The Wealth Cafe

What financial conversation have you been avoiding? In this Halloween-themed episode of The Wealth Cafe, we explore five common financial fears that can quietly shape your future.


What we’ll cover:

✅ Why avoiding financial decisions still allows them to shape your future

✅ How an unsigned or outdated estate plan can undermine your intentions

✅ Why preparing adult children for wealth matters as much as the legal structure

✅ The hidden risks of ignoring old 401(k)s, inherited IRAs, and other accounts

✅ Questions to ask when your advisor relationship no longer feels like the right fit


If you haven’t already, we encourage you to meet with your financial team ASAP to discuss the financial fears that are keeping you up at night! If there are any specific things you're thinking about or questions you may have, make sure to drop them in the comments below.

👍 For more tips and advice like this, hit ‘subscribe'

🔍INSTAGRAM: / / https://www.instagram.com/tanisfingroup/
LINKEDIN: / / https://www.linkedin.com/in/caroline-tanis/
PODCAST: / / https://podcasts.apple.com/us/podcast/the-wealth-cafe/id1831982850
BLOG: / / https://tanisfingroup.com/blog/

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{Replay} High income doesn’t always mean you have to skip a Roth contribution. This episode of The Wealth Cafe explains how a backdoor Roth works, including the required two-step process: contributing to a traditional IRA and moving the funds into a Roth IRA.

The discussion covers important rules and potential pitfalls, including existing rollover, SEP, SIMPLE, and other traditional IRA accounts; contribution limits; recordkeeping; tax-year deadlines; completing the conversion; and investing the funds afterward. A backdoor Roth can be useful in the right situation, but determining whether it fits your financial plan requires coordination with your financial advisor and tax professional.

What we’ll cover:

✅ How a Backdoor Roth IRA works.

✅ Rules & restrictions to be aware of.

✅ Common mistakes to avoid.

✅ Importance of recordkeeping and contribution limits.

If you’re someone who has been missing out on contributing to a Roth IRA, then this effective strategy could be perfect for you. We’d recommend working with your financial team to see if this strategy works for you within your specific financial plan.

☕️For more tips and advice, make sure to subscribe to the show so you don't miss an episode!

🔍INSTAGRAM:  /  / https://www.instagram.com/tanisfingroup/  

LINKEDIN:  /  / https://www.linkedin.com/in/caroline-tanis/ 

YOUTUBE:  /  / https://www.youtube.com/channel/UCHxRZmUZwZVHD4ihCu2iK-w 

BLOG:  /  / https://tanisfingroup.com/blog/ 

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Tax-loss harvesting can turn underperforming investments into a valuable tax-planning opportunity—but timing, account coordination, and the wash-sale rule all matter. In this episode, we discuss how investors can use realized losses to offset capital gains, potentially reduce federal taxes, and improve the long-term tax efficiency of a taxable portfolio.

What we’ll cover:
✅ How capital losses offset capital gains dollar for dollar
✅ Why excess losses may be carried forward to future tax years
✅ Why taxable accounts and IRAs must be reviewed together
✅ How replacement securities can help maintain market exposure
✅ Why October is an important month for year-end tax planning

If you haven’t already, we encourage you to meet with your financial team ASAP to year-end tax planning! If there are any specific things you're thinking about or questions you may have, make sure to drop them in the comments below.

👍 For more tips and advice like this, hit ‘subscribe'

🔍INSTAGRAM: / / https://www.instagram.com/tanisfingroup/
LINKEDIN: / / https://www.linkedin.com/in/caroline-tanis/
PODCAST: / / https://podcasts.apple.com/us/podcast/the-wealth-cafe/id1831982850
BLOG: / / https://tanisfingroup.com/blog/
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Website: https://tanisfingroup.com/ 
Email: [email protected]

#TaxLossHarvesting #CapitalGainsTax #TaxPlanning #InvestmentStrategy #WealthManagement #HighNetWorth #DirectIndexing #FinancialPlanning #PortfolioManagement #WashSaleRule #YearEndTaxPlanning #TheWealthCafe

For nearly a decade, high earners in high-tax states were limited by the $10,000 SALT deduction cap. Now, the One Big Beautiful Bill Act has temporarily increased the cap, creating a valuable planning window for taxpayers who itemize deductions and have meaningful state and local tax exposure.

In this episode we’ll break down what the new SALT deduction cap means for high-earning women, business owners, and families in states like New Jersey, New York, and California — including who benefits, who may be phased out, and what planning strategies to discuss with your CPA before year-end.

What’s Covered
✅ How the SALT deduction cap changed from $10,000 to $40,400 for 2026
✅ Who is most likely to benefit from the higher SALT deduction cap
✅ Why capital gains, bonuses, RSUs, and investment income can reduce the benefit
✅ How to determine whether itemizing deductions makes sense for your household
✅ Three action steps to take with your accountant before year-end

If you haven’t already, we encourage you to meet with your financial team ASAP to learn more about the new SALT Deduction Increase! If there are any specific things you're thinking about or questions you may have, make sure to drop them in the comments below. 

