ACap ReCap: Financial and Tax Tips: Recent Episodes

Ara Oghoorian

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

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 is
Accelerated depreciation explained
Cost segregation studies and how they work
Tax benefits for rental property owners
Offsetting rental income with depreciation
Passive activity loss considerations
Depreciation recapture risks
When cost segregation makes sense
Common mistakes real estate investors make

For more tax and financial planning insights, visit ACAP Advisors & Accountants.

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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

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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.

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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.

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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

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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/

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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.

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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.

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How Social Security Is Taxed, Avoid the 85% Tax Trap and Lower Your Retirement Taxes

Most retirees don’t realize up to 85% of their Social Security can become taxable, and one small mistake can cost you thousands.

In this video, Ara, wealth manager and CPA, breaks down exactly how Social Security benefits are taxed and how the IRS determines what portion of your income becomes taxable. This is one of the most misunderstood areas of retirement planning, and getting it wrong can significantly increase your lifetime tax bill.

We start with the fundamentals so you understand how the system works from the ground up. You’ll learn how to qualify for Social Security using the 40 credit system, how benefits are calculated using your highest 35 earning years, and how inflation adjustments impact your final payout.

From there, we walk through the IRS combined income formula, which determines whether your benefits are taxed at 0%, 50%, or up to 85%. This is not based on standard tax brackets, and that’s where many retirees get caught off guard.

We also break down real examples so you can clearly see how different income levels impact how much of your Social Security becomes taxable.

Finally, we cover advanced tax planning strategies to help reduce the tax impact, including:

• Timing when you claim Social Security

• Managing IRA and 401k withdrawals

• Strategic Roth conversions

• Using Qualified Charitable Distributions to lower taxable income

The goal is simple, keep more of what you’ve earned and avoid unnecessary taxes in retirement.

If you want to build a smarter retirement income strategy that integrates tax planning, investments, and Social Security, this is a must-watch.

For personalized financial planning, retirement investing, and tax strategy guidance: https://www.acapam.com/contact/

SocialSecurity #RetirementPlanning #TaxStrategy #FinancialPlanning #RetirementIncome

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How to Open Your First Investment Account and Buy Your First Investment, Step by Step Guide

If you have never invested before, this episode walks you through the exact process to open your first brokerage account, deposit money, and buy your first investment without beginner mistakes.

Learn the simple order of operations most new investors never get taught.

Many people delay investing because they believe it is complicated or that they need a lot of money to start. In reality, getting started is straightforward when you understand the basic steps. In this episode, we break down exactly how investment accounts work and how beginners can start investing with confidence.

You will learn what an investment account actually is, where to open one, and which type of account most beginners should start with. We also explain how to fund your account using ACH transfers, wires, or check deposits, and how to place your first investment purchase.

We also cover one of the most common starting points for new investors, an S&P 500 index fund, and why it offers instant diversification across hundreds of companies. Finally, we discuss several beginner mistakes that can hurt long term results, including overtrading, buying investments you do not understand, and leaving cash sitting uninvested.

If you are new to investing and want a clear, step by step roadmap, this episode will show you exactly how to open your account, fund it, and make your first investment.

Topics covered include:

• What an investment brokerage account is

• Where to open an investment account

• How to transfer money into your brokerage account

• How to buy your first investment

• Why many beginners start with an S&P 500 index fund

• Common mistakes new investors make

If you have questions or topics you would like covered in a future episode, leave a comment and let us know.

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Your Social Security check can drop by hundreds per month without warning. The reason is IRMAA, the Medicare surcharge that catches many retirees off guard.

In this episode, we break down exactly how IRMAA works in 2026, how the two year income look back rule impacts your Medicare premiums, and why higher Part B and Part D costs quietly reduce your monthly Social Security deposit.

You will learn:

• What IRMAA is and why it functions like a stealth tax

• How modified adjusted gross income determines your surcharge

• The 2026 IRMAA income brackets and premium jumps

• Why one high income year can follow you into retirement

• How IRMAA directly reduces your Social Security benefit

• When and how to appeal using Form SSA 44

• Smart planning strategies to avoid unnecessary Medicare premium increases

• How Roth conversions, capital gains, and RMDs can trigger higher premiums

If you are approaching Medicare, already collecting Social Security, or planning income in your early sixties, this episode is essential listening. The key is proactive income planning before Medicare begins, not reacting after your check gets smaller.

Understanding IRMAA is not optional if you want to protect your retirement income.

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Restricted Stock Units (RSUs) can be a powerful wealth-building tool — or a tax headache if mismanaged.

In this episode, we break down exactly how RSUs work, when you can sell them, how they’re taxed, and the key decisions high-income professionals need to make after vesting.

You’ll learn:

What RSUs actually are (and what “vesting” really means)
When you can sell your shares — and whether you should
The difference between income tax and capital gains tax on RSUs
How short-term vs. long-term capital gains impact your return
Why concentration risk can quietly destroy your portfolio
How cash flow needs and tax-loss harvesting strategies factor in

We also address one of the biggest misconceptions: Are RSUs double taxed? (Short answer: no — but there are two tax components you must understand.)

If you’re receiving equity compensation or planning around company stock, this episode will help you avoid costly mistakes and make smarter, forward-thinking decisions with your RSUs.

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Why can’t I contribute to a Roth IRA if I make too much?

The answer almost always comes down to one thing — Modified Adjusted Gross Income (MAGI).

In this episode, we break down the difference between Adjusted Gross Income (AGI) and Modified Adjusted Gross Income (MAGI) — two terms that sound similar but have very different impacts on your financial life.

You’ll learn:

How AGI is calculated directly from your tax return
What income counts (W-2 wages, capital gains, rental income, RSUs, Social Security, business income, and more)
Which deductions reduce your AGI (HSA contributions, SEP/SIMPLE IRA, self-employed health insurance, student loan interest, etc.)
Why itemized deductions and the standard deduction do NOT affect AGI
How MAGI is calculated by adding certain items back to AGI
Why MAGI determines eligibility for Roth IRA contributions, premium tax credits, education credits, child tax credits, and income-based student loan repayment

We also explain why lenders care about AGI — and why taxpayers often misunderstand what actually lowers it.

If you’ve ever been told your income is “too high” for a Roth IRA contribution, this episode will make it clear why — and what that really means for your tax planning strategy.

This is core tax planning knowledge. And if you earn a strong income, it’s not optional.

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Think your income is too high to contribute to a Roth IRA?

You’re not alone — and you’re not out of options.

In this episode, Ara breaks down how the Backdoor Roth IRA works and why many high earners can still contribute even after they’ve lost direct Roth access.

You’ll learn:

Why Roth IRA income limits exist
How the Backdoor Roth IRA strategy works in practice
The key tax rule you must follow to avoid mistakes
Why Roth IRAs can still play an important role in retirement planning

This strategy isn’t a workaround or a trick — it’s written into the tax code. But it must be done correctly to avoid tax issues.

If you’re a high earner trying to make smart retirement and tax decisions, this episode will help you understand whether a Backdoor Roth IRA may fit your situation.

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Most people overpay in taxes—not because they earn too much, but because they don’t plan.

In this episode, CPA and wealth manager Ara breaks down five practical tax strategies that can help reduce your tax bill by using the tax code the way it was intended. These aren’t loopholes or shortcuts—just smart planning concepts that many taxpayers overlook.

You’ll learn:

How tax loss harvesting works and when it makes sense
Why holding investments long enough can dramatically reduce taxes
The importance of diversifying across taxable, tax-deferred, and tax-free accounts
How borrowing against a portfolio can provide access to cash without triggering taxes
Why step-up in basis is a critical estate planning concept

Some of these strategies may apply to you, others may not—but understanding your options is the first step to better tax planning.

If you want to know which strategies actually fit your situation, talk with a qualified financial advisor or CPA before making changes.

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Every January, 1099 forms trip up business owners—and the mistakes aren’t harmless. File late, use the wrong form, or skip filing altogether, and the IRS penalties can get brutal fast.

In this episode, we break down exactly what a 1099 is, who must receive one, and when you’re required to file. You’ll learn the difference between a 1099-NEC and a 1099-MISC, the $600 threshold that actually matters, and why corporations aren’t always exempt. We also cover the most common (and costly) mistakes business owners make, including failing to collect W-9s and misunderstanding deadlines.

