Horizon Advisers Unleashed Podcast

Andrew and Alex discuss the education Horizon Advisers provides on long-term care and why it is important. Most Americans will need long-term care in some form during their lifetime, which is why understanding the risk and educating yourself on the subject is extremely valuable.

Ryan, Alex, and Andrew discuss the importance of diversification. Yes, having the proper asset allocation is important. It is also important to look at the types of accounts you are saving into. How will they be taxed in the future? Will you have access to your money when you want?

Ryan, Alex, and Andrew have a discussion on what net worth is and ways to increase it in different phases of life.  Don't focus on any one singular aspect like rate of return to accomplish your goals. A well-rounded plan can help you stay on track.

Ryan and Andrew discuss how competition affects our lives and business. We believe competition is necessary. It can have positive affects for some people and negative for others. We believe in finding a balance and using competition in a healthy way.

Andrew and Alex discuss the current state of interest rates and how it is effecting consumer decision-making. There are a number of different financial items to analyze in a volatile interest rate environment. Understanding alternatives is extremely important in making a suitable decision.

Ryan and Andrew touch on the importance of hobbies and their recent trip to Jamaica. They talk about their trip and how much they love snorkeling. They describe their experience there. Different types of underwater landscape. What kind of creatures they saw. Lastly, they describe how to snorkel.

Andrew and Alex discuss fair and unfair expectations in investing, planning, relationships, work and life. How do expectations affect our decision making? Ensuring fair expectations are set before making important decisions is crucial in all aspects of life.

Ryan, Andrew, and guest Mike Czopek have a conversation about Medicare and how it works. Mike has been helping families with Medicare for well over a decade. He sheds light on how part A and B work. They discuss Medicare advantage and Medi Gap policies. If you are pre-retirement or about to enroll into Medicare this is something you should tune in for!

Ryan and Andrew discuss banking. Over the past couple weeks, we have seen some issues in the banking sector. We saw banks fail. As this is a uncommon event it can happen. Many people see this and worry about their deposits. They explain how FDIC works. They also talk about the different banks out there and how you can do you own due diligence.

Ryan, Alex, and Andrew discuss the challenges of funding higher education. Funding tuition for 4 year college universities is often more expensive than many people believe. We discuss the different investment vehicles and strategies that many people can use to fund higher education in the most efficient ways.