Horizon Advisers Unleashed Podcast

In this episode, Ryan and Scott break down the fundamentals of credit—what it is, how it works, and why it matters. They start by clearing up the confusion between credit vs. debit, then dive into how credit cards function, interest rates, and the mechanics behind building a credit score.Whether you're just getting started or want to sharpen your understanding, this conversation covers:✅ What is credit, really?✅ How credit cards differ from debit cards✅ What makes up your credit score✅ Why your credit history plays a key role in long-term financial success✅ Smart habits to build and maintain strong creditFrom buying a house to getting the best insurance rates, credit touches more of your financial life than you might think. Tune in and take control of your credit future.

Rory McIlroy's journey to winning The Masters was filled with ups, downs, and near-misses — and in this episode, Ryan and Andrew draw the powerful parallels between championship golf and successful investing.From steady starts to mid-game stumbles and final-round comebacks, the guys explore:⛳ How emotional control can be your biggest asset

In this episode of Horizon Advisers Unleashed, host Alex Dinser welcomes back Sandy Mall, founder and senior partner of Mall Malisow & Cooney, PC, to break down the SECURE Act and its impact on retirement and estate planning. This landmark legislation has changed the rules for inherited IRAs, required minimum distributions (RMDs), and tax strategies—and understanding these changes is crucial for protecting your financial future.Join us as we unpack the SECURE Act's key provisions, discuss who is most affected, and explore strategies to maximize retirement savings while minimizing tax burdens. Whether you're planning your own retirement or managing an estate, this episode delivers must-know insights to keep you ahead of the curve.

In this episode of Horizon Advisers Unleashed, host Alex Dinser sits down with nationally recognized estate planning and elder law expert, Sandy Mall, to unravel the complexities of probate, estate administration, and elder care law. As the founder and senior partner of Mall Malisow & Cooney, PC, Sandy brings decades of experience guiding families through the legal landscape of estate planning, Medicaid/Medicare benefits, special needs trusts, and more.Tune in as we demystify the probate process, uncover common pitfalls, and share proactive strategies to help you protect your assets, ensure your wishes are honored, and avoid unnecessary legal headaches. Whether you're planning for yourself or helping a loved one navigate estate matters, this episode is packed with expert insights and practical advice you won't want to miss!

Join Ryan Kus and Andrew Hinrichs as they break down the essential first steps to creating a budget that actually works. Whether you're just starting out or looking to fine-tune your finances, they'll walk you through key strategies like tracking expenses, setting realistic goals, and avoiding common budgeting mistakes. Learn how to take control of your money and build a financial plan that aligns with your lifestyle. Tune in and start making your money work for you!

In this episode of Horizon Advisers Unleashed, Alex Dinser and Andrew Hinrichs dive into a critical question many taxpayers face: When is it time to stop doing your own taxes and hire a CPA? They break down key signs that indicate you might need professional tax help, from increasing income and complex investments to running a business or dealing with major life changes.Alex and Andrew also explore how a CPA can help optimize deductions, navigate tax law changes, and provide strategic tax planning beyond just filing a return. Whether you're a W-2 employee, a business owner, or someone juggling multiple income streams, this episode will help you decide if it's time to level up your tax strategy.Tune in for practical insights and expert advice to make sure you're maximizing your financial potential!

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!

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.

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.

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.

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.

In this episode of Horizon Adviser Unleashed, hosts Ryan Kus and Andrew Hinrichs discuss the critical first steps of wealth-building: setting aggressive financial goals. Drawing from years of experience in financial planning and investment management, they explore how ambitious goals—grounded in realistic strategies—can transform your financial future.Ryan and Andrew share actionable insights on defining what financial success looks like for you, breaking down the steps to create a plan that aligns with your goals, and staying disciplined in the face of challenges. They also discuss the importance of mindset, accountability, and leveraging expert advice to turn big dreams into achievable milestones.Whether you're looking to save for retirement, fund a dream home, or build generational wealth, this episode offers practical tools and inspiration to kickstart your journey.Tune in and learn why thinking big today can lead to financial freedom tomorrow!