If you’re a business owner, freelancer, or advisor who wants to avoid unnecessary IRS penalties—and keep your compliance tight—this is required listening.

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In this episode, Ara sits down with serial entrepreneur Tristan Bordallo to break down what entrepreneurship actually looks like after the Instagram quotes fade away. Tristan shares his 22-year journey—from getting laid off, to bootstrapping a trucking brokerage, to buying six-figure trucks he didn’t even know how to drive.

They dig into the real mechanics of building a business that lasts: choosing the right entity, why operating agreements matter more than optimism, how partnerships can implode if you’re careless, and why most founders never build something sellable. Tristan also pulls back the curtain on hiring employees, letting go of control, managing cash flow, surviving audits, and operating in one of the most regulated industries in the country.

This is a straight-talk conversation about money, risk, regulation, and why loving the work—not chasing quick cash—is the only way to survive entrepreneurship long term. If you’re building (or thinking about building) a business, this episode will recalibrate your expectations fast.

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Before the year is over, there are still real, actionable steps you can take to reduce your tax bill and tighten up your investment plan—but once January hits, those opportunities disappear for good.

In this episode, we break down 7 critical money moves you should consider before December 31, including 401(k) contribution strategies (and what’s new for 2025), tax-loss harvesting, required minimum distributions, FSA deadlines, charitable giving tactics, business compliance items, and year-end equipment purchases that can accelerate deductions.

This isn’t theory. It’s a practical, no-nonsense walkthrough of what actually matters at year-end—and where people leave money on the table by waiting too long.

If you want to be more intentional with your money, minimize taxes, and avoid costly mistakes before the calendar flips, this episode is your checklist.

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In this case-study episode, Ara and Matt pull back the curtain on a real client scenario (names changed) featuring Jasmine, a 7-figure online content creator, and her husband George, a W-2 employee at a large company. Together, they walk step-by-step through how they take a chaotic, high-tax situation and turn it into a coordinated, long-term tax and retirement plan.

You’ll hear exactly why Jasmine’s single-member LLC structure is costing her tens of thousands in unnecessary payroll taxes, and how a simple S corporation election could save her over $75,000 per year. Ara and Matt also break down why the “buy rental real estate to lower your taxes” advice doesn’t work for high-income earners like Jasmine and George, and what to do instead.

In this episode, they cover:

Why a high-earning content creator should consider switching from single-member LLC to S corp
How S corp reasonable compensation works and where the real payroll tax savings come from
The difference between passive rental real estate losses and active income—and why high earners don’t get the deduction they think they’re getting
When a Solo 401(k) (a.k.a. Individual 401(k)) beats a SEP IRA, and how to stack employee deferrals + employer contributions
How the backdoor Roth IRA works—and how existing IRAs can quietly blow it up
Using a Solo 401(k) rollover to unlock the backdoor Roth strategy
The cash balance pension plan: a “401(k) on steroids” for very high-income years
Why owner-occupied commercial real estate is a completely different animal from rental property for tax strategy

If you’re a high-income professional or business owner (especially in a high-tax state like California) and feel like you’re flying blind with taxes and retirement, this walkthrough shows you how a coordinated plan can realistically create six-figure annual tax savings while rapidly building long-term wealth.

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Are you worried your business could be taken down by a hacker, ransomware attack, or one wrong click from an employee? In this episode, Ara sits down with Bonesy Ijeoma, founder and CEO of AllSafe IT and AllSafeIntelligence (and fellow EO Los Angeles member), to break down how small and mid-sized businesses can turn IT from a constant liability into a true force multiplier.

Bones shares his journey from teenage tech whiz helping his dad’s accounting firm, to database developer, to consultant, to building multiple IT and AI companies that support airport retailers and growing businesses across the country. Together, they dig into what managed IT actually is, why it matters more than you think, and how AI can radically streamline your operations without losing the human touch your clients expect.

You’ll learn:

What a managed IT provider really does day-to-day (beyond “fixing computers”)
Why onboarding and offboarding employees is a critical security risk most owners underestimate
The three biggest warning signs your business and data are already at risk
How to think about Google Workspace vs Microsoft 365 as you grow
Practical ways to use AI today (including how Ara’s firm uses it to troubleshoot tax software)
Why AI should start with business problems, not shiny tools
How infrastructure-as-a-service and remote desktops can secure a distributed workforce
Where AI has the highest impact: eliminating copy-paste and low-value busywork so your best people can do their best work

If you’re a business owner who’s been DIY’ing IT, dealing with recurring outages, or wondering how to use AI without creating chaos, this episode will give you a clear, practical roadmap—and a few hard truths—on how to keep your company safe and ready to scale.

Guest Contact Info

Bones Ijeoma | AllSafeIt

Managing Partner

(888) 400‑2748 ext.115
https://allsafeit.com

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Too many investors make the same avoidable mistakes with Roth IRAs — and it often comes from believing outdated or flat-out wrong information. In this episode, we break down the five biggest misconceptions people have about Roth IRAs and explain what the rules actually say. If you’ve ever thought you make too much to contribute, assumed Roths are only for young investors, or believed you can tap all the money whenever you want, this conversation will straighten it out.

In this episode, ACap partners Ara & Matt walk through income limits, backdoor strategies, withdrawal rules, conversions, future tax brackets, and why so many people misunderstand how Roths fit into a long-term financial plan. If you want clarity — not noise — on how to use Roth IRAs the right way, this episode is the blueprint.

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Every successful business and real estate investor needs the right financing—but how do banks actually decide who gets approved? Ara sits down with Mike Henry, Chief Credit Officer at Mission Valley Bank, to reveal what lenders really look for, how underwriting works, and what business owners can do to improve their odds.

You’ll learn:

The key factors banks use to approve or deny loans
How to choose the right type of financing
What “cash flow is king” really means for borrowers

Who this is for: Perfect for small business owners and real estate investors preparing for their next big loan.

Resources:

*To explore your options with Mission Valley Bank, contact Michael Henry at mhenry@missionvalleybank.com

**If you’re exploring financing, loop in your CPA and advisor early to prep clean financials and speed up underwriting.

Disclosure: The host serves on the Board of Directors of Mission Valley Bank.

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If you own shares of QQQ and your phone won’t stop ringing, there’s a reason—and it’s not spam. In this episode, Ara breaks down the proxy vote that’s triggering the nonstop calls, texts, and emails. He cuts through the noise and explains why QQQ is restructuring, what the vote is actually about, and how the proposed changes—like lowering the expense ratio—impact your portfolio. You’ll learn what a proxy vote is, why the fund needs a quorum, and why your participation matters even though voting isn’t mandatory. A straightforward, no-nonsense guide to understanding what’s going on with one of the most popular ETFs in the world.

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If SBA financing still feels like a black box, this conversation will flip on the lights. Senior Vice President and National Sales Manager for SBA Lending at Mission Valley Bank, Michael Carlson (UCLA Anderson MBA, CFP® professional), joins us to break down what SBA loans really are, how they’re funded, and when they’re a better fit than conventional bank loans.

We cover the two flagship programs—7(a) and 504—including when to use each, how the 504’s two‑loan structure with a CDC works, and why the 7(a) is often chosen for flexibility. Michael explains down payment requirements (including scenarios that can be effectively 0% down for owner‑occupied real estate expansions), fixed vs. variable rates, 25‑year vs. 10‑year amortizations, and when short interest‑only periods make sense.

You’ll also hear how lenders actually underwrite these deals:

What lenders look for beyond credit scores: character, relevant experience, and global cash flow.
Cash‑flow math made simple: add‑backs (depreciation, amortization, interest, officer comp adjustments, rent replacement), and why DSCR of ~1.25x is standard (SBA can go down to ~1.15x in some cases).
Collateral & guarantees: how SBA collateral “discounts” work, when personal real estate may be pledged, and why 20%+ owners must personally guarantee.
Prepayment penalties explained: typical 7(a) 5‑3‑1 vs. 504 schedules (e.g., 5‑4‑3‑2‑1 and longer) and the >20% annual prepay trigger.
Timeline & costs: realistic 45–90 day process and the SBA guarantee fee (often up to ~3.75%) that can be financed into the loan.
Myth‑busting: SBA doesn’t lend directly (banks do), it isn’t free money, and it isn’t a one‑day approval—or a year‑long gauntlet.

