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:
https://adviserinfo.sec.gov/firm/summary/308977
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:
https://adviserinfo.sec.gov/firm/summary/308977
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:
https://adviserinfo.sec.gov/firm/summary/308977
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:
https://adviserinfo.sec.gov/firm/summary/308977
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:
https://adviserinfo.sec.gov/firm/summary/308977
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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EWA Disclosures and Firm ADV:
https://adviserinfo.sec.gov/firm/summary/308977
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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EWA Disclosures and Firm ADV:
https://adviserinfo.sec.gov/firm/summary/308977
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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EWA Disclosures and Firm ADV:
https://adviserinfo.sec.gov/firm/summary/308977
In this episode of EWA’s FIN-LYT Podcast, the team shifts the conversation from saving and building wealth to actually spending it with purpose, joy, and confidence. Many high-net-worth individuals struggle with giving themselves permission to enjoy what they’ve worked so hard for. This episode explores the art and science of spending well, drawing from real client experiences that highlight how money can truly enhance life.From convenience splurges like TSA PreCheck, private travel, nannies, and concierge medicine to more meaningful investments like family adventures, backyard upgrades, and once-in-a-lifetime bucket list trips, the discussion underscores that wealth is best measured in time and memories. You’ll also hear how clients are approaching health, passions, philanthropy, and even stealth wealth, ensuring that spending aligns with values without derailing long-term plans.Whether you’re newly navigating financial security or rethinking what wealth means for your family’s future, this candid conversation will inspire you to view spending not as indulgence, but as a powerful tool to create fulfillment, strengthen relationships, and live intentionally.If you’re serious about aligning your wealth with your life, this episode will help you rethink what’s truly worth investing in.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
In this episode of EWA’s FIN-LYT Podcast, the team reveals how to turn everyday spending into luxury travel without draining your bank account. From flights that fold into beds to five star all inclusive resorts, you will learn the ins and outs of credit card point strategies that have saved clients $20,000 to $35,000 on dream vacations.
They share real world examples, including a $12,000 Cancun trip booked for $50 out of pocket and an upcoming Italy adventure valued at $35,000 for under $5,000. You will hear how to maximize sign up bonuses, navigate companion passes, use strategic tax and large purchase payments, and avoid common pitfalls that waste points.
Whether you are a high income professional eyeing international travel or just looking to stretch your vacation budget, this episode gives you the exact playbook EWA uses with clients to make bucket list trips a reality for a fraction of the cost.
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View EWA Disclosures and Firm ADV:
https://adviserinfo.sec.gov/firm/summary/308977
In this episode of EWA’s FIN-LYT Podcast, Jamison, Devin, and Matt unpack the nuanced reality behind high-net-worth goals by comparing two vastly different wealth tiers: $10 million vs. $100 million.
Is more always better? They explore how wealth shifts from first-class to private jets, from vacation homes to global real estate portfolios and what that means for lifestyle, fulfillment, and legacy. You’ll learn how increased complexity at higher wealth levels introduces not just more options, but more stress, responsibility, and the risk of misalignment with your core values.
From estate planning and illiquid investments to generational wealth dynamics and the psychological weight of extreme wealth, this episode delivers a candid discussion on what enough really means. Whether you're building toward your first $10 million or questioning the pursuit of $100 million, this is a must-listen for anyone seeking clarity and intentionality in financial planning.
If you're serious about aligning your wealth with your purpose, this episode brings the conversation back to what truly matters.
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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, Devin Faddoul and Ben Ruttenberg break down the million-dollar (or rather, $5 million) question: Is it really enough to retire comfortably? They walk through what $5 million actually gets you in retirement.
Beyond the flashy number. You’ll learn how taxes, spending habits, goals, risk tolerance, and portfolio structure can make or break your long-term financial freedom. Whether your aim is legacy, philanthropy, or total independence, this episode offers a clear, personalized framework for aligning your money with your life’s purpose.
From retirement simulators and safe withdrawal rates to market drops and long-term care, Devin and Ben provide thoughtful strategies and real-world insights for navigating the emotional and financial realities of retiring with wealth. If you’re a growth-minded professional or family nearing retirement and wondering what it all adds up to, this episode is essential listening.
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EWA Disclosures and Firm ADV:
https://adviserinfo.sec.gov/firm/summary/308977
In this episode of FINLYT by EWA, Matt Blocki is joined by Chris Pavcic and Jamison Smith to share powerful lessons learned from over 50,000 client meetings. Together, they explore what truly builds wealth, why high income does not always lead to financial independence, and how values-based planning drives better outcomes.
