Shows
FIN-LYT by EWA®Tax Season with EWA: Lessons from Year One and What’s AheadIn this episode of EWA’s FIN-LYT Podcast, Matt Blocki is joined by Tyler Bidwell for a deep dive into the evolution of EWA Tax Services and what it really looks like when tax planning is fully integrated inside a wealth management firm. Reflecting on year one and looking ahead to the 2025 tax season, they unpack the wins, lessons learned, and strategic upgrades designed to dramatically improve the client experience.Matt and Tyler discuss why embedding tax professionals within a wealth advisory practice creates massive efficiencies, from eliminating redundant client homework to proactively anticipating tax issues long be...
2025-12-3021 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q1 2026Welcome to EWA’s Quarterly Market and Portfolio Commentary, released early to give you an advanced look at our Q1 2026 positioning.In this update, Matt Blocki walks through the major forces shaping markets heading into the new year, including strong corporate earnings, moderating inflation, improving liquidity conditions, and a more accommodative Federal Reserve. Together, these trends support a constructive stance toward risk assets and informed adjustments across EWA portfolios.This commentary covers:• The Q1 2026 rebalance completed early and increased equity overweight• Economic growth tailwinds, fiscal policy impacts, and consumer strength• Inflation trends, Fed cuts...
2025-11-2516 minFIN-LYT by EWA®Real Estate and Taxes: What You Should Know Before You BuyIn this episode of EWA’s FIN-LYT Podcast, Matt sits down with Nick to cut through the hype around “real estate tax hacks” and reveal what actually works. They explain how real estate investors, business owners, and high-income professionals can use proven tax strategies like cost segregation, bonus depreciation, and the real estate professional election, to save big the right way.You’ll learn how to separate fact from fiction when it comes to TikTok tax tips, understand the difference between active and passive income, and see real examples of how the right structure can unlo...
2025-10-2134 minFIN-LYT by EWA®Private Markets: A Practical Guide for InvestorsIn this episode of EWA’s FIN-LYT Podcast, Matt and Devin break down the often-misunderstood world of private markets and why high-net-worth investors are increasingly turning to them for diversification and long-term growth.They unpack the fundamental differences between public and private markets, exploring why companies like SpaceX, Stripe, and OpenAI are choosing to stay private and what that means for investors. The conversation covers the rise of private credit and private equity, the growth trajectory of this $12 trillion market, and why these opportunities were once limited to institutions but are now opening up to...
2025-10-1415 minFIN-LYT by EWA®How to Know When You’ve Saved EnoughIn this episode of EWA’s FIN-LYT Podcast, Matt Blocki joins EWA members to dive into one of the most personal and complex financial questions: How do you know when you’ve saved enough?They explore why traditional rules of thumb like “you need $10 million to retire” often fall short, and how defining “enough” depends on your lifestyle, goals, and values. It's not a static number. Through real client examples, they illustrate how over-saving can quietly rob families of joy and time, while under-saving can create long-term financial stress.The discussi...
2025-10-0717 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q4 2025In this early Q4 market commentary, EWA provides timely insights into recent portfolio rebalancing and the evolving market environment. Matt Blocki shares a comprehensive overview of tactical shifts, policy expectations, and structural investment themes shaping portfolios as we close 2025. The commentary highlights how EWA is selectively leaning into opportunities while maintaining risk management amid policy uncertainty and geopolitical complexity.The update reaffirms EWA’s disciplined, long-term investment approach, focused on resilience, diversification, and high-conviction ideas. Staying selective yet bold, especially where signals are clear, remains central to the firm’s philosophy.
2025-09-2317 minFIN-LYT by EWA®EWA’s Guide to the New Tax Bill: Top 10 Changes That MatterIn this episode of EWA’s FIN-LYT Podcast, the team unpacks the newly passed tax bill, one of the most talked about pieces of legislation in recent months. With nearly 800 pages of changes, the advisors simplify it by focusing on the top 10 provisions that matter most for high income professionals, retirees, executives, and business owners.From income tax brackets and estate planning exemptions to SALT deductions, charitable contributions, Section 179 expensing, and the corporate tax rate, the discussion highlights where clients will feel the biggest impact. You’ll also hear insights on new savings accounts for...
2025-09-0222 minFIN-LYT by EWA®Guide to Booking Luxury Vacations with PointsIn this episode of EWA’s FIN-LYT Podcast, the team reveals how to turn everyday spending into luxury travel without draining your bank account. From flights that fold into beds to five star all inclusive resorts, you will learn the ins and outs of credit card point strategies that have saved clients $20,000 to $35,000 on dream vacations.They share real world examples, including a $12,000 Cancun trip booked for $50 out of pocket and an upcoming Italy adventure valued at $35,000 for under $5,000. You will hear how to maximize sign up bonuses, navigate companion passes, use strategic tax and large purchase pa...
2025-08-1915 minFIN-LYT by EWA®EWA's Strategic Moves: Time-Saving, Tax-Forward, Multi-Generational PlanningIn this episode of FIN-LYT by EWA, Matt Blocki and Ben Ruttenberg unveil a major evolution in EWA’s client service model by introducing fiduciary custody and expanded high-net-worth offerings. They discuss how these changes empower the firm to take a more proactive, comprehensive role in managing clients' financial lives, from daily 401(k) administration to multigenerational estate planning. Matt and Ben break down what fiduciary custody really means, why EWA is embracing the added responsibilities and compliance layers it brings, and how this allows them to act as trustees and directly execute time-sensitive tasks on...
2025-06-2418 minFIN-LYT by EWA®AI Meets AdvisoryIn this episode of FIN-LYT by EWA, Matt Blocki is joined by Chris Pavcic and Jamison Smith to explore how artificial intelligence is reshaping the financial advisory industry, both behind the scenes and directly for clients. They dive into how EWA is using AI today, its potential for the future, and what that means for the advisor-client relationship.From simplifying tax code research to streamlining internal workflows and even designing office spaces or managing budgets, Matt, Chris, and Jamison share real-world ways AI is saving time and improving client service. They explain how AI...
2025-06-1822 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q3 2025In this mid-quarter update, EWA provides timely insight into recent trades and the evolving market environment. Matt Blocki shares a detailed overview of strategic portfolio shifts, policy developments, and the macroeconomic backdrop shaped mid Q2 and forecasted into Q3 of 2025. The commentary highlights how EWA is actively managing portfolios to balance near-term risks with long-term opportunities.The commentary reaffirms EWA’s long-term investment approach, focused on resilience, diversification, and high-conviction ideas. Staying disciplined amid noise and policy uncertainty remains a cornerstone of the firm’s portfolio philosophy.1. Trade recap and t...
2025-05-2718 minFIN-LYT by EWA®Spousal Lifetime Access Trusts (SLATs): Estate Planning EssentialsIn this episode of FIN-LYT by EWA, Matt Blocki, Jamison Smith, and Jimmy Ruttenberg unpack one of the most powerful tools in estate planning: the Spousal Lifetime Access Trust (SLAT).Designed for high-net-worth families, SLATs can preserve control, maximize tax efficiency, and safeguard generational wealth. The team breaks down how these irrevocable trusts allow couples to move significant assets out of their estate—while still retaining indirect access to those funds. They dive into why this planning strategy is especially timely, with current estate tax exemptions set to sunset in 2026, and explain how to st...
