In this episode of EWA’s FIN-LYT Podcast, Jimmy Ruttenberg, Jamison Smith, and Drew Deimel dive into one of the biggest financial shifts happening today: the massive transfer of wealth driven by business sales and generational change. With most U.S. wealth now held by those over 65, the decisions business owners make before, during, and after an exit have never mattered more.
The conversation explores what really happens when a founder sells their business. From the emotional whiplash of stepping away from something you built to navigating employment contracts, lifestyle changes, and newfound financial freedom, the team shares real world insights from decades of working with business owners through these transitions.
They also unpack the risks that follow a liquidity event, including lifestyle creep, overcomplicated investments, and poor communication with family. You’ll hear practical guidance on aligning spending with values, building a strong advisory team, planning for estate and tax efficiency, and preparing the next generation so wealth becomes a benefit, not a burden.
If you’re a business owner thinking about an exit, recently sold a company, or want to understand how generational wealth is built and protected, this episode offers clear perspective and thoughtful frameworks. Be sure to like and subscribe for weekly conversations that help you make smarter financial decisions and design a life aligned with what matters most.
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In this episode of EWA’s FIN-LYT Podcast, Matt Blocki is joined by Tyler Bidwell for a deep dive into the evolution of EWA Tax Services and what it really looks like when tax planning is fully integrated inside a wealth management firm. Reflecting on year one and looking ahead to the 2025 tax season, they unpack the wins, lessons learned, and strategic upgrades designed to dramatically improve the client experience.
Matt and Tyler discuss why embedding tax professionals within a wealth advisory practice creates massive efficiencies, from eliminating redundant client homework to proactively anticipating tax issues long before filing deadlines. Drawing on Tyler’s 15 years in traditional public accounting, they compare the old CPA model to EWA’s integrated approach where advisors, tax professionals, and planning teams work from the same playbook with the client firmly at the center.
The conversation highlights how proactive planning, detailed advisor notes, signed powers of attorney, and shared systems eliminate the frustrating back and forth clients often experience between CPAs and advisors. They also introduce EWA’s new technology partner, Stanford Tax, explaining how customized document checklists, automated tracking, and enhanced cybersecurity will save clients time, reduce stress, and streamline the entire tax process.
Matt and Tyler close by sharing what excites them most about year two, including a growing tax team, stronger processes, and a firm-wide commitment to operating as “one ship” all moving in the same direction to serve clients better. This episode offers a behind-the-scenes look at how thoughtful systems, collaboration, and philosophy can transform one of the most stressful parts of financial life into a smoother, more proactive experience.
Join us each week as we share insights to help you align your wealth with the life you want to live.
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In this episode of EWA’s FIN-LYT Podcast, Jamison Smith and Matt Blocki explore the psychology behind “When Enough Moves” and why high achievers often struggle to feel financially satisfied, no matter how much wealth they accumulate. Drawing from nearly two decades of advising experience, they break down how identity, stress, purpose, and social comparison all contribute to the ever-shifting net worth goalpost.
Jamison and Matt share real client stories that reveal the hedonic treadmill at work, from business owners whose net worth goals jump from $3 million to $100 million to retirees who have more than enough but still struggle to give themselves permission to enjoy what they have built. They explain how wealth can amplify both fulfillment and anxiety, and why, without a clear philosophy, emotional discipline, and purpose driven intentions, accumulating more money can actually decrease life satisfaction.
The conversation highlights the difference between healthy growth and toxic goal-chasing, offering practical frameworks such as values exercises, the life wheel, and defining “minimum, ideal, and stretch” lifestyle targets. They unpack the dangers of comparison, the importance of emotional risk management, and why true wealth is less about the balance sheet and more about autonomy, alignment, and peace of mind.
Join us each week as we share insights to help you align your wealth with the life you want to live.
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In this episode of EWA's FIN-LYT Podcast, Ben Ruttenberg and Chris Pavcic explore what truly determines long term financial independence for high achievers. They explain why headline net worth is not enough and how liquidity, concentration, and debt can either support or strain your plan when markets shift or your business faces a setback.
Ben and Chris walk through why wealth is often created through concentration in a business, a single stock, or real estate, yet preserved through intentional diversification and accessible reserves. They share practical guardrails you can apply right away including building a personal liquidity buffer, preventing any one asset from dominating your net worth, and sizing real estate so it strengthens rather than limits your financial strategy.