Who this is for: Business owners buying or refinancing owner‑occupied real estate, acquiring a company, funding equipment or inventory, or seeking working capital—especially first‑timers who want a clear, candid walkthrough of the process and paperwork (tax returns, PFS, debt schedules, resumes, and more).

Resources:

*To explore your options with Mission Valley Bank, contact Michael Carlson at mcarlson@missionvalleybank.com,

*If you’re exploring SBA financing, loop in your CPA and advisor early to prep clean financials and speed up underwriting.

Disclosure: The host serves on the Board of Directors of Mission Valley Bank.

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Ever wonder how wealthy families preserve and grow their wealth — while paying minimal taxes and passing fortunes to future generations tax-free? In this episode, Ara breaks down the world of family offices, one of the fastest-growing sectors in global wealth management.

You’ll learn how a family office integrates investing, tax strategy, estate planning, philanthropy, and liquidity management into a single, coordinated system designed to preserve and grow wealth for generations. Ara also explains the eight core functions of a modern family office — from global asset allocation to legacy planning — and why traditional wealth management often falls short for high-net-worth families.

If you’re a successful entrepreneur, executive, or investor looking to create generational wealth and minimize taxes, this episode is your roadmap.

Key Topics Covered:

What a family office is and why they’re booming
The eight core areas every family office manages
How tax strategy and investments work together
Estate planning and legacy structures that protect wealth
Charitable giving that builds impact and tax efficiency
How family offices coordinate advisors for seamless wealth management

Learn how the ultra-wealthy turn complexity into clarity — and how you can apply the same principles to your own wealth strategy.

👉 Connect with Ara at ACap Advisors & Accountants to start building your family office strategy today.

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Confused about LLC vs S corp vs C corp? In this episode, Ara (wealth manager & CPA) breaks down how entity choice impacts taxes, liability, investors, and growth.

Make a smart decision now to avoid painful (and expensive) fixes later.

Starting a business is thrilling—until you hit the wall of entity selection. In this clear, no-jargon walkthrough, Ara explains how to choose the right structure for your goals. You’ll learn how entity type affects self-employment tax, liability protection, investor appeal, stock options, QSBS, QBI, and more. We cover the real-world tradeoffs of Sole Proprietorships, Partnerships, C Corporations, S Corporations, and LLCs—plus when each one shines.

What you’ll learn

The key questions to answer before picking an entity (owners, investors, revenue, industry, role, citizenship, stock incentives, IPO plans)
Sole Proprietorship: simplicity vs. unlimited liability and self-employment tax
Partnerships: flexible profit splits, K-1s, and common pitfalls (conflicts, continuity, guaranteed payments)
C Corporations: investor-friendly, multiple share classes, QSBS potential—and double taxation
S Corporations: pass-through taxation, payroll/tax efficiencies, QBI benefits—and strict ownership limits
LLCs: the hybrid chameleon (disregarded, partnership, S- or C-corp election) and how to match the tax status to your goals
Practical “fit” examples: side hustles, real estate, professional services, venture-backed growth, and family businesses

Need help choosing your entity or planning a tax-efficient setup? Contact Ara’s team: https://www.acapam.com/contact/

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The Roth IRA is often called the “holy grail” of retirement accounts — tax-free growth, tax-free withdrawals, and no required minimum distributions. But what if putting all your money in Roth accounts could actually hurt your long-term plan?

In this episode, Ara, a Wealth Manager and CPA, explains why going “all Roth” can backfire — and how to build a smarter, more flexible retirement strategy. You’ll learn:

Why future tax laws could make Roth IRAs less advantageous
The importance of balancing across the three tax buckets
How Congress has changed “tax-free” rules before — and could do it again
What smart investors are doing to protect themselves from shifting tax policy

Whether you’re already contributing to a Roth IRA or considering conversions, this episode will help you make informed, tax-efficient decisions about your financial future.

🔹 Learn more about financial planning, retirement investing, and tax strategy at www.acapam.com

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Thinking about how to invest for retirement — but not sure whether to choose a Roth IRA or a Traditional IRA? In this episode, Ara breaks down the key differences between these two powerful retirement accounts and explains how to decide which one fits your financial goals.

You’ll learn:

✅ How each IRA impacts your taxes — now and in retirement

✅ Who benefits most from a Roth vs. a Traditional

✅ How to use income projections to choose the smarter option

✅ Real-world examples that show the long-term difference in after-tax wealth

Whether you’re just getting started with retirement investing or rethinking your tax strategy, this episode will help you make a confident, informed choice.

🎧 Tune in now and discover which IRA could save you thousands over time.

RetirementPlanning #RothIRA #TraditionalIRA #TaxStrategy #FinancialPlanning #WealthManagement #RetirementInvesting #FinancialEducation #ACapAdvisors

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ACap's Financial Quick Tips

What is a Roth IRA (and why so many people love it)?

Short answer: it’s an individual retirement account you open on your own, fund with after-tax dollars, and—here’s the magic—your investments can grow tax-free and come out tax-free in retirement (if you follow the rules). In this episode, we break down how Roth IRAs work, who can contribute, the 5-year rule, why there are no RMDs, and the biggest mistakes to avoid.

What we cover

Roth IRA 101: Where it came from, how contributions & tax treatment differ from Traditional IRAs
Account vs. investment: A Roth is the wrapper—you still have to choose what to invest in
Who can contribute: Earned-income requirements, spousal contributions, and annual limits + deadlines
Income phase-outs: How MAGI affects eligibility (and when a backdoor Roth may make sense)
The 5-year rule: How it applies to contributions vs. earnings—and why conversions have their own clock
Early-withdrawal exceptions: First-home purchase, qualified education/medical costs, disability, SEPPs, and more
No RMDs: Why Roth IRAs aren’t subject to Required Minimum Distributions during your lifetime—and how that helps taxes, Medicare premiums, and estate planning
Real-world math: A simple example comparing Roth vs. brokerage vs. Traditional IRA outcomes

Common Roth mistakes to avoid

Contributing when your income is too high (and having to undo it)
Missing the deadline (typically mid-April for the prior year)
Over-contributing across multiple IRAs (the limit is combined)
Not investing the cash after you fund the account
Forgetting the 5-year clock before taking earnings
Outdated beneficiaries (don’t let assets default to the wrong person)

Why this matters

Used correctly, a Roth IRA can be one of the most powerful, flexible, and tax-efficient tools in your retirement plan—especially when paired with other tax buckets (taxable, tax-deferred, tax-free).

If this helped, follow/subscribe and share the episode. Have a Roth question you want answered next? Drop it in the comments!

Note: Contribution limits, MAGI thresholds, and state tax treatment can change. Check the latest figures and your state’s rules (we’ve linked current limits in the show notes). This episode is for education only—not tax, legal, or investment advice.

How much do you really need to retire?

Spoiler: there’s no “magic number.” In this episode we unpack why your retirement target depends on your lifestyle, spending, longevity, inflation, investment mix, taxes, and how you turn savings into income. We walk through practical frameworks you can use today—without cookie-cutter rules—so you can retire with confidence and keep adapting as life changes.

In this episode you’ll learn:

Why “$1M vs. $5M” is the wrong question—and what to ask instead
How to separate fixed expenses (housing, insurance, Medicare premiums) from discretionary (travel, dining, hobbies)
The three retirement phases: Go-Go, Slow-Go, No-Go—and how spending typically shifts
What the 4% rule does (and doesn’t) assume, plus dynamic withdrawal strategies tied to market conditions
Balancing guaranteed income (Social Security, pensions, annuities) with market-based income (IRAs, 401(k)s, brokerage)
Inflation’s “silent” impact and why portfolio rebalancing matters when taking withdrawals
Smart tax planning across the three tax buckets (taxable, tax-deferred, tax-free) for more flexible, efficient income
Social Security timing: longevity, COLA effects, earning-year tradeoffs, and why “it depends” is the honest answer
Medicare & IRMAA basics, budgeting for healthcare/long-term care, and why we love HSAs (triple-tax advantage)
The often-overlooked piece: being emotionally ready to shift from saving to spending

Who this is for

Pre-retirees, early retirees, and anyone wondering, “Will my money last?”

Takeaway

Ditch the one-size-fits-all target. Build a plan around cash-flow needs, realistic spending, inflation, taxes, and adjustable withdrawals—then revisit it regularly.

