PODCAST · business
FIN-LYT by EWA®
by EWA LLC
Financial Literacy. In Motion.Newton’s First Law says an object in motion stays in motion, but the hardest part is the first push.FIN-LYT, a play on financial literacy with catalyst built in, is designed to be the push. The spark that breaks inertia, the perspective that reframes tough decisions, and the education that turns “I should” into “I did.”EWA is a wealth management firm serving physicians, retirees, business owners, and leaders. We deliver holistic planning and guidance to help clients balance competing goals and protect their most valuable resource: TIME.
Episodes
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Oversold Insurance Policies? Here's What to Do Next
This week on FIN-LYT by EWA, Matt Blocki and Chris Pavcic take a closer look at what to do if you feel like you've been oversold life insurance. They discuss some of the biggest red flags they've seen in life insurance plans and how to determine whether a policy actually has a purpose in your...
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What to Do After a 7-Figure Windfall
Receiving a 7-figure windfall can feel exciting, but it also raises a lot of questions. In this FIN-LYT conversation, Chris Pavcic and Ben Ruttenberg walk through how people often approach the first 30 to 90 days, including why the first decision may be what not to do. They discuss letting the…
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EWA Stock Market and Portfolio Commentary Q4 2026
EWA's Q4 2026 Market and Portfolio Commentary is here. Matt Blocki, Nick Stonesifer, and Jordan Fediaczko walk through what shaped markets in the third quarter and how EWA portfolios are shifting as we move into Q4. The takeaway: stay invested in our strongest convictions, but trim where risk has...
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10 Signs It May Be Time to Switch Financial Advisors
This week on FIN-LYT by EWA, Ben Ruttenberg and Tyler Houston sit down to talk through ten signs that it might be time to have a conversation about switching financial advisors. If you find yourself nodding along to three or more of these, they suggest it's probably worth a second opinion. Ben…
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Why Waiting Isn't Always the Right Social Security Move
Deciding when to start claiming Social Security is a question Ben Ruttenberg and Tyler Houston hear often from high net worth clients, and in this episode of EWA's FIN-LYT Podcast, they break down how to actually think it through. Ben and Tyler walk through how Social Security works, from the…
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How Much Wealth Should You Have by Age and Income?
Most people Google "how much should I have saved by 40" and get back one generic number, but that number is almost always wrong, especially if you're a high earner. In this episode, Chris Pavcic and Tyler Houston move past the generic benchmark and break down real net worth targets for the top…
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Donor-Advised Fund vs. Private Foundation: Which Is Right for Your Family?
Private foundations and donor-advised funds are two of the most common ways high-net-worth families structure their charitable giving, but the right choice depends on how much control, privacy, and involvement a family wants over time. In this episode of EWA's FIN-LYT Podcast, Jamison Smith sits...
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QSBS: The Tax Strategy Business Owners Should Know Before Selling
In this episode of EWA's FIN-LYT Podcast, Jamison Smith sits down with Tom Krahe and Andy Bianco, two industry experts in business transactions, M&A, and tax strategy, for a deep dive into Section 1202 of the tax code, better known as QSBS (Qualified Small Business Stock). This strategy allows...
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Integrating Estate Planning Into Your Financial Plan
In this episode of EWA's FIN-LYT Podcast, Matt Blocki sits down with Kari Owens, EWA's newest team member and an estate planning attorney with over a decade of experience handling trust and estate work alongside the tax returns that support those plans. Kari joins the show to introduce herself to...
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Selling Your Business to Private Equity: What You Need to Know
In this episode of EWA's FIN-LYT Podcast, Jamison Smith sits down with investment banking experts Tom Krahe and Andy Bianco to break down what actually happens when a business owner sells to a private equity group. Most owners walk into a potential private equity sale with the same fear: that the...
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What Business Owners Need to Know Before Selling Their Company
In this episode of EWA's FIN-LYT Podcast, host Matt Blocki sits down with investment bankers Tom Krahe and Andy Bianco for a deep dive into one of the biggest financial decisions a business owner could ever make: when and why to bring in an investment banker to sell a company. Matt opens with a...
