FIN-LYT by EWA®

In this episode of EWA's FIN-LYT Podcast, Matt Blocki and Jamison Smith break down the powerful tax-saving tool known as Qualified Small Business Stock (QSBS).

Discover how small business owners can potentially avoid millions in capital gains taxes when selling their business by meeting a few key IRS criteria.

From understanding the C-Corp requirement to leveraging trusts and structuring ownership wisely, this episode provides real-life examples and practical insights for entrepreneurs, tech founders, and investors alike.

The conversation covers what QSBS is, who qualifies, strategic tax-saving approaches, potential pitfalls, and state-specific considerations. If you're a business owner planning an exit or an investor in startups, this is a must-watch!

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In this episode of FIN-LYT by EWA, Jamison Smith and Chris Pavcic demystify Roth strategies covering backdoor Roth IRAs, mega backdoor Roths, and Roth conversions, and explain why now may be the most critical time to take advantage of them.

With tax rates at historic lows and future legislation uncertain, Jamison and Chris walk through how high-income earners and retirees alike can use Roth accounts to minimize taxes, avoid costly required minimum distributions (RMDs), and create more flexible retirement income.

The conversation also explores strategic uses of employer-sponsored plans and side income to fund Roths. From tax efficiency to legacy planning, this episode is full of insights for maximizing long-term financial freedom.

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In this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith dive deep into a critical topic for entrepreneurs and professionals alike: business entity structures.

Choosing the right business structure can impact your taxes, liability protection, administrative burden, and long-term wealth-building opportunities. Matt and Jamison walk through the pros and cons of sole proprietorships, multi-member LLCs, partnerships, S Corporations, and C Corporations. Whether you're starting a new business, managing a side hustle, or preparing to sell a company, understanding these structures can help you avoid costly mistakes and maximize financial efficiency.

They break down real-world examples of when a sole proprietorship makes sense (and when it doesn’t), how LLCs provide flexible protection without unnecessary complexity, and why S Corporations might save you taxes. They also highlight when a C Corporation could be the best option.

From minimizing self-employment taxes to optimizing retirement plan contributions and preparing for an eventual exit, this episode equips you with the essential knowledge to choose (or rethink) your business entity structure based on your goals.

No matter if you're a physician with consulting income, an entrepreneur scaling a startup, or a seasoned business owner preparing for an exit, this conversation will equip you with the insights needed to build your business on the right foundation.

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

In this episode of FIN-LYT by EWA, Matt Blocki, Jamison Smith, and Jimmy Ruttenberg unpack one of the most powerful tools in estate planning: the Spousal Lifetime Access Trust (SLAT).

Designed for high-net-worth families, SLATs can preserve control, maximize tax efficiency, and safeguard generational wealth. The team breaks down how these irrevocable trusts allow couples to move significant assets out of their estate—while still retaining indirect access to those funds. They dive into why this planning strategy is especially timely, with current estate tax exemptions set to sunset in 2026, and explain how to strategically use exemptions before the law potentially changes.

From avoiding 40%+ estate taxes to navigating the complexities of control, trustee selection, and asset funding, this conversation covers the full SLAT playbook. You’ll also hear real-world examples of how clients are using these trusts to prepare the next generation - without enabling them.

Whether you’re an executive, entrepreneur, or physician with a growing estate, this episode will show you how to make intentional decisions that protect your legacy while maintaining flexibility.

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In this episode of FIN-LYT by EWA, Ben Ruttenberg explores the delicate balance between saving and spending—and why getting it wrong can lead to serious regret.Drawing on experience from working with high-net-worth clients, Ben and the team break down the psychology behind over-saving and over-spending, highlighting common mindsets like scarcity, abundance, and status comparison. They explain how upbringing and past financial trauma can shape behavior, and why many people struggle to shift gears from accumulation to enjoying their wealth.The conversation also dives into practical frameworks and tools for achieving financial equilibrium, including reverse budgeting, goal prioritization, and values-based planning. From helping clients justify spending in retirement to designing a lifestyle aligned with personal values, this episode is packed with insight for anyone looking to make intentional, regret-free financial decisions.Whether you're approaching retirement or just trying to find your balance, this episode will help you think differently about what financial success really means.

