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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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.

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In this episode of FIN-LYT by EWA, Matt Blocki is joined by Jimmy Ruttenberg and Allison Quatchak, who recently joined the EWA team to bring risk management in-house and provide the best service available for clients. They dive into Risk Management 101, breaking down why EWA made this move, how it fits into a comprehensive financial plan, and what clients need to know when reviewing their coverage.

The conversation covers the key factors in assessing risk management needs, common mistakes that leave families exposed, and how the underwriting process really works—from medical exams to financial assessments. With real stories of families who benefited from proper planning—and those who faced hardship without it—this episode highlights why risk management isn’t just about protection, but a critical part of long-term financial security.

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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 and Chris Pavcic explore how financial planning goes beyond spreadsheets to help clients design a fulfilling life.

They cover key wealth strategies for high-net-worth individuals, including preparing for a business sale, structuring trusts, tax-efficient charitable giving, and asset protection for physicians. The discussion also dives into managing concentrated stock as an executive and weighing the pros and cons of owning a vacation home.

From proactive tax planning to designing a life with purpose, this episode highlights the importance of financial decisions that go beyond just numbers.

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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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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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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.

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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.

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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 dives into a real-life case study of a high-income couple with a $4.5 million net worth. He discusses 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.

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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.The discussion highlights actionable strategies, such as choosing the right funding mechanisms, tax-efficient planning for buyouts, and aligning agreements with long-term business goals. They also explore real-world examples, emphasizing how a well-crafted buy-sell agreement can prevent conflicts, preserve value, and provide peace of mind for all parties involved. Whether you’re a business owner or an advisor, this episode is packed with practical advice to help you navigate this essential aspect of business planning.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