Horizon Advisers Unleashed Podcast

Ryan and Andrew discuss how to prepare to receive a settlement or lump sum of money. There all different ways people receive chunks of money. Sometimes it could be a divorce, or someone dies and leaves an inheritance. You could win the lottery, sell a business or property. These settlements could come from a lawsuit. No matter how you receive the monies there is a lot to think about. You may only...

Ryan and Alex discuss what to think about when getting divorced and possibly remarried. Many people also deal with the death of a loved one. What happens with the finances in a second marriage? It can be complicated depending on the situation. Open communication and planning can make things much easier!

Ryan and Alex discuss an article they found in Kiplinger. They go through the article and cover the 10 items in detail. We tend to agree with most of them but it turns out to be different for everyone. https://www.kiplinger.com/retirement/602262/things-youll-spend-more-on-in-retirement

Andrew and Ryan discuss why patience is so important and how impatience may cause problems in multiple aspects of life.

Andrew and Ryan discuss the article “New Insights from the Science of Awe,” written by David Fessell M.D. from Psychology Today. https://www.psychologytoday.com/us/blog/unlocking-your-potential/202112/new-insights-the-science-awe

Ryan, Alex, and Andrew discuss the role of a trustee in estate planning. This person/entity is in charge of your estate when you are no longer here. Being trustee is a lot of work! Closing out an estate can be very complicated and there are a lot of factors that go into the decision making. We think its best to work with a team that can assist you. They also cover some common mistakes they have se...

 Alex and Ryan discuss the topic of money and happiness. They revisit the article from the Time's from Can Money Buy You Happiness? Part 1. They have a interesting and deep talk on the subject. https://time.com/collection/guide-to-happiness/4856954/can-money-buy-you-happiness/

Ryan and Andrew discuss the topic of money and happiness. They read an article from Time that was interesting and have a deep talk on the subject. This is part 1 of a 2 part series. https://time.com/collection/guide-to-happiness/4856954/can-money-buy-you-happiness/

Ryan and Alex have a discussion about how to teach kids about money. Whether you’re a parent, grandparent, uncle, or friend we can all help. Kids don’t get educated at school much on this subject. Get a head start and help kids learn about money. They don’t want to start learning about it once they graduate college as an example.

Alex and Ryan discuss 3 key points to think about when it comes to your personal finances. The 3 points include keeping your goals in mind, learning to distinguish wants from needs and always pay yourself first.

 Alex and Andrew discussed the difference between Medicare and purchasing insurance through the open marketplace.  

Ryan and Andrew go over this top 10 list. They discuss how these ten items flow through your whole life. Not just your job or money. If you consistently do these 10 things it can put you in a position to get what you want out of life.

Ryan and Alex have a discussion about the cost of ownership. Discuss big ticket items like a home or car. All the way down to what you eat for lunch. How does this work with cash flow and your spending discipline.

Andrew and Ryan discuss the differences between a financial planner and a financial adviser. Understanding the difference will help you get the big picture of what we do. 

Ryan and Andrew go into detail on one of their favorite topics Cash Flow. Spending is one part of cash flow and they discuss different types of spending. Not that spending is bad, but without discipline and balance, it can lead some people in the wrong direction. https://www.cbn.com/finance/crownsimpulsivepending.aspx?mobile=false&q=finance/crownsimpulsivepending.aspx https://www.nerdwallet.co...

Ryan and Andrew discuss that there are no shortcuts in life. Whether it is advancing in your career, sports, or investing. Some people get lucky but the long plan works well!

Ryan and Alex have a conversation about recent market volatility. They talk about what to do. How timing the market is difficult. They also go through some history of the markets. They discussed recessionary periods going all the way back to the Great depression how the markets reacted during and after these tough times. Bottom line is to have a long-term plan and don’t deviate from it.

 Ryan and Andrew discuss Horizon Adviser's process. When someone is interested in working with our group, we use a consistent process. Listen in to understand these steps in more detail.

 Alex & Ryan discuss the upcoming tax season and how to prepare. They give insight into the importance of tax planning.

Ryan and Andrew have a conversation about rising interest rates and what you could do to prepare for them. We have seen historically low rates for some time now...and at some point, they will go up. Make sure you are prepared for this by listening about things you can look out for.

Ryan and Alex discuss 2022 and Horizon Advisers. We had a great growth year and we thank all of our clients. We have implemented new processes and technologies we feel will increase the overall client experience. Listen in to hear more details about the year!

Ryan, Alex, and Andrew have a discussion about goal setting. We are now in February and it's not too late to set up goals for the year. They don't have to be lofty goals, and they can be short or long-term. This will give you something to aim at throughout the year. It also helps you hold yourself accountable to complete the things you want to.

Chris Markey is an old friend of Alex's and a great mentor! Chris retired from his job as Vice President of Allstate Independent agencies. Chris dives into how he started with Allstate and how his career excelled. He gives great insight on leadership and key factors that contributed to his 40-year long career with Allstate.

Ryan, Alex, and Andrew discuss business planning for business owners. Whether you are thinking of starting a business or are trying to grow an existing one, get insight on things to think about. How to plan for growth in a business. What to do to protect yourself. When to hire employees. How to keep business financials organized. 

Ryan, Alex, and Andrew have a discussion about streamlining your finances. Listen in to find out how to organize and make your financial life simple. There are many steps that can be taken to automate your financial life.