Resources mentioned

Fixed vs. discretionary spending worksheet (create your own or ask your advisor)
HSA & Medicare/IRMAA guidelines (check the latest thresholds)
Portfolio rebalancing & withdrawal policy statement (keep it written!)

If this helped, follow/subscribe and share the episode. Got a question you want us to cover next? Send it in and we’ll add it to the queue!

Disclaimer: This conversation is for educational purposes only and not financial, tax, or legal advice. Consult your own advisor for guidance specific to your situation.

Case Study: Mark & Joanna — Building Wealth, Buying a Home, and Planning for the Future

In this episode, we walk through a real-life (names changed) client case to show how we approach comprehensive financial planning from start to finish. Meet Mark and Joanna — a high-earning couple in Los Angeles juggling demanding careers, twin teenagers in private school, and big goals for their financial future.

We break down how we analyzed their full financial picture — investments, taxes, stock options, insurance, and estate planning — to create a plan that helps them grow and protect their wealth in a tax-efficient way.

In this episode, you’ll learn:

How we evaluated whether they could upgrade homes and still keep their first property as a rental
Why we recommended backdoor Roth IRAs, Roth 401(k) contributions, and HSA funding
The pros and cons of RSUs vs. ISOs — and which made more sense for Mark
Why we replaced their target date funds with a diversified ETF portfolio
How we improved their tax strategy by adjusting withholdings and stock compensation planning
The importance of life insurance, umbrella coverage, and a proper estate plan for families with young kids

If you’ve ever wondered what it’s like to work with a financial advisor — or how professionals build a coordinated plan around real-world goals — this episode pulls back the curtain.

Disclaimer: This case study is based on real client experiences, but names and details have been changed for privacy. This content is for educational purposes only and should not be taken as personalized financial, tax, or legal advice.

The right business structure could save you thousands in taxes.

If you’re wondering which entity to start — LLC, Sole Prop, or S Corp — this episode is for you. We break down 9 powerful benefits of an S Corporation, including how it can reduce your payroll tax, provide liability protection & greater audit protection, and more.

🎧 Hosted by Ara Oghoorian, CFA, CFP®, CPA, Founder & President of ACap Advisors & Accountants.

👉 Watch on YouTube: 9 Benefits of an S Corp

In this ACap ReCap episode we explain what are pass-through entities, their types, the advantages and disadvantages of pass-through entities, and whether or not this is the right business structure for you.

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Are you 65 or older? The new 2025 tax bill (OBBBA) introduces a $6,000 bonus deduction — up to $12,000 for married couples, that could help lower your taxable income and even reduce taxes on your Social Security benefits.

In this video, we answer your most common questions:
✅ Who qualifies and how much you can claim
✅ How long this deduction will last
✅ Income limits and phase-outs
✅ How this affects Social Security taxes
✅ Tips to maximize your savings

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The “No Tax on Tips” provision in the new federal spending bill creates a special deduction for tipped workers, lowering what they owe in federal income tax starting in 2025. But tips are still subject to state and local income taxes as well as payroll taxes (Social Security and Medicare).
In this episode, Ara Oghoorian explains who qualifies, what counts as qualified tips, the $25,000 deduction limit, and the income phase-outs, based on the latest IRS update.

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In this episode, Ara Oghoorian, CFP®, provides an important update on the "No Tax on Overtime" provision included in the One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025. Since the IRS has now released an official Fact Sheet with further guidance, this video addresses the most frequently asked questions we received following our previous video on the new legislation.

Ara breaks down what the new federal deduction for overtime pay really means, what qualifies, how much you can deduct, whether you need to itemize, and how this may affect both employees and employers.

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In this episode, Ara Oghoorian, CFP® explains what to do when you have leftover money sitting in a 529 college savings plan and how to actually use it wisely.

College is expensive, and 529 plans are a great way to save while getting some tax advantages. But what if your kid got a scholarship, stayed local, or didn't use the money at all? Now you have extra funds in the account - what can you do with that money?

We cover everything from changing the beneficiary to rolling the money into a Roth IRA, plus a few other things most people don’t even know they can do with unused 529 funds.

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UTMA, UGMA and 529 plans are all great options for parents who want to save up for their child's future. But let's compare them to see which one is better for you.

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Confused by all the fund options out there? In this episode, we break down the core differences between Index Funds, Mutual Funds, and ETFs, so you can decide what fits your financial goals. Learn how each type works, what sets them apart, the pros and cons of active vs. passive strategies, and how fees, flexibility, and performance play into the decision.

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President Trump’s One Big Beautiful Bill has officially passed, and it comes with sweeping changes that could directly impact your taxes, healthcare, and government benefits.

The bill makes the 2017 tax cuts permanent, introduces new deductions for tip income and overtime, imposes work requirements for Medicaid and SNAP recipients, and redirects federal spending toward defense and border security.

It also eliminates several clean energy tax credits while expanding fossil fuel incentives, raising questions about its long-term fiscal and social impact.
In this episode, Ara Oghoorian, breaks down what the bill actually means for you. From new tax rules and benefit reductions to shifts in federal spending priorities, Ara explains the key takeaways in simple, practical terms.

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In this episode, we explore how Treasury Bills (T-Bills) are taxed, how to buy and sell them, what happens when they mature, and how to calculate their tax-equivalent yield. We also compare T-Bills to other fixed-income options like CDs to help you evaluate whether they’re the right choice for your investment strategy.

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If your home was destroyed or severely damaged in the recent California disasters, you may be eligible for a $20,000 grant through the Cal Assistance Mortgage Fund. In this video, I walk you through the program details, eligibility requirements, income limits by county, property and mortgage qualifications, and the full list of documents you’ll need to apply.

The application portal opens June 12, 2025, so it’s important to prepare early. Whether you're in Los Angeles, Sacramento, San Francisco, or another affected area, this video will help you understand if you qualify and how to get started.

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The S&P 500 index fund is simple, low-cost, and backed by decades of strong performance, but it’s not a complete strategy. Putting all your money into one index could expose you to unnecessary risks and limit your long-term growth.

In this episode, Ara Oghoorian, CFP, CFA and founder of ACap Advisors & Accountants, breaks down:

What the S&P 500 really is and how it works
Why it’s a smart investment for many investors
And why diversification is still essential, even if you love the S&P 500

Whether you’re just starting out or reevaluating your portfolio, this video will help you invest with more clarity, confidence, and purpose.

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In this episode, we cover the most important Social Security changes for 2025 and what they could mean for your future benefits. From the official 3.2% COLA adjustment to updates in earnings limits and monthly benefit amounts, these changes may directly impact current recipients and those planning for retirement.

Here’s what you’ll learn:
– The 2025 COLA (Cost-of-Living Adjustment) and how it affects your monthly benefits
– Increased earnings limit for individuals collecting Social Security before full retirement age: now $22,300
– Updated maximum benefit for those retiring at full retirement age: now $3,900 per month

We’ll also discuss key legislative proposals:
– What’s in the Social Security Fairness Act currently under consideration in Congress
– Proposed changes to Social Security benefits under President Trump’s 2025 policy platform

These updates are critical for retirees, workers nearing retirement, and anyone who relies on Social Security benefits. Staying informed now can help you make better financial decisions for the future.

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Stagflation is an unusual and troubling economic condition where three things happen at once: inflation stays high, economic growth slows down, and unemployment remains elevated. It’s a term that gained attention in the 1970s and continues to be relevant today, especially as concerns about stagflation in 2025 grow.

➞ Stagflation causes
Unlike typical economic cycles where inflation rises during growth and falls during recessions, stagflation defies that pattern. It’s often triggered by a combination of supply shocks (like a sudden spike in oil prices), poor economic policy decisions, or external global pressures. These factors push prices up while slowing productivity and job creation.

➞ Stagflation vs inflation
While inflation on its own refers to rising prices, stagflation adds two more layers of difficulty: slow growth and job losses. That combination makes it especially hard to manage, as traditional tools to fight inflation (like raising interest rates) can worsen unemployment.
In this video, we break down what stagflation means, where it comes from, and how it affects everyday life, investments, and the broader economy.

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Congress has introduced the highly anticipated One, Big, Beautiful Bill which is a cornerstone of the new Trump tax plan. In this video, we break down every major provision of this proposed legislation and what it could mean for individuals, families, and businesses across the U.S.

