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Become Fluent in Finance

At Horizon Advisers University.

Welcome to Horizon Advisers University (HAU): your one-stop shop for in-depth education on today’s most pressing financial planning topics.

Here, you’ll find a breadth of content covering subjects such as estate planning, insurance, retirement plans and more.

Be sure to revisit this page periodically — we’ll be adding new courses every month!

Wednesday, September 28, 2022

Ryan and Alex discuss the Inflation Reduction Act, a new spending bill that has recently passed. Their conversation involves the $80 billion that is earmarked for the IRS and what that means to you.  Disclosure: Financial...

Wednesday, September 28, 2022

Ryan, Alex, and Andrew discuss what you should think about if you have recently been laid off. It is a very emotional time and lots of decisions must be made in a small window of time. It is common to panic, but it is important to slow...

Wednesday, September 14, 2022

Ryan and Andrew discuss how to prepare to receive a settlement or lump sum of money. There all different ways people receive chunks of money. Sometimes it could be a divorce, or someone dies and leaves an inheritance. You could win the...

Wednesday, September 14, 2022

Ryan and Andrew discuss A bear market – signified by a 20% or more drop in stock prices – can be easier to weather when you're properly diversified and in it for the long haul. They believe you should resist the urge to run...

Wednesday, September 14, 2022

Ryan and Alex discuss these 4 rules. They discuss their upbringing as children and found commonalities with the article. These rules also can apply to business owners and managers. Finally, they discuss how this applies to...

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Wednesday, September 14, 2022

Ryan and Andrew discuss the importance of having the finance conversation before you walk down the aisle. Asking questions about debt, shared bank accounts and prenups are just some of the hard questions to ask your soon to be spouse....

Wednesday, September 14, 2022

Ryan, Alex, and Andrew discuss how important communication is in your personal, professional, and financial lives. Bad communication can put strains on relationships. They discuss how practicing communication skills can help improve on...

Wednesday, September 14, 2022

 Ryan, Alex, and Andrew discuss a hot topic. It is easy to jump on your phone or turn on the TV and read bad news. This can make many people feel anxious and feel like they need to be doing something different. In addition, there...

Wednesday, September 14, 2022

Andrew and Ryan discuss how different types of inheritances can be complicated when leaving assets to children. Financial Advisor offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a...

Wednesday, September 14, 2022

Ryan and Andrew discuss the importance of a financial plan. Many studies out there show less than 30% of Americans have a financial plan. The people that do have a plan can see the effects of a bear market and see how things will look...

Wednesday, September 14, 2022

Ryan and Andrew discuss an extremely exciting time in life…starting a family! As these times are exciting there are also many changes that will take place. There will be all new financial obligations. Listen in to get a checklist...

Wednesday, September 14, 2022

Ryan and Andrew will be discussing pensions. When you are about to retire and have a pension, you must make a big decision. Are you going to take the income stream? Will you elect a survivorship benefit for a loved one? Do you have a...

Wednesday, June 22, 2022

Horizon Advisers Unleashed Podcast - Episode #67 What You Should Know About Getting Divorced and (Maybe) RemarriedRyan and Alex discuss what to think about when getting divorced and possibly remarried. Many people also deal with the...

Wednesday, June 15, 2022

Ryan and Alex discuss an article they found in Kiplinger. They go through the article and cover the 10 items in detail. We tend to agree with most of them but it turns out to be different for everyone.kiplinger...

Wednesday, June 8, 2022

Andrew and Ryan discuss why patience is so important and how impatience may cause problems in multiple aspects of life.

Wednesday, June 1, 2022

Andrew and Ryan discuss the article “New Insights from the Science of Awe,” written by David Fessell M.D. from Psychology Today.

Wednesday, May 25, 2022

Ryan, Alex, and Andrew discuss the role of a trustee in estate planning. This person/entity is in charge of your estate when you are no longer here. Being trustee is a lot of work! Closing out an estate can be very complicated and...

Wednesday, May 18, 2022

 Alex and Ryan discuss the topic of money and happiness. They revisit the article from the Time's from Can Money Buy You Happiness? Part 1. They have an interesting and deep talk on the subject.

