Horizon Advisers Unleashed Podcast
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. Cetera Wealth Services, LLC was previously known as Cetera Advisor Networks LLC
Episodes
239 episodes
#239 -What a Next-Gen CFP® Would Tell You About Your Money Today with Dylan Woebkenberg
Most people think financial planning is something you “get to later.”But what if the people closest to the ground—young, hungry advisors building from scratch—actually have the clearest perspective on what works?In this episode, A...
#238 -If I Had to Start From $0… Here’s Exactly What I’d Do with Brad Splindler
No savings. No investments. Just a fresh start.In this episode of Horizon Advisers Unleashed, Ryan Kus sits down with CFP® Brad Spindler to break down a simple, step-by-step game plan for building wealth from scratch.No h...
#237 - The Smart Home Buyer’s Checklist: 10 Moves That Protect Your Wealth
Buying a home is one of the biggest financial decisions you’ll ever make — but most people focus on the paint colors and forget the financial strategy.In this episode, Ryan and Andrew break down the Top 10 things you should do when bu...
#236 - One Big Beautiful Bill Act
Alex and Andrew discuss the Big Beautiful Bill, focusing on some key parts of the new legislation that will affect consumers & retirees.
#235 - Drake Filippis Interview
In this episode, we talk with Drake Filippis, Associate Broker at Signature Associates, about his path from mortgages and residential sales into commercial real estate Drake Filippis. Drake shares the moment he knew commerci...
#234 - Employee Benefits 101: What Most People Get Wrong During Open Enrollment
Open enrollment can feel like a blur of forms, jargon, and guesses — but the choices people make in these few weeks have a massive impact on their finances for the entire year. In this episode, Ryan and Andrew break down the most common mistake...
#233 - The Last 30 Days that Shape your Financial Year
The final month of the year may be filled with holiday distractions, but it’s also where your financial year is won or lost. In this episode, Ryan and Andrew break down the high-impact money moves to make before December 31 — from tax-loss harv...
#232 - Planning Ahead - Long-Term Care Awareness Month
November marks National Long‑Term Care Awareness Month — an ideal time for a proactive, no-fear conversation about long-term care (LTC) planning, the risks Americans face if they wait, and how to incorporate LTC strategies into a comprehensive ...
#231 - Money Meets Mindfulness: The Art of the Weekend Escape
In this laid-back Horizon Advisers Unleashed lifestyle episode, Ryan and Andrew share their favorite local spots, unexpected adventures, and the simple joys that come from hitting pause and exploring somewhere new. From Sed...
#230 - The Freedom Paradox: Rethinking Retirement Through the Lens of Behavioral Finance
In this episode of Horizon Advisers Unleashed, Alex Dinser and Andrew Hinrichs sit down with John Diehl, Vice President of Hartford Funds and expert in behavioral finance, to explore how retirement planning has evolved beyond...
#229 - Stuck in the Middle: Financial Survival for the Sandwich Generation
You’re saving for your kids’ college, trying to build your own retirement, and suddenly… your parents need help too. Welcome to the Sandwich Generation — where financial planning meets emotional juggling.In this episode of H...
#228 - You’ve Hit $1 Million — Now What?
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...
#227 - The Psychology of Financial Inertia: Why We Put Off Money Decisions
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 Horizo...
#226 - I Knew It All Along: The Trap of Hindsight Bias in Investing
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...
#225 - What to Think About When Starting a Business
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 sh...
#224 - The Fed Funds Rate: What’s Next and What It Means for Your Money
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...
#223 - Life Insurance Awareness Month
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...
#222 - Rethinking Retirement: 65 Is Just the Beginning
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, purpo...
#221 - Healthcare Bridge: Before Medicare Kicks In
Healthcare Bridge: Before Medicare Kicks InRetiring 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 ...
#220 - Is Financial Responsibility the New Sexy?
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 lifest...
#219 - Beyond the Numbers: Retirement Coaching and the Human Side of Planning
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 qu...
#218 - AI Is Smart, But It's Not Magic: Can You Really Trust a Bot with Your Financial Future?
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 prom...
#217 - Skip the Stress: How Small Probate Really Works
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. Th...
#216 - The Cost of Being a Working Parent
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 f...
#215 - When a Job is lost Unexpectedly - Now What?
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 wa...