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.

In this episode of Horizon Advisers Unleashed, host Alex Dinser welcomes back Sandy Mall, founder and senior partner of Mall Malisow & Cooney, PC, to break down the SECURE Act and its impact on retirement and estate planning. This landmark legislation has changed the rules for inherited IRAs, required minimum distributions (RMDs), and tax strategies—and understanding these changes is crucial for protecting your financial future.

Join us as we unpack the SECURE Act’s key provisions, discuss who is most affected, and explore strategies to maximize retirement savings while minimizing tax burdens. Whether you're planning your own retirement or managing an estate, this episode delivers must-know insights to keep you ahead of the curve.

🔹 How does the SECURE Act impact inherited IRAs?

🔹 What are the new RMD rules—and how do they affect you?

🔹 Tax-saving strategies to optimize your retirement and estate plan

🔹 Why proactive planning is more important than ever

Don’t miss this expert discussion on how the SECURE Act is reshaping retirement planning and what you can do now to secure your legacy and financial well-being!