Wednesday, May 11, 2022

Ryan and Andrew discuss the topic of money and happiness. They read an article from Time that was interesting and have a deep talk on the subject. This is part 1 of a 2 part series.

Wednesday, May 4, 2022

Ryan and Alex have a discussion about how to teach kids about money. Whether you’re a parent, grandparent, uncle, or friend we can all help. Kids don’t get educated at school much on this subject. Get a head start and help...

Wednesday, April 27, 2022

Alex and Ryan discuss 3 key points to think about when it comes to your personal finances. The 3 points include keeping your goals in mind, learning to distinguish wants from needs and always pay yourself first.

Wednesday, April 20, 2022

 Alex and Andrew discussed the difference between Medicare and purchasing insurance through the open marketplace.

Wednesday, April 13, 2022

Ryan and Andrew go over this top 10 list. They discuss how these ten items flow through your whole life. Not just your job or money. If you consistently do these 10 things it can put you in a position to get what you want out of life.

Wednesday, April 6, 2022

Ryan and Alex have a discussion about the cost of ownership. Discuss big ticket items like a home or car. All the way down to what you eat for lunch. How does this work with cash flow and your spending discipline?

Wednesday, March 30, 2022

Andrew and Ryan discuss the differences between a financial planner and a financial adviser. Understanding the difference will help you get the big picture of what we do.

Wednesday, March 23, 2022

Ryan and Andrew go into detail on one of their favorite topics Cash Flow. Spending is one part of cash flow and they discuss different types of spending. Not that spending is bad, but without discipline and balance, it can lead some...

Wednesday, March 16, 2022

Ryan and Andrew discuss that there are no shortcuts in life. Whether it is advancing in your career, sports, or investing. Some people get lucky but the long plan works well!Financial Advisor offering securities and advisory services...

Wednesday, March 2, 2022

Ryan and Andrew discuss Horizon Adviser's process. When someone is interested in working with our group, we use a consistent process. Listen in to understand these steps in more detail.Financial Advisor offering securities and advisory...

Tuesday, March 1, 2022

Ryan and Alex have a conversation about recent market volatility. They talk about what to do. How timing the market is difficult. They also go through some history of the markets. They discussed recessionary periods going all the way...

Wednesday, February 23, 2022

Alex & Ryan discuss the upcoming tax season and how to prepare. They give insight into the importance of tax planning.Financial Advisor offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a...

Wednesday, February 16, 2022

Ryan and Andrew have a conversation about rising interest rates and what you could do to prepare for them. We have seen historically low rates for some time now...and at some point, they will go up. Make sure you are prepared for this...

Wednesday, February 9, 2022

Ryan and Alex discuss 2022 and Horizon Advisers. We had a great growth year and we thank all of our clients. We have implemented new processes and technologies we feel will increase the overall client experience. Listen in to hear more...

Wednesday, February 2, 2022

Ryan, Alex, and Andrew have a discussion about goal setting. We are now in February and it's not too late to set up goals for the year. They don't have to be lofty goals, and they can be short or long-term. This will give you something...

Wednesday, January 26, 2022

Chris Markey is an old friend of Alex's and a great mentor! Chris retired from his job as Vice President of Allstate Independent agencies. Chris dives into how he started with Allstate and how his career excelled. He gives great...

Thursday, January 20, 2022

Ryan, Alex, and Andrew discuss business planning for business owners. Whether you are thinking of starting a business or are trying to grow an existing one, get insight on things to think about. How to plan for growth in a business....

Wednesday, January 12, 2022

Ryan, Alex, and Andrew have a discussion about streamlining your finances. Listen in to find out how to organize and make your financial life simple. There are many steps that can be taken to automate your financial life.Financial...

Wednesday, January 5, 2022

Ryan and Andrew go over a checklist for 2022. Things you may want to consider moving into the new year. It is always good to take a step back and make sure you are organized and heading in the right direction.Financial Advisor offering...

Friday, December 31, 2021

Alex and Ryan break down a list of 10 wishes that they find important for ending the year and starting a new one! They also touch on the growth of our different office locations in this next year.Financial Advisor offering securities...