In this episode of Horizon Adviser Unleashed, Alex Dinser interviews Dr. Zachary Hall, radiology resident and author of The Family Friendly Guide to Becoming a Doctor. Dr. Hall shares his journey from Troy, Michigan, to becoming a medical professional, including insights from his book, which provides a comprehensive roadmap for aspiring doctors. They discuss his passion for education, his time in Teach for America, and how he navigated the challenging yet rewarding path to medicine. Tune in for valuable advice and inspiring stories that showcase his commitment to helping future doctors achieve their dreams.Book Link:The Family Friendly Guide to Becoming a Doctor

In this episode of Horizon Advisers Unleashed, Andrew and Ryan dive into one of the most common questions for savvy savers: What's next after I've hit the limit on my 401(k)? They explore exciting strategies to help you keep building wealth, including tax-advantaged options, the role of Roth IRAs, and creative ways to leverage brokerage accounts.Discover how to prioritize your financial goals, grow your investments, and avoid costly mistakes when your 401(k) contributions are maxed out. If you're ready to take your savings to the next level, this is an episode you can't afford to miss!

In this episode of Horizon Advisers Unleashed, Andrew Hinrichs sits down with Wesley J. Mathews, a seasoned entrepreneur and the co-founder of Stealth Consulting. Wesley shares his journey from co-founding and leading High Level Marketing to a successful exit in 2021 and his mission to tackle sales and marketing challenges through his Fractional CMO company.Tune in as Wesley discusses the highs and lows of entrepreneurship, insights from his experience growing and selling a company, and how Stealth Consulting delivers strategic marketing leadership and execution for businesses. This episode is packed with real-world advice, valuable marketing strategies, and lessons learned from years at the helm of entrepreneurial ventures. Perfect for business owners, marketers, and anyone navigating the world of entrepreneurship!

Join hosts Ryan and Scott in this episode of the Horizon Advisers Unleashed Podcast as they break down nine essential money moves to jumpstart your financial future in your 20s. Whether you're just beginning your career, paying down student loans, or thinking about investing, Ryan and Scott provide practical strategies for building a solid financial foundation. From budgeting basics to retirement planning, this episode will equip you with the knowledge to make the most of this formative decade. Don't miss out on the insights that can set you on the path to financial success!

On this episode of the Horizon Advisers Unleashed Podcast, Ryan and Alex have a conversation about double-checking your estate plan. They explore why it's essential to ensure that all assets are titled properly, that beneficiary information is up to date, and, for business owners, that assignments and operating agreements are in place. Join them as they share practical insights to help you safeguard your legacy and avoid potential legal and financial complications down the road. Whether you're an individual or a business owner, this episode offers key tips for peace of mind and financial security.

Join Andrew and Ryan in this episode of the Horizon Advisers Unleashed podcast as they dive into crucial steps to consider for your financial plan before the year wraps up. From tax-saving strategies to retirement contributions, they cover it all. Learn the impact of accelerating charitable contributions, timing deductions, or taking advantage of tax-loss harvesting to offset gains. Discover how to maximize contributions to retirement accounts and consider Roth conversions before the year's end. With real-world examples and actionable insights, Andrew and Ryan make it easy to close out the year with confidence and make the most of your financial strategy.

In this eye-opening episode of Horizon Advisers Unleashed, Andrew and Ryan tackle a critical question: Are you financially prepared if your paycheck suddenly stopped? With the rising cost of living and economic uncertainty, more people are finding themselves living paycheck to paycheck, often with little to no financial buffer. Andrew and Ryan discuss strategies to build an emergency fund, evaluate spending habits, and prioritize financial goals. They'll also cover key steps to protect your income, manage debt, and create a safety net if you ever face a job loss. Tune in for practical advice on building financial resilience so you can live with peace of mind—no matter what life throws your way.

In this episode of Horizon Adviser Unleashed, Andrew and Ryan tackle a question many parents face: should you cut your kids off financially? As financial planners, they explore the pros and cons of continuing to support adult children, the impact it can have on your retirement goals, and how to set healthy financial boundaries. From discussing financial independence to strategies for gradually stepping back, Andrew and Ryan provide thoughtful advice to help you balance family support with your own financial security. Tune in to learn how to make the tough decisions that are right for both you and your kids.

