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.