2025-04-2222 minFIN-LYT by EWA®Navigating the Balance of Spending Versus SavingIn this episode of FIN-LYT by EWA, Devin Faddoul and Ben Ruttenberg explore the delicate balance between saving and spending—and why getting it wrong can lead to serious regret.Drawing on their experience working with high-net-worth clients, Devin and Ben break down the psychology behind over-saving and over-spending, highlighting common mindsets like scarcity, abundance, and status comparison. They explain how upbringing and past financial trauma can shape behavior, and why many people struggle to shift gears from accumulation to enjoying their wealth.The conversation also dives into practical fr...
2025-04-1519 minFIN-LYT by EWA®Planning Your Business SuccessionIn this episode of FIN-LYT by EWA, Jamison Smith and Devin Faddoul unpack the complex process of passing a business on to the next generation. With trillions pf dollars set to change hands over the coming decades, they explore why so many succession plans fail—and how to do it right.From emotional hurdles and family dynamics to valuation challenges and tax strategies, Jamison and Devin share real-world examples and planning techniques like gifting, installment sales, and family LLCs. They also offer tips for preparing children to take over and ensuring non-involved siblings are tr...
2025-04-0831 minFIN-LYT by EWA®Cybersecurity in Your FinancesIn this episode of FIN-LYT by EWA, Matt Blocki is joined by Ben Ruttenberg to break down cybersecurity best practices and how to keep your finances safe in today’s digital world. They dive into the growing risks of cybercrime and identity theft, and outline how individuals and firms can proactively protect their data and assets.The conversation focuses on the real-world steps EWA takes to safeguard client information—both at the institutional level with custodians like Fidelity, and at the personal level with tools like multi-factor authentication, secure document vaults, and cybersecurity insurance. Matt...
2025-03-2528 minFIN-LYT by EWA®Estate Planning & Tax-Efficient Insurance StrategiesIn this episode of FIN-LYT by EWA, Matt Blocki is joined by Jamison Smith and Jimmy Ruttenberg to break down estate planning and risk management strategies for high-net-worth individuals. They dive into the role of insurance in a comprehensive financial plan, covering everything from term and whole life insurance to universal life policies and long-term care riders.The conversation focuses on the real-world impact of insurance planning—where it fits, where it fails, and how to avoid costly mistakes. They discuss common pitfalls like underfunded policies, misleading assumptions, and why many people don’t real...
2025-03-1826 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q2 2025In this quarterly portfolio and market update, Matt Blocki reviews EWA’s Q2 2025 portfolio positioning and provides insights on recent market volatility. Despite headline risks and geopolitical uncertainty, the portfolio maintains a risk-on stance with strategic adjustments. The equity overweight has been slightly reduced from 4% to 3%.Key tactical moves include adding to U.S. equities, maintaining overweight positions in mega-cap tech stocks, and increasing gold exposure by 1% as a hedge against geopolitical risks and potential global trade disruptions. Fixed income strategy involves shortening duration within U.S. Treasuries and reducing ultra-long bond exposure to ma...
2025-03-1117 minFIN-LYT by EWA®Our Approach to Risk ManagementIn this episode of FIN-LYT by EWA, Matt Blocki is joined by Jimmy Ruttenberg and Allison Quatchak, who recently joined the EWA team to bring risk management in-house and provide the best service available for clients. They dive into Risk Management 101, breaking down why EWA made this move, how it fits into a comprehensive financial plan, and what clients need to know when reviewing their coverage.The conversation covers the key factors in assessing risk management needs, common mistakes that leave families exposed, and how the underwriting process really works—from medical exams to fi...
2025-02-2635 minFIN-LYT by EWA®Financial Planning Beyond the BasicsIn this episode of FIN-LYT by EWA, Matt Blocki, Devin Faddoul, and Chris Pavcic explore how financial planning goes beyond spreadsheets to help clients design a fulfilling life.They cover key wealth strategies for high-net-worth individuals, including preparing for a business sale, structuring trusts, tax-efficient charitable giving, and asset protection for physicians. The discussion also dives into managing concentrated stock as an executive and weighing the pros and cons of owning a vacation home.From proactive tax planning to designing a life with purpose, this episode highlights the importance...
2025-02-1934 minFIN-LYT by EWA®What a $10 Million Portfolio Means for RetirementIn this episode of FIN-LYT by EWA, Jamison Smith and Ben Ruttenberg break down what a $10 million portfolio can provide in retirement. They explore key factors like sustainable withdrawal rates, tax-efficient income strategies, and the impact of market fluctuations on long-term wealth.The conversation covers how asset allocation changes in retirement, ways to optimize cash flow while minimizing taxes, and the lifestyle choices that come with different spending levels. They also discuss the role of estate planning and charitable giving in preserving wealth for future generations.Whether you're planning...
2025-02-1226 minFIN-LYT by EWA®How to Make Tax Filing Easy: Pro Tips from a CPAIn this episode of FIN-LYT by EWA, Matt Blocki is joined by Tyler Bidwell, CPA and Director of Tax at EWA, to discuss key tax strategies as filing season approaches. They break down three essential tips to ensure a smooth tax process, avoid mistakes, and maximize savings.
The conversation covers proactive tax planning—why getting started in December is crucial for minimizing surprises. They highlight the importance of strong communication with your CPA to ensure tax decisions align with financial goals. Finally, they discuss why procrastination can lead to costly errors and unnecessary stress....
2025-02-0512 minFIN-LYT by EWA®How to Unwind a Sizeable Real Estate PortfolioIn this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith discuss strategies for unwinding a sizeable real estate portfolio. They explore the financial, tax, and lifestyle considerations involved in transitioning from active real estate ownership to a more traditional investment approach.
Matt and Jamison break down key factors, including the tax implications of selling properties, the benefits of 1031 exchanges, and the impact of capital gains taxes. They also compare the long-term returns of real estate versus the stock market, helping investors assess whether holding or selling is the best move.
2025-01-2919 minFIN-LYT by EWA®What to Do When Your Financial Advisor RetiresIn this episode of FIN-LYT by EWA, Matt Blocki, Ben Ruttenberg, and Chris Pavcic tackle an important question: What should you do when your financial advisor retires? They discuss the growing trend of advisors nearing retirement, the challenges clients face during this transition, and actionable steps to ensure your financial plan stays on track.
The team covers key considerations, including whether to self-manage, transition to a new advisor, or stay with the same custodian. They dive into the importance of consolidating accounts, ensuring continuity in estate planning, and finding an advisor aligned with your...
2025-01-2229 minFIN-LYT by EWA®Inside EWA: Client Case Studies IIIn this episode of FIN-LYT by EWA, Devin Faddoul and Jamison Smith dive into a real-life case study of a high-income couple with a $4.5 million net worth. They discuss how personalized financial planning can help achieve goals like financial independence, college savings, purchasing a vacation home, and making charitable contributions, all while maintaining tax efficiency.