On the Horizon Advisers Unleashed Podcast, Ryan and Alex discuss the topic of charitable giving, focusing on strategies to maximize tax benefits. They explore methods like using donor-advised funds, donating appreciated stock, and making qualified charitable distributions (QCD) to help listeners optimize their charitable contributions.Ryan and Alex also emphasize the importance of timing charitable giving on their podcast. They discuss strategies like lumping donations in certain years, particularly when selling a business or receiving a large bonus, to maximize tax benefits.

Join Andrew and Ryan, hosts of the Horizon Adviser Unleashed podcast, as they dive deep into the world of after-tax investments. In this episode, they break down the different types of taxes that can impact your after-tax portfolio, helping you better understand how to maximize returns and minimize surprises come tax season. Whether you're a seasoned investor or just getting started, Andrew and Ryan will guide you through strategies to optimize your investments and keep more of what you earn. Tune in for practical tips, expert insights, and actionable advice from two financial pros who know how to make your money work smarter!

In this episode of Horizon Adviser Unleashed, Alex interviews Tom Barrett, Managing Director at Hartford Funds, as they explore groundbreaking insights from Dr. Marc Milstein's study titled "Retain Your Brain." Together, they dive into the latest research on cognitive health, offering valuable strategies to maintain and strengthen brain function as we age. Whether you're interested in optimizing mental agility or want to stay sharp for the future, this conversation provides practical advice rooted in science. Tune in for an enlightening discussion on how to take charge of your brain health!

In this episode of Horizon Adviser Unleashed, Ryan and Andrew cover what to do when your financial plan just isn't delivering the results you hoped for. They discuss how to set realistic goals, the importance of understanding your cash flow, and the role a financial planner can play in getting you back on track. Whether you need to adjust your plan or take action behind it, they'll offer practical advice to help you make the necessary changes. Tune in for insights and strategies to revitalize your financial future!

In this special Labor Day weekend episode of the Horizon Advisers Unleashed Podcast, hosts Ryan and Andrew dive into their personal holiday experiences, sharing stories that are sure to inspire your next getaway. Ryan took a refreshing trip up north with his family, where they enjoyed the stunning beaches and celebrated his wedding anniversary at the renowned Mawby winery in the picturesque Leelanau Peninsula. He also dined at the Chef's House in Traverse City, indulging in local culinary delights.Meanwhile, Andrew spent the weekend at his farm in Coldwater, embracing the peaceful rural life. He also attended an exciting car auction hosted by Worldwide Auctioneers, where vintage and luxury cars took center stage. Tune in for an episode filled with travel tips, personal stories, and plenty of lifestyle inspiration!

The Horizon Advisers Unleashed podcast, hosted by Ryan and Andrew, delves into crucial financial topics with practical advice. In this episode, they focus on navigating a stock market sell-off. Ryan and Andrew break down strategies to protect your investments, discuss whether to sell, hold, or buy, and explore the psychology behind market reactions. With their expert insights, listeners gain a clear understanding of how to stay calm and make informed decisions during turbulent times in the stock market. Perfect for investors looking to enhance their financial resilience.The Nikkei 225 Index is a price-weighted index composed of Japan's top 225 blue-chip companies traded on the Tokyo Stock Exchange.

Continuing the conversation, Andrew and Ryan debunk some common myths about politically focused investment strategies. They discuss how the U.S. economy remains stable even under single-party rule, and they challenge the idea that either party has a strong claim to fiscal responsibility. The hosts remind listeners that markets don't care who's in the Oval Office and that ingenuity and investment opportunities persist regardless of political leadership.Throughout both episodes, the hosts provide a balanced perspective, urging investors to focus on long-term strategies rather than short-term political noise.Stay tuned to the Horizon Adviser Unleashed website for a detailed presentation with all source information referenced in the discussion.

In this two-part episode of the Horizon Adviser Unleashed Podcast, hosts Ryan and Andrew dive into the intriguing topic, "People Care About Elections. Markets Don't." With insights from a presentation by Brian Levitt, Global Market Strategist at Invesco, they explore how markets respond (or don't) to the political landscape.Andrew kicks things off by discussing the historical context of market performance, explaining why the challenges we face today aren't new. Ryan follows with an analysis of how markets have thrived under various administrations, highlighting that GDP growth often reflects the overall health of the economy, regardless of which party is in power. The hosts examine data across 13 presidencies, revealing that only two stand out as outliers. They delve into the significance of being a "bipartisan" investor and question the notion of the "most important election of our lives" when it comes to market impact. 