You will also hear a discussion on the emotional side of managing wealth. This includes the challenge of trimming concentrated winners, the benefits of stealth wealth and reverse budgeting, and how lines of credit secured by investment accounts can create flexibility without forcing sales at the wrong time. They outline helpful benchmarks such as keeping 5% to 10% in true liquidity, keeping your primary residence near or below 20% of net worth, total real estate near or below 40%, and maintaining personal debt near or below 15%.
Whether you are a business owner, an executive with significant equity compensation, or an investor with meaningful real estate holdings, this episode offers a clear framework to create a simple and resilient balance sheet. Join us each week as we share insights to help you align your wealth with the life you want to live.
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In this episode of EWA’s FIN-LYT Podcast, Matt Blocki and Chris Pavcic talk through one of life’s most difficult transitions: navigating finances after the loss of a loved one. They explain how grief, stress, and decision fatigue can make even simple financial tasks overwhelming, especially when the spouse who passed was the one managing the family’s money. Matt and Chris outline the key steps couples can take in advance. From consolidating accounts to updating beneficiaries and estate documents. All to make the transition smoother and avoid probate, tax surprises, and unnecessary complexity.
They also walk through what to do if no preparation was done ahead of time. Matt and Chris explain how they help families reverse-audit tax returns and bank statements to uncover accounts, track down life insurance, organize assets, and sort through Social Security benefits. They clarify what needs to be handled immediately versus what can wait a few months, giving surviving spouses space to focus on emotional recovery while still protecting their financial well-being.
Finally, they discuss how to rebuild a financial plan once the initial dust settles. This includes establishing a new budget, redefining goals, restructuring investments, and creating a long-term strategy that supports stability, dignity, and confidence moving forward.
Whether you're preparing ahead or navigating a loss right now, this episode brings clarity and structure to an otherwise overwhelming process.
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In this episode of EWA's FIN LYT Podcast, Matt Blocki and Chris Pavcic walk through how life changes as income grows from one hundred thousand to five hundred thousand to one million per year and why higher income can actually create more financial danger if you are not intentional. They explain the idea of money temperature, how your lifestyle tends to rise to match your paycheck, and why building flexibility to buy back time and gain autonomy should be a core planning goal.
They start with the one hundred thousand level, where paying close attention to every dollar can be an advantage. Matt and Chris outline a simple order of savings decisions. First, capture the full company match in your retirement plan. Next, fund a Roth IRA for tax free growth and flexible access to contributions in a real emergency, then use extra cash flow to pay down higher interest debt or build a small brokerage or savings account. They describe reverse budgeting as making one decision about what goes where, then letting the system run so you can avoid constant expense tracking and still stay out of lifestyle creep.
At five hundred thousand of income and beyond, the math and the stakes change. Many families are now maxing out retirement plans, using tools like Roth strategies, health savings accounts, college savings, and large brokerage accounts that demand real discipline because they are easy to tap for lifestyle upgrades. Matt and Chris cover when to be cautious with deferred compensation plans, when advanced planning around insurance, asset protection, and estate documents becomes more important, and why they often recommend saving at least twenty five percent so future choices do not depend on one high stress job.
For those near or above one million in income, they highlight the sweet spot between saving and spending, where you live abundantly but with discretion, practice stealth wealth, and let your money serve your values instead of the other way around.
If you are in any of these income ranges and want help finding your own sweet spot, reach out to us and follow us on YouTube for more insights and information on financial topics.
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In this episode of EWAs FIN LYT Podcast, Matt, Jamison, and Ben explore one of the biggest questions investors are asking today. Is artificial intelligence in a bubble or are we still at the beginning of a major long term shift. They discuss why AI driven returns have been so strong and why a thoughtful financial plan should guide your decisions more than excitement or fear.
They compare todays AI environment to past periods of rapid innovation and explain how the financial strength of current leaders creates a much different backdrop than earlier bubbles. Some companies will thrive and some will struggle, but the overall trend is likely to continue shaping the economy.
The team also explains why many investors already hold significant AI exposure without realizing it. At the same time, they caution that concentrated positions can create real stress when volatility hits, even for companies viewed as long term winners.
Matt, Jamison, and Ben close by reinforcing EWAs core philosophy. Participate in innovation, protect your balance sheet from major setbacks, and keep your plan aligned with your life by design. With the right structure, you can capture upside while staying prepared for inevitable market swings.
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Welcome to EWA’s Quarterly Market and Portfolio Commentary, released early to give you an advanced look at our Q1 2026 positioning.
