Horizon Advisers Unleashed Podcast

Ryan and Andrew discuss the topic of control and money. It is a thought-provoking question that many people may never ask themselves or think about. We believe that if you're confident in your financial plan, you have a better shot at controlling your money and allowing it to work for you. Part of being in control of your money is the psychology behind it. You must act and think in a certain...

Ryan, Andrew, and Alex discuss what it means when feds raise interest rates. Why are they doing this? What does this mean for you? You will learn that this is a tool the government can use to fight inflation. We haven’t had much inflation for many years now. In addition, interest rates have been historically low. This could help or hurt you depending on your financial situation.

Jody Hall started her career in the 1980s. At that time, there were approximately 10% women studying engineering and far less than 10% women practicing engineering. Fast forward to today and the numbers are a bit different, certainly overall the number of women in science fields has increased. However, there are many areas where there are curiously lower numbers, such as in metallurgy - a subfield...

Ryan and Andrew talk with Jody Hall about her trip to New Zealand. Jody had a great career, as she retired, she and her husband planned a trip to New Zealand to celebrate. Does anyone know what happened in March 2020? They landed in Australia in March and hopped over to the Island a couple of days later, only to find out they were going into lock down. They ended up being out there for 100 days. L...

Ryan, Alex, and Andrew discuss the correlation between precious metals prices and inflation. Using the 3 charts, they explore the history of gold and silver prices. Then discuss what happened to those prices during inflationary periods of time. There is nothing wrong with owning precious metals, but we have to always be diversified. https://www.usinflationcalculator.com/inflation/historical-inflat...

Ryan, Alex, and Andrew discuss an article written by Lisa Firestone, Ph. D. about money stress. It is a well written article that discusses this topic and ends with 5 helpful tips when attempting to actively free yourself from these limiting attitudes. In the article it also discusses the “critical inner voice,” which is a powerful concept that you must pay attention too! https://www.psychalive.or...

Andrew and Ryan discuss whether you should help your kids financially or not. When does the payroll stop? Is it a good decision for both your own retirement goals and the success of the child? We discuss specific points on how it can work both positively and negatively. https://www.kiplinger.com/personal-finance/should-you-help-out-your-adult-kids-financially

Veteran's Day Special! Ryan and Andrew interview Alex about his time serving in the Air Force. They dive into how he made the decision to serve and what the process was like from start to finish.

 Ryan, Alex, and Andrew discuss the importance of protecting your personal information. We live in a very connected world now, and our personal information can be all over the place.  They also discuss ways to help identify and protect against making mistakes online. You must take some time regularly to make sure you have covered your bases. Even though there really is no exclusive way to do this,...

Ryan and Andrew discuss employee benefits and different types of plans. Employee education can lead to a better benefit experience. They discuss some contribution limits of these plans and which ones might be better based on size of company. 

Ryan and Alex discuss what Life Insurance Awareness Month is and the importance of life insurance. Many people have a hard time knowing how much insurance to have and what type. We think having the proper amount of life insurance for your situation is the most important thing. Most people buy life insurance to protect their family in case something happens. It is important to put some thought into...

Ryan, Alex and Andrew have a conversation about the year ending. It was a great summer, but now we are entering the last three months of the year. This is a good time to pause and look at your goals for the year. Have you accomplished the things you set forth to do in January? Are you on track for your savings goals?  You have 3 more months to make an impact and get things done!

Ryan and Andrew talk about being on the same page. Whether it is with your spouse, significant other, business partner, or kids. It is important to have open communication about money and to be on the same page. If not, one may feel betrayed, restricted, or unhappy. Everyone has different personality types and ideologies. Having open discussions about goals and money can bring people closer togeth...

Ryan and Andrew discuss the topic of liquidity. What is the importance of having a cash position? What is the right amount of cash to have? Cash can give people a sense of comfort or discomfort, depending on your situation. We go into a deep dive about setting a purpose behind this asset and how to manage proper levels.

Ryan, Alex, and Andrew discuss what you should think about if you have recently been laid off. It is a very emotional time and lots of decisions must be made in a small window of time. It is common to panic, but it is important to slow down and make the right decisions. Listen in to get a list of things you may need to consider.

Ryan and Alex discuss the Inflation Reduction Act, a new spending bill that has recently passed. Their conversation involves the $80 billion that is earmarked for the IRS and what that means to you.

Ryan and Andrew will be discussing pensions. When you are about to retire and have a pension, you must make a big decision. Are you going to take the income stream? Will you elect a survivorship benefit for a loved one? Do you have a lump sum option? These are tough questions that require planning to make a confident decision. Rising interest rates can have a negative effect on your lump sum optio...

Ryan and Andrew discuss an extremely exciting time in life…starting a family! As these times are exciting there are also many changes that will take place. There will be all new financial obligations. Listen in to get a checklist of things to consider and ways you can plan. Whether you are a new parent or grandparent this podcast goes over many good topics and things to take under consideration.

Ryan and Andrew discuss the importance of a financial plan. Many studies out there show less than 30% of Americans have a financial plan. The people that do have a plan can see the effects of a bear market and see how things will look in the future for them. During these tough times we can stress test a plan and look at the success of it during turbulent times.

 Andrew and Ryan discuss how different types of inheritances can be complicated when leaving assets to children.

Ryan, Alex, and Andrew discuss a hot topic. It is easy to jump on your phone or turn on the TV and read bad news. This can make many people feel anxious and feel like they need to be doing something different. In addition, there are a lot of terrible sources for information on the internet. You have to look deeper on who and why someone is writing the content. Listen to see how you can cut through...

Ryan, Alex, and Andrew discuss how important communication is in your personal, professional, and financial lives. Bad communication can put strains on relationships. They discuss how practicing communication skills can help improve on your relationships and overall happiness. How and why, you communicate the way you do can have an impact on results. Listen as they share some tips and stories.

 Ryan and Andrew discuss the importance of having the finance conversation before you walk down the aisle. Asking questions about debt, shared bank accounts and prenups are just some of the hard questions to ask your soon to be spouse. Listen as they give tips on how to navigate this hard but important conversation.

Ryan and Alex discuss these 4 rules. They discuss their upbringing as children and found commonalities with the article. These rules also can apply to business owners and managers. Finally, they discuss how this applies to entrepreneurship. https://www.cnbc.com/2022/06/11/i-talked-to-70-parents-who-raised-highly-successful-adults-the-hard-things-they-did-differently.html

Ryan and Andrew discuss A bear market – signified by a 20% or more drop in stock prices – can be easier to weather when you're properly diversified and in it for the long haul. They believe you should resist the urge to run. You can also think big and act small. Automating investments can help. Lastly keep bear markets in perspective and take advantage of rebalancing.