Thursday, December 30, 2021

Andrew, Ryan, and Alex discuss 2022. The year flew by but Horizon Advisers continued its growth. Listen in to see what happened.Financial Advisor offering securities and advisory services through Cetera Advisor Networks LLC, member...

Wednesday, November 17, 2021

Ryan and Andrew discuss 4 recent questions they have received.Financial Advisor offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer, and a Registered Investment Adviser....

Wednesday, November 10, 2021

Alex, Andrew, and Ryan have a discussion about motivation and accountability. It is important to stay motivated in many parts of your life. Motivation is what creates the energy to get things done. Motivation can be a strong thing but...

Thursday, October 28, 2021

Ryan and Alex discuss an article they recently read about how to prepare for retirement near term. What should you be considering?Financial Advisor offering securities and advisory services through Cetera Advisor Networks LLC, member...

Wednesday, October 20, 2021

Horizon Advisers Unleashed Podcast - Episode #37 Retirees, Transform your House using Smart Home TechnologyRyan, Alex, and Andrew discuss technology and how it can help families in retirement and the aging process.Financial Advisor...

Friday, October 15, 2021

It seems that the second half of 2020 has been a popular time for large corporations to announce stock splits - including companies like Apple, Tesla and McCormick. This can be great news for eager investors looking to add these market...

Wednesday, October 13, 2021

Andrew, Alex, and Ryan discuss the new $3.5 Trillion infrastructure bill proposal and what it could mean for those affected.Financial Advisor offering securities and advisory services through Cetera Advisor Networks LLC, member...

Wednesday, September 29, 2021

Andrew and Ryan discuss the importance of working with a financial team where all professionals are communicating with each other.Financial Advisor offering securities and advisory services through Cetera Advisor Networks LLC, member...

Thursday, September 23, 2021

Ryan, Alex, and Andrew discuss the four pillars of financial planning and dive into the importance of each one. The four pillars of financial planning are risk management, tax planning, estate planning, and investing.Financial Advisor...

Wednesday, September 22, 2021

Paul Chatlin is the co-founder of MASS Audit and the founder of a plant-based nutrition support group PBNSG. His knowledge of the industries he is in is incredible and has a great insight into the industry's future. He will dive into...

Thursday, September 9, 2021

Ryan, Alex, and Andrew talk about protecting identity and financial information. With so many scams, fraud, and theft out there...it is more important than ever to protect yourself and do what you can do to secure your identity....

Wednesday, September 1, 2021

Ryan, Alex, and Andrew have a discussion about when is the right time to work with a financial adviser. Through our experience, we see a number of reasons why and when you would want to hire one. We believe the answer is the earlier...

Saturday, August 7, 2021

Ryan, Alex, and Andrew have a discussion about long-term care planning. Everyone knows a family that is going through a LTC situation currently. For many retirees, it could be the greatest risk of the success of your financial plan. It...

Friday, August 6, 2021

Andrew and Ryan sit down with Rick Sykes CEO of Don't Engage N Road Rage. There has been a lot of media coverage of late on Road Rage. It has always existed, but we want to shed some light on a growing problem. Driving is more...

Thursday, August 5, 2021

Ryan, Alex, and Andrew discuss the hot housing market and the cost of building materials. Since Covid, we have seen big demographic shifts in the US. People getting up and moving to new states and redefining what is important to them...

Wednesday, August 4, 2021

Alex is a younger local entrepreneur. At a young age, he was on NBC Today show showing wearable computer technology. He loves innovation and disruptive technology. He built a website company Commercial Progression and sold it in 2017....

Wednesday, July 28, 2021

Mark is the founder of Bosco's Pizza Company and the current owner of Crispelli's Bakery and Pizzeria. He started his journey through his friends who worked with Papa Romano's and eventually went out on his own. Mark used to play...

Wednesday, July 21, 2021

Lloyd Brown is the CEO of Waltonen Engineering. He was hired as an employee over 30 years ago and worked his way up to CEO. He discusses what Waltonen Engineering does and how they have evolved over the years. His knowledge of the...