In this update, Matt Blocki walks through the major forces shaping markets heading into the new year, including strong corporate earnings, moderating inflation, improving liquidity conditions, and a more accommodative Federal Reserve. Together, these trends support a constructive stance toward risk assets and informed adjustments across EWA portfolios.
This commentary covers:
• The Q1 2026 rebalance completed early and increased equity overweight
• Economic growth tailwinds, fiscal policy impacts, and consumer strength
• Inflation trends, Fed cuts, and a cooling but stable labor market
• The earnings-driven AI and mega-cap tech cycle powering global innovation
• Updates to our fixed income strategy as credit spreads sit near historic tights
Throughout the video, we reaffirm EWA’s core investment philosophy: stay diversified, stay disciplined, and position for long-term innovation while managing risk proactively.
If you have questions about how these updates may impact your portfolio or long-term plan, our team is here to help.
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In this episode of EWA's FIN-LYT Podcast, Matt and Ben explain why, with the federal exemption at an all time high of 15 million per person, families who expect meaningful future growth can move assets out of their taxable estate before these limits may decline. They simplify how estate taxes work and why taking action now can prevent significant future tax exposure.
They outline the key differences between revocable and irrevocable trusts. A revocable trust helps avoid probate but does not reduce estate taxes. An irrevocable trust, however, can remove assets permanently from your estate. Matt and Ben also highlight how the grantor, trustee, and beneficiary roles work together and how a grantor structure allows the trust assets to grow more efficiently over time.
The episode covers which assets belong in an irrevocable trust and which do not. Life insurance, direct indexed investment portfolios, business interests, rental properties, and high growth private investments often work best because they can appreciate outside your estate. Retirement accounts, primary residences, cash reserves, and assets with debt generally create tax or administrative issues and are better kept out.
Matt and Ben wrap up with practical examples for both high earners and already high net worth families. They explain how annual exclusion gifts and SLATs can help younger families begin planning and how those above the exemption may benefit from using their full limits now. The message is clear. Once exemption limits fall you cannot reclaim todays higher amount, and early planning can protect more of your wealth for future generations.
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In this episode of EWA’s FIN-LYT Podcast, Matt and Ben tackle a question that makes or breaks long term financial independence for high achievers with sizable balance sheets. Is your balance sheet truly healthy, or is it one bad year away from stress and hard choices? Drawing on real client scenarios, they break down why headline net worth is not the full story and how liquidity, concentration, and debt all interact when markets shift or your business hits a snag.
They explain why big wealth is often created through concentration in a business, a single stock, or real estate yet preserved through thoughtful diversification and accessible reserves. You will hear practical guardrails you can apply right away: limit any one stock or business interest from dominating your net worth, build a personal liquidity buffer so you can become your own bank in a downturn, and right size real estate so it supports rather than strains your plan.
Matt and Ben also explore the emotional side of rebalancing concentrated winners, why stealth wealth and reverse budgeting help owners stay disciplined, and how lines of credit secured by investment accounts can provide flexibility without forcing sales at the wrong time. They outline key takeaways such as holding 5 to 10 percent in true liquidity like cash, T bills, or short CDs with fast access, keeping your primary residence near or below 20 percent of net worth and total real estate near or below 40 percent, maintaining total personal debt near or below 15 percent, and monitoring concentration so no single position puts your plan at risk.
Whether you are a business owner, an executive with significant RSUs, or an investor with meaningful real estate, this episode offers a clear framework to turn a chaotic collection of assets into a simple, resilient balance sheet that works for you. Join us each week as we share insights to help you align your wealth with the life you want to live.
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EWA Disclosures and Firm ADV:https://adviserinfo.sec.gov/firm/summary/308977
In this episode of EWA’s FIN LYT Podcast, Matt and Ben discuss why budgeting becomes even more important the higher your income grows and how traditional budgeting often fails high earners.
They introduce Reverse Budgeting, a system designed to eliminate decision fatigue, reduce financial stress, and help families at all income levels enjoy life while staying on track for long-term goals. Rather than tracking every expense, Reverse Budgeting uses automation and structure. By splitting paychecks into fixed and variable accounts, setting up “money temperature” controls, and aligning short-, mid-, and long-term savings buckets, this ensures you're saving and spending intentionally.
