107 episodes

Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com. Graystone Advisor, LLC is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempt from registration. Investing Forever LLC (d/b/a, Investing Forever Advisory) is a registered investment adviser offering advisory services in the State of Florida and in other jurisdictions where exempted.

The Mind Money Spectrum Podcast Aaron Agte and Trishul Patel

    • Business
    • 5.0 • 11 Ratings

Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com. Graystone Advisor, LLC is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempt from registration. Investing Forever LLC (d/b/a, Investing Forever Advisory) is a registered investment adviser offering advisory services in the State of Florida and in other jurisdictions where exempted.

    #107. It's a new year! So now what?

    #107. It's a new year! So now what?

    Resolutions and blocking off calendar, and controlling time and your schedule. Don't forget 401k contributions, ISO exercises.

    In this episode, Trishul and Aaron talk about things they consider at the beginning of the year. They double-check savings rates based on raises and current 401k limits, and they evaluate the exercise of ISOs. They also evaluate many age-based topics, such as RMDs, QCDs, Medicare, and Social Security. But consider your big rocks first. It doesn't have to be a New Year's Resolution because a new habit can start at any time. So what boulders have you been neglecting lately?

    Episode References

    MMS #57. Be proactive in January to save big on these three things
    Build Back Better Act: Timeline
    OneWheel
    How to create a successful new year plan
    Who is eligible for Medicare
    Age Reduction
    QCDs
    UGMA or UTMA

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 52 min
    #106. Retirement planning around longevity: what you need to consider.

    #106. Retirement planning around longevity: what you need to consider.

    Longevity and life expectancy assumptions in financial planning projections.

    In this episode, Aaron and Trishul discuss planning issues related to longevity and life expectancy. Retirement projections require an end date, but choosing one is an art rather than a science. The process requires assimilating incongruent datasets and incorporating human emotion. But then what happens if longevity continues to increase? Our hosts get a little wonky as they bring up FIRE, safe withdrawal rates, Medicare, and The Good Place.

    Episode References

    Life Expectancy
    Death vs Disability
    Odds of Dying
    SSA: Actuarial Life Table
    Life Expectancy: Singapore vs US
    Japanese Scientists Develop Aging Vaccine
    Supercentenarians
    Human aging process biologically reversed

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 52 min
    #105. Which life lessons matter the most to your long-term success?

    #105. Which life lessons matter the most to your long-term success?

    The life lessons of skiing and snowboarding are different for kids and adults.

    How do skiing and snowboarding relate to teaching children grit? How do you learn to say 'no'? And where does "Zelda: Breath of the Wild" fit in with all this? In this episode, Trishul and Aaron discuss how winter sports and video games serve as examples of the balance between pushing through failure and knowing when to quit.

    Episode References

    MMS #6. The Difference Between Well-Being and Happiness
    MMS #93. How to give up and quit like a pro.
    MMS #8. Do You Actually Need More Stress in Your Life?
    MMS #17. How to Take Advantage of Your Lazy Brain
    Malcolm Gladwell: 10,000 Hours Rule Explained
    Wikihow: Develop Grit
    Wikihow: Snowboard
    Wikihow: Ski

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 58 min
    #104. 2nd year retrospective: Our favorite episodes and what you listened to most.

    #104. 2nd year retrospective: Our favorite episodes and what you listened to most.

    Our favorite episodes from Year 2.

    In this episode, Aaron and Trishul look back on their second year of podcasting. In the beginning, they focused on the process, recording one conversation at a time, and eventually, they established a consistent habit. To wrap up Season 2, our hosts recount their favorite episodes of the year. So which ones did you enjoy the most? Listen to the end to find out.

    Episode References

    MMS #52. 1st year retrospective: Our favorite episodes and what you missed.

    Trishul's Favorites from Year 2
    MMS #86. How does your True Tax Rate compare with the wealthiest Americans?
    MMS #72. How many people actually beat the market?
    MMS #61. The market's at an all-time high (again!). Now what?
    MMS #60. What's the best way to beat Bitcoin Madness? We uncover facts that nobody ever told you.
    MMS #59. Stock options are risky business. Here's when they can actually make sense.
    Aaron's Favorites from Year 2
    MMS #67. If you are in this lucky minority, the Biden Tax Plan will burn you.
    MMS #82. Are you overlooking this stellar asset class?
    MMS #77. What's the real limit on 401k contributions? It's much higher than you think.
    MMS #74. This hidden benefit of financial independence changes everything.
    MMS #73. Is direct indexing the future of investing?
    MMS #65. The most important financial advice for someone in their 20's.

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 1 hr 20 min
    #103. Don't miss out on big savings during Open Enrollment Season.

    #103. Don't miss out on big savings during Open Enrollment Season.

    During Open Enrollment, make sure you opt-in to 401k, life, disability, and health insurance. You can figure out the details later.

    In this episode, Trishul and Aaron discuss common client concerns that surface during Open Enrollment Season. Each fall, you get inundated with plan documents from work. But now is a time when your seconds can save you hundreds or even thousands. Often, you need to opt-in to participate in your employer's health, disability, life, and retirement plan. Likewise, a company match on your 401k or a discount to your ESPP can even mean free money. So don't miss out before it's too late to act.

    Episode References

    Employee Benefits Guide
    HMO vs PPO
    Group Disability Insurance
    FAQs for Cafeteria Plans
    HSA vs FSA

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 50 min
    #102. Your guide to navigating the equity compensation jungle (inc. ISOs, NSOs, RSUs, & ESPPs).

    #102. Your guide to navigating the equity compensation jungle (inc. ISOs, NSOs, RSUs, & ESPPs).

    ISOs, NSOs, RSUs, and ESPPs all together.

    In this episode, Trishul and Aaron discuss alternative forms of employee equity compensation. In addition to ISOs, there are NSOs, RSUs, and ESPPs, and each one comes with different tax implications. Your employer can grant access you any combination of these plans. So then, how do you decide when to exercise and when to sell? You can choose to hold on to everything for the upside. Or you can sell everything as soon as possible to lock in your benefits. But most people end up somewhere in the middle, and that's where things get complicated.

    Episode References

    MMS #99. ISO University: Congrats, you're hired! Now follow these steps with your new ISOs.
    MMS #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.
    MMS #101. ISO University: It's IPO Time! So now what do you do with your ISOs?
    Graystone Advisor - When do I Exercise my Incentive Stock Options?
    Graystone Advisor - You Should Probably Exercise Your ISOs in December
    Graystone Advisor - You Should Probably Exercise Your ISOs in January
    Graystone Advisor - How Do RSUs Work?
    XYPN: RSUs
    ESOP and ESPP
    myStockOptions.com: Holding Requirements for ISOs

    Podcast Description

    Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

    • 58 min

Customer Reviews

5.0 out of 5
11 Ratings

11 Ratings

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