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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 team unpack the complex process of passing a business on to the next generation. With trillions pf dollars set to change hands over the coming decades, they explore why so many succession plans fail and how to do it right.From emotional hurdles and family dynamics to valuation challenges and tax strategies, Jamison shares real-world examples and planning techniques like gifting, installment sales, and family LLCs. They also offer tips for preparing children to take over and ensuring non-involved siblings are treated fairly.Whether you're a business owner or working with one, this episode provides practical insight into building a thoughtful, tax-efficient succession plan.

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In this episode of FIN-LYT by EWA, Matt Blocki is joined by Ben Ruttenberg to break down cybersecurity best practices and how to keep your finances safe in today’s digital world. They dive into the growing risks of cybercrime and identity theft, and outline how individuals and firms can proactively protect their data and assets.

The conversation focuses on the real-world steps EWA takes to safeguard client information—both at the institutional level with custodians like Fidelity, and at the personal level with tools like multi-factor authentication, secure document vaults, and cybersecurity insurance. Matt and Ben also share practical advice for everyday protection, including password management, VPN use while traveling, and how to monitor accounts for suspicious activity.

Whether you're concerned about identity theft, securing your investments, or simply looking for peace of mind, this episode provides key insights into building a stronger, safer financial strategy.

Connect with EWA ⁠

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View EWA Disclosures and Firm ADV:

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In this episode of FIN-LYT by EWA, Matt Blocki is joined by Jamison Smith and Jimmy Ruttenberg to break down estate planning and risk management strategies for high-net-worth individuals. They dive into the role of insurance in a comprehensive financial plan, covering everything from term and whole life insurance to universal life policies and long-term care riders.

The conversation focuses on the real-world impact of insurance planning—where it fits, where it fails, and how to avoid costly mistakes. They discuss common pitfalls like underfunded policies, misleading assumptions, and why many people don’t realize their coverage won’t last as long as they think. The team also explains how permanent insurance can be used strategically for tax efficiency, asset protection, and estate planning.

Whether you're evaluating your current insurance coverage or looking to optimize your financial strategy, this episode provides key insights into making smarter, more informed decisions.

Connect with EWA ⁠

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View EWA Disclosures and Firm ADV:

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In this quarterly portfolio and market update, Matt Blocki reviews EWA’s Q2 2025 portfolio positioning and provides insights on recent market volatility. Despite headline risks and geopolitical uncertainty, the portfolio maintains a risk-on stance with strategic adjustments. The equity overweight has been slightly reduced from 4% to 3%.

Key tactical moves include adding to U.S. equities, maintaining overweight positions in mega-cap tech stocks, and increasing gold exposure by 1% as a hedge against geopolitical risks and potential global trade disruptions. Fixed income strategy involves shortening duration within U.S. Treasuries and reducing ultra-long bond exposure to manage volatility.

The economic outlook remains positive with resilient consumer spending, low unemployment, and solid corporate earnings growth. However, attention is given to potential policy shifts following the 2024 U.S. presidential election, including tariff negotiations and trade policies that could impact global markets.

The update concludes with a reaffirmation of EWA’s long-term strategy, emphasizing the importance of staying invested and following a disciplined financial plan regardless of market conditions.

1. Portfolio adjustments and tactical shifts (0:29)

2. Economic outlook and market drivers (3:22)

3. Policy landscape and tariff impacts (10:18)

4. Closing remarks and strategic summary (16:06)

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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 Jamison Smith to discuss the often-overlooked downsides of wealth and how to navigate them successfully. They dive into the challenges that come with financial success, from finding purpose after selling a business to maintaining meaningful relationships as net worth grows.The conversation explores the paradox of wealth—how achieving financial independence doesn’t always lead to greater happiness. They cover the importance of diversifying personal identity beyond work, managing shifting social dynamics, and setting boundaries with generosity to avoid unintended consequences. Real client experiences highlight the emotional and psychological shifts that come with wealth, and the team shares actionable strategies to stay grounded and fulfilled.Whether you're newly wealthy or managing long-term financial success, this episode provides key insights on protecting both your financial and personal well-being.

Connect with EWA ⁠

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View EWA Disclosures and Firm ADV:

https://adviserinfo.sec.gov/firm/summary/308977