The conversation highlights strategies such as maximizing Roth contributions, utilizing the mega backdoor Roth, restructuring life insurance policies, and creating trusts for estate planning. They also tackle optimizing cash flow, managing concentrated stock positions, and aligning investment portfolios with...
2025-01-1429 minFIN-LYT by EWA®Understanding Buy/Sell AgreementsIn this episode of FIN-LYT by EWA, Matt Blocki, Jimmy Ruttenberg, and Jamison Smith delve into the critical topic of buy-sell agreements and their role in safeguarding businesses and ensuring seamless transitions. With years of expertise, Jimmy Ruttenberg shares invaluable insights on structuring effective agreements that protect owners, stakeholders, and the business itself during pivotal moments like ownership changes, retirement, or unforeseen circumstances.
The discussion highlights actionable strategies, such as choosing the right funding mechanisms, tax-efficient planning for buyouts, and aligning agreements with long-term business goals. They also explore real-world examples, emphasizing how a well-crafted buy-sell agreement can prevent...
2025-01-0728 minFIN-LYT by EWA®Inside EWA: Client Case StudiesIn this episode of FIN-LYT by EWA, Devin Faddoul and Jamison Smith break down a real-life case study of a high-income earning couple. They explore how customized financial strategies can help achieve goals like financial independence, purchasing a dream home, and supporting family, all while maintaining a tax-efficient plan.
The discussion covers actionable steps, including maximizing Roth contributions, utilizing the mega backdoor Roth strategy, and adopting direct indexing for taxable accounts. They also address how to avoid lifestyle creep, optimize cash flow, and align asset allocation with long-term objectives. For physicians, they share tips...
2024-12-3129 minFIN-LYT by EWA®Retirement Account Contributions: What's New in 2025In this episode of FIN-LYT by EWA, Matt Blocki and Chris Pavcic break down the key financial planning updates for 2025. They cover changes to 401(k) contribution limits, catch-up rules, SEP IRAs, HSAs, and more, explaining how inflation and legislation like the SECURE Act are driving these adjustments.
Matt and Chris provide actionable advice to help you take advantage of these updates, including tips on maximizing contributions early in the year and utilizing strategies like the mega backdoor Roth. They also address common mistakes to avoid, such as missing employer matches or overcontributing without understanding...
2024-12-2410 minFIN-LYT by EWA®Introduction to Tyler Bidwell, CPA and EWA's Tax ServicesIn this episode of FIN-LYT by EWA, Matt Blocki sits down with Tyler Bidwell, EWA's new CPA and Director of Tax Planning, to discuss the integration of tax planning into holistic financial advising. They dive into Tyler's journey to EWA, his professional background, and how his approach to proactive tax planning is set to redefine client experiences.
The conversation covers key pain points in traditional CPA-client relationships, including tax surprises and inefficiencies in communication, and how EWA aims to solve them. Tyler shares insights on the importance of proactive tax strategies, seamless integration of financial and tax planning, and...
2024-12-1736 minFIN-LYT by EWA®Real Estate for Business Owners: Lease or Buy?In this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith tackle a key question for business owners: is it better to rent or buy your business property? They break down the pros and cons of each option, diving into considerations like tax benefits, control, cash flow implications, and the current real estate environment.
Matt and Jamison share real-world examples, including scenarios where property ownership has safeguarded retirement plans and instances where renting provided the flexibility needed for growth. They also highlight potential risks, such as hidden costs in commercial real estate and...
2024-12-1020 minFIN-LYT by EWA®Understanding Investing in CryptoIn this episode of FIN-LYT by EWA, Jamison Smith discusses the buzz surrounding cryptocurrency and Bitcoin following the 2024 presidential election. With Bitcoin hitting all-time highs and a pro-crypto administration set to take office, the conversation dives into whether cryptocurrency should be considered a viable investment or remains speculative. They break down key concepts like blockchain technology, the decentralized nature of cryptocurrencies, and their potential use cases across industries.The discussion also highlights the risks, including regulatory uncertainty, price volatility, and platform security concerns. Jamison weighs in on the recent introduction of cryptocurrency ETFs by...
2024-12-0423 minFIN-LYT by EWA®Investing in Trump's Second TermIn this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith discuss how the recent presidential election could shape financial planning and investment strategies. They explore the potential extension of the 2017 Tax Cuts and Jobs Act, corporate tax rate adjustments, and new opportunities for estate planning. While highlighting how deregulation and tariffs could impact sectors like energy, defense, and infrastructure, they caution against making emotional financial decisions based on political beliefs.
The episode also examines tax-efficient strategies, including Roth conversions and capital gains planning, to help individuals maximize their savings amidst potential policy...
2024-11-2626 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q1 2025In this quarterly portfolio and market update, Matt Blocki reviews the adjustments made to the EWA portfolio in Q1 of 2025, including an increased equity overweight from 1% to 4% following the removal of election uncertainty. The update emphasizes a bullish outlook driven by strong GDP growth, moderating inflation, and robust consumer spending. Tactical adjustments include leaning into U.S. equities, adding exposure to the momentum factor, and introducing a small allocation to gold to diversify against geopolitical risks. Changes in fixed income involve trimming duration and increasing allocations to high-yield bonds and convertible bonds. The video concludes with a review of...
2024-11-2012 minFIN-LYT by EWA®Sudden Wealth Syndrome ExplainedIn this episode of FIN LYT by EWA, Jamison Smith and Matt Blocki delve into "sudden wealth syndrome," examining the psychological and financial effects of inheriting or unexpectedly acquiring large sums. They highlight the challenges, such as identity shifts and feelings of guilt, that often lead individuals to feel isolated from their social circles.
Jamison and Matt offer practical guidance for both wealth givers and recipients. They stress the importance of gradual, thoughtful gifting strategies for wealth givers and recommend self-education and clear boundaries for wealth recipients. By aligning financial choices with personal values, those experiencing sudden wealth can...
2024-11-0716 minFIN-LYT by EWA®Financial Planning for NewlywedsIn this episode of FIN-LYT by EWA, Matt Blocki and Devin Faddoul dive into financial planning essentials for newlyweds, emphasizing the importance of early communication around shared financial goals. They introduce the concept of a "money vision" to set a clear path for couples' financial futures, covering crucial decisions around budgeting, debt, and savings that can shape a stable financial foundation.
Matt and Devin also discuss strategies like reverse budgeting, aligning on long-term goals like retirement, and balancing personal autonomy with shared financial responsibilities. The episode highlights the importance of proactive planning, including estate and insurance coverage, to ensure...
2024-10-3132 minFIN-LYT by EWA®Financial Planning Checklist for New ParentsIn this episode of FIN-LYT by EWA, Matt Blocki and Devin Faddoul discuss key financial strategies for new parents, focusing on how to manage the increased costs of raising children and ensuring long-term financial stability. They cover the importance of early communication between partners on critical decisions like education, discipline, and housing, emphasizing how these choices can shape a family’s financial future.
The episode also dives into budgeting for higher living expenses, estate planning, and risk management. Matt and Devin encourage listeners to create a solid financial plan to minimize stress and enjoy parenthood.
