Horizon Advisers Unleashed Podcast

Ryan and Andrew will be discussing pensions. When you are about to retire and have a pension, you must make a big decision. Are you going to take the income stream? Will you elect a survivorship benefit for a loved one? Do you have a lump sum option? These are tough questions that require planning to make a confident decision. Rising interest rates can have a negative effect on your lump sum option. Inflation can also hurt the purchasing power of your pension if it is a flat payment. Listen in to learn how to make the best decision for your future. 

Ryan and Andrew discuss an extremely exciting time in life…starting a family! As these times are exciting there are also many changes that will take place. There will be all new financial obligations. Listen in to get a checklist of things to consider and ways you can plan. Whether you are a new parent or grandparent this podcast goes over many good topics and things to take under consideration.

Ryan and Andrew discuss the importance of a financial plan. Many studies out there show less than 30% of Americans have a financial plan. The people that do have a plan can see the effects of a bear market and see how things will look in the future for them. During these tough times we can stress test a plan and look at the success of it during turbulent times.

 Andrew and Ryan discuss how different types of inheritances can be complicated when leaving assets to children.

Ryan, Alex, and Andrew discuss a hot topic. It is easy to jump on your phone or turn on the TV and read bad news. This can make many people feel anxious and feel like they need to be doing something different. In addition, there are a lot of terrible sources for information on the internet. You have to look deeper on who and why someone is writing the content. Listen to see how you can cut through all the noise.

Ryan, Alex, and Andrew discuss how important communication is in your personal, professional, and financial lives. Bad communication can put strains on relationships. They discuss how practicing communication skills can help improve on your relationships and overall happiness. How and why, you communicate the way you do can have an impact on results. Listen as they share some tips and stories.

 Ryan and Andrew discuss the importance of having the finance conversation before you walk down the aisle. Asking questions about debt, shared bank accounts and prenups are just some of the hard questions to ask your soon to be spouse. Listen as they give tips on how to navigate this hard but important conversation.

Ryan and Alex discuss these 4 rules. They discuss their upbringing as children and found commonalities with the article. These rules also can apply to business owners and managers. Finally, they discuss how this applies to entrepreneurship.

https://www.cnbc.com/2022/06/11/i-talked-to-70-parents-who-raised-highly-successful-adults-the-hard-things-they-did-differently.html

Ryan and Andrew discuss A bear market – signified by a 20% or more drop in stock prices – can be easier to weather when you're properly diversified and in it for the long haul. They believe you should resist the urge to run. You can also think big and act small. Automating investments can help. Lastly keep bear markets in perspective and take advantage of rebalancing.

Ryan and Andrew discuss how to prepare to receive a settlement or lump sum of money. There all different ways people receive chunks of money. Sometimes it could be a divorce, or someone dies and leaves an inheritance. You could win the lottery, sell a business or property. These settlements could come from a lawsuit. No matter how you receive the monies there is a lot to think about. You may only have one chance to make the right decisions. Listen in to see what steps you should take and what you should be thinking about.