You've calculated your Social Security. You know what your 401(k) is worth. You've estimated your monthly expenses. So, you're ready for retirement...right?

Maybe not.

Some of the biggest threats to a retirement plan aren't the expenses people plan for—they're the ones they never saw coming.

In this episode, Ryan Kus and Andrew Hinrichs discuss some of the biggest unexpected costs retirees face, including healthcare, long-term care, home repairs, helping family, taxes, and major purchases.

More importantly, they discuss how to prepare for these expenses without feeling like you need to save every dollar and never enjoy retirement.

Because a good retirement plan shouldn't just work when everything goes according to plan. It should be built for the things that don't.

We spend most of our lives trying to make more, save more, and build more—but when do you finally have enough?

In this episode, Ryan and Andrew tackle one of the hardest questions in financial planning: How much money is enough?

Enough to retire. Enough to stop worrying. Enough to help your kids. Enough to take the trip. Enough to spend without feeling guilty.

They discuss why “enough” isn't simply a net-worth number, why some people with millions still don't feel financially secure, and how a good financial plan can help you shift from constantly accumulating wealth to actually enjoying what you've built.

Because the goal isn't to die with the biggest portfolio.

The goal is to use your money to build the life you actually want.

In this episode of Horizon Advisers Unleashed, we sit down with Caroline Wenker, Vice President and Portfolio Manager at PGIM Fixed Income, to break down the municipal bond market.

We discuss how municipal bonds work, how they compare to other fixed-income investments, the Detroit bond story, recent muni performance, and what the Fed’s latest decisions could mean for bonds going forward.

Every week, clients ask us questions that millions of Americans are wondering about—but few people talk about openly.

Should I pay off my mortgage early? Am I saving enough for retirement? How much cash should I keep? When should I take Social Security? Can I actually retire?

In this episode, Ryan Kus and Alex Dinser answer the real financial questions they hear every week from clients. No complicated jargon, no market predictions—just practical guidance and the thought process behind making smart financial decisions.

Whether you're building wealth, preparing for retirement, or simply trying to make better money decisions, this episode will give you insight into the conversations financial planners are having every day.

Many people in their 40s and 50s feel like they're being pulled in two directions at once. They're helping their children pay for college, first homes, or everyday expenses while also stepping into the role of caregiver for aging parents.

Welcome to the Sandwich Generation.

In this episode, Ryan Kus and Andrew Hinrichs discuss the financial and emotional challenges of balancing multiple generations that depend on you. They cover how to protect your own retirement while helping loved ones, common planning mistakes families make, and practical strategies for navigating long-term care, estate planning, and family conversations.

If you've ever wondered, "How do I help everyone without sacrificing my own future?" this episode is for you.

If you're earning more money than ever before but still feel like you're falling behind, you're not alone.

In this episode of Horizon Advisers Unleashed, Ryan Kus and Andrew Hinrichs tackle a surprising reality: many high-income earners are experiencing significant financial stress despite making $250,000, $500,000, or even more per year.

How is that possible?

The answer often has little to do with income and everything to do with lifestyle inflation, taxes, debt, lack of planning, and the growing financial pressures that come with success.

During this conversation, we discuss:

• Why high income doesn't automatically create wealth
• The hidden impact of lifestyle creep
• How taxes can quietly derail your financial progress
• The difference between earning money and building wealth
• Common mistakes successful professionals make with their finances
• Why financial planning matters more than ever for high earners
• How to create true financial freedom instead of simply looking successful

Whether you're a business owner, executive, physician, sales professional, or someone striving to build long-term wealth, this episode will help you understand why income alone is not enough—and what you can do to take control of your financial future.

The goal isn't to make more money.

The goal is to create more freedom, flexibility, and peace of mind.

Tune in to learn how.

Why 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.

In 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.