Join Ryan and Andrew on this episode of Horizon Advisers Unleashed, where they dive into the crucial role of team building in a thriving business. Fresh off a recent team retreat, they share insights and experiences that highlight the transformative power of fostering strong connections within a team. Whether you're a seasoned leader or just starting out, this episode offers valuable takeaways on how to cultivate a cohesive and motivated team. Tune in to hear stories, strategies, and practical tips that can help elevate your business to new heights through effective team building.

Join Ryan and Andrew on the Horizon Adviser Unleashed Podcast as they dive into the crucial topic of estate planning. In this episode, they review an insightful article from Kiplinger, "8 Common Estate Planning Mistakes." Tune in to learn about the pitfalls to avoid when planning your estate and ensure your legacy is protected. Whether you're just starting to think about estate planning or looking to update your current plan, this episode is packed with valuable information and practical tips. Don't miss it!https://www.kiplinger.com/retirement/estate-planning/common-estate-planning-mistakes

In this episode of the Horizon Adviser Unleashed Podcast, hosts Ryan and Andrew delve into an insightful article from the Wall Street Journal titled "Americans Chasing High Interest Rates Risk Falling Into Cash Trap" by Vicky Huang. They discuss the potential pitfalls and financial risks Americans face while seeking high-interest rates for their savings. Ryan and Andrew analyze the key points from the article, offering their expert opinions and practical advice on managing savings and investments in today's economic climate. Tune in to gain a deeper understanding of the financial landscape and learn strategies to avoid the common traps of chasing high interest rates. Don't miss this informative and engaging discussion!

In this exciting episode of the Horizon Adviser Unleashed Podcast, hosts Ryan and Andrew dive into their recent adventures in Italy. Join them as they explore the rich culture, stunning landscapes, and culinary delights of this beautiful country. From the historic streets of Rome to the picturesque coastlines of the Amalfi Coast, Ryan and Andrew share their personal experiences, travel tips, and favorite moments. Whether you're planning your own Italian getaway or just love hearing about travel adventures, this episode is packed with insights and inspiration for all travel enthusiasts. Tune in and journey through Italy with Ryan and Andrew!

Are you struggling with debt and unsure if you should start investing? In this episode of Horizon Adviser Unleashed, hosts Ryan and Alex tackle this common dilemma head-on. They explore why paying down debt should be your top priority and provide practical strategies to help you become debt-free before diving into the world of investing.

 In this episode,  we dive into a lifestyle segment where we share some of our favorite things to do in Northern Michigan. From exploring scenic trails and hidden beaches to indulging in local cuisine and visiting charming towns, we'll take you on a journey through the best that Northern MI has to offer. Whether you're a local looking for new adventures or a visitor planning your next trip, this episode is packed with tips and insights to make the most of your time in this beautiful region. 

Ryan and Andrew on "Horizon Advisers Unleashed" podcast as they dive deep into the insightful book "The Psychology of Money" by Morgan Housel. In this special book review episode, Ryan and Andrew unpack the key principles and thought-provoking concepts from Housel's exploration of the complex relationship between psychology and finance. Through engaging discussions and real-world examples, they illuminate the behavioral biases that influence financial decisions and share practical strategies for cultivating a healthy mindset towards money. Whether you're a seasoned investor or just beginning your financial journey, this podcast provides valuable insights and actionable advice to help you navigate the intricacies of personal finance with confidence.

Andrew and Ryan provide valuable insights and strategies for protecting investments during inflationary periods, offering practical advice on managing risk and maximizing returns. From understanding the impact of inflation on various asset classes to expert analysis of market predictions and economic policies, this podcast equips listeners with the knowledge and tools they need to thrive in uncertain times.

Some people who “make it” going bankrupt. What causes this to happen? Many believe it has to do with the people you surround yourself with. Andrew and Ryan discuss these theories while relating them to certain celebrity financial stories.

https://stocks.apple.com/AaewKgjyMRr-0xRHEXEAFoAAndrew and Alex speak on the recent investments by billionaires into Detroit and how it is positively effecting the city.

