. We discuss the different investment vehicles and strategies that many people can use to fund higher education in the most efficient ways.

Ryan, Alex, and Andrew discuss the importance of dollar cost averaging when saving into investments. It is hard to time the market so when you are investing putting money in at all different times can help you reduce some risk. Many people are sitting on cash in their bank wondering when the right time is to put it into the market. We like to pick a time frame and drip it in over time buying at al...

Andrew, Alex & Ryan welcome John Diehl, Senior Vice President of Hartford Funds, to the podcast. John joins the podcast and brings 35+ years of industry experience to the conversation. The team discusses Hartford’s research with MIT’s (Massachusetts Institute of Technology) AgeLab, behavioral finance, retirement longevity, trends in financial planning, and much more!

Ryan, Alex, and Andrew discuss the topic of Dementia. Horizon Advisers has years of experience helping families deal with long term care situations. Dementia is one of the leading conditions that lead to these complex issues. This article brings up some good points at how to keep the mind sharp. What you may be able to do to increase brain health. https://www.barrons.com/articles/dementia-alzheime...

Ryan, Alex, and Andrew discuss an article about financial infidelity. They discuss some of the ways it is being committed. They discuss ways to spot it. Most importantly discuss having an open dialog with your spouse about money. There shouldn’t be anything to hide.

Ryan and Andrew discuss an article they recently read. A reader had a question about asset allocation pre-retirement. We get this question all the time. The answer is very easy for us. It depends as everyone has different goals and needs. We believe you need to have a plan and establish a timetable of when you are going to need the money. Based on time horizon, you then can create a portfolio/allo...

Ryan, Alex, and Andrew start off by discussing Andrew’s recent trip to South Africa to go on a safari with family. Andrews talks about his top highlights. Then we go into 5 recent questions we received from listeners.

Ryan, Alex, and Andrew discuss the important of consolidation. Many people have multiple bank accounts, investments, insurance, ect…It is hard to manage your situation when things are all over the place. We find titling and beneficiaries hardly ever match up. When a death or incapacity happens it also creates more companies to deal with. Listen in for some tips on what to look for and how to start...

Ryan and Alex are excited to have their 100th episode recorded. This is a big accomplishment for the team and shows their commitment to education. They have recorded 1 episode per week so they are nearing 2 full years. They discuss Horizon Advisers and how they got to where they are now. Many big improvements coming up for 2023. They are excited about their position in the industry. They have year...

Ryan, Alex, and Andrew discuss the Secure act 2.0. This was passed by congress and signed by Biden December 29, 2023. The year prior they passed the Secure Act. These acts are part of the spending bill and have implications to all retirement plans. We like many aspects of this legislature. Some nice changes to group retirement plans. The RMD ages are going up and much more. Listen in to see how th...

Ryan, Alex and Andrew have a conversation about health savings accounts. These accounts can have many benefits now and in the future for your health care needs. There are tax advantages to using these types of accounts. To be eligible for this type of account you must have a proper high deductible health insurance plan. Listen in to see if an HSA account would be right for you and the benefits it...

Ryan, Alex, and Andrew discuss the article they found in Fox News. There are studies that show only 38% of Americans have discussed their aging parents’ finances. This can be a complex topic depending on how the family communicates. We believe having these conversations up front before something happens can lead to a better result. It also allows the aging parent’s wishes to be adhered to. Listen...

Andrew and Ryan discuss hobbies and why they are important for your well-being. Do you have any hobbies? Independence is an important aspect of retirement. Hobbies occupy your time and provide a rewarding feeling of accomplishment, which may be able to fill the void that your job had in your life.

Ryan K., Andrew and Ryan H. discuss the IRS 10% penalty on early distributions from qualified retirement accounts. Is the rule unfair? Most Americans save majority of their retirement nest egg into these kinds of accounts. Understanding the consequences of distributing money from these accounts pre 59 ½ is very important. There are several exceptions to the rule that you should understand before m...

Ryan, Alex and Andrew discuss year-end planning. The calendar year has flown by! Have you accomplished your annual goals? Now that we are already at the beginning of the year, there are several financial items you may want to address as we wrap up 2022.