👍 For more tips and advice like this, hit ‘subscribe' 
🔍INSTAGRAM: / /    / tanisfingroup   
LINKEDIN: / /    / caroline-tanis   
PODCAST: / / https://podcasts.apple.com/us/podcast... 
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#SALTdeduction #TaxPlanning #HighEarners #WomenAndWealth #FinancialPlanning #WealthCafe #NewJerseyTaxes #NewYorkTaxes #PTET #BusinessOwnerTaxStrategy #ItemizedDeductions #TaxStrategy #WealthManagement

In this episode of The Wealth Café, we break down what the new children’s savings accounts are, who can open them, who can contribute, how the federal $1,000 seed contribution works for eligible children, and how these accounts compare to 529 plans. You’ll also learn how they may fit into broader gifting, estate planning, and wealth transfer conversations—especially for parents and grandparents thinking intentionally about the next generation.

What we’ll cover: 
✅ The $1,000 federal seed contribution for eligible children
✅ Children’s savings accounts vs. 529 plans
✅ Who can open and contribute to the new children’s savings account
✅ Annual contribution limits and employer contributions
✅ How the account grows and what happens at age 18

If you haven’t already, we encourage you to meet with your financial team ASAP to find out if the new Children’s Savings Plan is right for your family! If there are any specific things you're thinking about or questions you may have, make sure to drop them in the comments below. 

👍 For more tips and advice like this, hit ‘subscribe' 

🔍INSTAGRAM: / /    / tanisfingroup   
LINKEDIN: / /    / caroline-tanis   
PODCAST: / / https://podcasts.apple.com/us/podcast... 
BLOG: / / https://tanisfingroup.com/blog/ 

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Website: https://tanisfingroup.com/ 
Email: [email protected] 

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Fall always delivers delicious pumpkin spice and everything nice, but the changing of the seasons also brings some advantageous financial opportunities. Namely, what we at The Wealth Cafe call the Roth Conversion Sweet Spot. In this special episode, we help affluent women like you better understand how converting money from traditional IRAs or 401(k)s into Roth IRAs can create future tax-free income and reduce RMDs. This episode is all about helping you avoid the common mistakes many retirees make when building tax-free wealth for themselves and their heirs. So, sit back, relax, and get ready for actionable insights you can implement immediately to make informed decisions before year’s end and beyond!

What we’ll cover:

✅ Roth conversions & how they work.

✅ How Roth conversions can affect your tax bracket. 

✅ The retirement "conversion corridor" explained.

✅ Strategies for reducing future RMDs. 

If you haven’t already, we encourage you to meet with your financial team ASAP, so that you can design a framework to implement a well-planned Roth conversion to help you potentially save thousands in future taxes! 

☕️For more tips and advice, make sure to subscribe to the show so you don't miss an episode!

🔍INSTAGRAM:  /  / https://www.instagram.com/tanisfingroup/  

LINKEDIN:  /  / https://www.linkedin.com/in/caroline-tanis/ 

YOUTUBE:  /  / https://www.youtube.com/channel/UCHxRZmUZwZVHD4ihCu2iK-w 

BLOG:  /  / https://tanisfingroup.com/blog/ 

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Market volatility scares even the savviest investors. In our ever-changing economic climate, it’s not uncommon to see people act irrationally due to anxiety when the markets start to go haywire. Sadly, volatility is out of your control, but what you do during times of volatility is completely in your control. On this one-of-a-kind episode of The Wealth Cafe, we are going to help alleviate stress by providing a powerful framework for affluent women, like yourself, to navigate stock market uncertainty with confidence and grace. After this episode, you should be able to leave your seat knowing that all your long-term goals can be achieved and all costly decisions can be avoided!

What we’ll cover:
✅ Managing investment anxiety during market volatility.
✅ Importance of liquidity & cash reserves. 
✅ How to avoid panic selling.
✅ The value of working with a trusted financial advisor. 

As always, we encourage you to speak with your financial team about any market-related anxiety you feel, so they can help devise a plan of action to put your mind at ease. From building out investment frameworks to implementing purpose-driven strategies, you have full control over your financial future—you just need the right roadmap in place to secure it!

☕️For more tips and advice, make sure to subscribe to the show so you don't miss an episode!

🔍INSTAGRAM:  /  / https://www.instagram.com/tanisfingroup/  

LINKEDIN:  /  / https://www.linkedin.com/in/caroline-tanis/ 

YOUTUBE:  /  / https://www.youtube.com/channel/UCHxRZmUZwZVHD4ihCu2iK-w 

BLOG:  /  / https://tanisfingroup.com/blog/ 

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Website: https://tanisfingroup.com/  

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For many affluent woman investors out there, tax season can be a bear because of the significant amount of money owed to the government by year’s end. Due to strong market performance in recent years and people’s affinity to hold concentrated stock positions, capital gains exposure is a real risk for even some of the savviest investors out there. For many women, capital gains taxes may be the biggest burden of 2026 and in the entirety of their financial lives. So, if you’re someone sitting on SIGNIFICANT unrealized investment gains, we highly encourage you to tune in for this episode.

