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FIN-LYT by EWA®
United States
Приєднався 25 кві 2023
Equilibrium Wealth Advisors (EWA) is a wealth management firm that provides holistic financial planning, wealth management, retirement planning, and asset protection advice for physicians, retirees, business owners, and corporate leaders. Our top priority is to help clients balance competing goals and ensure their time - the only non-renewable resource - is protected.
Join us as we unpack the most important topics, make the complex simple, and share how sound financial planning can help you live your life by design.
Join us as we unpack the most important topics, make the complex simple, and share how sound financial planning can help you live your life by design.
Tax Code Overview: Differences Between Harris and Trump Proposals
In this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith discuss how upcoming election results could impact corporate and individual taxes. They break down the differences between tax proposals from Trump and Harris, highlighting how each plan could affect corporate tax rates, personal income taxes, and deductions. Despite potential tax changes, they emphasize the importance of staying invested and avoiding emotional, politically-driven financial decisions, as long-term stock market performance remains largely unaffected by election outcomes.
The episode also touches on strategies to maximize tax-efficient accounts like Roth IRAs and HSAs, helping individuals prepare for possible tax hikes. Estate planning is briefly covered, with insights on how changes in the tax code could impact high-net-worth individuals. Throughout, Matt and Jamison encourage listeners to focus on long-term financial strategies and stay informed about evolving tax policies.
Connect with EWA
ewa-llc.com/
ewa.llc
www.linkedin.com/company/equilibrium-wealth-advisors/
EquilibriumWealthAdvisors/
View EWA Disclosures and Firm ADV: adviserinfo.sec.gov/firm/summary/308977
The episode also touches on strategies to maximize tax-efficient accounts like Roth IRAs and HSAs, helping individuals prepare for possible tax hikes. Estate planning is briefly covered, with insights on how changes in the tax code could impact high-net-worth individuals. Throughout, Matt and Jamison encourage listeners to focus on long-term financial strategies and stay informed about evolving tax policies.
Connect with EWA
ewa-llc.com/
ewa.llc
www.linkedin.com/company/equilibrium-wealth-advisors/
EquilibriumWealthAdvisors/
View EWA Disclosures and Firm ADV: adviserinfo.sec.gov/firm/summary/308977
Переглядів: 107
Відео
EWA Stock Market and Portfolio Commentary Q4 2024
Переглядів 4982 дні тому
1. Introduction (0:09) 2. Market Summary and Commentary (0:53) 3. EWA Portfolio Adjustments and Philosophy (1:43) 4. EWA Live Look at Portfolio (4:45) 5. Election Year Market Volatility (9:17) Connect with EWA: ewa-llc.com/ Follow Us on Social Media: ewa.llc www.linkedin.com/company/equilibrium-wealth-advisors/ EquilibriumWealthAdvisors/ View EWA Disclosures and Firm...
Adjusting Small and Mid-Cap Investments for Optimal Asset Allocation
Переглядів 51314 днів тому
In this episode of FIN-LYT by EWA®, Matt Blocki and Jamison Smith discuss the current investment environment, focusing on the rationale behind underweighting of mid and small-cap stocks. Recorded in early August 2024, they discuss how at that junction, asset allocation should be adjusted based on economic cycles and the evolving financial landscape. By examining the historical performance of la...
Investing in Election Years: Why Staying the Course Matters
Переглядів 32821 день тому
In this episode of FIN-LYT by EWA, Matt Blocki and Ben Ruttenberg explore how to approach investing during an election year, highlighting the importance of staying invested regardless of political shifts. Drawing on nearly a century of market data, they explain how market performance is largely unaffected by which political party is in office, debunking the myth that elections significantly imp...
Interest Rate Shifts and Their Impact on You Financial Plan
Переглядів 287Місяць тому
In this episode of FIN LYT by EWA, Matt Blocki and Jamison Smith dive into the complexities of changing interest rates and how they affect your financial planning decisions. As rates fluctuate, it's crucial to understand their historical context and how proactive moves like refinancing debt or managing your cash flow can help you optimize your finances. Matt and Jamison break down recent trends...
