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.

🔹 How does the SECURE Act impact inherited IRAs?

🔹 What are the new RMD rules—and how do they affect you?

🔹 Tax-saving strategies to optimize your retirement and estate plan

🔹 Why proactive planning is more important than ever

Don’t miss this expert discussion on how the SECURE Act is reshaping retirement planning and what you can do now to secure your legacy and financial well-being!

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!

🔹 What exactly is probate, and why does it matter?

🔹 How can you simplify or avoid the probate process altogether?

🔹 Key estate planning moves to safeguard your family’s future

🔹 Common mistakes that lead to costly legal battles—and how to prevent them

Don’t miss this deep dive into probate law and estate planning essentials with one of the nation’s leading elder law attorneys!

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! 🎉 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.

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!