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 conditions, what indicators to watch, and how everyday investors can position themselves for whatever comes next.

If you’ve been wondering whether to refinance debt, adjust your portfolio, or just make sense of the headlines, this conversation will give you clarity and practical takeaways.

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 permanent policies.
• Common misconceptions about cost and accessibility.
• Why life insurance is not just about death, but also about living benefits.
• The impact life insurance can have on your broader financial plan, estate planning, and even business continuity.

Whether you’re just starting out, raising a family, or building long-term wealth, this conversation will help you understand how life insurance can be a cornerstone of financial confidence.

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 you. With their signature mix of clarity, humor, and real-world experience, this conversation will help you rethink what retirement can (and should) look like.

👉 Tune in to learn how to build a retirement plan that goes beyond an age—and supports the life you truly want.