Effective Strategies for Wealth Transfer to the Next Generation
Переглядів 270Місяць тому
In this episode, Jamison Smith and Devin Faddoul delve into the critical topic of efficiently and effectively transferring wealth to the next generation. As the baby boomer generation prepares for retirement, the largest wealth transfer in history is about to unfold, with an estimated $68 trillion expected to be passed down in the United States by 2042. This episode aims to provide listeners wi...
Expert Tips for Navigating College Admissions with John Izzo
Переглядів 216Місяць тому
In this episode Matt Blocki is joined by John Izzo, CEO of Class 101 Pittsburgh. John is an expert in guiding high school students through the daunting process of college admissions, from selecting the right schools and achieving top SAT scores to securing maximum scholarships and financial aid. In this episode, John shares his extensive experience and offers invaluable tips on preparing for co...
The Best Savers are the Worst Spenders
Переглядів 362Місяць тому
In this episode of FIN LYT by EWA, Matt Blocki and Jamison Smith break down into the paradox of saving versus spending in retirement. They discuss the challenges faced by highly successful clients who have accumulated significant wealth through hard work and sacrifice. Transitioning from the habit of saving to spending can be a significant identity shift, leading to stress and even paralysis fo...
Managing Sequence of Return Risk in Retirement
Переглядів 438Місяць тому
In this episode, Jamison Smith and Ben Ruttenberg break down the concept of sequence of returns risk, which refers to the potential negative impact on a retiree's portfolio caused by the order in which investment returns occur. When withdrawals are made from a portfolio during a market downturn, it can significantly reduce the portfolio's value and affect its long-term sustainability. They expl...
When Could An Annuity Make Sense In a Financial Plan?
Переглядів 4212 місяці тому
In this episode, Jamison Smith and Ben Ruttenberg delve into the world of annuities, demystifying their role in financial planning. Jamison and Ben explore what annuities are and when they make sense in a financial plan, offering insights into the benefits and drawbacks of these financial products. The episode provides an overview of annuities, likening them to the opposite of life insurance. W...
Surprising Things You May Not Know About Retirement
Переглядів 1952 місяці тому
In this episode, Stephanie Bogden and Jamison Smith explore the often overlooked non-financial aspects of retirement. While much of the discussion around retirement focuses on financial readiness, Stephanie and Jamison explore the mental and emotional health effects that can arise when transitioning from a busy work life to retirement. They discuss the importance of having a sense of purpose an...
Real Life Case Study- Strategic Planning and Tax Efficiency for a Retired Widow
Переглядів 2582 місяці тому
In this episode of the FIN LYT by EWA Podcast, Matt Blocki and Chris Pavcic dig into a detailed case study involving a recently widowed retiree in her mid-seventies with a $3 million investment portfolio. They discuss essential planning strategies for managing taxes, Medicare, and portfolio allocations during retirement. The conversation highlights the importance of proactive financial planning...
Retirement Savings for Young High-Income Earners- Why $6M is the New $1M Nest Egg
Переглядів 5012 місяці тому
In this episode of the FIN LYT by EWA Podcast, Matt Blocki and Jamison Smith discuss retirement planning for young couples, particularly high-income earning physicians. They examine the evolving financial landscape and the impact of inflation on retirement savings goals. The conversation emphasizes the need for a more substantial nest egg than previously assumed when clients are focusing on ach...
EWA Stock Market and Portfolio Commentary Q3 2024
Переглядів 3953 місяці тому
1. Introduction (0:14) 2. Market Summary and Update (0:52) 3. EWA Portfolio Model and Philosophy (14:38) 4. Wrap Up and Summary (16:32) Connect with EWA ewa-llc.com/Follow Us on Social Media ewa.llc www.linkedin.com/company/equilibrium-wealth-advisors/ EquilibriumWealthAdvisors/ View EWA Disclosures and Firm ADV: adviserinfo.sec.gov/firm/summary/308977
Balancing Risk and Reward Through Retirement Withdrawal Strategies
Переглядів 3113 місяці тому
In this episode of the FIN LYT by EWA Podcast, Matt Blocki and Nick Stonesifer explore the best strategies for withdrawing money during retirement. They begin by examining the 4% safe withdrawal rate, detailing its background and the recent economic shifts that have affected its reliability. With interest rates and market conditions fluctuating, they discuss how retirees can adjust their withdr...
