You can’t legally get away from paying taxes - it simply isn’t possible. However, if you live in Arizona, like I do, and you want to help make sure that your tax dollars are going to a good place, you have a number of wonderful ways to do exactly that. In fact in the state of Arizona, if you’re a joint filer, you have the potential to receive dollar-for-dollar credits of up to $4,800 - and this can turn into millions of dollars to fund both public and private schools, foster care for children, a...
Dec 05, 2018•15 min•Season 1Ep. 23
Chris Ronzio is a serial entrepreneur. As the founder and CEO of Trainual , he helps small and growing businesses document what they do, delegate roles, and create scalable operations manuals to centralize and teach their processes, roles, and responsibilities. Before founding Trainual, Chris learned how to build and sell smart, scalable businesses, including a video production company he founded as a teenager that would go on to serve all 50 states. He also founded Organize Chaos, a firm dedica...
Nov 12, 2018•59 min•Season 1Ep. 22
As planners, advisors, and CPAs, we all know that the Health Savings Account is the best retirement account out there. If you’re not contributing to one, you need to ask yourself - or your financial planner - why not, especially if you’re a high income individual or a business owner who has a high-deductible health insurance plan. The HSA is the only retirement account that offers the triple whammy of tax deduction, tax deferral, and tax free withdrawals - and there are many ways you can use it ...
Oct 12, 2018•18 min•Ep. 21
Many healthcare decisions were made for you by your parents as a child and your employer as a working adult. However, once you turn 65, you’re suddenly eligible for Medicare - and there are many options, as well as mistakes you can make. One wrong decision can lead to financial penalties for life, and having insufficient coverage can completely derail your retirement plan. Worse yet, there are countless people out there looking to make a quick buck selling less than ideal plans to older American...
Sep 21, 2018•53 min•Ep. 20
This is Part 3 in our three-part series about Required Minimum Distributions. If you missed the previous two, click here to listen to Part 1 and click here to listen to Part 2 , where we discussed the basics of RMDs and big-picture strategies to help you reduce them. Now, we’re going to help you answer a huge (and tricky) question: What should you do when you inherit a retirement account? Whether it’s a 401(k), an IRA, a Roth IRA, a SEP IRA, Simple IRA, TSP, 457, a 403(b), or something else, the...
Sep 04, 2018•37 min•Season 1Ep. 19
In 2018, security and cyber breaches are no longer a matter of if - they’re a matter of when, and how protected you are. In fact, most people have already had some portion of their data or personal information compromised, but don’t yet know it. Dan Konzon is the Vice President of Guidance and Information Technology at Advisor Armor - a cybersecurity firm especially for financial firms. Additionally, he’s spoken at Microsoft and taught parents and students about cybercrime and online best practi...
Aug 24, 2018•55 min•Ep. 18
One of the goals of the Your Wealth & Beyond podcast is to arm you with the information to make sound decisions to build your retirement - and decumulate those assets to give you the income you need along the way. Because we’ve received more questions about required minimum distributions (RMDs), we’re tackling this issue across 3 episodes. If you missed it, click here to listen to Part 1 , where we went over the basics of what you need to know about RMDs. In this second episode, we dig deep ...
Aug 10, 2018•22 min•Ep. 17
Over the years, we’ve received more questions about Required Minimum Distributions (RMD) than just about anything else - and because there’s so much information out there, I’m tackling this topic in a three-part series. In today’s episode (Part 1), I dive into the basics of the required minimum distributions, how they relate to your IRA, Roth IRA, and 401(k), as well as how to calculate this amount. If you’re not careful, the required minimum distribution can become a ticking tax time bomb. Howe...
Jul 27, 2018•27 min•Ep. 16
As the owner of a financial planning firm that has helped hundreds of families plan their retirement, it’s clear that many people overlook how Social Security can fit into their financial and income planning puzzle - and there’s a lot of misinformation out there. A lot of so-called "financial advisors" or CPAs don’t educate their clients about the pros, cons and specific options that are available to you. As a result, few people know how to truly utilize it to hedge against longevity, healthcare...
Jul 13, 2018•43 min•Ep. 15
Most people aren’t born great leaders. However, there’s one organization that often produces incredible entrepreneurs and startup power players in the private sector - the Navy SEALs - and Jeff Boss is living proof. After serving as a SEAL for 13 years, Jeff uses the principles he learned to help people build businesses, become better leaders, and find their purpose through leadership and team coaching. Jeff knows how to persevere through challenges and adversity - even when faced with setbacks,...
May 09, 2018•51 min•Ep. 14
If you’re a business owner or a solo entrepreneur, you have a variety of options when it comes to planning your retirement, paying your taxes, and avoiding penalties along the way. With over 25 years’ experience working with business owners and CPAs, Brian Hartstein , Director of Corporate Development at Bayntree Wealth Advisors , helps his clients utilize their pre-tax dollars as effectively as possible. Using his background in the pension business (he’s worked in his parents’ third-party admin...
Apr 24, 2018•38 min•Ep. 13
In 2010 Michael Messinger faced an extraordinary challenge; continue his successful career at a large institutional financial firm that paid well, provided fantastic benefits and gave him the flexibility to control his schedule or leave it all behind to start his own firm Redwood Investment Management. Based in Beverly Hills, CA and working almost exclusively with financial advisors, Redwood now manages over $1.2 billion in assets between their Mutual Funds, SMA and Hedge Fund strategies. Additi...
