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.

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.