Horizon Advisers Unleashed Podcast

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 homeownership.

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.