If you're earning more money than ever before but still feel like you're falling behind, you're not alone.

In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs tackle a surprising reality: many high-income earners are experiencing significant financial stress despite making $250,000, $500,000, or even more per year.

How is that possible?

The answer often has little to do with income and everything to do with lifestyle inflation, taxes, debt, lack of planning, and the growing financial pressures that come with success.

During this conversation, we discuss:

• Why high income doesn't automatically create wealth
• The hidden impact of lifestyle creep
• How taxes can quietly derail your financial progress
• The difference between earning money and building wealth
• Common mistakes successful professionals make with their finances
• Why financial planning matters more than ever for high earners
• How to create true financial freedom instead of simply looking successful

Whether you're a business owner, executive, physician, sales professional, or someone striving to build long-term wealth, this episode will help you understand why income alone is not enough—and what you can do to take control of your financial future.

The goal isn't to make more money.

The goal is to create more freedom, flexibility, and peace of mind.

Tune in to learn how.

Why do some people naturally save while others struggle to hold onto money? Why do certain financial decisions feel easy for one person and stressful for another?

In this episode, Andrew joined by guest Dr. Nick Phillips explore the powerful connection between family origin and financial behavior. They discuss how the money messages we receive growing up—from our parents, grandparents, and early life experiences—can shape our beliefs about spending, saving, investing, risk, and financial success.

The conversation dives into how family dynamics influence our financial mindset, the hidden patterns that impact decision-making, and the importance of recognizing these influences to build a healthier relationship with money. Whether you grew up in a household where money was openly discussed or rarely mentioned at all, understanding your financial roots can provide valuable insight into your current habits and future goals.

Tune in for an engaging discussion on self-awareness, financial behavior, and the lasting impact family origin has on the way we handle money.

In this episode, Alex and Andrew sit down with Dennis Weiss for a wide-ranging conversation on entrepreneurship, leadership, investing in sports, and the mindset required to succeed in business today. Dennis shares insights from his own experiences building businesses, navigating challenges, and spotting emerging opportunities in evolving industries. 

Most people think financial planning is something you “get to later.”

But what if the people closest to the ground—young, hungry advisors building from scratch—actually have the clearest perspective on what works?

In this episode, Andrew sits down with Dylan Woebkenberg, a Certified Financial Planner® who’s built his career from the ground up, to break down what he’s seeing firsthand with clients today.

We’re skipping the résumé and getting straight to what matters:

• The biggest money mistakes people make in their 20s, 30s, and 40s
• What actually moves the needle when it comes to building wealth
• How to think about investing, saving, and planning in today’s environment
• And what you should be doing right now—no matter where you’re starting

If you’ve ever wondered, “Am I doing the right things with my money?”—this episode is for you.

🎯 Walk away with practical strategies, a clearer roadmap, and confidence in your next move.

No savings. No investments. Just a fresh start.

In this episode of Horizon Advisers Unleashed, Ryan Kus sits down with CFP® Brad Spindler to break down a simple, step-by-step game plan for building wealth from scratch.

No hype. No complicated strategies. Just what actually works.

👉 If you’re in your 20s, 30s, or even 40s and feel like you’re working hard but not getting ahead… this episode is for you.

💡 In This Episode, You’ll Learn:

• What to do with your first $1,000
• How to handle your first $10,000
• When to invest vs. pay off debt
• The biggest financial mistakes people make early on
• How to build wealth without sacrificing your lifestyle
• Why most people fail due to poor money order—not income

Buying a home is one of the biggest financial decisions you’ll ever make — but most people focus on the paint colors and forget the financial strategy.

In this episode, Ryan and Andrew break down the Top 10 things you should do when buying a house — before you make an offer, during the process, and after you get the keys.

From credit scores and mortgage strategy to emergency reserves, insurance gaps, tax surprises, and long-term wealth planning — this episode is your complete financial checklist for buying smart.

If you’re buying your first home, upgrading, downsizing, or considering a second property, this episode will help you avoid costly mistakes and protect your long-term financial plan.

Because the goal isn’t just owning a home.
 It’s owning it without wrecking your future.

Alex and Andrew discuss the Big Beautiful Bill, focusing on some key parts of the new legislation that will affect consumers & retirees. 

In this episode, we talk with Drake Filippis, Associate Broker at Signature Associates, about his path from mortgages and residential sales into commercial real estate 

Drake Filippis. Drake shares the moment he knew commercial was his future, how his father’s career influenced him, and why specialization matters in larger, more complex real estate deals. 

He also breaks down who he serves in Michigan markets like Ann Arbor and Livonia, how he builds client relationships, and when property owners or investors should reach out to a commercial broker. Plus, get a behind-the-scenes look at his early mornings, “old-school” work ethic, and why being in the office and out in the field still gives brokers a competitive edge. 

A great listen for anyone interested in commercial real estate, investing, or building a high-performance career. 

Open enrollment can feel like a blur of forms, jargon, and guesses — but the choices people make in these few weeks have a massive impact on their finances for the entire year. In this episode, Ryan and Andrew break down the most common mistakes employees make when selecting benefits… and the simple, strategic moves that can save real money.

From HSA vs. PPO decisions, disability insurance pitfalls, and life insurance traps to dependent care strategies and employer match misunderstandings — this is a practical, no-nonsense guide to getting benefits right. Whether you're an employee, HR leader, or business owner, you'll gain clarity on what to choose, what to skip, and how to maximize the compensation you're already earning.

Perfect for anyone heading into open enrollment or helping others navigate it.

The final month of the year may be filled with holiday distractions, but it’s also where your financial year is won or lost. In this episode, Ryan and Andrew break down the high-impact money moves to make before December 31 — from tax-loss harvesting and charitable gifting strategies to maxing out retirement and HSA contributions. We’ll cover the exact contribution limits for 2024/2025, critical RMD deadlines, and the simple checks that can protect your wealth, reduce taxes, and set you up strong for next year. Before the ball drops, make sure your finances are ready for a fresh start!

Perfect for individuals and families looking to finish the year right — and for anyone who wants to keep more of what they earn.