Wednesday, July 14, 2021

Tim Copacia is Executive Vice President of Strategic Development at J.D. Power UnityWorks. He is a former agency CEO and automotive pioneer in digital marketing, CRM, customer experience management, and data driven video experiences....

Wednesday, July 7, 2021

Michael Dennis is a seasoned executive and a great man! From his hoopin' days at Dartmouth to family man and business leader. Dennis loves to work hard and found success at an early age. He has an incredibly positive energy that brings...

Wednesday, June 30, 2021

Ryan and Alex have a candid conversation with each other on their background and where they came from. They also discuss what helped them get to where they are today. This may be an opportunity for you to learn more about the two...

Wednesday, June 23, 2021

Alex, Ryan, and Andrew have a discussion on life insurance. Life insurance can be confusing for many. So many companies offer it. There are so many different kinds. So many different ways to use it. With so many choices, many people...

Wednesday, June 16, 2021

25 Year Senior Air Force Leader, Veteran, and 5th Generation Warfare Subject Matter Expert with both depth and breadth of experience in a variety of areas to include command at the Group and Squadron level. Served as a key senior...

Wednesday, June 9, 2021

Alex, Ryan, and Andrew discuss asset allocation. One of the most common questions we get asked is how to allocate investments. They have a discussion about what asset allocation is and how it should be applied to a long-term plan. When...

Wednesday, June 2, 2021

Horizon Advisers Unleashed Podcast - Episode #18 Ben Sobczak Chief Legal and Randy Buchman CEO of PleasantreesMichigan's Cannabis market is booming. With Marijuana being legal for recreational use in Michigan, many new businesses are...

Wednesday, May 26, 2021

Ryan and Andrew have a great conversation with Dr. Juan Salinas a high energy entrepreneur. We discuss his upbringing and immigration to the US. His extensive education at Rutgers gave him expertise in food science and technology. He...

Wednesday, May 12, 2021

Andrew and Ryan interview Jordan Wilkins a Pro football running back for the Indianapolis Colts. They have a discussion with him about what it takes to make it into the NFL and his journey along the way. Jordan is a hard worker and...

Wednesday, May 5, 2021

Alex, Ryan, and Andrew discuss personal finance. In most school settings, personal finance is not part of the curriculum. The discussion will explore personal finance and what you may want to be paying attention to in your life. Some...

Wednesday, April 28, 2021

Doug Jones is the CEO of Detroit Medical Devices and a graduate of Western Michigan University. He is a 41-year-old serial entrepreneur that has been tremendously successful in building his business. Doug is a hardworking disciplined...

Wednesday, April 21, 2021

Andrew, Alex, and Ryan have a conversation about employee benefits. Depending on the company you work for, there may be a variety of benefits and perks you may be offered. We find most people go through open enrollment and just stay...

Thursday, April 15, 2021

Alex, Andrew, and Ryan discuss some of the big questions people are asking in 2021. We googled some of the common questions people are asking about their finances. We came across this article by Bryce Sanders and thought there were...

Wednesday, April 14, 2021

Horizon Advisers Unleashed Podcast - Episode #10 Dave Suppnick and Matt Luce owners of Ember PlatformDave Suppnick and Matt Luce are owners of the Ember Platform. They discuss their one of a kind URL based online hosted payment...

Wednesday, April 7, 2021

Dennis Glasson is a CPA and a Principle of Horizon Advisers CPA. There have been many tax changes occurring in recent years. What are some of the changes that may be relevant to you? We discuss ways to look at your tax situation and...

Wednesday, March 31, 2021

Andrew, Alex, Ryan and Matt Kreager discuss their perspective on personal finance. Ryan being 40 thinks a little differently than Andrew in his 20's. Many people wonder if they are doing the right things to achieve their goals. There...

Wednesday, March 24, 2021

Lawrence James is the managing partner at TILT. He is an energetic entrepreneur who has had global success over his career. Tilt helps organizations tell their story through brand creation and public perception. Lawrence comes from the...

Wednesday, March 17, 2021

Alex, Ryan, and Andrew discuss what to do when a loved one passes away. They have helped many families through this difficult time. There is so much happening at once that it can become a BLUR.- Emotionally coping with the loss of a...

