Most 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 40s
• What actually moves the needle when it comes to building wealth
• How to think about investing, saving, and planning in today’s environment
• And what you should be doing right now—no matter where you’re starting

If 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.

No 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 $1,000
• How to handle your first $10,000
• When to invest vs. pay off debt
• The biggest financial mistakes people make early on
• How to build wealth without sacrificing your lifestyle
• Why most people fail due to poor money order—not income

Buying 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.