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2024-10-2417 minFIN-LYT by EWA®Tax Code Overview: Differences Between Harris and Trump ProposalsIn 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...
2024-10-1720 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q4 2024
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)
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View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977
2024-10-1013 minFIN-LYT by EWA®Adjusting Small and Mid-Cap Investments for Optimal Asset AllocationIn 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 large-cap versus small-cap stocks, Jamison explains why large caps are currently being favored, pointing to their stability and profitability during periods of high interest rates and economic uncertainty.
Their conversation dives into recent economic data, illustrating how small-cap stocks typically outperform i...
2024-10-0313 minFIN-LYT by EWA®Investing in Election Years: Why Staying the Course MattersIn 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 impact long-term returns. They emphasize that mixing politics with your investment strategy can be detrimental, and investors who stay the course through election cycles typically see better results.
Matt and Ben stress the importance of managing emotions during politically...
2024-09-2619 minFIN-LYT by EWA®The Best Savers are the Worst SpendersIn 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 for many retirees.
Jamison and Matt highlight three primary goals for retirees: staying financially secure, maximizing retirement income, and leaving a legacy. They emphasize the importance of balancing these goals and provide practical advice on...
2024-08-2926 minFIN-LYT by EWA®Managing Sequence of Return Risk in RetirementIn this episode of FIN LYT by EWA, 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 explain why this risk is crucial for a retiree's financial plan and provide examples to illustrate how different sequences of returns can affect the longevity of a retirement portfolio. They also emphasize...
2024-08-2216 minFIN-LYT by EWA®When Could An Annuity Make Sense In a Financial Plan?In this episode of "FIN LYT" by EWA, 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. While life insurance protects against premature death, annuities protect against outliving your money by providing a steady income stream. Ben breaks down the two main types of annuities: fixed...
2024-08-1916 minFIN-LYT by EWA®Surprising Things You May Not Know About RetirementIn this episode of "FIN LYT" by EWA, 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 and fulfillment, drawing on studies and real-life examples to highlight how retirees can navigate this significant life change. From maintaining mental stimulation to finding new activities that provide a sense of accomplishment, this episode offers...
2024-08-1516 minFIN-LYT by EWA®Real Life Case Study- Strategic Planning and Tax Efficiency for a Retired WidowIn 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 to ensure long-term stability and tax efficiency.
Matt and Chris explore the “widow penalty”, tax bracket management, and Medicare implications. They recommend strategic Roth conversions to optimize tax efficiency and reduce future RMDs. Additionally, they discuss the benefits of using a dono...
2024-08-0122 minFIN-LYT by EWA®Retirement Savings for Young High-Income Earners- Why $6M is the New $1M Nest EggIn 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 achieving financial independence by the age of 65.
Matt and Jamison provide a detailed analysis of income, expenses, and savings strategies, emphasizing the importance of a diversified portfolio and disciplined saving habits. They outline a step-by-step plan to accumulate the...
2024-07-2519 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q4 2023
1. EWA Firm Initiatives (00:45)
2. Quarter 3 Recap (09:52)
3. Looking Ahead to Quarter 4 (14:24)
4. Financial Planning (28:23)
Connect with EWA
https://ewa-llc.com/Follow Us on Social Media
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View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977
2024-07-1633 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q1 2024
1. EWA Firm Initiatives (00:39)
2. 2023 Q4 Recap (05:29)
3. Looking Ahead Into Q1 (11:30)
4. Portfolio Changes (21:00)
5. Financial Planning Tips (33:57)
Connect with EWA
https://ewa-llc.com/
Follow Us on Social Media
https://www.instagram.com/ewa.llc/
https://www.linkedin.com/company/equilibrium-wealth-advisors/
https://www.facebook.com/EquilibriumWealthAdvisors/
View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977
2024-07-1640 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q2 20241. Introduction (0:09)
2. Market Summary and Update (0:54)
3. EWA Portfolio Model and Philosophy (16:26)
4. EWA Live Look at Portfolio (22:47)
Additional Content Available on YouTube
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Connect with EWA
https://ewa-llc.com/Follow Us on Social Media
https://www.instagram.com/ewa.llc/
https://www.linkedin.com/company/equilibrium-wealth-advisors/
https://www.facebook.com/EquilibriumWealthAdvisors/
View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977
2024-07-1635 minFIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q3 2024
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
https://ewa-llc.com/Follow Us on Social Media
https://www.instagram.com/ewa.llc/
https://www.linkedin.com/company/equilibrium-wealth-advisors/
https://www.facebook.com/EquilibriumWealthAdvisors/
View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977
2024-07-1617 minFIN-LYT by EWA®Balancing Risk and Reward Through Retirement Withdrawal StrategiesIn 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 withdrawal strategies to maintain financial security.The conversation then introduces the guardrail approach, a flexible method that adjusts withdrawals based on market performance. Matt and Nick highlight the importance of having a diversified portfolio, combining equities and fixed income...
2024-07-1119 minFIN-LYT by EWA®Term vs. Whole Life Insurance: Finding the Right Balance for Your Financial PlanIn this episode of the FIN LYT by EWA Podcast, Matt Blocki and Ben Ruttenberg tackle the timeless debate of term life insurance versus whole life insurance. They discuss into the pros and cons of each approach, helping listeners navigate the complex decision of choosing between term policies and permanent insurance products. The discussion provides a framework for determining life insurance needs using the LIFE acronym: Liabilities, Income replacement, Final expenses, and Education.
Matt and Ben discuss how to calculate the appropriate coverage and evaluate whether to invest the difference saved from buying term insurance. They emphasize the...
2024-07-0319 minFIN-LYT by EWA®The Secure Act 2.0: What Business Owners and Retirees Need to KnowIn this episode of FIN LYT by EWA, Matt Blocki and Ben Ruttenberg explore the intricacies of the Secure Act 2.0. They break down the major changes introduced by this significant legislative update and discuss how it builds upon the foundations set by the original Secure Act of 2019. They focus on key provisions that are especially relevant to business owners, individuals with 529 plans, and those contributing to 401(k)s.
The discussion includes an overview of automatic 401(k) enrollments, a new requirement for plans initiated post-2024, and explores the option for employees to opt-out. Matt and Ben also examine the updated...
2024-06-2718 minFIN-LYT by EWA®Planning Ahead: Financial Steps to Take Before a Loved One PassesIn this personal episode of FIN LYT by EWA, Matt Blocki and Ben Ruttenberg delve into one of life's most challenging experiences: preparing for the passing of a loved one. Understanding the emotional weight and complexity of this topic, they offer compassionate guidance on how to manage financial affairs before a parent or loved one passes, focusing on the crucial
conversations and actions that can ease this transition.
Matt and Ben discuss the importance of proactive planning to ensure all financial aspects are orderly, which can significantly reduce the stress during such a trying time. They cover...
2024-06-1329 minFIN-LYT by EWA®SEP IRA vs. 401K: Choosing the Best Retirement Plan for Your BusinessIn this week's episode of FIN LYT by EWA, Matt Blocki, Jamison Smith and Ben Ruttenberg dive into a critical decision for business owners: choosing between a SEP IRA and a 401K plan for retirement savings. They begin by outlining the fundamental differences between these two popular retirement vehicles, discussing the ease of setup, contribution limits, and tax implications. Whether you're self-employed or managing a growing business, understanding these options is vital for your financial strategy.
