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.

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.