Welcome to the Horizon Advisers Unleashed Podcast, where hostsRyan Kus and Andrew Hinrichs provide essential insights for business owners andHR professionals on their options for retirement plans. There are variousretirement plan options available to companies, including SEP IRAs, SIMPLEIRAs, 401(k)s, and defined contribution plans. Understanding the unique limits,costs, and benefits of each plan is crucial as your company grows.Tune in to learn how to select the best retirement plan to meetyour organization's needs and ensure a secure future for your employees.Whether you're managing a small business or overseeing a large enterprise,Horizon Advisers Unleashed is your go-to resource for expert advice onnavigating the complexities of retirement planning.

Ryan and Alex, seasoned financial advisors with a passion for education, delve into the fundamental principles of financial literacy and explore innovative strategies for instilling these values in the younger generation. From budgeting basics to understanding the power of saving and investing, they cover it all with clarity, enthusiasm, and a touch of humor.Whether you're a parent seeking practical guidance on raising financially savvy kids or an educator looking for effective teaching methods, Horizon Advisers Unleashed is your go-to resource. Tune in for engaging discussions, expert interviews, and actionable tips that will empower you to equip the next generation with the tools they need to navigate the complex world of money confidently.

Join hosts Andrew and Ryan on the "Horizon AdviserUnleashed" podcast as they dive into the intricacies of achievingfinancial success through teamwork with your spouse. In this episode, Andrewand Ryan, seasoned financial advisors, unlock the secrets to harnessing thepower of collaboration within marriage to build a stable financial future.Discover practical strategies and actionable insights as Andrewand Ryan explore the dynamics of working as a team with your partner tonavigate financial challenges, set goals, and achieve prosperity. Fromeffective communication techniques to joint decision-making processes, thisepisode offers invaluable advice for couples seeking to align their financialvisions and maximize their resources.Tune in to "Horizon Adviser Unleashed" and learn howto leverage the strength of your relationship to conquer financial obstaclesand thrive together on the path to financial freedom. Whether you're a newlywedcouple or seasoned partners, this episode is packed with wisdom to help youunlock your full financial potential as a team

Andrew and Alex discuss both the financial and emotional sides of planning a wedding. Getting married is an exciting time in your life, but it is also expensive! The guys share some advice for going through the wedding process based on their own experiences.

Join hosts Ryan and Andrew as they dive into the ultimate golf pilgrimage, recounting their unforgettable journey to the iconic Masters Tournament in Augusta. From the lush green fairways to the electric atmosphere, they share their firsthand experiences, insider tips, and memorable encounters. Whether you're a die-hard golf fan or just curious about the allure of this prestigious event, tune in for a captivating conversation filled with passion, camaraderie, and the magic of Augusta.https://www.augusta.com/masters/photos/25-fun-facts-about-masters#myCarousel

Join Ryan and Andrew on the latest episode of "HorizonAdvisers Unleashed" as they delve into the pivotal topic of retirementsavings. In this episode, they dissect an article, offering listeners astraightforward method to gauge their retirement readiness at pivotal ages: 30,40, and 50.At Horizon Advisers, we champion the importance of crafting acomprehensive financial plan tailored to your unique lifestyle aspirations.After all, happiness is deeply personal, and your financial strategy shouldreflect that. However, for those seeking a quick assessment of their financialtrajectory, this episode serves as a valuable checkpoint.Tune in to discover the ideal savings benchmarks based onincome, shedding light on what it takes to achieve financial security inretirement. Moreover, Ryan and Andrew delve into the crucial considerationsindividuals should prioritize during each decade of their lives, offeringinvaluable insights to empower listeners on their financial journey. Whetheryou're just starting out or fine-tuning your retirement strategy, this episodeequips you with the knowledge needed to navigate your financial future withconfidence.https://www.bankrate.com/retirement/how-much-do-you-need-in-savings-retirement-emergency-fund/

Ryan and Alex discuss some of the project's HA has been working on when it comes to education. We have invested in a studio in our Plymouth office. Here we will be producing a variety of video content that will be accessible on our YouTube channel. This will be short content available on a broad range of financial subjects. We have also started to record video for our podcasts to give another option. Later this year we will also begin to do webinars on a variety of topics. These will be live and have a Q/A. Horizon Advisers believes in financial education and want to continue to take strides to make it educational and fun!

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.