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.

Alex and Andrew discuss the Big Beautiful Bill, focusing on some key parts of the new legislation that will affect consumers & retirees.

In 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.

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.