Matt, Jamison and Ben explore various scenarios to illustrate how each plan works in real-world settings, highlighting the SEP IRA's...
2024-06-0621 minFIN-LYT by EWA®iShares Insights on New Investment FrontiersIn this episode of FIN LYT by EWA, Matt Blocki welcomes Jay Jacobs, US Head of Thematic and Active ETFs at Blackrock.
Jay brings his expertise to discuss the evolving landscape
of investment opportunities pressing questions around interest rates and the structural economic factors influencing market dynamics.
Jay shares his insights on the underpinnings of
inflationary pressure and the implications for investors, highlighting the critical role of strategic investment in a high-interest-rate environment.
He emphasizes the significance of thematic investing,
especially in areas like AI and digital disruption, healthcare innovation, and the reshaping...
2024-05-3046 minFIN-LYT by EWA®Strategies and Potential Pitfalls for the DIY InvestorIn this episode of the FIN LYT by EWA Podcast, Stephanie Bogden and Chris Pavcic discuss the world of DIY investing. They explore what it means to be a DIY investor, the common pitfalls, and the potential mistakes that can occur when managing one's own investments. The conversation aims to educate listeners about the challenges of DIY investing and how to effectively manage these risks with or without the aid of a financial advisor.
At the core of their discussion is the concept of diversification. They explain why simply holding a variety of stocks isn't enough and...
2024-05-2124 minFIN-LYT by EWA®Healthcare Options and Medicare After 65In this episode of FIN LYT by EWA, Matt Blocki and Jamison Smith explore the complexities of Medicare. This episode focuses on understanding Medicare, a crucial element of health care for individuals over 65 and those with certain disabilities. They trace Medicare's history back to its inception in 1965, discuss its evolution, and differentiate it from Medicaid.
Matt and Jamison cover the basics of Medicare Parts A, B, C, and D, detailing what each part covers and the associated costs and explore the financial implications of Medicare taxes on investments and how recent legislation has influenced these costs. The discussion...
2024-05-1625 minFIN-LYT by EWA®A Blueprint for Managing Student Loans
In this episode of FIN LYT by EWA, Matt Blocki, Jamison Smith, and Chris Pavcic break down the world of student loans. Student loans are a topic that touch the lives of many, from anxious parents planning their child's education to graduates burdened with loan repayments.
Matt, Chris and Jamison split the conversation into two critical areas: strategic advice for parents navigating the funding of their child's college education, and financial planning for graduates saddled with school loans. They share stress tests to ensure financial planning remains in tact around significant commitments like purchasing a house.
Matt, Jamison, and...
2024-05-0234 minFIN-LYT by EWA®10 Tips to Help Navigate When You Are Wealthy (But Your Loved Ones Are Not)In this episode of FIN LYT by EWA, Matt Blocki and Jamison Smith dive into a complex and often misunderstood topic: navigating the challenges of being significantly wealthier than most of your loved ones. Many believe that accumulating more money leads to greater happiness, but as Matt and Jamison discuss, this isn't always the case. Achieving financial success can sometimes strain relationships, especially when there is a substantial income gap between you and your family or friends.
Matt and Jamison offer ten practical tips for individuals who find themselves in this unique position, starting with understanding your "...
2024-04-1127 minFIN-LYT by EWA®A Surgeon's Financial Journey: The Balancing Act of Navigating Debt, Family, and FulfillmentIn this special episode of FIN LYT by EWA, Matt Blocki and Chris Pavcic engage in a conversation with two long time clients, both in the medical field, revealing the intricacies of navigating life's financial and personal challenges. The clients, a surgeon and an occupational therapist, respectively, share their journey from accumulating substantial educational debt to making life-altering decisions amidst the birth of their children and the COVID-19 pandemic. Their story highlights the balance between debt repayment, career sacrifices, and the importance of family and well-being. The episode offers invaluable insights for young couples striving to manage finances, debt...
2024-04-0450 minFIN-LYT by EWA®How to Protect Yourself If You Have a Concentrated Stock PositionIn this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith discuss how individuals with highly concentrated stock positions can take proactive steps to protect themselves. Concentrated stocks are more common than ever, with many individuals finding a significant portion of their net worth tied to company stock, whether through executive compensation packages in tech and manufacturing sectors or large investments in rapidly appreciating stocks.
Matt and Jamison explore the intricacies of this topic against the backdrop of a rapidly changing economic landscape, where the lifespan of companies has drastically shortened, and the average tenure...
2024-03-2826 minFIN-LYT by EWA®Beyond the Numbers: Managing Paradoxes While Solving Financial Planning ProblemsIn this episode of FIN-LYT by EWA, Matt Blocki and Stephanie Bogden unravel the complexities and paradoxes that often accompany financial decisions, aiming to simplify some of the most common financial problems clients face. Matt and Stephanie shed light on the pivotal role of financial advisors, extending beyond conventional problem-solving to address the emotional and psychological facets of financial management. The discussion underscores the irreplaceable value of financial advisors in overcoming the human challenges of regret, stress, and internal conflict, proving that the true value of their services far surpasses any fee—especially when compared to the limited so...
2024-03-1436 minFIN-LYT by EWA®Decoding Private Investments: Complexities of Private Equity, Venture Capital, and Real EstateIn this episode of the FIN-LYT by EWA, Matt Blocki, Jamison Smith, and Ben Ruttenberg discuss various types of private investments and their complexities. The realm of private investing has become increasingly accessible to high-net-worth individuals, and it is critically important to do proper due diligence and understand the nuances of these investments.
Matt, Jamison, and Ben dissect the three main categories of private investments: private equity, venture capital, and more localized, mom-and-pop private deals, adding a fourth dimension with real estate syndicates. They provide a comprehensive breakdown of each category, highlighting the differences in strategies, the level...
2024-03-0736 minFIN-LYT by EWA®Do's and Don'ts When Tracking Your Financial PlanOn this episode of FIN LYT by EWA, Ben Ruttenberg and Stephanie Bogden on a deep dive into financial wellness focusing on distinguishing between productive and counterproductive financial tracking habits. Ben and Stephanie share insights into the practices that truly matter when it comes to tracking your financial journey. From the pitfalls of obsessing over a perfect credit score to the common mistake of tracking every single expense, they unravel the misconceptions that can derail your financial planning efforts.
Ben and Stephanie shed light on the constructive strategies that can lead to genuine financial health, including the benefits...
2024-02-2922 minFIN-LYT by EWA®Revocable and Irrevocable Trusts: Exploring Estate Planning and Tax EfficiencyIn this episode of FIN LYT by EWA, hosts Matt Blocki, Ben Ruttenberg, and Chris Pavcic dive into the intricacies of trusts, estate planning, and tax efficiency. They provide valuable insights into the distinctions between revocable and irrevocable trusts and the critical role they play in safeguarding one's financial legacy.
