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.

You walked across the stage, threw your cap, and now reality hits: student loans. In this episode of Horizon Advisers Unleashed, Ryan and Andrew tackle the big question facing new grads—“I’ve got debt… now what?”

Whether you’re just entering the workforce or navigating repayment options, this episode breaks down the key financial moves that can help you build momentum—not stress. From choosing repayment plans to building credit and avoiding lifestyle creep, this is your blueprint for taking control of your money post-college.

In this episode of Horizon Advisers Unleashed, Alex Dinser sits down with his friend and business partner Michael Messer for a candid and insightful conversation about what it really takes to grow a successful business in the financial services world.

Michael shares his journey from advisor to OSJ (Office of Supervisory Jurisdiction), detailing the lessons learned along the way and how his leadership role has evolved. Together, they explore the challenges of scaling a business, supporting other advisors, maintaining compliance, and fostering a culture of trust and growth.

Whether you're an advisor looking to grow your practice or a business owner focused on leadership and structure, this episode is packed with real-world experience and practical wisdom.

🎙️ Tune in to hear:

• What an OSJ does and why the role matters
• How to build strong advisor relationships
• The systems and mindset needed to scale
• Why integrity and consistency are non-negotiables in long-term growth

This is a must-listen for anyone serious about sustainable business growth in the financial world.

In this episode of Horizon Advisers Unleashed, Ryan and Andrew break down the emotional and financial factors that come into play when deciding to take the leap into entrepreneurship.

They’ll share personal experiences, client stories, and the key financial questions you need to answer before handing in your notice. Whether you’re dreaming of launching your own firm, starting a passion project, or just want to know if you’re financially ready, this episode is for you.

Striking the right balance between your career and personal life can feel like chasing a myth—especially in today’s always-on culture. In this episode, Alex and Andrew dive into what work-life balance really means, why it's so different for everyone, and how they personally try to make it work. From managing client demands and growing a business to being present with family and finding time to recharge, they share real stories, helpful strategies, and a few honest struggles.

Whether you're an entrepreneur, a busy parent, or just trying to keep your calendar from taking over your life, this episode will leave you with some practical takeaways—and maybe a little inspiration—to help you define and protect your own version of balance.

When it comes to financial advice, not everything you hear is worth following — and some of it can even set you back.

In this episode of Horizon Advisers Unleashed, Andrew and Ryan dive into what makes financial advice truly dangerous and why common money myths continue to mislead people. From "real estate is always a guaranteed investment" to "you’ll be in a lower tax bracket in retirement," they unpack the misconceptions that can quietly derail your financial plan.

You'll hear:

• How to recognize advice that isn’t personalized to your goals
• Why outdated "rules of thumb" can be risky
• What questions you should ask before acting on financial tips

At Horizon Advisers, we believe smart planning starts with asking the right questions — and knowing when to dig deeper. Join us as we help you separate fact from fiction and make smarter financial decisions.

In this episode, Ryan and Scott break down the fundamentals of credit—what it is, how it works, and why it matters. They start by clearing up the confusion between credit vs. debit, then dive into how credit cards function, interest rates, and the mechanics behind building a credit score.

Whether you’re just getting started or want to sharpen your understanding, this conversation covers:

✅ What is credit, really?
✅ How credit cards differ from debit cards
✅ What makes up your credit score
✅ Why your credit history plays a key role in long-term financial success
✅ Smart habits to build and maintain strong credit

From buying a house to getting the best insurance rates, credit touches more of your financial life than you might think. Tune in and take control of your credit future.

Rory McIlroy’s journey to winning The Masters was filled with ups, downs, and near-misses — and in this episode, Ryan and Andrew draw the powerful parallels between championship golf and successful investing.

From steady starts to mid-game stumbles and final-round comebacks, the guys explore:

⛳ How emotional control can be your biggest asset
📈 Why sticking to your strategy matters — even when things go sideways
🏌️‍♂️ What it means to play the long game with your money
💼 And how investors (like golfers) often win by not giving up

Whether you're managing a portfolio or reading a putt on 13, this episode will help you stay focused on what really matters: the big picture.