Horizon Advisers Unleashed Podcast

Money Red Flags in a Partner: What to Watch For! 

When it comes to relationships, love might be blind—but your wallet shouldn’t be!  On this episode of Horizon Adviser Unleashed, Ryan and Andrew dive into the biggest money red flags you should watch for in a potential partner. From secret debts and reckless spending to mismatched financial values, we’re breaking down the warning signs that could impact your future wealth and well-being.

Is your partner financially responsible, or are they waving red flags you can’t afford to ignore? 

You’ve just welcomed a new baby—congrats! 🎉 But now, amidst the diapers and sleepless nights, you’re probably wondering: How do I set my child up for a strong financial future? In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs break down the best accounts to open for your little one, from 529 college savings plans to custodial investment accounts and even Roth IRAs (yes, really!). Learn how to make the smartest money moves today so your child is financially secure tomorrow. Tune in now and give your kid the ultimate head start!

In this episode of Horizon Adviser Unleashed, hosts Ryan Kus and Andrew Hinrichs tackle a common financial concern—what to do if you’re in your 50s and feel behind on your retirement savings. Should you take on more risk to catch up? Or is there a smarter, more strategic approach? Ryan and Andrew break down key considerations, including risk tolerance, investment time horizons, tax-efficient strategies, and alternative ways to boost your retirement savings without making reckless decisions. If you’re feeling the pressure of time, this episode is packed with insights to help you make confident financial moves. Tune in now!

In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs dive into the world of side hustles—are they a smart financial move or just another source of burnout? They break down the pros and cons, discuss when a side hustle makes sense, and share the best ways to turn extra income into long-term wealth.

🔹 When does a side hustle help (or hurt) your financial plan?
🔹 How to choose a side hustle that fits your goals and lifestyle
🔹 Common mistakes people make when chasing extra income
🔹 Best side hustles for those looking to retire early, build wealth, or pay off debt faster

Whether you’re thinking about freelancing, real estate, or content creation, this episode will help you decide if a side hustle is right for you. Tune in for expert insights and actionable tips! 🎙️💡

In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs break down the Coast FIRE strategy—a financial independence approach that lets you save aggressively early, then "coast" to retirement without needing to contribute more. They discuss how to calculate your Coast FIRE number, the power of compound growth, and why this strategy offers flexibility, career freedom, and peace of mind. Whether you're in your 20s looking to set yourself up for success or in your 30s wondering if you’ve already hit Coast FIRE, this episode is packed with actionable insights to help you build a stress-free path to financial independence.

🔹 How much do you need to save to hit Coast FIRE?
🔹 Is Coast FIRE right for you?
🔹 Common mistakes and how to avoid them

Tune in to learn how to work less, save smarter, and let your money do the heavy lifting!

In this insightful two-part series of the Horizon Advisers Unleashed Podcast, Ryan Kus and Alex Dinser dive deep into the emotional side of money management. They explore how emotions influence financial decisions, the psychology behind spending and saving, and strategies to stay rational in times of financial stress.

Part 2 takes a deeper dive into overcoming common emotional pitfalls, such as fear of market volatility or guilt around spending. Ryan and Alex provide actionable advice on how to align your financial decisions with long-term goals while maintaining emotional balance

In this insightful two-part series of the Horizon Advisers Unleashed Podcast, Ryan Kus and Alex Dinser dive deep into the emotional side of money management. They explore how emotions influence financial decisions, the psychology behind spending and saving, and strategies to stay rational in times of financial stress.

In Part 1, they focus on identifying emotional triggers and their impact on everyday financial choices, offering practical tips to gain clarity and control.

Whether you're navigating investment decisions, budgeting, or retirement planning, this series will help you better understand the role emotions play in your financial life—and how to keep them in check. Don't miss this valuable conversation!

In this episode of Horizon Adviser Unleashed, Ryan Kus and Andrew Hinrichs tackle a question they hear all the time: "Should I buy or lease my next car?" They break down the pros and cons of both options, discuss how your financial goals and lifestyle can influence the decision, and share real-world examples to help you make the best choice. Whether you’re looking for a new car for the family, a sleek ride for your commute, or simply trying to stay on budget, this episode will provide valuable insights to steer you in the right direction. Don’t miss it!

In this episode of Horizon Advisers Unleashed, Ryan Kus, Alex Dinser, and Andrew Hinrichs explore one of the most significant financial shifts of our time: The Great Wealth Transfer. With an estimated $84 trillion expected to change hands over the next two decades, this monumental event will reshape generational wealth dynamics across the United States.

Tune in as the hosts break down:

• What Gen X Can Expect: As the first beneficiaries of this transfer, how prepared is this generation to manage inheritances? What role do estate taxes, investment strategies, and financial advisors play in maximizing their newfound assets?
• Millennials in the Middle: With many entering their peak earning years, Millennials face unique challenges balancing personal financial growth with potential inheritances. How can they use this wealth to pay down debts, invest, or plan for their own families?
• Gen Z's Future Windfall: For the youngest generation, this transfer represents long-term potential. What financial literacy skills and strategies should they adopt now to responsibly manage this wealth in the future?

The team also discusses practical steps for all generations to ensure this wealth is preserved, grown, and used effectively, including tips on estate planning, trust structures, and navigating family dynamics.

Whether you’re set to receive an inheritance or planning to pass wealth to the next generation, this episode is packed with insights to help you stay ahead.

🎧 Listen now and prepare for the financial opportunity of a lifetime!

In this episode of Horizon Adviser Unleashed, hosts Ryan Kus and Andrew Hinrichs break down everything you need to know about Social Security. From understanding when to claim benefits, how spousal benefits work, and strategies for maximizing your payouts, this cheat sheet is a must-listen for anyone planning for retirement. Whether you're nearing retirement or just starting to think about it, Ryan and Andrew simplify the complexities of Social Security to help you make informed decisions. Tune in for expert insights, actionable advice, and answers to your top Social Security questions!

Visit horizonadviser.com for more resources and connect with us to stay on top of your financial planning journey.