The conversation covers key financial mindset shifts, including the difference between being rich and being wealthy, the importance of simplicity over complexity, and the challenges of learning to spend after years of saving. They also introduce the concept of “money temperature” and explain why behavioral habits are often the biggest drivers of financial success or stress.
The episode wraps up with insights on how to trade time and money with intention, and how to design a plan that supports a meaningful, regret-free life.
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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 Blocki and Jamison Smith explore the surprising connection between dopamine and your financial decisions. Learn how this powerful brain chemical can hijack your financial plan—or become a secret weapon for long-term wealth and happiness.
From overtrading and lifestyle creep to building wealth with purpose, the conversation dives into how dopamine impacts habits, emotions, and behaviors in a world full of instant gratification. You’ll hear real-life examples, practical tips, and even a poetic reminder of why enjoying the journey is just as important as reaching your destination.
If you're a high-achieving professional or investor striving to stay disciplined and intentional with your money, this episode is a must-watch.
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In this episode of EWA’s FIN-LYT Podcast, Matt Blocki and Devin Faddoul join forces to uncover the hidden surprises of wealth. An eye-opening exploration of how sudden financial success can be both a blessing and a burden.
Drawing on real-world experiences, Matt and Devin discuss the profound psychological impact of wealth, especially for high-income earners and entrepreneurs. They dive into how money can magnify existing insecurities, challenge relationships, and test values. From navigating shifting friendships to managing family expectations and guarding against lifestyle inflation, this episode highlights the need for intentionality, emotional intelligence, and strong financial planning.
The conversation also emphasizes strategies like maintaining privacy, living with purpose, and creating a values-aligned life to sustain both wealth and well-being. Whether you’re a physician coming into a new contract or a business owner with a major liquidity event, this episode provides invaluable insight into the complex realities of financial independence.
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EWA Disclosures and Firm ADV:
https://adviserinfo.sec.gov/firm/summary/308977
In this episode of FIN-LYT by EWA, Matt Blocki is joined by Chris Pavcic to tackle a delicate yet essential topic in financial planning: initiating long-term care conversations with aging parents. As longevity increases and care costs soar, understanding how to proactively navigate these discussions can be critical for both emotional and financial wellbeing.
Matt and Chris explore a framework for addressing long-term care that applies across all stages of wealth. From families with modest means to those able to self-insure. They break down planning options across three primary paths: Medicaid planning, insurance-based strategies, and self-insuring. This episode provides real-world scenarios and actionable insights, including how physicians and other high-income earners can proactively plan for parental care costs, such as leveraging life insurance with long-term care riders.
Matt and Chris emphasize the importance of coordinating care roles, updating legal documents like powers of attorney, and fostering transparency across generations. Whether you're seeking to protect your family's legacy, minimize tax exposure, or simply prepare for difficult conversations, this discussion delivers practical tools to help you lead with confidence and compassion.
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EWA Disclosures and Firm ADV:
https://adviserinfo.sec.gov/firm/summary/308977
In this episode of FIN-LYT by EWA, Matt Blocki is joined by Jamison Smith to explore one of the most underrated yet powerful tools in financial planning: the brokerage account. Often overlooked in favor of retirement accounts and insurance-based strategies, brokerage accounts can offer unmatched flexibility, control, and tax efficiency, when structured properly.
Matt and Jamison break down how brokerage accounts serve high-income and high-net-worth individuals across every stage of life. From building wealth and navigating unexpected expenses, to maximizing charitable giving and optimizing estate transfers. They highlight strategic approaches like direct indexing, tax-loss harvesting, secured lines of credit, and tax bracket control in retirement.
This episode cuts through misconceptions and offers a clear, practical guide to unlocking the full potential of brokerage accounts. Whether you're a business owner, a charitable giver, or planning for early retirement, this conversation offers essential insights for long-term financial success.
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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 Ben Ruttenberg unveil a major evolution in EWA’s client service model by introducing fiduciary custody and expanded high-net-worth offerings. They discuss how these changes empower the firm to take a more proactive, comprehensive role in managing clients' financial lives, from daily 401(k) administration to multigenerational estate planning.
Matt and Ben break down what fiduciary custody really means, why EWA is embracing the added responsibilities and compliance layers it brings, and how this allows them to act as trustees and directly execute time-sensitive tasks on clients’ behalf. Their mission? To save clients time, reduce decision fatigue, and offer a concierge-level advisory experience. This episode offers a deep dive into how EWA is building a future-proof firm while staying laser-focused on client needs, trust, and time.
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EWA Disclosures and Firm ADV:
https://adviserinfo.sec.gov/firm/summary/308977