In 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 for retirement or just looking to maximize your investments, this episode offers valuable insights into building long-term financial security, optimizing cash flow, and making your wealth work for you—no matter your portfolio size.

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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, 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.

The episode also touches on common tax filing mistakes, strategies to avoid IRS scrutiny, and how business owners and individuals alike can optimize their tax filings.

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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 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.

The conversation also touches on strategies for gradually liquidating properties to optimize tax efficiency, the pros and cons of selling in bulk versus individually, and the role of real estate in generational wealth planning. Whether you’re considering an exit or just want to make smarter decisions with your portfolio, this episode provides valuable insights to help you navigate the process.

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, 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 long-term goals. You'll also hear tips on vetting potential advisors, understanding fee structures, and identifying red flags during the transition process.

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, 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 long-term goals.

Whether you're a high-income earner or seeking advanced financial planning insights, this episode is packed with actionable advice to help you make the most of your financial future.

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, 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.

In 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.

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.

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 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.

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.

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