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Walking Away From an Eight-Figure Business: Identity, Enough, and Letting Go
In this episode of EWA's FIN-LYT Podcast, Matt Blocki sits down with Bryce Conway, founder of 10X Travel, for his second appearance on the show. This time, the conversation isn't about travel hacking, it's about the biggest transition of Bryce's career: walking away from the company he spent over…
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Tax Playbook for the Year You Sell Your Business
In this episode of EWA's FIN-LYT Podcast, Jamison Smith sits down with tax strategist Nick Rosen to walk through what actually happens to your tax bill when you sell a business you've spent years building. If a sale is somewhere on your horizon, whether it's next year or a decade out, this...
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Navigating Personal vs. Business Taxes for Business Owners
In this episode of EWA's FIN-LYT Podcast, Matt Blocki sits down with Tyler Bidwell and Nick Rosen to break down an often misunderstood part of running a business: the difference between what shows up on your bank statement and what shows up on your tax return. If you're a business owner in the...
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Tax Mistakes That Can Cost High Earners Thousands Every Year
In this episode of EWA's FIN-LYT Podcast, Matt Blocki sits down with tax strategists Tyler Bidwell and Nick Rosen fresh off tax season to break down the most common tax surprises high earners run into, and how to avoid them before they become expensive. The conversation starts with one of the...
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Meet the Team Behind EWA: The People, Culture, and Roles That Drive Your Financial Plan
In this episode of EWA's FIN-LYT Podcast, Matt Blocki sits down with the team members of Equilibrium Wealth Advisors for a behind-the-scenes look at who's actually working on your financial plan. Rather than diving into a specific planning topic, this episode pulls back the curtain on the people,...
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The Long Short Strategy: How High Earners Offset Capital Gains Taxes
In this episode of EWA's FIN-LYT Podcast, Matt Blocki and Jamison Smith break down a sophisticated tax strategy that EWA is implementing for a select group of high net worth clients: the long short direct indexing strategy. If you have a major liquidity event on the horizon, this episode could...
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Cybersecurity Tips: Especially If You Have Significant Assets
In this episode of EWA's FIN-LYT Podcast, Matt Blocki and Chris Pavcic break down the cybersecurity threats most likely to impact individuals today and what you can do right now to protect yourself. While these steps apply to everyone, they are especially critical if you have significant assets…
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EWA Stock Market and Portfolio Commentary Q3 2026
Welcome to EWA's Q3 2026 Market and Portfolio Commentary. In this update, Matt Blocki, Nick Stonesifer, and Jordan Fediaczko break down what's driving markets mid-year and how EWA portfolios are being positioned as we head into Q3. The core message: stay constructive, but make the risk work…
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Employee Equity: Should You Give It, How to Structure It, and When It Goes Wrong
In this episode of EWA's FIN-LYT Podcast, Matt Blocki and Jamison Smith tackle one of the most complex and consequential decisions a small business owner can face: whether to give employees equity, and how to do it without creating a legal or financial nightmare down the road. They open with a...
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Financial Planning for OpenAI Employees: Equity, IPOs, and Concentration Risk
In this episode of EWA's FIN-LYT Podcast, Jamison Smith and Tyler Houston break down what financial planning actually looks like for OpenAI employees navigating one of the most complex wealth creation moments in modern history. If you work at OpenAI, you are likely sitting on significant equity...
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How to Cut Your Tax Rate in Half During Retirement
In this episode of EWA's FIN-LYT Podcast, Ben Ruttenberg and Chris Pavcic break down one of the most overlooked risks facing high earners headed into retirement: the assumption that your tax rate will automatically drop when you stop working. Spoiler, it often doesn't. Ben and Chris walk through...
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457 Plans for Physicians: What Most People Get Wrong About Deferred Compensation
In this episode of EWA's FIN-LYT Podcast, Ben and Tyler break down one of the most commonly misunderstood retirement plans available to physicians, government employees, and nonprofit workers. The 457 plan. They explain the critical differences between governmental and non governmental 457 plans,...
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The Best States to Live In for Lower Taxes and Asset Protection
In this episode of EWA's FIN-LYT Podcast, Jamison Smith and Chris Pavcic break down which states are most effective for minimizing taxes and protecting your assets. Whether you're a business owner planning around a liquidity event, entering retirement, or simply exploring a move to a more tax...
