FIN-LYT by EWA®

In 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 essential insights into healthcare planning, including strategies to manage your modified adjusted gross income (MAGI) to minimize Medicare surcharges. They discuss the concept of Advantage Plans and why they might not be the best choice for everyone.

Whether you're approaching retirement or just want to gain a better understanding of Medicare and healthcare planning, this episode offers practical advice and essential knowledge to help you make informed healthcare and financial decisions.  

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In 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

Kris and Jamison discuss how the college admissions process has changed in response to increased competition, surges in applications, more complex selection processes and the impact of the Common Application (Common App). In addition, they discuss how parent and students can begin preparing for the process including gathering transcripts, listing academic honors, documenting extracurricular activities, and crafting compelling essays.

Listen in to gain valuable insights into financial aid through FAFSA, the importance of actively seeking scholarships, prioritizing passion over earning potential when choosing a major, engaging in active learning and more!

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In 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 vesting schedules that make it difficult for them to leave before the equity fully vests. They highlight how this practice aligns employee compensation with the company's success and can be a solution for companies with limited liquidity to offer cash salaries. Matt and Jamison also explore the intricacies of RSUs, non-qualified stock options, incentive stock options, and employee stock purchase plans, breaking down the tax implications and strategies for maximizing the benefits. If you are seeking guidance and valuable tips for planning and optimizing equity compensation, this episode provides essential insights to navigate these topics with confidence and clarity.

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In this episode of FIN-LYT by EWA, Matt Blocki and Ben Ruttenberg dive into the world of 401(k) retirement plans,

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In 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

Tune in to learn the ins and outs of the Mega Backdoor Roth,

In 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

In 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 to determine the right financial professional relationship based on your unique needs and lifestyle.

In 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.

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 meet your goal to live your life by design, tune in to this episode for all the answers you've been seeking.

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In 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 family's future. Physicians often sign contracts with institutions where they trained, creating personal ties that make negotiations uncomfortable. Decision fatigue can also cloud judgment after years of hard work and the want to finally receive their first “Attending paycheck”. Whether you're a new physician or a tenured professional renegotiating, this episode offers invaluable insights into why contract negotiation is essential to securing your financial future.

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