What's included in Trump's tax new bill:

Individual Income Tax Rate
Standard Deduction Increase
Expanded Child Tax Credit
MAGA Accounts for Kids
QBI Deduction Increase
Estate and Gift Tax Exemption Increase
MT Thresholds Made Permanent
Section 179 Expensing Expansion
1099 Reporting Threshold Changes
No Tax on Tips (up to $10K)
Overtime Pay Deduction
Car Loan Interest Deduction
Charitable Deduction for Non-Itemizers

What’s NOT included in the new bill:

Social Security income exclusion
SALT deduction cap changes
Mortgage interest deduction changes

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Thinking about investing in gold now? Learn the pros and cons of gold, gold ETFs, and gold IRAs.

In this episode, Ara Oghoorian and Matt Crisafulli from ACap Advisors & Accountants break down everything you need to know about investing in gold. From coins and bars to gold ETFs, they explore the pros and cons of gold as an investment, its role in a portfolio, tax implications, and whether it belongs in your IRA or 401(k). If you're wondering how to invest in gold or whether gold is a good investment, this video is for you.

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Trump tax cuts are going to be the largest in American history, and they will bring HUGE tax changes for you!

President Trump is pushing hard to pass new tax legislation this year, and it could bring major changes to how you pay taxes. Whether you're a service worker, retiree, small business owner, or someone looking to maximize your paycheck, these proposed changes will affect you.

In this episode, Ara Oghoorian explains the Trump Tax Cuts top priorities, which tax changes are coming, and who will benefit or lose from them.

Tune in now as your taxes may be significantly changed under Trump’s new tax cuts.

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Not all dividends are taxed the same, and understanding the difference could save you money.

In this episode, we break down qualified and non-qualified dividends, how each is taxed, what to watch for during tax season, and how to tell which kind you’re receiving.

If you’ve ever wondered how dividends impact your tax bill, this one’s for you.Tune in for a clear, straightforward explanation that helps you make smarter financial decisions.

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In this episode, we break down the essential differences between Exchange-Traded Notes (ETNs) and Exchange-Traded Funds (ETFs). While they may seem similar, these investment products have distinct characteristics that every investor should understand. We’ll explore the benefits and drawbacks of ETNs, compare them to ETFs, and help you decide which might be the better option for your portfolio.

Tune in to learn more about how these investment vehicles work and which might be right for you!

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Tax season can be confusing, especially when you're dealing with multiple forms like the W-2, W-9, and W-4. Each of these documents serves a different purpose, and filing the right one is crucial for ensuring your taxes are accurate.

A W-2 is issued by employers to report an employee’s earnings and tax withholdings for the year. If you’re a traditional employee, you’ll receive this form to use when filing your tax return. A W-9, on the other hand, is used by independent contractors and freelancers to provide their taxpayer identification number (TIN) to clients. This form helps businesses issue a 1099-NEC, which reports non-employee compensation to the IRS. Meanwhile, a W-4 is filled out by employees when they start a new job, allowing them to adjust the amount of federal tax withheld from their paychecks.

Understanding the differences between these forms ensures you stay compliant with tax laws and avoid potential issues down the line. In today’s episode, we break down each form in detail to help you determine which one applies to you.

At ACap Advisors & Accountants, we provide expert financial and tax guidance to individuals and businesses. As a full-service wealth management and CPA firm based in Los Angeles, we’re here to help you navigate the complexities of tax planning with confidence.

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In this podcast, we break down everything you need to know about Treasury Bills (T-Bills): from taxation to buying and selling, and what happens when they mature. We cover why T-Bills are popular, how they compare to bonds and notes, and whether they’re a better investment than CDs. You'll also learn about their tax treatment, including state, federal, and capital gains taxes, as well as how to calculate their tax-equivalent yield. Plus, we discuss how to purchase T-Bills, what happens if you sell before maturity, and whether they’re FDIC insured.

Tune in for a clear and practical guide to navigating T-Bills!

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Homeowners insurance is more than just a policy—it’s peace of mind. In this episode, we break down the essentials: what homeowners insurance covers, the key components of a standard policy, and the difference between replacement cost and actual cash value. We’ll also cover personal property protection, liability coverage, and how to find a reliable insurance agent. If you’re a homeowner or planning to be one, this episode will help you make informed decisions about protecting your home and assets.

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homeowners #homeownersinsurance #insurance #homeownerspolicy

DISCLAIMER: THIS EPISODE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

Trump’s 2025 tax proposals could dramatically reshape the financial landscape for both individuals and businesses. Significant changes could include the elimination of taxes on Social Security income, tips, and overtime pay, providing relief to workers in various sectors. These proposals also extend to corporations, where Trump’s plan suggests a permanent reduction in the corporate tax rate to 21% and the full repeal of the corporate Alternative Minimum Tax (AMT).

Additionally, the plan could bring new tax benefits, such as deductions for auto loan interest and expanded allowances for small businesses. While some of these measures may face uncertainty in Congress, others like the extension of the Tax Cuts and Jobs Act are expected to pass.

👉 Stay informed and learn how these shifts might impact your taxes, deductions, and financial planning as 2025 approaches.

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trumptaxes #trumptaxplan #trump2024campaign #taxplanning #taxplanningtips #trump2025

DISCLAIMER: THIS EPISODE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

In this episode, we’ll explain California Assembly Bill (AB) 150 and its impact on business owners and taxpayers. Here’s what we'll cover:

What is California AB 150?
The Small Business Relief Act under AB 150
Which entities qualify and don’t qualify
How to calculate the potential tax benefits
Important tax deadlines for AB 150
Potential downsides to consider

Check out our blog posts:
What is California AB 150: SALT Workaround:
https://www.acapam.com/taxes/what-is-california-ab-150-salt-workaround/

What is qualified business income tax deduction?
https://www.acapam.com/webinar/qbitaxdeduction/

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

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fiduciaryfinancialadvisor #AB150

In this episode, we break down everything you need to know about index funds—what they are, how they work, and why they’re considered a popular choice for both beginner and experienced investors. We’ll explore some of the most common types of index funds, including the Dow Jones Industrial Average, the S&P 500 Index, the NASDAQ Composite, and a few international options, providing insights into their unique characteristics and benefits.

We’ll also discuss the key differences between mutual funds and exchange-traded funds (ETFs), helping you understand which might be the better fit for your financial goals. Whether you’re looking to start investing or refine your strategy, we’ll guide you step-by-step through the process of choosing the right index fund, opening an account, and making your first investment.

Plus, we’ll share tips on the long-term benefits of index fund investing, including low costs, diversification, and the potential for steady growth. This episode is packed with practical advice to help you feel confident about entering the world of index fund investing.

Tune in to learn how index funds can become a cornerstone of your financial strategy!

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Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

In my previous episodes, I talked about what a 529 Plan is and shared its advantages and disadvantages. In this episode, we’re diving deeper into this amazing plan to uncover the full list of eligible expenses. From tuition and books to adjusted qualified education expenses (AQEE) and what doesn’t qualify, this episode has all the insights you need to make the most of your 529 Plan.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Subscribe to ACap Advisors & Accountants YouTube Channel:
https://www.youtube.com/c/Acapam/feat...

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Connect with ACap on social media:
Twitter: https://twitter.com/acapam
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/
Instagram: https://www.instagram.com/acapadvisorsaccountants/

Fiduciary Oath/Pledge
https://www.acapam.com/financial-advi...

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor

DISCLAIMER: THIS VIDEO IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

In this episode, Ara Oghoorian discusses the newly passed H.R.82 bill, the Social Security Fairness Act, and how it could significantly increase your Social Security benefits. He breaks down the key elements of the bill, including the Windfall Elimination Provision and the Government Pension Offset, explaining how they impact you. Ara also guides you through the process of calculating your benefit increase and shares insights on when President Biden might sign the bill into law, offering a clear picture of what this change means for your Social Security benefits.

The Social Security Fairness Act (H.R.82) marks a transformative milestone in U.S. retirement policy. Recently passed by the Senate and awaiting the President's signature, this legislation seeks to eliminate the long-standing Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). These provisions have historically reduced Social Security benefits for millions of public sector employees, who also receive non-covered pensions. Once enacted, the Act will increase Social Security benefits for an estimated two million Americans, with retroactive payments effective January 1, 2024. Over the next decade, it is projected to provide $196 billion in additional benefits, significantly enhancing retirement income for many while addressing decades-old inequities in the Social Security system.