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Selling Your Business: How to Maximize Value Before You Exit
In this episode of EWA's FIN-LYT Podcast, Matt Blocki and Tom Krahe dive into the high stakes world of business valuations, exit planning, and what it really takes to maximize the value of your life's work before you sell. Tom breaks down the three biggest drivers of business value: cash flow and...
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Why Every Business Owner Needs a Valuation, Even If You Are Not Selling
In this episode of EWA's FIN-LYT Podcast, Matt Blocki sits down with Tom Krahe, Managing Shareholder at Strategic Advisors and one of Pittsburgh's leading experts in business valuation and investment banking, to break down why every small business owner should get a valuation done. Even if…
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What to Do When Most of Your Net Worth Is in a Private Company
In this episode of EWA's FIN-LYT Podcast, Matt Blocki, Jamison Smith, and Weston Conway break down what it really looks like when 80 to 95 percent of your net worth is locked up in a single private company. Weston, a long-time EWA client and COO of Closing Lock, shares his firsthand experience...
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Fixed Income for High-Net-Worth Investors: Where to Put Your Safe Money
In this episode of EWA's FIN-LYT Podcast, Matt Blocki and Jamison Smith cut through the noise around Treasuries, gold, and interest rates to answer a simple but important question: where should you put your safe money? They break down why bonds exist in a portfolio and why chasing the highest…
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Family Governance: Preserving Wealth Across Generations
In this episode of EWA’s FIN-LYT Podcast, Jamison Smith and Tyler Houston dive into an important and often misunderstood challenges wealthy families face: successfully passing wealth from one generation to the next. With statistics showing that 70% of wealth is lost by the second generation and…
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EWA FAQs on Fees, Fiduciary Duty, and Financial Planning
In this episode of EWA’s FIN-LYT Podcast, Matt Blocki and Chris Pavcic answer the most common questions prospective clients ask before working with a financial advisor and what truly sets EWA apart. They break down how EWA’s transparent wrap fee structure works, what clients actually pay, and why...
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EWA Stock Market and Portfolio Commentary Q2 2026
Welcome to EWA’s Q2 2026 Market and Portfolio Commentary. In this update, Matt Blocki reflects on Q1 market performance and outlines how portfolios are positioned for the remainder of 2026. Despite increased noise and volatility across headlines, the core message remains clear: refinement, not...
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Choosing the Right Trustee for a Lasting Family Legacy
In this episode of EWA’s FIN-LYT Podcast, Matt Blocki, Jimmy Ruttenberg, and Ben Ruttenberg break down an important and often overlooked decision in estate planning: choosing the right trustee. They explain why most trusts fail to make it past the second or third generation and how poor trustee...
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Turn Financial Chaos Into Clarity With a Year-in-Review
In this episode of EWA’s FIN-LYT Podcast, Matt Blocki and Jamison Smith walk through a powerful but often overlooked exercise for high income and high net worth individuals: performing a financial past year in review. While many successful professionals are confident they’re doing “fine”...
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The Hidden Risks of Premium Financed Life Insurance
In this episode of EWA’s FIN-LYT Podcast, the team breaks down premium financed life insurance, a complex strategy often marketed to high-net-worth investors as a way to obtain large life insurance policies with little out-of-pocket cost. Matt Blocki and Jamison Smith explain how premium…
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Turning Financial Chaos Into Clarity: Strategies for High Income Professionals
In this episode of EWA’s FIN-LYT Podcast, Matt Blocki and Chris Pavcic discuss a challenge many high income and high net worth individuals quietly face: financial chaos. Despite strong incomes or multi million dollar balance sheets, many successful professionals still deal with scattered…
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Financial Guardrails for Lasting Wealth
In this episode of EWA’s FIN-LYT Podcast, Ben Ruttenberg, Tyler Houston, and Matt Blocki walk through 10 essential guardrails designed to protect your financial plan and help ensure your wealth lasts. They explain why wealth rarely fails due to poor returns, but instead from a lack of structure,...
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Financial Planning for Blended Families
In this episode of EWA’s FIN-LYT Podcast, Matt Blocki, Jimmy Ruttenberg, and Ben Ruttenberg unpack the financial complexities of blended families and why having a clear plan in place is critical for both your relationships and your legacy. They discuss the emotional realities that often follow...
