When it comes to financial advice, not everything you hear is worth following — and some of it can even set you back.

In this episode of Horizon Advisers Unleashed, Andrew and Ryan dive into what makes financial advice truly dangerous and why common money myths continue to mislead people. From "real estate is always a guaranteed investment" to "you’ll be in a lower tax bracket in retirement," they unpack the misconceptions that can quietly derail your financial plan.

You'll hear:

• How to recognize advice that isn’t personalized to your goals
• Why outdated "rules of thumb" can be risky
• What questions you should ask before acting on financial tips

At Horizon Advisers, we believe smart planning starts with asking the right questions — and knowing when to dig deeper. Join us as we help you separate fact from fiction and make smarter financial decisions.

In this episode, Ryan and Scott break down the fundamentals of credit—what it is, how it works, and why it matters. They start by clearing up the confusion between credit vs. debit, then dive into how credit cards function, interest rates, and the mechanics behind building a credit score.

Whether you’re just getting started or want to sharpen your understanding, this conversation covers:

✅ What is credit, really?
✅ How credit cards differ from debit cards
✅ What makes up your credit score
✅ Why your credit history plays a key role in long-term financial success
✅ Smart habits to build and maintain strong credit

From buying a house to getting the best insurance rates, credit touches more of your financial life than you might think. Tune in and take control of your credit future.

Rory McIlroy’s journey to winning The Masters was filled with ups, downs, and near-misses — and in this episode, Ryan and Andrew draw the powerful parallels between championship golf and successful investing.

From steady starts to mid-game stumbles and final-round comebacks, the guys explore:

⛳ How emotional control can be your biggest asset
📈 Why sticking to your strategy matters — even when things go sideways
🏌️‍♂️ What it means to play the long game with your money
💼 And how investors (like golfers) often win by not giving up

Whether you're managing a portfolio or reading a putt on 13, this episode will help you stay focused on what really matters: the big picture.

In this episode of Horizon Advisers Unleashed, host Alex Dinser welcomes back Sandy Mall, founder and senior partner of Mall Malisow & Cooney, PC, to break down the SECURE Act and its impact on retirement and estate planning. This landmark legislation has changed the rules for inherited IRAs, required minimum distributions (RMDs), and tax strategies—and understanding these changes is crucial for protecting your financial future.

Join us as we unpack the SECURE Act’s key provisions, discuss who is most affected, and explore strategies to maximize retirement savings while minimizing tax burdens. Whether you're planning your own retirement or managing an estate, this episode delivers must-know insights to keep you ahead of the curve.

🔹 How does the SECURE Act impact inherited IRAs?

🔹 What are the new RMD rules—and how do they affect you?

🔹 Tax-saving strategies to optimize your retirement and estate plan

🔹 Why proactive planning is more important than ever

Don’t miss this expert discussion on how the SECURE Act is reshaping retirement planning and what you can do now to secure your legacy and financial well-being!

In this episode of Horizon Advisers Unleashed, host Alex Dinser sits down with nationally recognized estate planning and elder law expert, Sandy Mall, to unravel the complexities of probate, estate administration, and elder care law. As the founder and senior partner of Mall Malisow & Cooney, PC, Sandy brings decades of experience guiding families through the legal landscape of estate planning, Medicaid/Medicare benefits, special needs trusts, and more.

Tune in as we demystify the probate process, uncover common pitfalls, and share proactive strategies to help you protect your assets, ensure your wishes are honored, and avoid unnecessary legal headaches. Whether you're planning for yourself or helping a loved one navigate estate matters, this episode is packed with expert insights and practical advice you won’t want to miss!

🔹 What exactly is probate, and why does it matter?

🔹 How can you simplify or avoid the probate process altogether?

🔹 Key estate planning moves to safeguard your family’s future

🔹 Common mistakes that lead to costly legal battles—and how to prevent them

Don’t miss this deep dive into probate law and estate planning essentials with one of the nation’s leading elder law attorneys!

Join Ryan Kus and Andrew Hinrichs as they break down the essential first steps to creating a budget that actually works. Whether you're just starting out or looking to fine-tune your finances, they’ll walk you through key strategies like tracking expenses, setting realistic goals, and avoiding common budgeting mistakes. Learn how to take control of your money and build a financial plan that aligns with your lifestyle. Tune in and start making your money work for you!

In this episode of Horizon Advisers Unleashed, Alex Dinser and Andrew Hinrichs dive into a critical question many taxpayers face: When is it time to stop doing your own taxes and hire a CPA? They break down key signs that indicate you might need professional tax help, from increasing income and complex investments to running a business or dealing with major life changes.

Alex and Andrew also explore how a CPA can help optimize deductions, navigate tax law changes, and provide strategic tax planning beyond just filing a return. Whether you’re a W-2 employee, a business owner, or someone juggling multiple income streams, this episode will help you decide if it’s time to level up your tax strategy.

Tune in for practical insights and expert advice to make sure you’re maximizing your financial potential!

Money Red Flags in a Partner: What to Watch For!

When it comes to relationships, love might be blind—but your wallet shouldn’t be! On this episode of Horizon Adviser Unleashed, Ryan and Andrew dive into the biggest money red flags you should watch for in a potential partner. From secret debts and reckless spending to mismatched financial values, we’re breaking down the warning signs that could impact your future wealth and well-being.

Is your partner financially responsible, or are they waving red flags you can’t afford to ignore?