Open 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.

The 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.

November 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.

In this laid-back Horizon Advisers Unleashed lifestyle episode, Ryan and Andrew share their favorite local spots, unexpected adventures, and the simple joys that come from hitting pause and exploring somewhere new.

From Sedona’s spiritual energy and breathtaking hikes to Maine’s charm, lobster rolls, and ocean views, the conversation blends travel inspiration with real talk about work-life balance, financial freedom, and how intentional time away can spark fresh perspectives back at home and in business.

In this episode of Horizon Advisers Unleashed, Alex Dinser and Andrew Hinrichs sit down with John Diehl, Vice President of Hartford Funds and expert in behavioral finance, to explore how retirement planning has evolved beyond just numbers and nest eggs.

Together, they unpack the concept of the “Freedom Paradox” — why having more time and choices in retirement doesn’t automatically mean greater fulfillment. From purpose-driven planning to lifestyle design, this conversation dives into how emotions, identity, and behavior shape our financial decisions in this next chapter of life.

Whether you’re approaching retirement or guiding others through it, this episode offers a fresh perspective on aligning money with meaning — and redefining what true freedom looks like.

You’re saving for your kids’ college, trying to build your own retirement, and suddenly… your parents need help too. Welcome to the Sandwich Generation — where financial planning meets emotional juggling.

In this episode of Horizon Advisers Unleashed, Ryan and Andrew unpack the unique financial challenges facing people caught between supporting aging parents and raising children. From managing cash flow and care costs to maintaining your own financial independence, they’ll explore strategies to stay balanced when everyone depends on you.

They’ll also share real-life examples from clients navigating this season of life — and how a smart, compassionate financial plan can bring order to the chaos.

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.