What we’ll cover:
✅ Why understanding capital gains taxes is more important than ever.
✅ Tax-loss harvesting strategies. 
✅ Key actions to take before EOY.
✅ The real-life impacts of poor planning. 

No matter what your stage in life, if you consider yourself a savvy investor, properly planning for this is more important than ever. This could ultimately help you keep your money where it belongs; IN YOUR WALLET. We encourage you to meet with your financial team as soon as possible, so that you can put yourself and your investments in the best position now and in the future!

☕️For more tips and advice, make sure to subscribe to the show so you don't miss an episode!

🔍INSTAGRAM:  /  / https://www.instagram.com/tanisfingroup/  

LINKEDIN:  /  / https://www.linkedin.com/in/caroline-tanis/ 

YOUTUBE:  /  / https://www.youtube.com/channel/UCHxRZmUZwZVHD4ihCu2iK-w 

BLOG:  /  / https://tanisfingroup.com/blog/ 

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Website: https://tanisfingroup.com/  

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BACK AND BETTER THAN EVER! On the Season 3 premiere of The Wealth Cafe, we provide an in-depth look at why September is the most important month of the year for financial planning. This episode is a MUST listen if you’re a high-net-worth individual looking for insights into maximizing market gains, saving on taxes, passing on wealth, and much more. So, fill up that mug, cup, or glass and get all your year-end questions answered, so you’re prepared to make decisions that could impact you up to and through 2027! 

What we’ll cover:

✅ Three of the most important questions to ask your financial team.

✅ Important year-end deadlines. 

✅ How to evaluate your 2026 income & tax situation.

✅ Planning strategies & considerations to maximize the rest of 2026. 

No matter your situation, connecting with your financial team and discussing your year-end financial goals is the best path forward to ensure that you’re as prepared as possible to take advantage of the rest of 2026. The best financial outcomes often come from strategies implemented prior to the end of the year. 

☕️For more tips and advice, make sure to subscribe to the show so you don't miss an episode!

🔍INSTAGRAM:  /  / https://www.instagram.com/tanisfingroup/  

LINKEDIN:  /  / https://www.linkedin.com/in/caroline-tanis/ 

YOUTUBE:  /  / https://www.youtube.com/channel/UCHxRZmUZwZVHD4ihCu2iK-w 

BLOG:  /  / https://tanisfingroup.com/blog/ 

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Website: https://tanisfingroup.com/  

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Motherhood is still one of the hardest jobs out there. Trying to balance a career and home life, especially for new moms, can be almost impossible these days. That’s why we invited the one-and-only Courtney Cecil, Founder & CEO of the Working Moms Movement, for a sit down to provide information and insights on how she helps women who feel stretched thin, overwhelmed, or stuck in the mud reclaim their well-being. So, if you’re a woman who’s feeling exhausted and is carrying the weight of the world on her shoulders, this Coffee Conversation is exactly what you needed!   

🎯 What You’ll Learn:

✅ How to prioritize health, wellness & personal goals. 

✅ The powerful 3W Framework. 

✅ Why working moms feel overwhelmed.

✅ Practical strategies for improving work-life balance.  

✅ Mindsets that allow woman to thrive in all aspects of their lives. 

Whether you’re a working mom, woman in the C-suite, and/or someone who just wants to align their life goals with variables, such as finances, intellectual stimulation, relationships, and more, it’s all about mindset. Having the right team of people in your corner personally and professionally is a great place to start, then finding ways to invest in yourself will help put you on a path towards sustained success!   

🔗CONNECT WITH COURTNEY

Website: https://www.workingmomsmovement.com/        

LinkedIn: https://www.linkedin.com/in/courtneyca/     

Working Moms Movement Instagram: https://www.instagram.com/workingmomsmovement/    

The Life Management System™ Instagram: https://www.instagram.com/lifemanagementsystem/    

Facebook: https://www.facebook.com/workingmomsmovement/

Podcast: https://podcasts.apple.com/us/podcast/the-life-management-system-a-podcast-for-working-moms/id1762298645 

☕️For more tips and advice, make sure to subscribe to the show so you don't miss an episode!

🔍INSTAGRAM:  /  / https://www.instagram.com/tanisfingroup/  

LINKEDIN:  /  / https://www.linkedin.com/in/caroline-tanis/ 

YOUTUBE:  /  / https://www.youtube.com/channel/UCHxRZmUZwZVHD4ihCu2iK-w 

BLOG:  /  / https://tanisfingroup.com/blog/ 

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🔗CONNECT

Website: https://tanisfingroup.com/  

Email: [email protected]