Horizon Advisers Unleashed Podcast

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://www.cnbc.com/2023/03/09/president-bidens-proposed-2024-budget-calls-for-top-39point6percent-tax-rate.html

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 and how they look at them periodically.

Andrew and Ryan discuss some options you may 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.

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 parent, back to school can come with some additional expenses you will want to prepare for.

https://www.cnbc.com/2023/08/13/56-percent-of-student-loan-borrowers-will-have-to-choose-loans-or-necessities.html

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