Term vs. Whole Life Insurance: Finding the Right Balance for Your Financial Plan
Переглядів 2263 місяці тому
Term vs. Whole Life Insurance: Finding the Right Balance for Your Financial Plan
The Secure Act 2.0: What Business Owners and Retirees Need to Know
Переглядів 1873 місяці тому
The Secure Act 2.0: What Business Owners and Retirees Need to Know
Retirement Spending Strategies: Mastering Distribution with Confidence
Переглядів 6474 місяці тому
Retirement Spending Strategies: Mastering Distribution with Confidence
Planning Ahead: Financial Steps to Take Before a Loved One Passes
Переглядів 3074 місяці тому
Planning Ahead: Financial Steps to Take Before a Loved One Passes
iShares Insights on New Investment Frontiers
Переглядів 1504 місяці тому
iShares Insights on New Investment Frontiers
Strategies and Potential Pitfalls for the DIY Investor
Переглядів 2035 місяців тому
Strategies and Potential Pitfalls for the DIY Investor
An Update to Our Direct Indexing Program
Переглядів 1495 місяців тому
An Update to Our Direct Indexing Program
Healthcare Options and Medicare After Age 65
Переглядів 2045 місяців тому
Healthcare Options and Medicare After Age 65
Financial Planning for Business Owners
Переглядів 1495 місяців тому
Financial Planning for Business Owners
Maximizing Impact and Tax Benefits: Charitable Giving for High Earners
Переглядів 2665 місяців тому
Maximizing Impact and Tax Benefits: Charitable Giving for High Earners
A Blueprint for Managing Student Loans
Переглядів 3175 місяців тому
A Blueprint for Managing Student Loans
EWA Stock Market and Portfolio Commentary Q2 2024
Переглядів 6985 місяців тому
EWA Stock Market and Portfolio Commentary Q2 2024
High earners do not qualify for Roth IRAs. Just earn like a doctor and spend like a janitor.
Thanks, great brainstorming
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Hello! Thank you for the great video. In order to achieve a mega back door IRA, do we have to elect first 23K as Roth or can we elect 23K pretax and then elect the rest of it to be after tax and convert only after tax portion to Roth? Also, if one already does 6 k back door Roth IRA through a different platform, this would be subtracted from that number? When and how in the portal can make conversions during those 2 times/year that you discussed. I tried to call Retirement at UPMC center but they knew nothing about it. Thank you so much and have a great day!
good video man, keep it up.
Ed O’Bannon broke the camel’s back by suing EA and the NCAA about the NCAA Basketball game. That’s why EA stopped producing NCAA video games
I like the idea of separating the fixed into their own acct. Spreadsheet basically baked in since the same expenses come out monthly like clockwork. Would just need to work out monthly total requirements and timing of deposits and that’s pretty much it 👍🏽
Thank you for your insightful comment! It's indeed a great way to streamline your "budgeting" process, making it more efficient and organized. Your idea of calculating monthly total requirements and timing deposits aligns perfectly with the reverse budgeting approach!
yo,very splendid -Fin-lyt- ))
Thanks, much appreciated!
i made this much when i was a teen, something i painfully learned are: CLAT and CRATs. also ensure your s/c/llc setup is correct. also solo 401k is good to setup if self employed.
Damn I’m 28 and just made 325k and thought this video was for me and now I see it’s for over a mil plus 😭😂 welp next vid
You are crushing it regardless of age! The income here was just an example. Same principles will apply. Congrats and hope you continue your success!
Good vid, but retired military cant draw SSI even though they paid into it for their entire enlistment😢
Appreciate the informative video! The explanation on using the standard deduction vs. itemizing and the concept of batching charitable contributions makes a lot of sense. Great tips for optimizing tax planning!
Thank you, Todd! We appreciate your feedback!
Amazing story and amazing people!
Chiara has an amazing story, and is an incredible human! So much wisdom from her story and mindset.