They discuss the benefits of revocable trusts, highlighting their benefits, including control, privacy, and the avoidance of probate. They stress the importance of thorough estate planning, encompassing power of attorneys and living wills, to ensure a smooth transition in cases of incapacitation or passing. Shedding light on irrevocable...
2024-02-2240 minFIN-LYT by EWA®Navigating the Crossroads of Entrepreneurship, Family Ties, and Personal GrowthIn this special episode of FIN LYT by EWA, Matt Blocki welcomes his lifelong friend, client, and accomplished business owner, Matt White. In this deeply engaging conversation, they delve into Matt White's transformative journey from a finance enthusiast to a technology entrepreneur behind TSI Video, a leader in onboard video surveillance solutions for public transit across North America.
Discover the pivotal moments that shaped TSI Video's trajectory, including the strategic shift from reselling to developing proprietary products and navigating the complex process of business transition from one generation to the next. Matt White shares the invaluable lessons learned...
2024-02-151h 18FIN-LYT by EWA®5 Missteps to Avoid in Your Financial PlanIn this episode of FIN LYT by EWA, Matt Blocki, Chris Pavcic, and Jamison Smith discuss five crucial things you should avoid in your financial plan and shed light on the potential risks and pitfalls associated with various financial strategies. They draw from real life experiences with clients throughout their careers as advisors.
Included in their list are Initial Public Offerings (IPOs)
likening some IPOs to pump and dump schemes, hedge funds that aim to outperform the market and “indexed universal anything” including annuities and indexed life insurance contracts. Learn more about hidden fees and limita...
2024-02-0832 minFIN-LYT by EWA®Master Travel through Points and Miles with Bryce Conway of 10x TravelIn this week’s episode of FIN-LYT by EWA, Matt Blocki welcomes special guest, Bryce Conway, Founder of 10x Travel. Bryce shares invaluable insights and resources for individuals and couples looking to unlock the power of travel using points and miles. Matt and Bryce dive into the following and more in this episode:
• How to identify a starting point for anyone interested in free travel
• How to access 10x Travel's website, where you can access their free course on leveraging points and miles for incredible travel experiences.
• How 10x Travel can help you extract maximum value from you...
2024-02-011h 05FIN-LYT by EWA®Protecting Your Finances and Data: Cybersecurity EssentialsIn this episode of FIN LYT by EWA, Matt Blocki and Jamison Smith dive into the critical topic of cybersecurity. As the digital landscape evolves, so do the threats to our personal and financial information. Matt and Jamison offer insights and advice on how individuals can safeguard themselves proactively and reactively in the digital age.
They discuss the alarming prevalence of cyberattacks in organizations, particularly during the pandemic and stress the importance of staying vigilant and proactive in the face of these threats.
Topics include: 1. Risks of using public Wi-Fi networks and...
2024-01-1132 minFIN-LYT by EWA®Navigating NIL: Financial Literacy and College AthleticsIn this episode of FIN LYT by EWA, Matt Blocki and Ben Ruttenberg discuss the world of NIL (Name, Image, Likeness) in college athletics. Ben, a self-professed sports enthusiast, discusses the significant changes in the college athletic landscape due to NIL and its implications for student-athletes' financial literacy.
They explore the origins of NIL and why it was adopted by the NCAA in 2021 and emphasize the opportunities it provides for student-athletes to profit without jeopardizing their eligibility. The conversation explores the financial implications of NIL income, tax considerations, and strategies for managing newfound wealth. They stress the importance...
2024-01-0430 minFIN-LYT by EWA®Investing Cash Into The Market: Market Timing, Psychology, and the Long Game
In this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith dive deep into the world of investing, discussing the common struggles individuals face when deciding when and how to put their cash into the stock market. They address the top three objections people have when considering investing their cash, including concerns about high valuations and waiting for market drops. The hosts also explore the psychological aspect of investing and how it impacts decision-making.
The episode takes a data-driven approach, examining historical trends and statistics to dispel common myths about market timing. They emphasize the importance of a...
2023-12-2128 minFIN-LYT by EWA®Simplifying Medicare and Healthcare Planning in RetirementIn this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith dive into the complexities of Medicare and healthcare planning. Their discussion details everything from the basics of Medicare to considerations for healthcare before and after retirement.
Discover the key differences between Medicare and Medicaid, the historical background of Medicare, and how it has evolved over the years to meet the changing needs of an aging population. Learn about the various parts of Medicare, from Part A to Part D, and understand the costs and premiums associated with each.
Matt and Jamison also provide...
2023-12-1425 minFIN-LYT by EWA®Unlocking Higher Education: Navigating College Admissions with Kris Wong Davis of Carnegie Mellon UniversityIn this episode of FIN-LYT by EWA, Jamison Smith is joined by Kris Wong Davis, the Vice Provost for Enrollment Management and Dean of Admission at Carnegie Mellon University. Together, they dig into the intricate world of higher education, providing valuable insights and advice for students and parents embarking on the college journey.
Kris Wong Davis sheds light on the pivotal role of her office in the higher education process and underscores the significance of guiding prospective students through the
admissions process, helping them understand what a university has to offer and ultimately determining if the university...
2023-12-0754 minFIN-LYT by EWA®Avoiding Million-Dollar Mistakes with Your Equity Compensation: Understanding RSU’s, ISO’s and PSU’sIn this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith demystify the world of equity compensation and simplify this complex and valuable component of compensation packages. They define equity compensation as non-cash benefits offered to employees, typically in the form of ownership in the company. Whether it's stock options, restricted stock units (RSUs), or employee stock purchase plans, these incentives are commonly provided by public companies, private companies, and startups to align employee interests with company growth.
Matt and Jamison discuss the why and how of equity compensation, emphasizing its role in retaining employees through...
2023-11-3037 minFIN-LYT by EWA®10 Things You Should Know About Your 401kIn this episode of FIN-LYT by EWA, Matt Blocki and Ben Ruttenberg dive into the world of 401(k) retirement plans,
sharing valuable insights and expert advice on crucial aspects you need to know to make the most of your retirement savings. Whether you're just starting your career or nearing retirement, this episode has something for everyone who has an employer provided plan. Included in this episode are discussions
on Roth vs. Pre-Tax Contributions, Employer Match, After Tax Contributions, 401k loans and much more. Tune in to this episode of FIN-LYT by EWA for a comprehensive guide to optimizing your 401(k...
2023-11-2241 minFIN-LYT by EWA®The Mega Backdoor Roth Strategy ExplainedIn this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith dive into a financial strategy that often flies under the radar but has the potential to supercharge your retirement savings: the Mega Backdoor Roth.
Many individuals may be familiar with traditional retirement
savings options, but the Mega Backdoor Roth 401k is a less well-known yet incredibly powerful tool that can help build your retirement nest egg more rapidly. Matt and Jamison will break down the intricate details of this strategy, explaining how it works and why it's a game-changer for many clients. It's a financial...
2023-11-1638 minFIN-LYT by EWA®If You Knew the Stock Market Would Drop 50% Tomorrow, Would You Stay In?In this episode of FIN-LYT by EWA, Matt Blocki and Stephanie Bogden dive into the timely topic of staying invested and focusing on long-term strategies during
market downturns. They discuss how the stock market consistently transfers wealth from impatient to patient investors, emphasizing the importance of aligning oneself with the latter group.
