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?

You’ve just welcomed a new baby—congrats! 🎉 But now, amidst the diapers and sleepless nights, you’re probably wondering: How do I set my child up for a strong financial future? In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs break down the best accounts to open for your little one, from 529 college savings plans to custodial investment accounts and even Roth IRAs (yes, really!). Learn how to make the smartest money moves today so your child is financially secure tomorrow. Tune in now and give your kid the ultimate head start!

In this episode of Horizon Adviser Unleashed, hosts Ryan Kus and Andrew Hinrichs tackle a common financial concern—what to do if you’re in your 50s and feel behind on your retirement savings. Should you take on more risk to catch up? Or is there a smarter, more strategic approach? Ryan and Andrew break down key considerations, including risk tolerance, investment time horizons, tax-efficient strategies, and alternative ways to boost your retirement savings without making reckless decisions. If you’re feeling the pressure of time, this episode is packed with insights to help you make confident financial moves. Tune in now!

In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs dive into the world of side hustles—are they a smart financial move or just another source of burnout? They break down the pros and cons, discuss when a side hustle makes sense, and share the best ways to turn extra income into long-term wealth.

🔹 When does a side hustle help (or hurt) your financial plan?
🔹 How to choose a side hustle that fits your goals and lifestyle
🔹 Common mistakes people make when chasing extra income
🔹 Best side hustles for those looking to retire early, build wealth, or pay off debt faster

Whether you’re thinking about freelancing, real estate, or content creation, this episode will help you decide if a side hustle is right for you. Tune in for expert insights and actionable tips! 🎙️💡

In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs break down the Coast FIRE strategy—a financial independence approach that lets you save aggressively early, then "coast" to retirement without needing to contribute more. They discuss how to calculate your Coast FIRE number, the power of compound growth, and why this strategy offers flexibility, career freedom, and peace of mind. Whether you're in your 20s looking to set yourself up for success or in your 30s wondering if you’ve already hit Coast FIRE, this episode is packed with actionable insights to help you build a stress-free path to financial independence.

🔹 How much do you need to save to hit Coast FIRE?
🔹 Is Coast FIRE right for you?
🔹 Common mistakes and how to avoid them

Tune in to learn how to work less, save smarter, and let your money do the heavy lifting!

In this insightful two-part series of the Horizon Advisers Unleashed Podcast, Ryan Kus and Alex Dinser dive deep into the emotional side of money management. They explore how emotions influence financial decisions, the psychology behind spending and saving, and strategies to stay rational in times of financial stress.

Part 2 takes a deeper dive into overcoming common emotional pitfalls, such as fear of market volatility or guilt around spending. Ryan and Alex provide actionable advice on how to align your financial decisions with long-term goals while maintaining emotional balance