👉 Open Your Social Security Account
https://www.ssa.gov/

👉 Social Security Windfall Elimination Provision (WEP) Online Calculator
https://www.ssa.gov/benefits/retirement/planner/anyPiaWepjs04.html

✅ Schedule a Free Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Connect with ACap on social media:

Twitter: https://twitter.com/acapam/
Instagram: https://www.instagram.com/acapadvisorsaccountants/
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/

DISCLAIMER: THIS VIDEO IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

As we approach the end of the year, it's time to prepare for a financially smart 2025. Here are 11 key tax tips to consider:

Maximize 401k contributions
Harvest losses
Gift $16,000 to lower your taxable estate
Roth IRA conversion
Defer income
Paying for medical or college bills
Qualified Charitable Distribution
Charitable donations
Donate appreciated stock
Create a Donor Advised Fund (DAF)
Spend your Flexible Spending Account (FSA)

These strategies can help you reduce your tax liability and prepare for a more financially secure year ahead. Reach out if you need more guidance on any of these!

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode we talk about a dividend yield and its calculation.

A dividend yield is a financial ratio used to gauge your performance and rate of return on a stock.

It’s calculated by taking the total dividend paid and dividing it by the price of the stock at any given point.

➝ If the price of the stock goes up and the dividend stays the same, your yield goes down.

➝ If the price of the stock goes down and the dividend stays the same, your yield goes up.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Connect with ACap on social media:

Twitter: https://twitter.com/acapam/
Instagram: https://www.instagram.com/acapadvisorsaccountants/
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/

Exchange-traded notes are sometimes confused with exchange-traded funds, but they are very different. In this episode, we talk about exchange-traded notes (ETNs), their advantages and disadvantages, and then compare ETNs with exchange-traded funds (ETFs).

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Connect with ACap on social media:

Twitter: https://twitter.com/acapam/
Instagram: https://www.instagram.com/acapadvisorsaccountants/
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/

In this episode, I break down the differences between Index Funds, ETFs, and Mutual Funds to help you make a better-informed decision on which one is the right investment decision for you.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Connect with ACap on social media:

Twitter: https://twitter.com/acapam/
Instagram: https://www.instagram.com/acapadvisorsaccountants/
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/

DISCLAIMER: THIS VIDEO IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

In this episode, we talk about what index funds are and how they work. We also cover the most common types of index funds, like the Dow Jones, S&P 500 index, NASDAQ, and some of the most well-known international index funds. We also discuss the differences between mutual funds and exchange-traded funds (ETFs), and guide you on how to choose the right fund for you, open an index fund account, and buy your first index fund.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Connect with ACap on social media:

Twitter: https://twitter.com/acapam/
Instagram: https://www.instagram.com/acapadvisorsaccountants/
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/

In this episode, we’re talking about 529 plan qualified expenses.

We’ll walk you through what you can use your 529 plan for and share some helpful tips to make sure you're getting the most out of it.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

In this episode Ara & Matt explain what to consider when deciding whether to pay off your mortgage.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode, we're going to discuss EV tax credit, and how you can qualify for it in 2024.

Schedule a consultation with ACap fiduciary financial advisors:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode we talk about mortgage loans, what you need to know about getting a home mortgage.

Starting from the mortgage process and required documentations to the key factors in purchasing home, we cover all the important things you need to know about mortgage loans, including what you should avoid and how you can benefit from the home mortgage if you are a self-employed or a business owner.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

DISCLAIMER: THIS VIDEO IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

In this episode, we talk about Treasury Bills (T-Bills) taxation, how to buy and sell T-Bills, what happens when T-Bills mature and how to calculate their tax equivalent yield.

Read the full article on T-Bills taxation at https://www.acapam.com/blog/how-are-treasury-bills-t-bills-taxed/

Subscribe to ACap YouTube Channel:
https://www.youtube.com/c/Acapam/featured

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Connect with ACap on social media:

X: https://www.x.com/acapam/
Instagram: https://www.instagram.com/acapadvisorsaccountants/
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/

DISCLAIMER: THIS EPISODE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

The Dow Jones Industrial Average is the most well-known share index in the USA. In this episode we talk about why it is so important and how to invest in the Dow.

Read the full article:
https://www.acapam.com/fiduciary/what-is-the-dow-jones-industrial-average-djia/

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

In this episode, we talk about the stock splits. We'll answer key questions, such as: What exactly is a stock split? What's the difference between a forward and reverse stock split? Are stock splits good or bad for investors? We'll also explore how stock splits impact your cost basis and taxes.

Read Full Article:
https://www.acapam.com/blog/whats-a-stock-split-and-how-does-it-impact-cost-basis/

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Cash Balance plans offer a great way to boost your retirement savings, lower your taxes, and speed up your savings during high-income years. They provide more flexibility compared to traditional pension plans, yet allow for high annual contributions and are often paired with existing 401(k)/profit sharing plans. In this episode, ACap's Matt Crisafulli is joined by Kevin Palm of Kravitz, Inc., An Ascensus Company, to discuss the fundamentals of Cash Balance Plans.

What You Will Learn:

Determining if your business is suitable for a Cash Balance plan
Differences between a Cash Balance plan and other retirement savings options
Potential savings with a Cash Balance plan
How a Cash Balance plan can help reduce your taxes

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Stock splits - are they good or bad for investors.

Tune in to this episode as we cover:

What is a stock split?
What is the difference between a forward and a reverse stock split?
Is a stock split good or bad for investors?
How does a stock split affect my cost basis?
How does a stock split affect my taxes?

Read Full Article:
https://www.acapam.com/blog/whats-a-stock-split-and-how-does-it-impact-cost-basis/

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode we discuss:

An explanation of what a trust is.
Determining whether you need to set up a trust.
Situations where a trust might not be necessary.
Understanding the probate process.
Whether you need a lawyer to set up a trust.

Read full article:
https://www.acapam.com/taxes/what-is-a-trust-and-do-i-need-one/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Schedule a free Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Fiduciary Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

In this episode, we cover several important topics related to fiduciary financial advisors.

First, we explain what a fiduciary financial advisor is, detailing their responsibilities and how they differ from other types of financial advisors.

Next, we discuss how you can determine if your financial advisor is a fiduciary, highlighting key indicators and questions to ask.

We also explore the various ways a fiduciary financial advisor gets paid, clarifying the fee structures and compensation models they may use.

Finally, we provide guidance on how to find a fiduciary financial advisor, offering tips and resources to help you make an informed choice.

Tune in now and for consultations contact us at:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Fiduciary Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Cash Balance plans offer a strategic avenue to enhance retirement savings, optimize tax efficiency, and capitalize on earning potential, particularly during high-income phases. These plans provide more flexibility than traditional pension options while enabling substantial annual contributions, often complementing existing 401(k) or profit-sharing arrangements. In this episode, ACap's Matt Crisafulli is joined by Kevin Palm of Kravitz, Inc., An Ascensus Company, to provide a comprehensive overview of Cash Balance Plans.

Join us to learn:

Determining the suitability of a Cash Balance plan for your business
Differentiating Cash Balance plans from alternative retirement savings vehicles
Estimating potential savings opportunities through plan adoption
Exploring the tax advantages associated with Cash Balance plans

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Are you looking to save for your child's future education expenses?

In my previous episodes, I discussed the benefits and drawbacks of 529 plans. Today, let's delve deeper into this fantastic savings option and explore the wide range of expenses it covers.

Stay tuned for valuable insights on maximizing the benefits of a 529 plan!

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor

Are you aware that you can allocate your required minimum distribution (RMD) to charity? It's a fantastic opportunity to give back! In this episode, we'll delve into:

Understanding RMD and its mechanics
Exploring qualified charitable distribution (QCD) and the process of donating your RMD
Limits on contributions via qualified charitable distribution
Advantages of directly donating your IRA to charity
Real-life examples of donating your IRA RMD directly to charity

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

There are a couple of key differences between qualified dividends and non-qualified dividends. The big difference lies in the taxes! Listen closely if you're ready for an in-depth explanation of how this can affect you and your finances.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Connect with ACap on social media:
Twitter: https://twitter.com/acapam
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/
Instagram: https://instagram.com/acapadvisorsaccountants

In this episode, we're talking about homeowners insurance—an essential expense for protecting your property. We'll cover the basics, including what you need to know, how much coverage you should aim for, and much more!

