Horizon Advisers Unleashed Podcast

Ryan and Andrew discuss the importance of being in control of your finances. In a world where financial uncertainty is rampant, it's crucial to seize control of your finances. Whether you're drowning in debt, struggling to save, or simply seeking to optimize yourfinancial health, this podcast is tailored to your needs.

Alex and Ryan review some practical insights from Marc Milstein, PHD. Dr. Marc Milstein is a leading scientific researcher on neuroscience, health, and happiness. His insights provide science-based solutions to keep the brain healthy, lower the risk of dementia, boost productivity and maximize longevity. He earned both his Ph.D. in Biological Chemistry and his Bachelor of Science in Molecular, Cellular, and Developmental Biology from UCLA. Dr. Milstein’s new book “The Age-Proof Brain” has been a #1 best seller on Amazon in several categories, including, Aging, Longevity, and Neuroscience.It is important to keep our mind and body strong especially as we age. They review top 10 points.https://www.hartfordfunds.com/insights/investor-insight/client-seminars/retain-your-brain/10-brain-tips-to-help-keep-your-brain-healthy-as-you-age.html 

Welcome to the Horizon Advisers Unleashed podcast with Ryan andAndrew! In this episode, we're taking you on a virtual journey to thecaptivating island of Jamaica. From its stunning landscapes to its vibrantculture, Jamaica has something for every traveler.Join us as we share our experiences exploring this Caribbeangem, discussing everything from the bustling capital of Kingston to thetranquil shores of its world-renowned resorts. We'll dive into the heart ofJamaica, exploring its rich history, diverse cuisine, and warm hospitality.Discover why Jamaica is a top destination for travelers seekingsunshine, adventure, and relaxation. With its average temperature in themid-80s and sunny skies year-round, it's no wonder why visitors flock to thisisland paradise.During our conversation, we'll highlight two must-visit resortsthat showcase the best of Jamaican hospitality and luxury. Whether you'recraving a serene beach getaway or an adrenaline-pumping adventure, theseresorts offer something for everyone.But our journey doesn't stop there! Tune in to learn somefascinating facts about Jamaica, from its towering mountain ranges to itsvibrant wildlife. Did you know that Jamaica is home to one of the largestbutterflies in the world? Or that Ian Fleming penned his famous James Bondnovels on this very island?So, grab your headphones and join us as we explore the wondersof Jamaica. Whether you're a seasoned traveler or planning your first Caribbeanadventure, this episode will inspire you to pack your bags and experience thebeauty of Jamaica for yourself. Don't miss out on the chance to immerseyourself in the culture, cuisine, and charm of this enchanting island nation.

Andrew interviews their friend Liz Casselman. Liz is a Real estate attorney and partner at her family's law firm Halabu, P.C. She is also owner and Chief Operating Officer of Birmingham Title Agency and American Title Agency of Lenawee. She Earned her designation as a Certified Land Title Professional through the Michigan Land Title Association in 2023. Liz is also a licensed title producer agent in Michigan, Illinois, and Ohio.In addition to her work as a title agent, she founded Birmingham Exchange Company, a qualified intermediary facilitating 1031 exchanges all over the country, earning her designation as a Certified Exchange Specialist through the Federation of Exchange Accommodators. Lastly, Liz is also the Vice President of Gandol Inc., a construction and commercial door company.In 2023, she published her first book, “Not Just a Title: A Journey of Growth in the Title Industry

Welcome to Horizon Advisers Unleashed, where we explore the intersection of mental and physical health to empower your lifestyle. Join us as we delve into practical strategies and expert insights to cultivate holistic well-being. From mindfulness practices to fitness routines, we uncover the secrets to maintaining optimal health in today's fast-paced world. Tune in to unlock the keys to a balanced life on Horizon Advisers Unleashed.

Ryan interviews a good friend, Terry Conway, from National Home Lending. Terry is an expert in mortgages and has been in the business for decades. He shares some insight into where things have been in the current environment. They discuss the different types of mortgages and how to best prepare to get one. There is a lot involved in buying a house and working with a team may help you eliminate common mistakes.

Andrew and Ryan discuss some of the important items to consider as you plan for international travel.Prepare for Your International Trip with These Financial Tips (cnbc.com)

Ryan and Andrew discuss an article found on CNN Business. “So make just one financial New Year’s resolution for 2024: Figure out what financial well-being means for you. It will be a highly personal endeavor. Then pick one or two steps to improve it.”

Ryan and Alex discuss an article found in USA Today. They review the article touching on key findings: America’s financial goals, how Americans feel about the economy, and how Americans feel about their financial health. Listen in to take their take on these topics.https://www.usatoday.com/money/blueprint/banking/financial-new-years-resolutions-2024/

Ryan and Andrew discuss the importance of not being complacent with money issues. Being complacent in any part of life will set you up for failure. Using excuses like “I didn’t know,” can cost you a lot in life. You must have an understanding on what is going on in your financial situation and take control. Ignoring money issues can create bad habits…and as we all know…habits are hard to change.

Andrew and Alex discuss the potential greatest wealth transfer in history and what implications it could have on our economy.https://www.thedailyupside.com/economics/personal-finance/the-largest-wealth-transfer-in-history-has-begun/

Ryan and Alex ask the question are you saving the right way? With so many ways to save which ones are best for different goals. They discuss the different kinds of accounts available, pro's and con's, and tax benefits of those accounts. 

Ryan and Alex discuss leaving a second home as part of a legacy. Many people are emotionally tied to a property. Many wish to leave them behind for their kids or grandchildren. If you have thought about this before, you should listen and learn what you should think about when leaving real-estate to family. If you want a house to stay with your family beyond you, there is a lot of work and money in homeownership.

Andrew and Alex are joined by guest Tim Scaturro, who is a CFP® and registered representative of Cetera Advisor Networks. Tim is a business owner and Colorado native who has incredible insights and experiences to share about where he comes from. 

Andrew and Alex discuss debt at a high level before diving into how it can be used for good and for bad. Debt is a highly debated topic that has advantages and disadvantages. How do you manage your debt?

Andrew and Ryan discuss the link between money and mental health. How does your financial situation effect your emotional state?Americans are so worried about money, it's hurting mental health (nbcnews.com)

Ryan and Andrew discuss rental units. Many people approach them and ask if they're a good investment. They talk about the pro’s and con’s along with what to consider before starting the process. Rentals can require a lot of time and effort along with your money. They also talk about some of the risks involved.

Ryan and Andrew love to discuss change. With the new year coming up, many people start looking into 2024, saying “what do I want that is different?” It may be a new car or house. It may be getting a new job or even retiring. Finding a better overall sense of happiness. Trying new things or hobbies. Look ahead and see a few things you could work on and start taking baby steps in the right direction.

Ryan and Alex discuss the overall market. What is the S&P 500 and how does it work. Can you compare a diversified portfolio to the S&P?  What is a large cap, mid cap, and small cap stock? They also discuss current events and how they may impact you looking forward.

Ryan and Andrew have a conversation about what to be thinking about going into the end of the year. The year is flying by, and it is a good time to pause and make sure you are going to hit your goals for the year. Whether they were personal goals or financial goals you still have time to impact them. They discuss a list of items you may want to look at.