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.

Healthcare Bridge: Before Medicare Kicks In

Retiring 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 savings?

In this episode, Ryan and Andrew break down the real options for pre-retirees: COBRA, ACA marketplace plans, spousal coverage, part-time work with benefits, and even alternative solutions like HSAs and health-sharing programs. They’ll share the pros, cons, and strategies for making the most of each choice—plus tips on how to manage your income to keep premiums affordable.

If you’re dreaming of early retirement, don’t let healthcare costs catch you off guard. Ryan and Andrew explain how to build a bridge from your last day of work to your first day on Medicare with confidence and clarity.

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 lifestyle playbook—skipping expensive nights out, favoring meaningful (and budget-friendly) experiences, and putting savings and debt payoff ahead of flash and excess.

We’ll dig into what’s driving this cultural shift, how financial habits influence relationships, and what this means for your own financial journey—whether you’re dating, married, or somewhere in between. You’ll hear real stats, personal stories, and practical tips for keeping both your wallet and your relationship healthy.

Source: https://www.reuters.com/markets/wealth/is-it-sexy-be-financially-responsible-2025-08-08/

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 questions like: “What’s next for me?” and “How do I live a meaningful life after work?”

We dive into how retirement coaching addresses the emotional and psychological aspects of leaving a career, how it can help clients avoid “post-retirement blues,” and why this human-first approach is becoming a competitive edge for forward-thinking advisory firms.

Whether you're planning your own next chapter or advising others through theirs, this episode will open your eyes to the power of planning for purpose—not just paychecks.

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 promise—and limitations—of using AI for personal finance. From investing your life savings to figuring out if you can retire at 65, we break down where AI tools shine and where human guidance still matters most.

If you've ever asked ChatGPT about retirement or plugged your future into a robo-advisor, this episode is for you. Let’s separate the hype from the helpful and uncover when it’s smart to get help from a real (human) financial pro.

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. They cover:

• Which accounts typically do go through small probate
• How to avoid probate altogether with simple planning
• What to know about jointly owned accounts, PODs, and TODs
• Real-world examples of how families can save time, money, and stress
• Why the size of the estate doesn’t always match the complexity

Whether you're helping a family member settle an estate or planning ahead for your own legacy, this episode offers clarity on an often confusing process.

🔍 Spoiler alert: Proper beneficiary designations and titling can make all the difference.