They discuss the significance of market movements, volatility, and bear markets, revealing that those born before 1973 have witnessed three major market downturns of approximately 50% drops, while those born after March
2000 have already navigated two of these, along with the rapid decline in March 2020. They explore...
2023-11-0932 minFIN-LYT by EWA®Debunking 5 Financial Planning MisconceptionsIn this episode of FIN-LYT by EWA, hosts Matt Blocki and Jamison Smith tackle five common misconceptions in financial planning that they’ve encountered in their careers. They breakdown the idea that "buying is better than renting.", the myth that it's better to have multiple financial advisors and spread your money out, the idea that "more money equals more happiness." and more. They also discuss how individual values, circumstances, and psychological factors all play a role in biases, decision making processes and, ultimately, in determining happiness. This episode will
challenge these financial planning misconceptions and provide valuable insights to hel...
2023-11-0245 minFIN-LYT by EWA®Top 10 Tips for Raising Financially Responsible Kids
In this episode of FIN-LYT by EWA, Matt Blocki and Stephanie Bogden share their top 10 tips for raising financially responsible kids and shaping their perspective on money and success. Communication about money is key as you teaching children about earning, saving, and spending wisely. Matt and Stephanie’s tips include creating an environment where kids feel comfortable asking questions about financial matters, beginning to save early for future goals and encouraging parents to brainstorm ways for their children to earn what they desire. This includes discussing the value of tasks around the home and how they can contribute to wh...
2023-10-2624 minFIN-LYT by EWA®How to Ensure the Value You Receive is Well Above the Fee You Pay to a Financial AdvisorIn this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith dive into the world of fees charged by planners, advisors and agents. With a commitment to full transparency, they break down the various fees that clients could be charged and what these costs actually mean. Understanding how and what fees are being charged is crucial for making informed decisions about your financial future. Matt and Jamison offer listeners invaluable insights, demystifying the fee structures employed by different financial professionals, from flat fees to commissions and AUM (Assets Under Management) charges. Matt and Jamison provide guidance on how...
2023-10-1247 minFIN-LYT by EWA®Tips to Ensure You Maximize Employee Benefits When Changing JobsIn this episode of FIN-LYT by EWA, Jamison Smith and Ben Ruttenberg dive into the essential steps you should take when changing employers. Job transitions can be a pivotal moment, and it's crucial to make the most of the benefits available to you.
Jamison and Ben share valuable insights on what you should consider to ensure a seamless transition. From understanding your current benefits package, to optimizing your savings, they provide actionable tips to help you make informed decisions. Once you’ve assumed a new role, there are additional opportunities to maximize your employer-provided options. Tune in to discover st...
2023-10-0532 minFIN-LYT by EWA®How Do I Know My Advisor Has Me In a Good Portfolio?In this episode of FIN LYT by EWA, Matt Blocki answers the pressing question that often keeps investors awake at night: "How do I know if my advisor has me in a good portfolio?"
Throughout this podcast Matt discusses:
• EWA’s portfolio construction process
• The crucial elements of a well-diversified portfolio- Asset allocation and diversification
• Red flags to watch out for
• Strategies to evaluate your portfolio's performance and risk.
• Tips for building a strong and sustainable investment plan
If you've ever wondered how your portfolio was created and if its components will help you mee...
2023-09-2820 minFIN-LYT by EWA®How Contract Negotiation Can Save High Earners Millions of Dollars Over Their CareersIn this episode of FIN-LYT by EWA we are addressing a crucial topic for many of our clients: why physicians (and high income earners) should invest time in understanding and negotiating their employment contracts. The years of dedication and financial investment it takes to become a physician uniquely prepares individuals for their career but does not train them in contract negotiation. The financial stakes are substantial, and a well-negotiated contract can mean the difference between hundreds of thousands or even millions of dollars over your career span. Money that can be directed toward paying off loans or securing your...
2023-09-2138 minFIN-LYT by EWA®Should I Still Be Investing in International Stocks?In this episode of FIN-LYT by EWA our team explores the world of
international investments and answer the common question, “Should I still be investing in international stocks?” Matt Blocki, Ben Ruttenberg, and Nick Stonesifer make the case for the importance of international investments in proper asset allocation, diversification, and achieving the best risk-adjusted returns for long-term investors. In the United States many investors have a
subconscious bias towards domestic investments, so it is important for investors to understand why international investments remain a cornerstone of a well-rounded investment portfolio. Matt, Nick and Ben discuss both emerging markets and deve...
2023-09-1439 minFIN-LYT by EWA®Powerful Tax Strategies That Business Owners Can Use to Save MillionsIn this episode of FIN-LYT by EWA, Matt Blocki, Ben Ruttenberg, and Chris Pavcic dive into the world of tax strategies that every savvy business owner needs to know. Taxes can be a daunting aspect of running a business, but with the right knowledge, they can also become a powerful tool to unlock incredible financial advantages. This episode sheds light on lesser-known but highly effective tax strategies that could make a substantial difference in your bottom line. Learn more about the Augusta rule, Section 179 in the tax code, the concept of hiring your children and much more. Matt, Ben, an...
2023-09-0743 minFIN-LYT by EWA®College Planning: Breaking Down the Best Accounts and StrategiesIn this episode of FIN-LYT by EWA, lead advisors Jamison Smith and Chris Pavcic tackle the topic of college planning. College planning is often a high priority for parents, second only to retirement funding. It is essential to select the optimal savings accounts based on individual goals including
529 plans, Roth IRAs, and more. Beyond the financial aspects, Jamison and Chris emphasize the importance of a well-defined vision and philosophy concerning education, underlining how these foundations play a big role in charting a successful education plan. Whether you're a parent or a student, this
discussion will equip you with the...
2023-08-3130 minFIN-LYT by EWA®Women and Financial Planning: Two Unique PerspectivesIn this episode of FIN-LYT by EWA, Stephanie Bogden and Jordan Fediaczko discuss the world of financial planning with a special focus on the unique considerations that many women face on their financial journeys. Join them as they share their personal stories, insights, and tips on how women can approach wealth-building, investment, and long-term financial planning.
They share practical advice on building a strong financial foundation and setting achievable goals, as well as thoughts on managing finances during major life transitions, such as marriage, divorce, starting a family and caring for aging parents.
Additional Content Available...
2023-08-2428 minFIN-LYT by EWA®How Social Security Fits Into Your Financial PlanThis week on FIN-LYT by EWA, Matt Blocki and Jamison Smith discuss Social Security and its pivotal role in retirement planning. This episode is designed to cut through the noise and provide you with clear, unbiased guidance on when to take your Social Security benefits, how it can influence your overall retirement strategy, and how it aligns with the EWA’s philosophies.
Navigating the complexities of Social Security can be daunting but this episode will simplify the process and break down the key factors to consider when deciding the optimal time to start receiving your benefits. They discuss how yo...
