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.