FIN-LYT by EWA EWA LLC

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Additional Content Available on YouTube

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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 Jamison Smith dive into a complex and often misunderstood topic: navigating the challenges of being significantly wealthier than most of your loved ones. Many believe that accumulating more money leads to greater happiness, but as Matt and Jamison discuss, this isn't always the case. Achieving financial success can sometimes strain relationships, especially when there is a substantial income gap between you and your family or friends.

Matt and Jamison offer ten practical tips for individuals who find themselves in this unique position, starting with understanding your "money temperature" – a concept likened to a comfort zone in spending that can be difficult to adjust once it's set. They share strategies for maintaining relationships without widening the wealth gap, such as focusing on experiences over material gifts and the importance of setting boundaries to avoid social debt. They emphasize that while financial support can be beneficial, it should not be the go-to solution for every problem, especially when it comes to relational issues. The conversation also touches on psychological aspects, like the need for status and acceptance, and the challenge of adjusting one’s lifestyle once one's income increases. They discuss the importance of empathy, sensitivity, and not allowing financial success to dominate relationships.

This episode is a must-listen for anyone looking to understand how to manage wealth wisely, while maintaining healthy and happy relationships, and navigating balance in world where not everyone shares the same fortune.



Additional Content Available on YouTube

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@FIN-LYTbyEWA?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect with EWA

⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://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 special episode of FIN LYT by EWA, Matt Blocki and Chris Pavcic engage in a conversation with two long time clients, both in the medical field, revealing the intricacies of navigating life's financial and personal challenges. The clients, a surgeon and an occupational therapist, respectively, share their journey from accumulating substantial educational debt to making life-altering decisions amidst the birth of their children and the COVID-19 pandemic. Their story highlights the balance between debt repayment, career sacrifices, and the importance of family and well-being. The episode offers invaluable insights for young couples striving to manage finances, debt, and family priorities and is underscored by the strategic guidance of their financial advisors.
Digging deeper, the clients’ narrative unfolds the tension between societal expectations and personal values, particularly around financial decisions while in the medical profession. Through periods of intense stress, isolation, and significant life events, they emphasize the virtues of patience, strategic financial planning, and the courage to say "no" to instant gratification in pursuit of long-term fulfillment. They share their journey to the decision to build their dream home as a means to bring their immediate and extended families closer and plan for the future. Their experiences illustrate the transformational impact of aligning financial decisions with core values. This episode explores a personal and financial journey for the clients but provides insights for anyone facing the daunting task of balancing professional success with the desire for balance and a meaningful family life.



Additional Content Available on YouTube

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@FIN-LYTbyEWA?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect with EWA

⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://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 FIN-LYT by EWA, Matt Blocki and Jamison Smith discuss how individuals with highly concentrated stock positions can take proactive steps to protect themselves. Concentrated stocks are more common than ever, with many individuals finding a significant portion of their net worth tied to company stock, whether through executive compensation packages in tech and manufacturing sectors or large investments in rapidly appreciating stocks.

Matt and Jamison explore the intricacies of this topic against the backdrop of a rapidly changing economic landscape, where the lifespan of companies has drastically shortened, and the average tenure of an S&P 500 company has significantly decreased. They discuss the inherent risks of holding individual stocks within a financial plan, bolstered by insights from a McKinsey study on the shrinking lifespan of companies due to technological advancements and market dynamics.

The episode will also cover specific strategies for mitigating risk and optimizing financial planning around concentrated stocks, including the use of exchange funds, direct indexing, and options like protective puts and collars. Whether you're an executive with significant company stock or an investor with large stock holdings, this episode will provide you with the insights needed to protect and grow your wealth in an ever-changing financial landscape.




Additional Content Available on YouTube

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@FIN-LYTbyEWA?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect with EWA

⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://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 FIN-LYT by EWA, Matt Blocki and Stephanie Bogden unravel the complexities and paradoxes that often accompany financial decisions, aiming to simplify some of the most common financial problems clients face. Matt and Stephanie shed light on the pivotal role of financial advisors, extending beyond conventional problem-solving to address the emotional and psychological facets of financial management. The discussion underscores the irreplaceable value of financial advisors in overcoming the human challenges of regret, stress, and internal conflict, proving that the true value of their services far surpasses any fee—especially when compared to the limited solutions offered by technology and DIY approaches.Some key points include:1. Tax Planning and Control2. Investing Psychology and Inflation.3. Market Volatility vs. Hidden Dangers4. Risk Management and Insurance.5. Simplifying Complex Financial Planning6. The Holistic Role of Financial Advisors7. Embracing Financial ParadoxesThis episode is a must-listen for anyone looking to deepen their understanding of financial planning's complexities while aiming for a life that balances financial success with personal fulfillment and happiness. Whether you're striving for financial independence, planning for retirement, or navigating family financial dynamics, listen in to discover how a holistic approach to financial planning can address not just the numbers, but also the intricacies of life itself.




Additional Content Available on YouTube

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@FIN-LYTbyEWA?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect with EWA

⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://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 the FIN-LYT by EWA, Matt Blocki, Jamison Smith, and Ben Ruttenberg discuss various types of private investments and their complexities. The realm of private investing has become increasingly accessible to high-net-worth individuals, and it is critically important to do proper due diligence and understand the nuances of these investments.
Matt, Jamison, and Ben dissect the three main categories of private investments: private equity, venture capital, and more localized, mom-and-pop private deals, adding a fourth dimension with real estate syndicates. They provide a comprehensive breakdown of each category, highlighting the differences in strategies, the level of due diligence required, and the varying degrees of regulatory oversight. Venture capital and private equity are contrasted through their investment stages, the nature of the companies they target, and their ultimate goals. practicalities and pitfalls of engaging in private investments. In addition, they discuss the importance of a disciplined approach including critically assessing investor motivations and the potential impact on broader financial plans.
This episode is a resource for anyone looking to navigate the complex landscape of private investing with confidence and caution. It will guide you through the risks, rewards, and realities of this challenging yet potentially rewarding aspect of wealth management.



Additional Content Available on YouTube

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@FIN-LYTbyEWA?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠



Connect with EWA

⁠https://ewa-llc.com/⁠Follow Us on Social Mediahttps://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