ACap ReCap: Financial and Tax Tips

Ara Oghoorian
  • 5.0 (7)
  • Business
  • Updated Biweekly

ACap Advisors & Accountants is a boutique fee-only Wealth Management and full-service Accounting firm based in Los Angeles. We handle everything from taxes to investments to risk management and estate planning, providing comprehensive, unbiased financial advice in one location. In our ACap ReCap episodes, we discuss the latest financial news, answer the frequently received financial questions, and share financial tips with you. If you have questions or suggestions email us hello@acapam.com Find more details at https://www.acapam.com/ #financialadvisor #fiduciaryfinancialadvisor​ #finance #financial #money #wealthmanagement #assetmanagement #investment #tax #taxplanning

  1. Jun 3

    Cost Segregation Explained: Maximizing Tax Deductions on Rental Properties

    Cost segregation is one of the most powerful tax strategies available to real estate investors, but it is often misunderstood. In this episode, Ara Oghoorian breaks down how cost segregation works, why it can significantly increase depreciation deductions, and how rental property owners can use it to reduce taxable income and improve cash flow. Through a practical example, he explains how a cost segregation study reclassifies components of a building into shorter depreciation schedules, allowing investors to accelerate tax benefits. Ara also discusses the three major advantages of cost segregation, including larger deductions, the ability to offset income from other rental properties, and potential tax savings. He then covers the drawbacks investors need to consider, including reduced future depreciation, passive activity loss limitations, and depreciation recapture when a property is sold. Whether you own apartment buildings, commercial real estate, or are considering your first rental property investment, this episode provides a practical overview of when cost segregation may, and may not, make sense for your tax strategy. Key Topics Discussed: What cost segregation isAccelerated depreciation explainedCost segregation studies and how they workTax benefits for rental property ownersOffsetting rental income with depreciationPassive activity loss considerationsDepreciation recapture risksWhen cost segregation makes senseCommon mistakes real estate investors makeFor more tax and financial planning insights, visit ACAP Advisors & Accountants. www.acapam.com ACap's Financial Quick Tips

    5 min

  2. May 20

    How to Fill Out IRS Form 4547 for Trump Accounts, Step by Step

    Want to open a Trump Account for your child and claim the possible $1,000 government contribution? In this video, CPA and wealth manager Ara Oghoorian walks through IRS Form 4547 line by line, explains who qualifies, and shows exactly how to complete the form correctly. Learn how Trump Accounts work, who is eligible, contribution limits, and how parents can open the account before funding begins in July 2026. Trump Accounts are one of the biggest new child investing opportunities created under the One Big Beautiful Bill Act, and understanding the setup process now can help parents avoid mistakes later. In this video:  • What a Trump Account is  • Who qualifies for the account  • How the $1,000 government contribution works  • Trump Account contribution limits explained  • How to complete IRS Form 4547  • Information needed to open the account  • Online filing vs filing with your tax return  • Important July 2026 funding timeline  • Parent, grandparent, and guardian rules  • Traditional IRA comparison If you have questions about Trump Accounts, retirement planning, tax strategy, or investing for your children, contact us below. 🌐 Contact ACAP Advisors & Accountants:  https://www.acapam.com/contact/ #TrumpAccount #IRSForm4547 #TrumpAccounts #InvestingForKids #ChildInvestmentAccount #FinancialPlanning #TaxStrategy #RetirementPlanning #WealthManagement #CPA #FamilyFinance #OneBigBeautifulBillAct www.acapam.com ACap's Financial Quick Tips

    5 min

  3. May 13

    Trump Accounts vs IRAs, What Parents Need to Know

    Trump Accounts and IRAs are not the same, but used together, they can create a powerful head start for a child’s financial future. Ara explains how Trump Accounts compare to Traditional and Roth IRAs, including eligibility rules, contribution limits, investment restrictions, tax treatment, withdrawal rules, and planning opportunities for children with or without earned income. He also covers the $1,000 government seed contribution, employer contributions, Roth IRA conversions at age 18, and why Trump Accounts function like a hybrid retirement account for kids. www.acapam.com ACap's Financial Quick Tips

    10 min

  4. May 6

    Graduation Money Advice: How to Build Wealth From Your First Paycheck

    Graduating is more than the end of school, it is the beginning of your financial life. In this episode, Ara shares the money advice every graduate should hear before lifestyle inflation, debt, and bad habits take over. Learn how to open a Roth IRA, automate savings, build credit, create an emergency fund, save 20% of your income, understand taxes, and make smart decisions with your first 401(k). Whether you are starting with a minimum wage job or a high income career, these early financial moves can put you years ahead. www.acapam.com ACap's Financial Quick Tips

