FIN-LYT by EWA®

In 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 plan rules.

If you’re looking to start 2025 with a strong financial plan, this episode offers practical insights to help you stay on track.

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In 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 the innovative steps EWA is taking to eliminate common frustrations, such as missed documents or reactive tax filing.From sharing lighthearted stories about golf and career decisions to unpacking the unique value of EWA's all-in-one approach, this episode provides valuable insights for clients seeking a more streamlined and strategic approach to tax and financial planning. Don't miss this opportunity to hear how Tyler’s expertise will benefit EWA clients.Connect with EWA ⁠https://ewa-llc.com/⁠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:

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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 the challenges of managing tenants or maintenance.

Whether you’re looking to optimize your business’s financial strategy or weigh the benefits of property ownership, this episode delivers actionable insights to guide your decision-making.

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In 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 firms like BlackRock, offering safer investment avenues for cautious investors.

While encouraging financial prudence, they outline strategies for participating in crypto markets responsibly—such as keeping allocations minimal and ensuring other financial goals are secured.

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In 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 shifts. International market risks, inflation concerns, and emerging trends in U.S. markets are covered, emphasizing the importance of staying diversified. Throughout, Matt and Jamison encourage listeners to remain focused on long-term goals and proactive financial planning, regardless of political changes.

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View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977

In 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 portfolio positioning, including a continued tilt toward growth stocks and an emphasis on flexibility to adapt to evolving economic conditions.

1. Introduction (0:04)

2. Portfolio Adjustments and Market Commentary (0:40)

3. Economic Outlook and Supporting Data (2:17)

4. Focus on Specific Asset Classes: Equities, Bonds, and Gold (6:54)

5. Closing Remarks and Strategy Summary (8:42)

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View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977

In this episode of FIN-LYT by EWA, Jamison Smith and the Matt Blocki discuss the critical timing and considerations for refinancing your mortgage. They explore scenarios where refinancing makes financial sense, especially if rates drop by 50-100 basis points. By examining examples of cost savings over time, they highlight the potential benefits of refinancing or using a home equity installment loan, weighing factors like closing costs and projected future moves.Listeners gain insights into breaking even on refinancing costs, when to consider refinancing from adjustable to fixed rates, and leveraging home equity loans for flexibility as rates shift. With a focus on practical calculations and long-term savings, this episode provides listeners with actionable steps to make informed mortgage refinancing decisions.

Connect with EWA ⁠https://ewa-llc.com/⁠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

In 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 approach their new circumstances with greater confidence and stability.Connect with EWA ⁠https://ewa-llc.com/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

In this episode of FIN-LYT by EWA, Matt Blocki and the team 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.They 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 that financial decisions are thoughtfully aligned.

By creating a strong financial plan early on, couples can reduce future stress and build a secure, cohesive financial future together.Connect with EWA ⁠https://ewa-llc.com/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:

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In this episode of FIN-LYT by EWA, Matt Blocki discusses key financial strategies for new parents, focusing on how to manage the increased costs of raising children and ensuring long-term financial stability. He covers 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. He encourages listeners to create a solid financial plan to minimize stress and enjoy parenthood.Connect with EWA ⁠https://ewa-llc.com/

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