Wednesday, March 10, 2021

Jim Carmody is an Owner of JK&T Wings. They are a large restaurant group comprised of over 80 Buffalo Wild Wings, BlackRock locations, and more. Jim is a hard worker and has helped build a great team and business! Listen to how he got...

Tuesday, March 2, 2021

Maj. Brett DeVries is an A-10 pilot for the Michigan Air National Guard. He is a distinguished flying cross recipient and has served four tours in Iraq and Afghanistan. He is still a current member of the Air National Guard and a...

Wednesday, February 24, 2021

Ray Merlo is the CEO of Merlo Construction. We have been friends with Ray for many years. Like any business owner, Ray has felt the ups and downs of owning a business. Listen to how he built one of the biggest companies in his category...

Wednesday, February 17, 2021

Alex, Ryan, and Andrew discuss an especially important topic called Life Planning. What is retirement going to look like for you? Most people work decades and often spend more time at work than retired. We create routines. Wake up, get...

Monday, December 21, 2020

The CARES Act was passed on March 27, 2020 amidst the onset of COVID-19 in America. The package included over $2 trillion in economic relief for businesses, workers, families and governments.1Now, the year is almost over - and some...

Monday, November 9, 2020

Open enrollment (the annual period where you can enroll in major medical health insurance plans), begins November 1, 2020 and will remain open for 45 days, or until December 15. For someone looking to change or add coverage, this...

Monday, November 2, 2020

Alex, Ryan and Andrew introduce the Horizon Advisers Unleashed podcast.

Thursday, July 16, 2020

Over half of employees are stressed about their finances.1 As an employee, your career should be a source of financial relief and security—not worry.Ensuring that this rings true for your employees is important to both their...

Tuesday, July 7, 2020

By the end of May 2020, over 20 million Americans claimed unemployment benefits.1 This payment can be a great relief to many who have found themselves out of work due to COVID-19. Many companies have been forced to lay off workers,...

Friday, April 24, 2020

On Thursday, April 23, 2020, the House approved the Paycheck Protection Program and Health Care Enhancement Act amidst the continuing COVID-19 pandemic. This $484 billion relief package comes less than a month after the historic $2...

Monday, April 20, 2020

The Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, was signed into law on March 27, 2020. This law was created in response to the COVID-19 pandemic, which has had a tremendous impact on the financial and physical...

Monday, April 6, 2020

As COVID-19 continues to run rampant in the United States, individuals everywhere are experiencing emotional, physical and economical implications. In an effort to ease the pandemic's detrimental effects, the federal government has...

Wednesday, April 1, 2020

Self-employed individuals and small businesses account for a significant portion of our country's economy. During a global pandemic, like the one we're experiencing now, small businesses suffer some of the hardest hits. On March 27,...

Friday, March 20, 2020

Investment advisor representative and registered representative of Voya Financial Advisors, Inc. (member SIPC) Horizon Advisers is not a subsidiary of nor controlled by Voya Financial Advisors.Neither Voya Financial Advisors not its...

Monday, March 16, 2020

As of March 17, 2020, 179,111 cases of COVID-19 were reported, with the death toll reaching 7,426.1 With the number of infected patients rising every day, it's nearly impossible to avoid feeling stressed or anxious about the world's...

Wednesday, February 26, 2020

Your money fuels your life, allowing you to live comfortably, have meaningful experiences, and support loved ones. On the flip side however, you may lack the means to afford certain luxuries and accomplish lifelong goals, like paying...

Sunday, November 17, 2019

Investment adviser representative and registered representative of, and securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered...

Tuesday, September 10, 2019

Investment adviser representative and registered representative of, and securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered...

Tuesday, August 20, 2019

Andrew Hinrichs, financial adviser, discusses the importance of life insurance and why constantly having it reviewed is crucial.Investment adviser representative and registered representative of, and securities and investment advisory...

Friday, July 26, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Wednesday, July 17, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Tuesday, July 9, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Friday, June 7, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Tuesday, June 4, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Thursday, May 30, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Friday, May 24, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Wednesday, May 22, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....