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Connect with ACap on social media:
Twitter: https://twitter.com/acapam
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/
Instagram: https://instagram.com/acapadvisorsaccountants

In this episode we discuss the 529 plan qualified expenses.

Join us as we uncover essential tips, strategies, and insights to maximize the benefits of your 529 plan.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

While the 529 plan offers many benefits, it's important to consider its disadvantages as well before making your final decision.

Tune in to this ACap ReCap episode as we share 5 reasons why you shouldn't use the 529 plan.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Not all financial advisors are fiduciaries. In this ACap ReCap episode, we discuss what fiduciary financial advisors do, how to determine if your financial advisor is a fiduciary, how fiduciary financial advisors are compensated, and strategies for finding one.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor

In this ACap ReCap episode, we're talking about the best options for investing your cash.

From traditional checking accounts to modern high-yield savings options like the US Treasury bill, we break down the pros and cons of each choice, providing valuable insights to help you make informed decisions about your money.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode we talk about the three tax buckets: taxable bucket, tax deferred bucket and tax free bucket. Tune in now to learn why you should have all three tax buckets filled for financial success.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this ACap ReCap episode, we discuss the meaning and usage of different types of 1099 forms.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode we talk about what is the Dow Jones Industrial Average (DJIA), why it is so important and how to invest in the Dow.

Read the full article:
https://www.acapam.com/fiduciary/what-is-the-dow-jones-industrial-average-djia/

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Discover 14 effective year-end tax strategies for 2023 in this episode. Gain valuable tips on optimizing your finances and preparing for the upcoming year.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

UTMA, UGMA and 529 plans are all great ways for parents to save for their child's future. This episode will help you pick the best one for your needs!

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

In this ACap ReCap episode, we discuss the home office deduction: who qualifies for it, what expenses are deductible, and the two methods used to calculate the home office deduction.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

A Deep Dive into Education Savings. In this episode, we discuss the significant benefits of 529 plans, offering valuable insights for smarter financial planning.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode, we're going to discuss EV tax credit, and how you can qualify for it.

Schedule a consultation with ACap fiduciary financial advisors:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Cash Balance plans are a way to save more for retirement, reduce your taxes, and accelerate your savings during your high income earning years. They have more flexibility than a traditional pension plan, but allow for similarly high contributions year over year and are usually paired with existing 401(k)/profit sharing plan. In this episode, ACap's Matt Crisafulli is joined by Kevin Palm of Kravitz, Inc., An Ascensus Company to discuss the basics behind Cash Balance Plans.

What You Will Learn:
- Is your business the right type of business for a Cash Balance plan
- How a cash balance plan differs from other retirement savings vehicles
- How much you might be able to save if they open such a plan
- How a Cash Balance plan can reduce your tax burden

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Discover the importance of proper insurance coverage on this ACap ReCap podcast.

In the face of recent natural disasters like fires, mudslides, earthquakes, and hurricanes, ensuring you have adequate insurance protection is crucial.

Together with Jon Gardner from JSG Insurance Services, we'll delve into the world of Property & Casualty Insurance, exploring how it can safeguard you from unexpected events.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode we cover:

What is the Dow Jones Industrial Average (DJIA)?
Why is the DJIA (aka. Dow) so important?
Is the Dow a good index?
How is the Dow calculated?
How to invest in the Dow?
How are companies added and removed from the Dow?
What are some companies in the Dow?

Read full article:
https://www.acapam.com/fiduciary/what-is-the-dow-jones-industrial-average-djia/

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor #acapadvisors

In this episode we cover EVERYTHING you need to know about getting a home mortgage.

Starting from the mortgage process and required documentations to the key factors in purchasing home, we cover all the important things you need to know about mortgage loans, including what you should avoid and how you can benefit from the home mortgage if you are a self-employed or a business owner.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

DISCLAIMER: THIS VIDEO IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

In this episode we'll define what is a tax credit, will discuss tax credits versus tax deduction with examples. We'll also illustrate the difference between refundable and nonrefundable tax credits with examples.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

This episode gives you 11 year-end tax tips you can implement now for 2022.

Tips:

Maximize 401k contributions.
Harvest losses.
Gift $16,000 to lower your taxable estate.
Roth IRA conversion.
Defer income.
Paying for medical or college bills.
Qualified Charitable Distribution.
Charitable donations.
Donate appreciated stock.
Create a Donor Advised Fund (DAF)
Spend your Flexible Spending Account (FSA).

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode, we're going to discuss the Inflation Reduction Act of 2022, specifically the federal tax credits for electric cars. We will also outline the criteria to qualify for the credits.

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Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In my previous episodes, I covered what a 529 plan is, and explained their advantages and disadvantages. Today, we're diving a little deeper about this amazing plan and the extensive list of its eligible expenses.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor

Homeowners insurance is a necessary expense for protecting your property. The basics of what you need to know about it, how much coverage will provide the best protection and so much more are discussed in this episode!

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Connect with ACap on social media:
Twitter: https://twitter.com/acapam
Facebook: https://www.facebook.com/ACapAdvisorsAccountants/
LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/
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Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor

UTMA, UGMA and 529 plans are all great options for parents who want to save up for their child's future. This episode can help you decide which one is best!

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Did you know that you could donate your required minimum distribution (RMD) to charity? It can be a great way of giving back! In this episode we'll cover:

What is an RMD and how does it work?
What is a qualified charitable distribution and how to donate your RMD using QCD?
What’s the maximum you can do with a qualified charitable distribution?
Benefits of donating your IRA directly to the charity
Examples: Donating your IRA RMD directly to charity

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

There are a couple of key differences between qualified dividends and non-qualified dividends. The big difference lies in the taxes! Listen closely if you're ready for an in-depth explanation of how this can affect you and your finances.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
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12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

What's the difference between a W-2, W-9 and W-4? Which one should you file for your taxes this year? There are subtle differences you need to know! Let's go through each tax form in today's episode!

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

In this episode we'll discuss whether or not to invest in cryptocurrencies and if so, how much of your portfolio you should allocate.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

With the popularity of cryptocurrency continuing to rise, more and more people are learning how it works. So today, we're going to talk about taxation of cryptocurrency and how it could possibly affect you when you buy, sell or get paid using cryptocurrency.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

You may have heard about SPACs or a Special Purpose Acquisition Company. In this episode we will discuss:

What is a SPAC and why do they exist?
How do SPACs work?
Why are SPACs called Blank Check companies?
What is the difference between a SPAC and an IPO?

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Today, we're going to discuss the different types of #1099s.

📍From the most to the least common, learn which 1099 applies to you and what you have to do with them.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode our subject matter expert is healthcare attorney John Mills from Nelson Hardiman. The topic of discussion is Insurance Reimbursements.

In particular, we talk about:

Medicare reimbursement
Reasons of overpayment disputes with healthcare insurance companies
What are fraud, waste & abuse
Why a provider gets audited: reasons and consequences
How the provider can minimize the risk of audits
What are the defenses, that a provider can raise
What are the certain branches of medicine that tend to feel more riskier in reimbursements

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Our subject matter expert in this episode is college counselor Evelyn Jerome-Alexander.

The topics we cover during this webinar include:

How to get your child into college
College search and application process
Extracurricular activities for students
College entrance requirements: SAT, PSAT
Private schools vs. public schools
Education financing: student loans
Expected Family Contribution (EFC) and FAFSA
What is demonstrated financial need and how to check it for each college
Need based and merit based financial aids for students

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode, we will discuss California Assembly Bill (AB) 150.

Some of the things we'll cover include:

What is California AB 150?
What is the Small Business Relief Act under California AB 150?
Which entities qualify for AB 150?
Which entities do not qualify for AB 150?
How to calculate the benefit of AB 150?
When are taxes due for AB 150?
What are some of the downsides to AB 150?

