You've calculated your Social Security. You know what your 401(k) is worth. You've estimated your monthly expenses. So, you're ready for retirement...right?

Maybe not.

Some of the biggest threats to a retirement plan aren't the expenses people plan for—they're the ones they never saw coming.

In this episode, Ryan Kus and Andrew Hinrichs discuss some of the biggest unexpected costs retirees face, including healthcare, long-term care, home repairs, helping family, taxes, and major purchases.

More importantly, they discuss how to prepare for these expenses without feeling like you need to save every dollar and never enjoy retirement.

Because a good retirement plan shouldn't just work when everything goes according to plan. It should be built for the things that don't.

We spend most of our lives trying to make more, save more, and build more—but when do you finally have enough?

In this episode, Ryan and Andrew tackle one of the hardest questions in financial planning: How much money is enough?

Enough to retire. Enough to stop worrying. Enough to help your kids. Enough to take the trip. Enough to spend without feeling guilty.

They discuss why “enough” isn't simply a net-worth number, why some people with millions still don't feel financially secure, and how a good financial plan can help you shift from constantly accumulating wealth to actually enjoying what you've built.

Because the goal isn't to die with the biggest portfolio.

The goal is to use your money to build the life you actually want.

In this episode of Horizon Advisers Unleashed, we sit down with Caroline Wenker, Vice President and Portfolio Manager at PGIM Fixed Income, to break down the municipal bond market.

We discuss how municipal bonds work, how they compare to other fixed-income investments, the Detroit bond story, recent muni performance, and what the Fed’s latest decisions could mean for bonds going forward.