Real estate can build real wealth, but Ryan Finch is clear about the part people like to skip: it is not passive just because rent checks show up. In this episode of Fiduciary Alchemy, Craig talks with Ryan, founder of Tangible Wealth Solutions LLC, about the difference between owning real estate on paper and actually carrying the risk, work, stress, and responsibility that come with it. Ryan’s story starts early. At 19, he used room-and-board money, savings from a painting business, an FHA loan, roommates, and carefully structured help from his parents to buy his first rental property. The deal worked, but not because it was magic. It worked because the numbers mattered, reserves mattered, repayment discipline mattered, and he had to learn the business by living inside it. Craig and Ryan dig into the less glamorous side of real estate: market cycles, the 2008-2009 downturn, fix-and-flip hype, vacancies, maintenance, tenants, managers, and the emotional strain of assets that do not always behave. Ryan makes the case that even self-managing landlords should price management into their return calculations, because that return is often payment for labor, not just capital. The conversation then moves into tax-aware exits and more passive ownership paths, including 1031 exchanges, Delaware Statutory Trusts, and mineral rights. Ryan explains how investors can reduce hassle, diversify, and defer taxes, while still remembering the tradeoff: less day-to-day control does not mean no real estate risk. Want to learn more about Ryan Finch's work? Visit Tangible Wealth Solutions at http://www.yourtws.com. Connect with Ryan Finch on LinkedIn at https://www.linkedin.com/in/ryandfinch/. You can also reach Ryan directly at 720-338-1650. Think you'd be a great guest on the show? Apply at https://fiduciaryalchemy.com/podcast/apply/. Want to learn more about Craig Andrews' work? Check out https://fiduciaryalchemy.com/. 1031 Risk Disclosure: There is no guarantee that any strategy will be successful or achieve investment objectives; Potential for property value loss – All real estate investments have the potential to lose value during the life of the investments; Change of tax status – The income stream and depreciation schedule for any investment property may affect the property owner’s income bracket and/or tax status. An unfavorable tax ruling may cancel deferral of capital gains and result in immediate tax liabilities; Potential for foreclosure – All financed real estate investments have potential for foreclosure; Illiquidity – Because 1031 exchanges are commonly offered through private placement offerings and are illiquid securities. The secondary market for these investments is very limited, and early sale is not guaranteed. Reduction or Elimination of Monthly Cash Flow Distributions – Like any investment in real estate, if a property unexpectedly loses tenants or sustains substantial damage, there is potential for suspension of cash flow distributions; Impact of fees/expenses – Costs associated with the transaction may impact investors’ returns and may outweigh the tax benefits For more information on Emerson Equity, please visit FINRA’s BrokerCheck website. You can also download a copy of Emerson Equity’s Customer Relationship Summary to learn more about their role and services. General Disclosure Not an offer to buy, nor a solicitation to sell securities. All investing involves risk of loss of some or all principal invested. Past performance is not indicative of future results. Speak to your finance and/or tax professional prior to investing. Any information provided is for informational purposes only. Securities through Emerson Equity LLC Member: FINRA/SIPC. Only available in states where Emerson Equity LLC is registered. Emerson Equity LLC is not affiliated with any other entities identified in this communication. Oil and Gas Investment Risks Private investments in oil and gas are high risk, including, but not limited to the following considerations: Political Risk – Federal or local governments could enact regulations/legislation that could adversely affect the oil and gas industry, thereby negatively affecting your investment. Geological Risk – Oil and gas production can be negatively affected by the difficulty of extraction and the possibility that the accessible reserves in any deposit will be smaller than estimated. There is no guarantee that any drilling operation will be successful. Supply, Demand, and Price Risk – A reduction in oil and gas prices, a decrease in demand, or a surplus of available supply can reduce or even eliminate investment returns. Cost Risk – Unexpected or increased operating expenses can reduce or even eliminate investment returns. Dividend Cuts – Any dividend payments can be reduced or eliminated if the company is unable to earn enough revenue to fund the payments to investors. Oil Spill Risk – In addition to the cost of repairs, clean up, potential fines, and potential litigation, oil spills can negatively affect the reputation of the company, all of which can reduce or eliminate investment returns.
