Confused by all the fund options out there? In this episode, we break down the core differences between Index Funds, Mutual Funds, and ETFs, so you can decide what fits your financial goals. Learn how each type works, what sets them apart, the pros and cons of active vs. passive strategies, and how fees, flexibility, and performance play into the decision.

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President Trump’s One Big Beautiful Bill has officially passed, and it comes with sweeping changes that could directly impact your taxes, healthcare, and government benefits.

The bill makes the 2017 tax cuts permanent, introduces new deductions for tip income and overtime, imposes work requirements for Medicaid and SNAP recipients, and redirects federal spending toward defense and border security. 

It also eliminates several clean energy tax credits while expanding fossil fuel incentives, raising questions about its long-term fiscal and social impact.
In this episode, Ara Oghoorian, breaks down what the bill actually means for you. From new tax rules and benefit reductions to shifts in federal spending priorities, Ara explains the key takeaways in simple, practical terms.

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In this episode, we explore how Treasury Bills (T-Bills) are taxed, how to buy and sell them, what happens when they mature, and how to calculate their tax-equivalent yield. We also compare T-Bills to other fixed-income options like CDs to help you evaluate whether they’re the right choice for your investment strategy.

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CPA in Los Angeles, CA

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If your home was destroyed or severely damaged in the recent California disasters, you may be eligible for a $20,000 grant through the Cal Assistance Mortgage Fund. In this video, I walk you through the program details, eligibility requirements, income limits by county, property and mortgage qualifications, and the full list of documents you’ll need to apply.

The application portal opens June 12, 2025, so it’s important to prepare early. Whether you're in Los Angeles, Sacramento, San Francisco, or another affected area, this video will help you understand if you qualify and how to get started.

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The S&P 500 index fund is simple, low-cost, and backed by decades of strong performance, but it’s not a complete strategy. Putting all your money into one index could expose you to unnecessary risks and limit your long-term growth.

In this episode, Ara Oghoorian, CFP, CFA and founder of ACap Advisors & Accountants, breaks down:

- What the S&P 500 really is and how it works
- Why it’s a smart investment for many investors
- And why diversification is still essential,  even if you love the S&P 500

Whether you’re just starting out or reevaluating your portfolio, this video will help you invest with more clarity, confidence, and purpose.

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CPA in Los Angeles, CA

In this episode, we cover the most important Social Security changes for 2025 and what they could mean for your future benefits. From the official 3.2% COLA adjustment to updates in earnings limits and monthly benefit amounts, these changes may directly impact current recipients and those planning for retirement.

Here’s what you’ll learn:
– The 2025 COLA (Cost-of-Living Adjustment) and how it affects your monthly benefits
– Increased earnings limit for individuals collecting Social Security before full retirement age: now $22,300
– Updated maximum benefit for those retiring at full retirement age: now $3,900 per month

We’ll also discuss key legislative proposals:
– What’s in the Social Security Fairness Act currently under consideration in Congress
– Proposed changes to Social Security benefits under President Trump’s 2025 policy platform

These updates are critical for retirees, workers nearing retirement, and anyone who relies on Social Security benefits. Staying informed now can help you make better financial decisions for the future.

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Stagflation is an unusual and troubling economic condition where three things happen at once: inflation stays high, economic growth slows down, and unemployment remains elevated. It’s a term that gained attention in the 1970s and continues to be relevant today, especially as concerns about stagflation in 2025 grow.

➞ Stagflation causes 
Unlike typical economic cycles where inflation rises during growth and falls during recessions, stagflation defies that pattern. It’s often triggered by a combination of supply shocks (like a sudden spike in oil prices), poor economic policy decisions, or external global pressures. These factors push prices up while slowing productivity and job creation.

➞ Stagflation vs inflation
While inflation on its own refers to rising prices, stagflation adds two more layers of difficulty: slow growth and job losses. That combination makes it especially hard to manage, as traditional tools to fight inflation (like raising interest rates) can worsen unemployment.
In this video, we break down what stagflation means, where it comes from, and how it affects everyday life, investments, and the broader economy. 

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CPA in Los Angeles, CA

Congress has introduced the highly anticipated One, Big, Beautiful Bill which is a cornerstone of the new Trump tax plan. In this video, we break down every major provision of this proposed legislation and what it could mean for individuals, families, and businesses across the U.S.

What's included in Trump's tax new bill:

- Individual Income Tax Rate
- Standard Deduction Increase
- Expanded Child Tax Credit
- MAGA Accounts for Kids
- QBI Deduction Increase
- Estate and Gift Tax Exemption Increase
- MT Thresholds Made Permanent
- Section 179 Expensing Expansion
- 1099 Reporting Threshold Changes
- No Tax on Tips (up to $10K)
- Overtime Pay Deduction
- Car Loan Interest Deduction
- Charitable Deduction for Non-Itemizers

What’s NOT included in the new bill:

- Social Security income exclusion
- SALT deduction cap changes
- Mortgage interest deduction changes

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Thinking about investing in gold now? Learn the pros and cons of gold, gold ETFs, and gold IRAs.

In this episode, Ara Oghoorian and Matt Crisafulli from ACap Advisors & Accountants break down everything you need to know about investing in gold. From coins and bars to gold ETFs, they explore the pros and cons of gold as an investment, its role in a portfolio, tax implications, and whether it belongs in your IRA or 401(k). If you're wondering how to invest in gold or whether gold is a good investment, this video is for you.

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Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Trump tax cuts are going to be the largest in American history, and they will bring HUGE tax changes for you!

President Trump is pushing hard to pass new tax legislation this year, and it could bring major changes to how you pay taxes. Whether you're a service worker, retiree, small business owner, or someone looking to maximize your paycheck, these proposed changes will affect you.

In this episode, Ara Oghoorian explains the Trump Tax Cuts top priorities, which tax changes are coming, and who will benefit or lose from them. 

Tune in  now as your taxes may be significantly changed under Trump’s new tax cuts.

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Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA