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As financial planners and business owners, we will discuss many topics. Our goal is to educate listeners on specific financial topics as well as conducting interviews of other business professionals. We hope you learn from their insight, stories, and experiences.Financial Advisor offering securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity Tax services are provided by Horizon Advisers. Cetera Wealth Services LLC does not provide tax services. Tax and accounting services provided by Horizon Advisers CPA. Cetera Wealth Services LLC does not provide tax nor accounting services. 50 W Big Beaver Road, Troy, MI 48084
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Reaching that first million in net worth or investable assets is a major milestone — but it’s not the finish line. It’s the point where financial complexity, taxes, and lifestyle decisions start to multiply. In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down what life looks like after you cross seven figures. They’ll talk about how your mindset, goals, and financial strategy should evolve — from protecting what you’ve built, to planning for the next phase of growth, to ...
We all know what we should do with our money — update beneficiaries, review insurance, create an estate plan, rebalance investments. But why do so many people procrastinate when it comes to their finances? In this episode of Horizon Advisers Unleashed, Ryan and Andrew dig into the psychology behind financial inertia — the invisible force that keeps people from taking action. They’ll explore common triggers that cause delay, from fear of making a mistake to information overload. More important...
We’ve all said it before: “I knew that stock was going to crash.” Or “Of course interest rates had to go up.” But did we really know? Or are we falling into one of the most common behavioral finance traps: hindsight bias. In this episode of Horizon Advisers Unleashed, Alex and Andrew break down why our brains love to trick us into believing the past was predictable, how this false sense of certainty fuels overconfidence, and the costly mistakes it can cause in investing. From market bubbles ...
Starting a business is exciting—but it’s also filled with decisions that can shape your success for years to come. In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down the essential things every new entrepreneur should think about before hanging up their first “open” sign. From choosing the right business structure to understanding your tax responsibilities, they’ll walk through the financial and legal foundations that give your business the best chance to thrive. You’ll ...
In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down one of the most important levers in the economy—the Federal Funds Rate. With the Fed holding steady but markets buzzing about possible cuts before year-end, what might actually happen with interest rates in the coming months? More importantly, how does this affect your wallet—from mortgages and credit cards to investments, savings, and retirement planning? Ryan and Andrew explain the role of the Fed in shaping economic ...
September is Life Insurance Awareness Month, and Ryan Kus and Alex Dinser are breaking down why this conversation matters for every household. In this episode of Horizon Advisers Unleashed, they walk listeners through the role life insurance plays in protecting your family, preserving wealth, and ensuring financial security. Ryan and Alex cover the key things you should consider, including: How much coverage you really need—and how to calculate it.The differences between term and permane...
The old idea of retiring at 65 doesn’t fit today’s world. In this episode of Horizon Adviser Unleashed, Ryan Kus and Andrew Hinrichs break down why retirement is no longer a single finish line, but a series of life stages that blend work, purpose, and financial freedom. From longer life expectancies and rising healthcare costs to phased retirements, Gen X challenges, and new definitions of wealth, Ryan and Andrew share practical insights on how to design a retirement that actually works for y...
Healthcare Bridge: Before Medicare Kicks In Retiring before 65 sounds great—until you realize one big problem: Medicare doesn’t start until age 65. So how do you cover healthcare in those “in-between years” without draining your savings? In this episode, Ryan and Andrew break down the real options for pre-retirees: COBRA, ACA marketplace plans, spousal coverage, part-time work with benefits, and even alternative solutions like HSAs and health-sharing programs. They’ll share the pros, cons, an...
In this eye-opening episode of Horizon Advisers Unleashed, Andrew and Ryan explore a surprising new trend: being smart with money is becoming one of the most attractive qualities you can have. 💡 Gen Z is rewriting the dating and lifestyle playbook—skipping expensive nights out, favoring meaningful (and budget-friendly) experiences, and putting savings and debt payoff ahead of flash and excess. We’ll dig into what’s driving this cultural shift, how financial habits influence relationships, and...
In this episode of Horizon Advisers Unleashed, Ryan and Andrew explore a growing trend in the financial world: retirement coaching. It’s no longer just about the dollars and cents. More firms are helping clients answer deeper questions like: “What’s next for me?” and “How do I live a meaningful life after work?” We dive into how retirement coaching addresses the emotional and psychological aspects of leaving a career, how it can help clients avoid “post-retirement blues,” and why this human-f...
