In this episode, President and Senior Financial Planner Paul L. Moffat is joined by Director of Financial Planning Jordan Naffa to explore bonds and fixed income strategies, and how investors can use them to manage volatility, generate income, and reduce taxes. While equities often dominate investment conversations, Paul and Jordan highlight the significant role fixed income plays for institutions, foundations, and high-net-worth investors focused on preservation and stability.

They discuss how proper bond placement across taxable, tax-deferred, and tax-free accounts can improve after-tax outcomes, along with strategies for managing high-income years. The conversation also covers municipal bonds, tax equivalent yields, and deferral techniques that allow investors to maintain income while controlling adjusted gross income. This episode provides a practical framework for understanding how bonds fit into a well-structured and tax-aware portfolio.

In this episode:
 ● Why bonds play a critical role in income-focused portfolios
 ● How tax efficiency impacts bond placement decisions
 ● Strategies to manage high-income years using fixed-income tools
 ● The benefits and tradeoffs of municipal bonds
 ● Understanding tax equivalent yield and its importance
 ● How tax-deferred accounts can reduce income volatility
 ● Aligning fixed income strategies with long-term financial goals

The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: please seek advice from a licensed professional.

Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

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