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 Sedona’s spiritual energy and breathtaking hikes to Maine’s charm, lobster rolls, and ocean views, the conversation blends travel inspiration with real talk about work-life balance, financial freedom, and how intentional time away can spark fresh perspectives back at home and in business.

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 just numbers and nest eggs.

Together, they unpack the concept of the “Freedom Paradox” — why having more time and choices in retirement doesn’t automatically mean greater fulfillment. From purpose-driven planning to lifestyle design, this conversation dives into how emotions, identity, and behavior shape our financial decisions in this next chapter of life.

Whether you’re approaching retirement or guiding others through it, this episode offers a fresh perspective on aligning money with meaning — and redefining what true freedom looks like.

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 Horizon Advisers Unleashed, Ryan and Andrew unpack the unique financial challenges facing people caught between supporting aging parents and raising children. From managing cash flow and care costs to maintaining your own financial independence, they’ll explore strategies to stay balanced when everyone depends on you.

They’ll also share real-life examples from clients navigating this season of life — and how a smart, compassionate financial plan can bring order to the chaos.

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 Advisers Unleashed, Ryan and Andrew break down what life looks like after you cross seven figures. They’ll talk about how your mindset, goals, and financial strategy should evolve — from protecting what you’ve built, to planning for the next phase of growth, to avoiding lifestyle creep.

Whether you’re nearing the million mark or already there, this conversation will help you think like a true wealth builder — not just someone with a big balance sheet.

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 Horizon Advisers Unleashed, Ryan and Andrew dig into the psychology behind financial inertia — the invisible force that keeps people from taking action.

They’ll explore common triggers that cause delay, from fear of making a mistake to information overload. More importantly, they’ll share practical strategies for breaking through paralysis and building momentum. If you’ve ever said, “I’ll get to it next year,” this conversation will give you the nudge to finally move forward with confidence.

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 of Horizon Advisers Unleashed, Alex and Andrew break down why our brains love to trick us into believing the past was predictable, how this false sense of certainty fuels overconfidence, and the costly mistakes it can cause in investing. From market bubbles to economic shocks, hindsight bias shapes the way we look at history — and unfortunately, how we try to predict the future.

You’ll learn:

• Why hindsight bias makes investing seem easier than it really is.
• How “I knew it all along” thinking leads to overconfidence and regret.
• Practical steps to avoid hindsight traps and stick to a solid investment process.

By the end, you’ll see why the smartest investors don’t try to predict the past or the future — they focus on making sound, repeatable decisions today.

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 should think about before hanging up their first “open” sign.

From choosing the right business structure to understanding your tax responsibilities, they’ll walk through the financial and legal foundations that give your business the best chance to thrive. You’ll also hear best practices for separating personal and business finances, setting up smart accounting systems, and creating a financial game plan to weather both the good times and the challenges ahead.

Whether you’re planning a side hustle or building the next big company, this conversation will help you start strong, avoid common pitfalls, and move forward with confidence.

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.