Artificial Intelligence is everywhere—helping you write emails, plan trips, even build budgets. But can it answer life's biggest financial questions? In this episode of Horizon Advisers Unleashed, Ryan and Andrew explore the promise—and limitations—of using AI for personal finance. From investing your life savings to figuring out if you can retire at 65, we break down where AI tools shine and where human guidance still matters most. If you've ever asked ChatGPT about retirement or plugged you...
When a loved one passes away, most people assume everything must go through probate—but that’s not always the case. In this episode, Ryan and Andrew break down what actually happens to financial accounts in a small probate case. They cover: Which accounts typically do go through small probateHow to avoid probate altogether with simple planningWhat to know about jointly owned accounts, PODs, and TODsReal-world examples of how families can save time, money, and stressWhy the size of the estate ...
In this episode, Alex and Andrew open up about one of the most under-discussed financial challenges—the real cost of being a working parent. From daycare to summer camps, after-school care to sick day backups, the expenses add up fast. And it’s not just about dollars — it’s also about time, energy, and career decisions that affect long-term financial outcomes. 👶 They unpack key questions like: How much does childcare really cost?What hidden expenses often catch families off guard?How do two-c...
Whether it’s a corporate layoff, restructuring, or an unexpected termination, the financial shock can feel overwhelming. But the steps you take in the first few days and weeks can make a big difference in your long-term stability. They walk through the key questions and decisions: What immediate actions should you take to stabilize your finances?How do you handle health insurance, severance, and unemployment benefits?Should you pause retirement contributions or pull from savings?How do you re...
Andrew and Alex are joined by guest Andrew Maurer, who is a licensed attorney in Grosse Pointe Woods, Michigan. Maurer has also trained in comedy writing with the Second City and a SNL television writer. Maurer served for four years as a creator/writer/producer for “Master Comics LLC.” an independent comic book label which he helped bring onto the national and international market, before leaving to pursue his J.D. from Wayne State University Law School. They discuss his career path and...
In this special lifestyle episode of the Horizon Advisers Unleashed podcast, Andrew sits down with Ryan to hear all about his recent family getaway to one of the most breathtaking places on earth—Bora Bora. 🌴🌊 They talk about: What it’s really like to wake up in an overwater bungalowThe unexpected moments that made the trip unforgettableBalancing adventure and relaxation with kid in towWhy taking time away (even as a planner) is essential for perspectiveTips for anyone considering a trip to F...
In this thought-provoking episode of the Horizon Advisers Unleashed podcast, Ryan and Andrew tackle a topic that doesn’t get discussed enough: oversaving. 💰⏳ While most financial advice focuses on saving more, some people take it to the extreme—delaying joy, deferring experiences, and constantly fearing they haven't saved enough... even when they have. In this episode, they explore: The difference between healthy saving and fear-based hoardingWhy some high earners struggle to give themselves ...
Struggling to control your spending—even when you know better? You’re not alone. In this episode of Horizon Advisers Unleashed, Andrew and Ryan explore the habits, emotions, and triggers behind overspending. From impulse buys on Amazon to lifestyle creep and "emotional swiping," they explain why simply creating a budget isn’t enough. You’ll learn practical strategies to shift your mindset, stay intentional with your purchases, and put systems in place that actually work. Whether you’re trying...
In this laid-back lifestyle episode of Horizon Adviser Unleashed Podcast, Ryan and Andrew take you to the stunning mountains of Whistler, Canada. Joined by Alex, Matt, and Scott, the crew shares highlights from their recent getaway—from exploring the scenic village and local food spots, and all the outdoor activities that can be enjoyed during the summer. Whether you’re a snow lover, a travel junkie, or just looking for ideas for your next guys’ trip, this episode is packed with stories, laug...
Heard the term HSA but not quite sure what it means—or why so many financial professionals rave about it? In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down the Health Savings Account: what it is, who it’s for, and how it can be a triple tax-advantaged powerhouse for your finances. Whether you’re new to HSAs or want to maximize one you already have, this episode will leave you better equipped to use it wisely for both health costs and long-term wealth building.
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