FIN-LYT by EWA®

In this episode of FIN LYT by EWA, Jamison Smith and Ben Ruttenberg break down the concept of sequence of returns risk, which refers to the potential negative impact on a retiree's portfolio caused by the order in which investment returns occur. When withdrawals are made from a portfolio during a market downturn, it can significantly reduce the portfolio's value and affect its long-term sustainabi...

In this episode of "FIN LYT" by EWA, Jamison Smith and Ben Ruttenberg delve into the world of annuities, demystifying their role in financial planning. Jamison and Ben explore what annuities are and when they make sense in a financial plan, offering insights into the benefits and drawbacks of these financial products. The episode provides an overview of annuities, likening them to the opposite of...

In this episode of the FIN LYT by EWA Podcast, Matt Blocki and Chris Pavcic dig into a detailed case study involving a recently widowed retiree in her mid-seventies with a $3 million investment portfolio. They discuss essential planning strategies for managing taxes, Medicare, and portfolio allocations during retirement. The conversation highlights the importance of proactive financial planning to...

In this episode of the FIN LYT by EWA Podcast, Matt Blocki and Jamison Smith discuss retirement planning for young couples, particularly high-income earning physicians. They examine the evolving financial landscape and the impact of inflation on retirement savings goals. The conversation emphasizes the need for a more substantial nest egg than previously assumed when clients are focusing on achiev...

1. EWA Firm  Initiatives  (00:45)2. Quarter 3 Recap  (09:52)3. Looking Ahead to Quarter 4 (14:24)4. Financial Planning (28:23)Connect with EWA ⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://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....

1. EWA Firm Initiatives (00:39)2. 2023 Q4 Recap (05:29)3. Looking Ahead Into Q1 (11:30)4. Portfolio Changes (21:00)5. Financial Planning Tips (33:57)Connect with EWA ⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://www.instagram.com/ewa.llc/⁠https://www.linkedin.com/company/equilibrium-wealth-advisors/⁠ ⁠https://www.facebook.com/EquilibriumWealthAdvisors/⁠View EWA Disclosures and Firm ADV: h...

1. Introduction  (0:09) 2. Market Summary and Update  (0:54) 3. EWA Portfolio Model and Philosophy  (16:26)   4. EWA Live Look at Portfolio  (22:47) Additional Content Available on YouTube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@FIN-LYTbyEWA?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with EWA ⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://www.instagram.com/ewa.llc/⁠https://www.linkedin....

1. Introduction (0:14)2. Market Summary and Update (0:52)   3. EWA Portfolio Model and Philosophy (14:38)  4. Wrap Up and Summary (16:32) Connect with EWA ⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://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://advi...

In this episode of the FIN LYT by EWA Podcast, Matt Blocki and Nick Stonesifer explore the best strategies for withdrawing money during retirement. They begin by examining the 4% safe withdrawal rate, detailing its background and the recent economic shifts that have affected its reliability. With interest rates and market conditions fluctuating, they discuss how retirees can adjust their withdrawa...

In this episode of the FIN LYT by EWA Podcast, Matt Blocki and Ben Ruttenberg tackle the timeless debate of term life insurance versus whole life insurance. They discuss into the pros and cons of each approach, helping listeners navigate the complex decision of choosing between term policies and permanent insurance products. The discussion provides a framework for determining life insurance needs...

In this episode of FIN LYT by EWA, Matt Blocki and Ben Ruttenberg explore the intricacies of the Secure Act 2.0. They break down the major changes introduced by this significant legislative update and discuss how it builds upon the foundations set by the original Secure Act of 2019. They focus on key provisions that are especially relevant to business owners, individuals with 529 plans, and those...

In this episode, Matt Blocki and Chris Pavcic explore anoften-overlooked aspect of retirement planning: spending your savings with confidence. As many retirees struggle with the transition from saving to spending, they discuss various strategic approaches to managing retirement distributions effectively. They dig into common retirement withdrawal strategies, such as the 4% rule, systematic withdra...

