Horizon Advisers Unleashed Podcast

Ryan, Alex, and Andrew discuss the importance of dollar cost averaging when saving into investments. It is hard to time the market so when you are investing putting money in at all different times can help you reduce some risk. Many people are sitting on cash in their bank wondering when the right time is to put it into the market. We like to pick a time frame and drip it in over time buying at all different levels, kind of like saving into your 401k out of every paycheck. We also discuss the importance of rebalancing. Sometimes parts of your investment portfolio will grow faster than others. Rebalancing your portfolio can help keep the original percentages in asset classes that you want. It can also help you sell high and buy low.

Andrew, Alex & Ryan welcome John Diehl, Senior Vice President of Hartford Funds, to the podcast. John joins the podcast and brings 35+ years of industry experience to the conversation. The team discusses Hartford’s research with MIT’s (Massachusetts Institute of Technology) AgeLab, behavioral finance, retirement longevity, trends in financial planning, and much more!

Ryan, Alex, and Andrew discuss the topic of Dementia. Horizon Advisers has years of experience helping families deal with long term care situations. Dementia is one of the leading conditions that lead to these complex issues. This article brings up some good points at how to keep the mind sharp. What you may be able to do to increase brain health.

https://www.barrons.com/articles/dementia-alzheimers-prevention-research-f3a67612

Ryan, Alex, and Andrew discuss an article about financial infidelity. They discuss some of the ways it is being committed. They discuss ways to spot it. Most importantly discuss having an open dialog with your spouse about money. There shouldn’t be anything to hide.

Ryan and Andrew discuss an article they recently read. A reader had a question about asset allocation pre-retirement. We get this question all the time. The answer is very easy for us. It depends as everyone has different goals and needs. We believe you need to have a plan and establish a timetable of when you are going to need the money. Based on time horizon, you then can create a portfolio/allocation tailored to when you need access. There is no one size fits all answer.

https://www.marketwatch.com/story/is-my-financial-planner-crazy-were-55-and-60-five-years-from-retirement-and-were-told-we-should-invest-more-aggressively-7119ccd5

Ryan, Alex, and Andrew start off by discussing Andrew’s recent trip to South Africa to go on a safari with family. Andrews talks about his top highlights. Then we go into 5 recent questions we received from listeners.

Ryan, Alex, and Andrew discuss the important of consolidation. Many people have multiple bank accounts, investments, insurance, ect…It is hard to manage your situation when things are all over the place. We find titling and beneficiaries hardly ever match up. When a death or incapacity happens it also creates more companies to deal with. Listen in for some tips on what to look for and how to start creating change that will put you in a more organized position.

Ryan and Alex are excited to have their 100th
episode recorded. This is a big accomplishment for the team and shows their commitment to education. They have recorded 1 episode per week so they are nearing 2 full years. They discuss Horizon Advisers and how they got to where they are now. Many big improvements coming up for 2023. They are excited about their position in the industry. They have years of experience, processes, and a team that helps deliver a high level client experience through financial planning.

Ryan, Alex, and Andrew discuss the Secure act 2.0. This was passed by congress and signed by Biden December 29, 2023. The year prior they passed the Secure Act. These acts are part of the spending bill and have implications to all retirement plans. We like many aspects of this legislature. Some nice changes to group retirement plans. The RMD ages are going up and much more. Listen in to see how this may impact you situation.

Ryan, Alex and Andrew have a conversation about health savings accounts. These accounts can have many benefits now and in the future for your health care needs. There are tax advantages to using these types of accounts. To be eligible for this type of account you must have a proper high deductible health insurance plan. Listen in to see if an HSA account would be right for you and the benefits it offers.