Check out our blog posts:
What is California AB 150: SALT Workaround at https://www.acapam.com

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Our Subject Matter Expert in this episode is Benjamin Sarto, P&C Broker.
The topic of discussion is Cybersecurity Insurance, in particular:

What is Cyber Insurance
Cybersecurity Pricing
Cybersecurity Coverage & types
Cyber Security Deductibles

Ben Sarto Contact Information
https://www.linkedin.com/in/benjamin-sarto-clcs-500b8373/
bsarto@gordoninsurance.com
(650) 567-3562

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

The cost of college education is rising at more than twice the rate of inflation. Having the right type of investment vehicle is very important. A 529 plan is a type of college savings vehicle that you can use to save for your child's education. In this episode, I'll share the 9 benefits of 529 Plans.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

The reasons why you should use a 529 plan are many, but there is always a downside. In my previous episode we talked about all the benefits to investing in these tax-advantaged accounts. Now, let me share some the disadvantages of a 529 plan to help you reach a final decision!

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

The rules for the inherited IRA changed dramatically under the SECURE Act of 2019. This episode defines inherited IRAs and the new 10 Year Rule for inherited IRAs as a result of the SECURE Act of 2019.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Did you have a loss you were unable to deduct? Then you were subject to the wash sale rule. This episode describes the wash sale rule and how to avoid it.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

The 1099 is a tax form that many people have heard of, but few know the details about who it applies to and why. I will take care of those questions right now!

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Ara Oghoorian, President of ACap Advisors and Accountants, discusses inflation trends with Your Money host Kent Smetters on Business Radio, SiriusXM 132.

This episodes is originally aired on Business Radio, SiriusXM Channel 132

ACap Advisors and Accountants is a fee-only fiduciary wealth management and full-service accounting firm based in Los Angeles, CA.

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CFP Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this ACap ReCap episode we cover:
1. What is probate?
2. Why should you try to avoid probate?
3. Steps to avoid probate court.

Read full article:
https://www.acapam.com/taxes/how-to-avoid-probate/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Schedule a free Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode we cover:
1. What is a trust?
2. Do I need to setup a trust?
3. When you do NOT need a trust.
4. What is probate?
5. Do I need a lawyer to setup a trust?

Read full article:
https://www.acapam.com/taxes/what-is-a-trust-and-do-i-need-one/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Schedule a free Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode Ara & Matt explain what to consider when deciding whether to pay off your mortgage.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Should you be making tax payments throughout the year? Depending on your source of income, the answer is yes. In this episode, Ara & Matt discuss what estimated tax payments are, who should pay them, and some strategies on how to navigate them.

Don't wait until tax time, contact a CPA today like ACap Advisors & Accountants. Schedule a free consultation at https://www.acapam.com/contact/, or by calling (818) 272-8511

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode, Ara & Matt explain the differences between investing in individual stocks (like Disney, Apple, or Google) versus funds (such as ETFs like an S&P 500 index fund or NASDAQ fund) and what makes for a good investment portfolio.

Looking for more information about investing and saving for retirement? ACap Advisors & Accountants is a Fee-Only wealth management and full-service accounting firm headquartered in Los Angeles. For more resources, visit our website.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode Ara & Matt explain the key differences between a Roth IRA and Traditional IRA, and how they can benefit you.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode, we will discuss stock splits and if they are good or bad for investors.

Here are some of the questions we will cover:
1. What is a stock split?
2. What is the difference between a forward and a reverse stock split?
3. Is a stock split good or bad for investors?
4. How does a stock split affect my cost basis?
5. How does a stock split affect my taxes?

Read Full Article:
https://www.acapam.com/blog/whats-a-stock-split-and-how-does-it-impact-cost-basis/

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Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this ACap ReCap episode, Ara & Matt discuss cannabis stocks, and whether or not it's a good investment.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode, Ara & Matt discuss why it may be better to pay at tax-time.

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

Schedule Free Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode Ara Oghoorian & Matt Crisafulli of ACap Advisors & Accountants discuss credit scores and credit reports.

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Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode Ara Oghoorian & Matthew Crisafully explain the basics and differences in 401k types, including the growth opportunities of contributing.

Subscribe to our channel.

ACap is a one-stop-shop #wealthmanagement and #CPA company.
Trust your #financialplanning to our expects.
Schedule a free consultation at https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

In this episode we cover.

Did the home office deduction go away in 2018?
Who qualifies for the home office deduction?
What expenses are deductible?
What are the two methods used to calculate the home office deduction?

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Connect with ACap on social media:
Twitter: https://twitter.com/acapam
Facebook: https://www.facebook.com/ACapAdvisors...
LinkedIn: https://www.linkedin.com/company/acap...
Instagram: https://www.instagram.com/acapadvisor...

Fiduciary Oath/Pledge
https://www.acapam.com/financial-advi...

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor #homeofficededuction #financialplanner #finance

In this episode, we cover:

What is a fiduciary financial advisor?
How do I know if my financial advisor is a fiduciary?
How does a fiduciary financial advisor get paid?
How to find a fiduciary financial advisor.

ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor

In this episode Ara and Matt discuss why it may be better to pay at tax-time.

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Connect with ACap on social media:
Twitter: https://twitter.com/acapam
Facebook: https://www.facebook.com/ACapAdvisors...
LinkedIn: https://www.linkedin.com/company/acap...
Instagram: https://www.instagram.com/acapadvisor...

Fiduciary Oath/Pledge
https://www.acapam.com/financial-advi...

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor #tax #taxes #taxrefund #taxplanner

In this episode we discuss the new 1099-NEC form which goes into affect 2021 for the 2020 tax year.
We will discuss:
1. What is the Form 1099-NEC?
2. What is the threshold for filing a 1099-NEC?
3. When are 1099s due?
4. Are there any exemptions to filing a 1099-NEC or 1099-MISC?

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1

Studio City, California 91604
(818) 272-8511
hello@acapam.com

Connect with ACap on social media:
Twitter: https://twitter.com/acapam
Facebook: https://www.facebook.com/ACapAdvisors...
LinkedIn: https://www.linkedin.com/company/acap...
Instagram: https://www.instagram.com/acapadvisor...

Fiduciary Oath/Pledge

https://www.acapam.com/financial-advi...

CFP Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

In this episode we discuss the new COVID relief package signed on December 27, 2020, also known as the Consolidated Appropriations Act of 2021. While the Bill provides aid to various segments of the economy such as stimulus checks and expanded unemployment benefits, this video will cover the $284 billion allocated to additional PPP funds.

We will discuss:
1. How to qualify for new PPP loans?
2. Is there a limit to the PPP funds I can receive?
3. How are the new PPP fund amounts calculated?
4. How the new Bill addresses additional expenses paid for by PPP funds, a simplified forgiveness process, and EIDL Advances.

Schedule a Consultation:
https://www.acapam.com/contact/

12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Connect with ACap on social media:
Twitter: https://twitter.com/acapam
Facebook: https://www.facebook.com/ACapAdvisors...
LinkedIn: https://www.linkedin.com/company/acap...
Instagram: https://www.instagram.com/acapadvisor...

Fiduciary Oath/Pledge
https://www.acapam.com/financial-advi...

CFP Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

fiduciaryfinancialadvisor #financialplanner #financialadvisor #acapadvisors #PPP2

Some topics discussed:

Should I name a trust as the beneficiary of my IRA?
How did the SECURE Act change spousal IRAs?
What are the new rules for inherited IRA distributions?
What is a "see-through trust"
How to name beneficiaries for an IRA.

Subscribe to ACap Advisors & Accountants YouTube Channel:
https://www.youtube.com/c/Acapam/feat...

Schedule a Consultation:
https://www.acapam.com/contact/

Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA

ACap Advisors & Accountants, LLC
12031 Ventura Blvd., Suite 1
Studio City, California 91604
(818) 272-8511
hello@acapam.com

Law Offices of Marc Schwartz
15910 Ventura Blvd., Suite 1006
Encino, CA 91436
(818) 804-4691
info@mjslawfirm.com

Our Subject Matter Expert in this episode is Intellectual Property attorney

Dr. Adam Diament to discuss patents. Specifically, we cover:

What does an intellectual property attorney do?
What is a patent?
How does a patent differ from a copyright, trademark, and trade secret?
You have patent, but how to protect it?
Costs and time associated with getting a patent.

Dr. Adam Diament, Attorney

Website: https://www.diamentpatentlaw.com/
Phone: (424) 281-0162
Email: adam@diamentpatentlaw.com

Ara Oghoorian CFA, CFP®, CPA
Founder and President of ACap Advisors & AccountantsSchedule a Consultation:
https://www.acapam.com/contact/
Phone: (818) 272-8511
Email: hello@acapam.com

CFP Financial Advisor in Los Angeles, CA
CPA in Los Angeles, CA