In this personal episode of FIN LYT by EWA, Matt Blocki and Ben Ruttenberg delve into one of life's most challenging experiences: preparing for the passing of a loved one. Understanding the emotional weight and complexity of this topic, they offer compassionate guidance on how to manage financial affairs before a parent or loved one passes, focusing on the crucialconversations and actions that can...

In this week's episode of FIN LYT by EWA, Matt Blocki, Jamison Smith and Ben Ruttenberg dive into a critical decision for business owners: choosing between a SEP IRA and a 401K plan for retirement savings. They begin by outlining the fundamental differences between these two popular retirement vehicles, discussing the ease of setup, contribution limits, and tax implications. Whether you're self-em...

In this episode of FIN LYT by EWA, Matt Blocki welcomes Jay Jacobs, US Head of Thematic and Active ETFs at Blackrock. Jay brings his expertise to discuss the evolving landscapeof investment opportunities pressing questions around interest rates and the structural economic factors influencing market dynamics. Jay shares his insights on the underpinnings ofinflationary pressure and the implications...

In this episode of FIN LYT by EWA, Matt Blocki and Jamison Smith explore the complexities of Medicare. This episode focuses on understanding Medicare, a crucial element of health care for individuals over 65 and those with certain disabilities. They trace Medicare's history back to its inception in 1965, discuss its evolution, and differentiate it from Medicaid. Matt and Jamison cover the basics o...

In this episode, hosts Matt Blocki and Jamison Smith discuss the world of charitable giving for high net worth and high-income earners. The discussion opens with a crucial insight: many individuals miss out on potential tax savings from charitable donations due to incorrect structuring. Matt and Jamison argue that while the intent to help is paramount, optimizing tax benefits can significantly enh...

In this episode of FIN LYT by EWA, Matt Blocki, Jamison Smith, and Chris Pavcic break down the world of student loans. Student loans are a topic that touch the lives of many, from anxious parents planning their child's education to graduates burdened with loan repayments. Matt, Chris and Jamison split the conversation into two critical areas: strategic advice for parents navigating the funding of...

pending Additional Content Available on YouTube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@FIN-LYTbyEWA?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with EWA ⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://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://advis...

In this episode of FIN LYT by EWA, Matt Blocki and Jamison Smith dive into a complex and often misunderstood topic: navigating the challenges of being significantly wealthier than most of your loved ones. Many believe that accumulating more money leads to greater happiness, but as Matt and Jamison discuss, this isn't always the case. Achieving financial success can sometimes strain relationships,...

In this special episode of FIN LYT by EWA, Matt Blocki and Chris Pavcic engage in a conversation with two long time clients, both in the medical field, revealing the intricacies of navigating life's financial and personal challenges. The clients, a surgeon and an occupational therapist, respectively, share their journey from accumulating substantial educational debt to making life-altering decisio...

In this episode of FIN-LYT by EWA, Matt Blocki and Jamison Smith discuss how individuals with highly concentrated stock positions can take proactive steps to protect themselves. Concentrated stocks are more common than ever, with many individuals finding a significant portion of their net worth tied to company stock, whether through executive compensation packages in tech and manufacturing sectors...

In this episode of the FIN-LYT by EWA, Matt Blocki, Jamison Smith, and Ben Ruttenberg discuss various types of private investments and their complexities. The realm of private investing has become increasingly accessible to high-net-worth individuals, and it is critically important to do proper due diligence and understand the nuances of these investments. Matt, Jamison, and Ben dissect the three...

In this episode of FIN LYT by EWA, hosts Matt Blocki, Ben Ruttenberg, and Chris Pavcic dive into the intricacies of trusts, estate planning, and tax efficiency. They provide valuable insights into the distinctions between revocable and irrevocable trusts and the critical role they play in safeguarding one's financial legacy. They discuss the benefits of revocable trusts, highlighting their ben...

In this special episode of FIN LYT by EWA, Matt Blocki welcomes his lifelong friend, client, and accomplished business owner, Matt White. In this deeply engaging conversation, they delve into Matt White's transformative journey from a finance enthusiast to a technology entrepreneur behind TSI Video, a leader in onboard video surveillance solutions for public transit across North America. Disco...