In this episode, Alex and Andrew open up about one of the most under-discussed financial challenges—the real cost of being a working parent.

From daycare to summer camps, after-school care to sick day backups, the expenses add up fast. And it’s not just about dollars — it’s also about time, energy, and career decisions that affect long-term financial outcomes.

👶 They unpack key questions like:

• How much does childcare really cost?
• What hidden expenses often catch families off guard?
• How do two-career households juggle finances, time, and mental load?
• Is one parent stepping back worth it financially — or not?
• What tax breaks, dependent care accounts, and workplace benefits can help?

Whether you're a new parent navigating costs for the first time or a seasoned pro looking to optimize your family finances, this episode is packed with practical advice, honest reflections, and planning tips.

👉 Tune in and learn how to manage the chaos, plan with purpose, and keep your financial goals on track — while raising a family.

Whether it’s a corporate layoff, restructuring, or an unexpected termination, the financial shock can feel overwhelming. But the steps you take in the first few days and weeks can make a big difference in your long-term stability.

They walk through the key questions and decisions:

• What immediate actions should you take to stabilize your finances?
• How do you handle health insurance, severance, and unemployment benefits?
• Should you pause retirement contributions or pull from savings?
• How do you rebalance your budget to protect your emergency fund?
• And how can you turn this into an opportunity to reassess your career and financial goals?

Andrew and Alex are joined by guest Andrew Maurer, who is a licensed attorney in Grosse Pointe Woods, Michigan. Maurer has also trained in comedy writing with the Second City and a SNL television writer. Maurer served for four years as a creator/writer/producer for “Master Comics LLC.” an independent comic book label which he helped bring onto the national and international market, before leaving to pursue his J.D. from Wayne State University Law School. They discuss his career path and how he ended up where he is now!

In this special lifestyle episode of the Horizon Advisers Unleashed podcast, Andrew sits down with Ryan to hear all about his recent family getaway to one of the most breathtaking places on earth—Bora Bora. 🌴🌊

They talk about:

• What it’s really like to wake up in an overwater bungalow
• The unexpected moments that made the trip unforgettable
• Balancing adventure and relaxation with kid in tow
• Why taking time away (even as a planner) is essential for perspective
• Tips for anyone considering a trip to French Polynesia

This episode is a refreshing reminder that while we plan for the future, it’s just as important to enjoy the present. Tune in for travel stories, laughs, and a glimpse into the kind of intentional living that financial planning helps make possible.

In this thought-provoking episode of the Horizon Advisers Unleashed podcast, Ryan and Andrew tackle a topic that doesn’t get discussed enough: oversaving. 💰⏳

While most financial advice focuses on saving more, some people take it to the extreme—delaying joy, deferring experiences, and constantly fearing they haven't saved enough... even when they have.

In this episode, they explore:

• The difference between healthy saving and fear-based hoarding
• Why some high earners struggle to give themselves permission to spend
• How financial planning can help bring balance between tomorrow and today
• Real stories of people who waited too long to enjoy their wealth
• Questions to ask yourself if you're overly focused on the future

If you’ve ever wondered, “Am I allowed to enjoy my money?”—this one’s for you. It's not just about building wealth. It’s about using it meaningfully while you can.

🎧 Tune in for practical insight, mindset shifts, and a reminder that life isn’t just about preparing for the future—it’s about living it.

Struggling to control your spending—even when you know better? You’re not alone. In this episode of Horizon Advisers Unleashed, Andrew and Ryan explore the habits, emotions, and triggers behind overspending. From impulse buys on Amazon to lifestyle creep and "emotional swiping," they explain why simply creating a budget isn’t enough.

You’ll learn practical strategies to shift your mindset, stay intentional with your purchases, and put systems in place that actually work. Whether you’re trying to save for a goal, pay off debt, or just regain control—this conversation will help you rethink how you spend.

In this laid-back lifestyle episode of Horizon Adviser Unleashed Podcast, Ryan and Andrew take you to the stunning mountains of Whistler, Canada. Joined by Alex, Matt, and Scott, the crew shares highlights from their recent getaway—from exploring the scenic village and local food spots, and all the outdoor activities that can be enjoyed during the summer.

Whether you’re a snow lover, a travel junkie, or just looking for ideas for your next guys’ trip, this episode is packed with stories, laughs, and a little inspiration to unplug and enjoy the ride.

Grab your drink and come along for the adventure!

Heard the term HSA but not quite sure what it means—or why so many financial professionals rave about it? In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down the Health Savings Account: what it is, who it’s for, and how it can be a triple tax-advantaged powerhouse for your finances. Whether you’re new to HSAs or want to maximize one you already have, this episode will leave you better equipped to use it wisely for both health costs and long-term wealth building.