    10 min

  5. Apr 29

    Trump Accounts Explained, New $1,000 Government Investment Account for Kids

    Ara breaks down the new Trump Accounts created under the One Big Beautiful Bill Act, a tax advantaged investment account designed for children. In this episode, you’ll learn who qualifies, how the $1,000 government deposit works, contribution limits, investment restrictions, withdrawal rules, and why these accounts could become a powerful long term wealth building tool for kids. Ara also explains the potential planning opportunities for parents, employers, and business owners, plus what guidance is still pending from the IRS and Treasury www.acapam.com ACap's Financial Quick Tips

    7 min

  6. Apr 22

    S&P 500: The Truth Most Investors Miss

    Is investing in the S&P 500 enough to build real wealth, or are you leaving money and protection on the table? Before you go all in on index funds, understand what the S&P 500 does well and where it falls short. In this episode, Ara Oghoorian breaks down the reality behind one of the most recommended investment strategies in the world. While the S&P 500 is often praised for its simplicity, low cost, and long term performance, many investors misunderstand its limitations and risks. You will learn what the S&P 500 actually is, why it has become so popular, and how index funds allow you to invest in it. Ara also explains the key benefits including diversification, low expenses, liquidity, and built in global exposure. But more importantly, this episode challenges the idea that the S&P 500 should be your only investment. From lack of true diversification to exposure to market volatility and missed opportunities in other sectors, Ara walks through the critical gaps that could impact your long term financial plan. You will also hear a powerful breakdown of historical performance showing why the S&P 500 is not always the top performing index, and what that means for your portfolio strategy. If you are serious about financial planning, retirement investing, and building a smarter tax efficient portfolio, this is a must listen. Want help building a diversified investment strategy that aligns with your goals?  Contact us at https://www.acapam.com/contact/ www.acapam.com ACap's Financial Quick Tips

    11 min

  7. Apr 15

    What Is Social Security and How It Really Works, Taxes, Benefits, and Retirement Strategy Explained

    If you’ve ever looked at your paycheck and wondered where your money is going, Social Security is a big piece of that puzzle. But most people don’t fully understand how it works, until it’s almost time to rely on it. In this episode, we break down Social Security in simple, practical terms so you can understand exactly what you’re paying into, what you’re getting back, and how to make smarter decisions around it. From how FICA taxes work to how your benefits are calculated, this is a complete walkthrough of one of the most important retirement income sources. We cover how the system is funded, why Social Security is not a personal savings account, and how your highest 35 years of earnings determine your benefit. You’ll also learn how work credits work, what it takes to qualify, and how timing your claim can significantly impact your lifetime income. Most importantly, we dive into strategy. When should you claim, early or late? How does delaying benefits increase your income? And how can these decisions affect your overall financial planning and retirement investing strategy? If you want to avoid costly mistakes and make informed decisions about your retirement income, this episode will give you the clarity you need. Topics Covered: Social Security basics and history How Social Security taxes work (FICA explained) Income limits and contribution caps How benefits are calculated Work credits and eligibility Full retirement age vs early claiming How to maximize your Social Security income Key financial planning considerations for retirement If you want help building a personalized Social Security and retirement strategy, reach out to our team. We can help you make the right decisions to maximize your income and minimize taxes. www.acapam.com. www.acapam.com ACap's Financial Quick Tips

    7 min

  8. Apr 1

    IRS Penalties Explained, The Costly Tax Mistake That Can Add 25%

    Most taxpayers do not realize how expensive IRS penalties can get until it is too late. In this episode, Ara breaks down the two main IRS penalties, failure to file and failure to pay, and explains why filing late can cost far more than simply paying late. Using real dollar examples, he shows how a $4,000 tax bill can quickly grow with monthly penalties, daily compounding interest, and added charges on unpaid balances. He also clears up a major misconception about tax extensions, explaining why an extension gives you more time to file, not more time to pay. You will also learn practical ways to reduce the damage, including filing immediately, setting up an IRS installment agreement, and asking about first time penalty abatement if you qualify. This episode is essential for anyone who wants to avoid unnecessary IRS penalties and make smarter tax decisions when money is tight. www.acapam.com ACap's Financial Quick Tips

    5 min
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Ratings & Reviews

5
out of 5
7 Ratings

About

ACap Advisors & Accountants is a boutique fee-only Wealth Management and full-service Accounting firm based in Los Angeles. We handle everything from taxes to investments to risk management and estate planning, providing comprehensive, unbiased financial advice in one location. In our ACap ReCap episodes, we discuss the latest financial news, answer the frequently received financial questions, and share financial tips with you. If you have questions or suggestions email us hello@acapam.com Find more details at https://www.acapam.com/ #financialadvisor #fiduciaryfinancialadvisor​ #finance #financial #money #wealthmanagement #assetmanagement #investment #tax #taxplanning

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