From helping over-spenders regain control to giving under-spenders permission to enjoy what they’ve built, Matt and Ben break down practical steps to organize cash flow, prevent lifestyle creep, and create peace of mind. With simple guardrails in place, you can protect your wealth, spend confidently, and live without financial regret.
Join us each week as we share insights to help you align your wealth with the life you want to live.
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EWA Disclosures and Firm ADV:
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In this episode of EWA’s FIN LYT Podcast, Matt and Nick tackle a question that keeps high earners and business owners up at night — "How do you audit proof your tax strategy while still minimizing what you pay legally?"
They break down what triggers IRS attention, why detailed documentation is essential, and how proactive planning throughout the year can help you avoid interest, penalties, and months of back and forth with the IRS. From missed K1s and W2G gambling slips to Schedule C losses that look more like hobbies, they explain where audits often start and how to build a clean, defensible paper trail before April.
The discussion also explores emerging issues like crypto reporting and the new 1099 DA, along with practical guidance for executives holding concentrated company stock or RSUs. Matt and Nick share real world examples of how small oversights can become five figure surprises and explain how aligning your tax, cash flow, and investment strategies under one team can help prevent them.
Whether you are a physician entering higher income, an executive managing equity compensation, or a business owner juggling multiple filings, this episode provides a clear roadmap to reduce audit risk, protect your time, and stay fully compliant.
Join us each week as we share insights to help you align your wealth with the life you want to live.
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EWA Disclosures and Firm ADV:https://adviserinfo.sec.gov/firm/summary/308977
In this episode of EWA’s FIN-LYT Podcast, Matt sits down with Nick to cut through the hype around “real estate tax hacks” and reveal what actually works. They explain how real estate investors, business owners, and high-income professionals can use proven tax strategies like cost segregation, bonus depreciation, and the real estate professional election, to save big the right way.
You’ll learn how to separate fact from fiction when it comes to TikTok tax tips, understand the difference between active and passive income, and see real examples of how the right structure can unlock significant tax efficiency while staying fully compliant.
What we cover
• Active vs. passive income and how to avoid the “passive trap”
• Cost segregation, bonus depreciation, and Section 179 explained
• Real estate professional and grouping elections that unlock tax savings
• Short-term rental rules and common IRS audit red flags
• Owner-occupied real estate setups and 1031 exchange strategies
• Why proper recordkeeping protects your deductions
Whether you’re a real estate investor, physician, executive, or entrepreneur, this episode will help you understand how to structure real estate the smart way and maximize your tax benefits with confidence.
Join us each week as we share practical ways to align your wealth with the life you want to live. This conversation is meant for educational purposes only—it’s not tax, legal, or investment advice. If you’re looking for guidance specific to your situation, give us a call or schedule a time to talk with our team at EWA so we can help you build a plan that fits your goals.
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EWA Disclosures and Firm ADV:
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In this episode of EWA’s FIN-LYT Podcast, Matt and Devin break down the often-misunderstood world of private markets and why high-net-worth investors are increasingly turning to them for diversification and long-term growth.
They unpack the fundamental differences between public and private markets, exploring why companies like SpaceX, Stripe, and OpenAI are choosing to stay private and what that means for investors. The conversation covers the rise of private credit and private equity, the growth trajectory of this $12 trillion market, and why these opportunities were once limited to institutions but are now opening up to accredited investors.
Matt and Devin explain how private investments fit within a comprehensive portfolio strategy, including how EWA structures allocations for qualified clients by balancing risk, return, and liquidity tradeoffs. They also discuss why these strategies are best suited for investors with $10 million or more in net worth, and how disciplined access to private markets can serve as a “smarter risk” rather than a higher one.
Whether you’re curious about expanding beyond traditional markets or want to understand the mechanics of private investing, this episode offers a clear, high-level framework for how these asset classes can complement long-term wealth strategies.
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EWA Disclosures and Firm ADV:
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In this episode of EWA’s FIN-LYT Podcast, Matt and Devin dive into one of the most personal and complex financial questions: How do you know when you’ve saved enough?
They explore why traditional rules of thumb like “you need $10 million to retire” often fall short, and how defining “enough” depends on your lifestyle, goals, and values. It's not a static number. Through real client examples, they illustrate how over-saving can quietly rob families of joy and time, while under-saving can create long-term financial stress.
The discussion covers key assumptions behind a sound financial plan. This includes spending habits, inflation, taxes, and investment returns, and why constant recalibration is essential as life evolves. They also share how intentional spending and well-structured savings can eliminate future regret, ensuring clients enjoy today while staying financially secure for tomorrow.
