Podcast
Horizon Advisers Unleashed Podcast
Hosted by Ryan Kus, Alex Dinser, and Andrew Hinrichs · EN
As financial planners and business owners, we will discuss many topics. Our goal is to educate listeners on specific financial topics as well as conducting interviews of other business professionals. We hope you learn from their insight, stories, and experiences.Financial Advisor offering securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity Tax services are provided by Horizon Advisers. Cetera Wealth Services LLC does not provide tax services. Tax and accounting services provided by Horizon Advisers CPA. Cetera Wealth Services LLC does not provide tax nor accounting services. 50 W Big Beaver Road, Troy, MI 48084. Cetera Wealth Services, LLC was previously known as Cetera Advisor Networks LLC
12episodes
Episodes
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#241 - How Family Origin Shapes Your Relationship with Money | Conversation with Dr. Nick Phillips
1w ago01:03:35Tap to summarizeWhy do some people naturally save while others struggle to hold onto money? Why do certain financial decisions feel easy for one person and stressful for another?In this episode, Andrew joined by guest Dr. Nick Phillips explore the powerful connection between family origin and financial behavior. They discuss how the money messages we receive growing up—from our parents, grandparents, and early life experiences—can shape our beliefs about spending, saving, investing, risk, and financial success.The conversation dives into how family dynamics influence our financial mindset, the hidden patterns that impact decision-making, and the importance of recognizing these influences to build a healthier relationship with money. Whether you grew up in a household where money was openly discussed or rarely mentioned at all, understanding your financial roots can provide valuable insight into your current habits and future goals.Tune in for an engaging discussion on self-awareness, financial behavior, and the lasting impact family origin has on the way we handle money.
Transcribe →#240 - Interview with Dennis Weiss
3w ago00:57:30Tap to summarizeIn this episode, Alex and Andrew sit down with Dennis Weiss for a wide-ranging conversation on entrepreneurship, leadership, investing in sports, and the mindset required to succeed in business today. Dennis shares insights from his own experiences building businesses, navigating challenges, and spotting emerging opportunities in evolving industries.
Transcribe →#239 -What a Next-Gen CFP® Would Tell You About Your Money Today with Dylan Woebkenberg
May 700:40:17Tap to summarizeMost people think financial planning is something you “get to later.”But what if the people closest to the ground—young, hungry advisors building from scratch—actually have the clearest perspective on what works?In this episode, Andrew sits down with Dylan Woebkenberg, a Certified Financial Planner® who’s built his career from the ground up, to break down what he’s seeing firsthand with clients today.We’re skipping the résumé and getting straight to what matters:The biggest money mistakes people make in their 20s, 30s, and 40sWhat actually moves the needle when it comes to building wealthHow to think about investing, saving, and planning in today’s environmentAnd what you should be doing right now—no matter where you’re startingIf you’ve ever wondered, “Am I doing the right things with my money?”—this episode is for you.🎯 Walk away with practical strategies, a clearer roadmap, and confidence in your next move.
Transcribe →#238 -If I Had to Start From $0… Here’s Exactly What I’d Do with Brad Splindler
Apr 2200:35:47Tap to summarizeNo savings. No investments. Just a fresh start.In this episode of Horizon Advisers Unleashed, Ryan Kus sits down with CFP® Brad Spindler to break down a simple, step-by-step game plan for building wealth from scratch.No hype. No complicated strategies. Just what actually works.👉 If you’re in your 20s, 30s, or even 40s and feel like you’re working hard but not getting ahead… this episode is for you.💡 In This Episode, You’ll Learn:What to do with your first $1,000How to handle your first $10,000When to invest vs. pay off debtThe biggest financial mistakes people make early onHow to build wealth without sacrificing your lifestyleWhy most people fail due to poor money order—not income
Transcribe →#237 - The Smart Home Buyer’s Checklist: 10 Moves That Protect Your Wealth
Apr 800:48:46Tap to summarizeBuying a home is one of the biggest financial decisions you’ll ever make — but most people focus on the paint colors and forget the financial strategy.In this episode, Ryan and Andrew break down the Top 10 things you should do when buying a house — before you make an offer, during the process, and after you get the keys.From credit scores and mortgage strategy to emergency reserves, insurance gaps, tax surprises, and long-term wealth planning — this episode is your complete financial checklist for buying smart.If you’re buying your first home, upgrading, downsizing, or considering a second property, this episode will help you avoid costly mistakes and protect your long-term financial plan.Because the goal isn’t just owning a home. It’s owning it without wrecking your future.
Transcribe →#236 - One Big Beautiful Bill Act
Mar 1100:34:36Tap to summarizeAlex and Andrew discuss the Big Beautiful Bill, focusing on some key parts of the new legislation that will affect consumers & retirees.
Transcribe →#235 - Drake Filippis Interview
Jan 2800:44:52Tap to summarizeIn this episode, we talk with Drake Filippis, Associate Broker at Signature Associates, about his path from mortgages and residential sales into commercial real estate Drake Filippis. Drake shares the moment he knew commercial was his future, how his father’s career influenced him, and why specialization matters in larger, more complex real estate deals. He also breaks down who he serves in Michigan markets like Ann Arbor and Livonia, how he builds client relationships, and when property owners or investors should reach out to a commercial broker. Plus, get a behind-the-scenes look at his early mornings, “old-school” work ethic, and why being in the office and out in the field still gives brokers a competitive edge. A great listen for anyone interested in commercial real estate, investing, or building a high-performance career.
Transcribe →#234 - Employee Benefits 101: What Most People Get Wrong During Open Enrollment
Dec 1700:48:42Tap to summarizeOpen enrollment can feel like a blur of forms, jargon, and guesses — but the choices people make in these few weeks have a massive impact on their finances for the entire year. In this episode, Ryan and Andrew break down the most common mistakes employees make when selecting benefits… and the simple, strategic moves that can save real money.From HSA vs. PPO decisions, disability insurance pitfalls, and life insurance traps to dependent care strategies and employer match misunderstandings — this is a practical, no-nonsense guide to getting benefits right. Whether you're an employee, HR leader, or business owner, you'll gain clarity on what to choose, what to skip, and how to maximize the compensation you're already earning.Perfect for anyone heading into open enrollment or helping others navigate it.
Transcribe →#233 - The Last 30 Days that Shape your Financial Year
Dec 1000:37:55Tap to summarizeThe final month of the year may be filled with holiday distractions, but it’s also where your financial year is won or lost. In this episode, Ryan and Andrew break down the high-impact money moves to make before December 31 — from tax-loss harvesting and charitable gifting strategies to maxing out retirement and HSA contributions. We’ll cover the exact contribution limits for 2024/2025, critical RMD deadlines, and the simple checks that can protect your wealth, reduce taxes, and set you up strong for next year. Before the ball drops, make sure your finances are ready for a fresh start!Perfect for individuals and families looking to finish the year right — and for anyone who wants to keep more of what they earn.
Transcribe →#232 - Planning Ahead - Long-Term Care Awareness Month
Nov 2600:39:28Tap to summarizeNovember marks National Long‑Term Care Awareness Month — an ideal time for a proactive, no-fear conversation about long-term care (LTC) planning, the risks Americans face if they wait, and how to incorporate LTC strategies into a comprehensive financial plan. In this episode, Ryan and Alex will dig into the latest statistics on LTC need and cost, explore key misconceptions, and provide actionable steps individuals and families can take now to protect their future, preserve assets, and reduce the burden on loved ones. Whether you’re in your 40s, 50s or planning for retirement, this episode will equip you with knowledge and questions to ask — because when it comes to long-term care, the best strategy is having one.
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