Most investors dread market downturns, but what if you could turn losses into long-term gains? There’s a smart, often underutilized strategy that allows you to do just that. It’s called tax-loss harvesting, and when used correctly, it can be a powerful way to reduce taxes and stay invested, even in bear markets. In this episode, Ryan, Ron and Nick break down how tax-loss harvesting works, when to use it, what pitfalls to avoid, and why this strategy is especially crucial in non-retirement accounts. 

Here’s what we cover in this episode: 

🧾 Turn downturns into tax breaks

🛑 Avoid the “wash sale” trap

🧠 Stay invested, skip the panic

🏗 Build your tax-loss piggy bank

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

When markets shake and headlines scream uncertainty, many investors begin eyeing “safe haven” assets, and gold is often top of the list. But is it actually a smart place to put your money, or is it just a shiny distraction? In this episode, Ryan, Ron and Nick unpack the real story behind gold’s rising popularity and long-standing myths. Before jumping on the bandwagon, this episode helps you ask the right questions: What does gold really do for your portfolio, and is now the right time?

Here’s what we cover in this episode: 

💰 Why gold is surging and what’s behind the hype

🌍 How global politics (and China) are reshaping gold demand

🤯 Why gold may feel safe but isn’t always smart

📉 What behavioral traps investors fall into with gold

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Indexed annuities are often sold as a win-win: stock market gains without the downside. But is that really true? In this episode, Ryan, Ron, and Nick will dig into this retirement income tool to explain how indexed annuities actually work, how they’re marketed, and why the numbers tell a very different story. 

You’ll learn about caps, buffers, fees, and the hidden costs that limit growth -- and why many indexed annuities end up performing more like bonds, without the same liquidity. 

Here’s some of what we discuss in this episode:

📊 Index annuities vs. stocks and bonds — the real return numbers

🧩 Why “no downside risk” doesn’t mean no risk

⚠️ Hidden costs that eat into your annuity growth

📉 How caps and buffers limit your potential upside

💡 When annuities can make sense — and when they likely don’t

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Markets are bouncing, headlines are loud, and many investors are wondering how much more volatility is coming. In this episode, Ryan, Ron and Nick explain what’s driving the latest market volatility, specifically the renewed wave of aggressive tariffs, and how investors can respond without falling into reaction mode.

Here’s what we cover in this episode: 

📉 What triggered the latest market drop

🌐 How tariffs impact global trade and inflation

🐻 Bear market averages, recoveries, and what to expect

🔁 Why market timing often backfires

📊 How smart portfolios rebalance through volatility

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

When you’re searching for a financial advisor, one of the biggest decisions you’ll face is what type of relationship you want to have with them. Ryan, Ron, and Nick break down the key differences between two popular models: the hourly or flat-fee planning model versus the ongoing, comprehensive advisory model. By understanding the differences between these models, you can make an informed decision that aligns with your financial goals and preferences.

Here’s what we cover in this episode: 

🧠 Hourly planning works well for DIY investors with specific needs
 💬 Ongoing advice fits best for people with complex or evolving goals
 ⚠️ Be cautious of fee surprises and limited follow-through in hourly models
 📊 AUM-based fees often include proactive planning and implementation
 🛠️ The right model depends on your goals, complexity, and how hands-on you want to be

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Is hiring a financial advisor really worth it, or can you manage your investments on your own? Many DIY investors feel confident in their abilities, but are they overlooking anything? In this episode, Ryan is joined by Ron and Nick to break down the real value of a competent financial advisor and the misconceptions about their role.

Here’s what we cover in this episode: 

💰 More Than Just Stock Picking – Why advisors add value beyond the market

📊 Asset Allocation & Cost Efficiency – The hidden factors that boost returns

📉 Behavioral Coaching & Market Volatility – Avoid emotional investing mistakes

🧾 Tax-Efficient Investing & Withdrawal Strategies – Keep more of your money

0:00 – Intro 

1:50 – A big misconception

3:56 – Things you can control

8:22 – Asset allocation

11:06 – Where advisors add value

20:41 – Withdrawal strategies

24:38 – Importance of planning

31:14 – Behavioral coach

36:38 – Final Takeaway

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Successful investing is often achieved by keeping a long-term view and building strategies that match that time horizon. As we look ahead at the decade to come, is your portfolio in a position to thrive or dive? In this video, Ryan is joined again by Ron and Nick to talk about expected returns over the next 10 years and how we evaluate different asset classes for our clients. 

We’re going to discuss the importance of understanding market outlooks, the calculation of expected returns for various asset classes, and how these insights can influence strategic asset allocation. With a focus on bonds, stocks, and emerging markets, this show will help set realistic expectations for investors and the methodologies used to derive these projections. Tune in for valuable insights that can help shape your investment decisions over the next decade!

Here’s what we cover in this episode: 

0:00 – Intro 

1:13 – What’s important with outlooks?

5:20 – Expected returns

9:19 – Research 

13:53 – Projections 

16:33 – Asset classes

22:55 – Designing a portfolio

29:41 – Working with clients

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

It’s been a busy six weeks to start 2025 but few things have gotten the attention of investors as tariffs. The opinions about the effectiveness of tariffs are wide-ranging so we’re going to take both sides of the argument today on our roundtable discussion.

Ron Wyatt, CFP®, CIMA®, CPWA® takes the role of pro-tariff while Nick Lewandowski, CFA®, CFP® argues from the anti-tariff perspective. This dynamic setup allows for a balanced exploration of the implications tariffs have on the economy, consumer prices, and national security.

Here’s what we cover in this episode: 

0:00 – Intro 

1:57 – What are tariffs and why use them?

2:22 – Why they’re good

4:05 – Why they’re bad

6:48 – Political tool

7:57 – Taxes 

9:10 – Impact on the market

12:30 – Tariffs impacting tech stocks?

14:26 – Bond markets

16:48 – Our investment strategy

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

When you work with Wyze Wealth Advisors, you get access to our proprietary stock strategy that we’ve managed in-house for over a decade. Ryan is joined by Ron Wyatt, CFP®, CIMA®, CPWA® and Nick Lewandowski, CFA®, CFP® to unpack the philosophy and mechanics behind Wyze Design Direct. 

Discover the driving factors behind higher expected returns, including profitability and valuation, and how this proprietary approach aims to deliver superior risk-adjusted returns for clients.

Here’s what we cover in this episode: 

0:00 – Intro 

1:01 – How this was developed

6:48 – Building the portfolio

12:17 – Risk 

15:02 – What makes it proprietary?

21:47 – Drawbacks and risks

26:49 – Taxes and fees

29:05 – How does this compare

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

As people approach retirement, they look for more conservative investment options since safety typically becomes the priority over growth. While there are multiple ways to achieve that outcome, the choice that many retirees and pre-retirees navigate toward for safety is bonds.

But bonds may be riskier than you think and today we’re going to break down the intricacies of bonds and how they are best used within a retirement portfolio.

Here’s what we cover in this episode: 

0:00 – Intro 

1:01 – What are bonds?

2:52 – Why invest?

5:10 – Types of issuers

9:23 – Interest rate risk 

18:26 – Why duration matters

19:35 – Crafting a bond portfolio

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H