Whether you’re a high-income professional, physician, or business owner, this episode offers a practical framework for balancing present enjoyment with future independence while finding confidence in knowing you’re truly on track.
Join us each week as we share insights to help you align your wealth with the life you want to live.
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EWA Disclosures and Firm ADV:
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In this episode of EWA’s FIN-LYT Podcast, Matt and Ben uncover the hidden costs that quietly drain financial plans. These are not just money leaks but regrets, delays, and unnecessary stressors that can erode wealth and peace of mind over time.
They discuss how lifestyle creep, fragmented financial advice, tax inefficiencies, illiquidity, and unmanaged risks all show up in real client situations. The conversation also highlights the dangers of holding too much cash, as well as the reality that most wealth fails to last beyond two generations without intentional legacy planning.
Whether you are a physician, business owner, or high-income professional, this episode offers practical ways to avoid these silent killers and ensure your financial plan supports both your independence and your vision for life.
Join us each week as we share insights to help you align your wealth with the life you want to live.
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EWA Disclosures and Firm ADV:
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In this early Q4 market commentary, EWA provides timely insights into recent portfolio rebalancing and the evolving market environment. Matt Blocki shares a comprehensive overview of tactical shifts, policy expectations, and structural investment themes shaping portfolios as we close 2025. The commentary highlights how EWA is selectively leaning into opportunities while maintaining risk management amid policy uncertainty and geopolitical complexity.
The update reaffirms EWA’s disciplined, long-term investment approach, focused on resilience, diversification, and high-conviction ideas. Staying selective yet bold, especially where signals are clear, remains central to the firm’s philosophy.
Key Topics Covered:
Tactical asset allocation and equity positioning (0:29)
Cooling labor market and Fed policy outlook (3:00)
Inflation trends and expected rate cuts (4:54)
U.S. earnings strength versus international markets (7:07)
Artificial intelligence and national resilience themes (11:17)
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In this episode of EWA’s FIN LYT Podcast, Jamison and Ben explore why the IRS shouldn’t be your biggest heir. They break down how estate taxes and state inheritance taxes work, why liquidity issues with real estate and businesses create problems, and what families can do to protect wealth across generations.
From trusts that act like a prenup, to lifetime gifting strategies, Roth conversions, and the smart use of life insurance or charitable planning, this conversation highlights practical ways to reduce taxes, safeguard assets, and ensure your legacy benefits your loved ones and not the IRS.
Join us each week as we share insights to help you align your wealth with the life you want to live.
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In this episode of EWA’s FIN-LYT Podcast, Jamison and Ben explore one of the most important questions in financial planning: how do you design a life you never want to retire from?
Too often, retirement is treated as a finish line. It's an age or a number where work stops. But what happens when the structure, purpose, and community that work provides suddenly disappear? Drawing from client experiences and research, the advisors unpack practical strategies for creating a fulfilling life both before and after retirement.
You’ll hear insights on:
- Why the traditional retirement age of 65 may no longer fit modern life expectancies.
- How to balance financial independence with meaning, purpose, and fulfillment.
- The importance of health, relationships, and values in shaping your later years.
- Tools like the “24-hour exercise” and “energy audit” to better allocate your time.
- Real-world examples of physicians and business owners navigating semi-retirement.
Whether you’re a young professional curious about long-term planning, a physician considering part-time work, or a business owner weighing succession, this conversation offers actionable steps to align your wealth with your vision for life.
Join us each week as we share insights to help you align your wealth with the life you want to live.
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In this episode of EWA’s FIN-LYT Podcast, the team unpacks the newly passed tax bill, one of the most talked about pieces of legislation in recent months. With nearly 800 pages of changes, the advisors simplify it by focusing on the top 10 provisions that matter most for high income professionals, retirees, executives, and business owners.
From income tax brackets and estate planning exemptions to SALT deductions, charitable contributions, Section 179 expensing, and the corporate tax rate, the discussion highlights where clients will feel the biggest impact. You’ll also hear insights on new savings accounts for children, expanded qualified small business stock rules, and strategies for business owners weighing entity structure.While much of the bill extends existing provisions, there are important nuances that create real planning opportunities. Whether you are a physician navigating complex brackets, an executive planning for the future, or a business owner evaluating tax strategy, this episode gives you the clarity you need.
Stay tuned for more episodes on updates and topics designed to help you plan with clarity and confidence.
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