2023-08-1726 minFIN-LYT by EWA®Who is EWA? Meet the Team!This week on FIN-LYT by EWA, we invite you behind the scenes to introduce you to the minds and personalities that drive EWA. In this special “Meet the Team” episode, we sit down with each member of our growing team to learn what makes them tick both personally and professionally. We share the stories shaped their careers, the passions that fuel their dedication, and the unique perspectives that they bring to the table. We invite you to get to know all of us more personally!
Additional Content Available on YouTube
https://www.youtube.com...
2023-08-1048 minFIN-LYT by EWA®Complexities and Tax Advantages of Real Estate InvestingHave you been approached by a family member, friend, or colleague about a real estate investment? Before you make a commitment to a real estate investment, it’s important to understand what tax benefits are available and if it’s the right fit for your financial goals.
EWA recommends looking at every investment opportunity from 3
lenses:
1. Will this give me peace of mind?
2. Will this save me time or waste my time?
3. What are the tax adjusted returns?
Join us as we discuss the pros and cons, the tax advan...
2023-08-0345 minFIN-LYT by EWA®From Door to Door Sales to CEO and Founder of One of the Solar Industry's Fastest Growing Companies
In this episode of FIN-LYT by EWA, Matt Blocki is joined by Bryan Liposky, CEO and Founder of Lifestyle Marketing in Pittsburgh, PA. Bryan takes us on his personal journey of entrepreneurship and reveals the pivotal moments and challenges that shaped his path to success. Bryan believes that differentiating yourself in the business world is rooted in authenticity and the ability to create genuine connections. Whether you're an aspiring entrepreneur, a seasoned business owner, or simply intrigued by the boundless potential of solar energy,this episode of FIN-LYT will leave you informed and inspired.
2023-07-271h 00FIN-LYT by EWA®Annuities Explained: The Good, the Bad and the Ugly
In this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith dive into the universe of annuities. They explore which types have potential benefits (fixed income annuities) and why most (indexed and variable) do not make sense most of the time as they unravel the high (and sometimes hidden) embedded costs. They also shed light on all of the other possible downfalls. This podcast will serve as a guide to understanding annuities and making informed decisions.
Topics include:
1. Annuity Basics: Fundamental principles, how they work, the various types available, and their purpose
2. Benefits an...
2023-07-2045 minFIN-LYT by EWA®6 Timeless Lessons of Financial Planning (and Paradoxes That Come With Them)In this episode of FIN-LYT by EWA, Matt Blocki and Chris Pavcic explore the 6 timeless lessons that are at the core of our financial lives. They unravel the paradoxes that surround each lesson, highlighting the tension between potentially conflicting ideas and helping listeners navigate these complexities. From understanding risk and reward to finding the balance between short-term gains and long-term security, they provide valuable guidance for anyone seeking to build a solid financial foundation while living their present lives by design.
Exploring these lessons and associated paradoxes illustrate how intertwined our personal values and financial lives can...
2023-07-1328 minFIN-LYT by EWA®Financially Independent Before 50? Yes, It's Possible! A Conversation with EWA Clients, Bryan and Jennifer McNuttJoin Jamison Smith on this episode of FIN-LYT by EWA as he sits down with clients Bryan and Jennifer McNutt to discuss how they are on track for financial independence before 50! Hear their remarkable story about how making the right decisions throughout life, combined with Jamison's guidance and EWA's roadmap allowed them to take control of their finances. Learn how they've been able to stay motivated and committed to their goals, enabling them to live a stress-free financial life. Find out the secrets behind the McNutt's success as they share knowledge and lessons they have gathered along the way...
2023-07-0657 minFIN-LYT by EWA®EWA's Investment Pillars- Our Approach to Portfolio Management
Every firm must have a strong foundation of core investment principles. In this episode, Matt Blocki is joined by Portfolio Manager, Nick Stonesifer, and Director of Investment Operations, Jordan Fediaczko, and they, together, unravel the pillars of EWA's investment philosophy, shedding light on their guiding principles. They explore the key elements that drive EWA's decision-making processes, ultimately shaping their investment strategies.
Matt, Nick, and Jordan share real-world examples to illustrate the application of these pillars in EWA's daily investment operations. They provide listeners with actionable insights and valuable takeaways, empowering both seasoned investors and those new to the...
2023-06-291h 02FIN-LYT by EWA®How Do I Make $1 Million a Year and Still Feel Broke?Control your money temperature before it controls you. Tune in to FIN-LYT by EWA and join Matt and Jamison as they discuss advising clients who make over $1 million a year and the common theme of lifestyle creep getting the best of the brightest professionals. They discuss why this happens, and how to get out of it by navigating taxes, high expenses, private schooling costs, setting and achieving large goals, and more. Find out how to make the most out of your money and live a life by design where your money is supporting your goals (instead of controlling your...
2023-06-2250 minFIN-LYT by EWA®How Much Insurance Do I REALLY Need? A Breakdown of Proper Risk Management for Young FamiliesWith a growing family, there are many things that can keep you up at night. Among many questions, you may be asking asking yourself, "Would my family be ok without me?" and "How would I support my children if I couldn't work?" Without the appropriate risk management strategies in place, even the best laid financial plans can be thrown drastically off track in the event of premature death or the inability to work. With all the different types, definitions, and utilizations for insurance out there, you may also be asking "How do I know I am fully protected?". In...
2023-05-1844 minFIN-LYT by EWA®From Assistant to Executive in a Tech Company IPO: How a Multi-Million Dollar Mistake was AvoidedHow do you make the leap from an assistant to an insurance agent to the Director of Technical Recruiting for Carvana and become a key person in their IPO?
In this episode, Jamison Smith sits down with long time EWA client, Chiara Hughes, to discuss how she skyrocketed to success and what elements of her mindset allowed her to take charge of her life personally, professionally, and ultimately, financially. They discuss how a tough decision to diversify a concentrated holding ultimately led to multi millions of wealth preserved. This clutch decision has led to Chiara having the f...
2023-05-041h 57FIN-LYT by EWA®EWA Stock Market and Portfolio Commentary Q2 2023
We are excited to share our first quarter recap for 2023, as well as thoughts looking forward on Q2, 2023 to keep you informed and updated on our investment portfolio with EWA. If you an EWA client, your Q1 investment report has been uploaded to your eMoney vault.
The Quarter 1 video will address 6 central topics:
Firm Initiatives (.40)
Recap of Quarter 1, 2023 (4.41)
2023, Quarter 2 Projections (10:02)
FAQ's From Clients (18:26)
EWA Portfolio (24:50)
Meet Jordan Fediaczko (32:19)
Find us on You Tube for Additional Content
https://www.youtube.com/@FIN-LYTbyEWA/featured
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2023-04-2433 minFIN-LYT by EWA®Direct Indexing: How to be Tax Efficient with Money Outside of Your 401kJoin us for our inaugural episode of FIN-LYT by EWA! The mission of this podcast is to provide financial literacy to all listeners and serve as a catalyst to help make complex financial topics simple. The topics and interviews unpack important financial topics, tips to keep you ahead of the game, and how good financial planning can help you balance living your life by design now, and secure financial freedom in the future.
This episode, CEO, Matt Blocki, and Lead Advisor, Jamison Smith, delve in direct indexing and its immense benefits to clients. Answers to these questions...
2023-04-1036 min