Apr 06, 2018•48 min•Ep. 12
No matter what kind of business you run, finding your purpose - and bringing your company into alignment with it - is key to long-term, sustainable success. Adam Goodman knows this better than almost anyone else. As the 3rd-generation leader of Goodmans Interior Structures, he initially had no desire to become part of the family business - but then realized that he could do more than just sell cubicles. In fact, he discovered how to use the business to make a meaningful impact on his community. ...
Mar 16, 2018•46 min•Season 1Ep. 11
As you grow your firm, there’s a very good chance that you will eventually need to reach out to your community—or the whole world—in order to find great clients. That’s where PR comes in, and few people know more about PR than Alana Kohl. After working for a Fortune 500 company and a career in corporate finance, she used her know-how and talent to succeed in large-scale national marketing campaigns to build AdvisorPR in 2005. Alana is known for innovative, all-inclusive marketing communications ...
Mar 01, 2018•1 hr 6 min•Ep. 10
At some point in your life, you will face a fork in the road: do you want to stay on a career track that simply pays you, or do you want to follow your true passion, build something of your own, and write your own story? Melissa L. Hart did just that. She mastered human resources working at Fortune 50 companies all over the United States, then quit to start her own firm, The HumanVantage® Consulting Group , where she helps to bridge the gap between corporate executives and the teams they manage....
Feb 18, 2018•56 min•Ep. 9
Few people live and breathe accounting like Liz Mason. She graduated college early and got her CPA by the age of 22, then spent several years in the corporate world. During this time, she learned how to automate some of the most grueling tasks that occupied so many accountants’ time, then discovered her vision to make people truly enjoy - rather than dread - accounting. At High Rock Accounting, Liz was one of the first to move her clients into the cloud, creating solutions designed to make their...
Jan 30, 2018•1 hr 3 min•Ep. 8
At some point in their history, virtually every successful company has needed to raise money—and there are now more ways than ever to do it. Do you rely on your friends and family? Do you bring in outside investors? If so, who? Are you looking for an infusion of cash, or a long-term partner to help you grow and sustain your vision? Kevin Fechtmeyer knows these tough situations and questions very well. With 25 years of experience in private equity both on Wall Street and at his own firm, Cave Cre...
Jan 12, 2018•55 min•Ep. 7
The Tax Cuts and Jobs Act of 2017 is the most sweeping overhaul of the US tax code since 1986. While its creators insist that it’s going to make filing easier for many Americans; the bill itself is hugely complicated, changes what benefits you may be eligible for and has led to some surprising outcomes. To help you navigate the new legislature as we gear up for tax season, Jeffrey Levine, CEO and Director of Financial Planning at Blueprint Wealth Alliance , joins me on the podcast after appearan...
Dec 30, 2017•49 min•Ep. 6
Intellectual property law can be scary – but it doesn’t have to be. In fact, just a few hours of an expert’s time can protect you from costly legal headaches down the line, and no one knows this better than Suzann Moskowitz. Suzann is the Founder of The Moskowitz Firm , a boutique law firm specializing in helping individuals and businesses protect their intellectual property – trademarks, branding, logos, domain names, and more – in essence, everything businesses need to nurture in order to grow...
Dec 21, 2017•56 min•Ep. 5
Why is it that some websites rank on page #1 of Google, while others fail to get attention and attract an ideal audience? Today, you’re going to find out! In this podcast interview, you’ll learn: The biggest digital marketing mistakes entrepreneurs are making and how you can avoid and/or fix them! A 6-part SEO framework to improve your Google website ranking, increase credibility and position yourself as an industry expert. Learn how to tap into the power of video so you can generate leads and t...
Dec 07, 2017•57 min•Ep. 4
There’s no question that technology has the ability to help us create solutions that improve how we operate and do business. In this podcast interview, you’ll learn: How technology can help you streamline, scale & serve your clients better. The exact tools that we’ve used to improve company workflow and take our business to that next level. What you should know about hiring 3rd party tech support, the benefits of app integrations, and how to beef up security so your business is protected! Sh...
Dec 07, 2017•19 min•Ep. 3
As an entrepreneur, you simply cannot do it on your own. You need a skilled team. One that will free you up from wearing a million different hats and can give you the support to finally focus on scaling your business. But how do you hire employees that can take you from where you are to where you need to go? Find out in today's episode! For a FREE Consultation on How to Efficiently and Cost Effectively Improve Your Hiring Practices visit our show notes: http://www.bayntree.com/002...
Dec 06, 2017•1 hr•Ep. 2
Welcome to Your Wealth and Beyond! My name is Andrew Rafal and I am the founder of Bayntree Wealth Advisors. I started this podcast as a way to empower YOU, the entrepreneur, with the insight and information you need to effectively manage and control your personal and professional finances. Far too often as entrepreneurs, we focus so much of our energy on serving our clients, that we neglect to handle our own internal business needs. I get it… it’s not easy. You’re probably wearing a million dif...
Dec 06, 2017•25 min•Ep. 1