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The Biggest Financial Regrets of High Earners
In this episode of EWA’s FIN-LYT Podcast, Matt Blocki, Jamison Smith, and Chris Pavcic explore the biggest financial regrets they see among high earners and ultra high net worth families, and why building wealth without purpose can backfire. They explain how money doesn’t solve problems, it often...
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Why Great Financial Plans Need Constant Calibration
In this episode of EWA’s FIN-LYT Podcast, Matt Blocki, Ben Ruttenberg, and Drew Deimel break down why a financial plan only matters if it’s actually lived and continuously updated. They dive into one of the most frustrating trends in the industry: paying a large one time fee for a plan that never...
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Direct Indexing for High-Net-Worth Investors
In this episode of EWA’s FIN-LYT Podcast, the team dives into one of the a powerful yet often underutilized strategy in modern wealth management: direct indexing. Matt Blocki and Nick Stonesifer unpack why this approach has become a core part of EWA’s investment philosophy, not because it…
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Advanced Estate Planning: Special Needs, Second Marriages, and Smart Trust Design
In this episode of EWA’s FIN-LYT Podcast, Jimmy Ruttenberg, Jamison Smith, and Matt Blocki tackle one of the more emotionally complex and often misunderstood areas of financial planning: trust and estate strategies for protecting the people who matter most. The conversation begins with special...
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Managing Concentrated Stock Risk: From Concentration to Confidence
In this episode of EWA’s FIN-LYT Podcast, Jamison Smith, Drew Deimel, and Ben Ruttenberg tackle a common challenge facing high earners today: managing concentrated stock positions. With the rise of AI, tech, and the dominance of the “Magnificent 7,” many investors now hold a significant portion…
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Trust Strategies for Business Owners and Multigenerational Families
In this episode of EWA’s FIN-LYT Podcast, Jamison Smith, Matt Blocki, and Ben Ruttenberg take a deep dive into advanced irrevocable trust strategies and how they can be used to preserve wealth, reduce taxes, and intentionally transfer assets across generations. Drawing on real-world client...
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Selling Your Practice or Business: Life After the Millions
In this episode of EWA’s FIN-LYT Podcast, Jimmy Ruttenberg, Jamison Smith, and Drew Deimel dive into one of the biggest financial shifts happening today: the massive transfer of wealth driven by business sales and generational change. With most U.S. wealth now held by those over 65, the decisions...
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Tax Season with EWA: Lessons from Year One and What’s Ahead
In this episode of EWA’s FIN-LYT Podcast, Matt Blocki is joined by Tyler Bidwell for a deep dive into the evolution of EWA Tax Services and what it really looks like when tax planning is fully integrated inside a wealth management firm. Reflecting on year one and looking ahead to the 2025 tax...
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When Is Enough Enough? The Psychology of Wealth
In this episode of EWA’s FIN-LYT Podcast, Jamison Smith and Matt Blocki explore the psychology behind “When Enough Moves” and why high achievers often struggle to feel financially satisfied, no matter how much wealth they accumulate. Drawing from nearly two decades of advising experience, they...
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Is One Million Enough for Retirement?
In this episode of EWA's FIN-LYT Podcast, Ben Ruttenberg and Chris Pavcic explore what truly determines long term financial independence for high achievers. They explain why headline net worth is not enough and how liquidity, concentration, and debt can either support or strain your plan when...
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Navigating Finances After the Loss of a Loved One
In this episode of EWA’s FIN-LYT Podcast, Matt Blocki and Chris Pavcic talk through one of life’s most difficult transitions: navigating finances after the loss of a loved one. They explain how grief, stress, and decision fatigue can make even simple financial tasks overwhelming, especially when...
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Financial Planning at 100k, 500k, and 1 Million Income
In this episode of EWA's FIN LYT Podcast, Matt Blocki and Chris Pavcic walk through how life changes as income grows from one hundred thousand to five hundred thousand to one million per year and why higher income can actually create more financial danger if you are not intentional. They explain...
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Is AI an Investment Bubble
In this episode of EWAs FIN LYT Podcast, Matt, Jamison, and Ben explore one of the biggest questions investors are asking today. Is artificial intelligence in a bubble or are we still at the beginning of a major long term shift. They discuss why AI driven returns have been so strong and why a...
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ABOUT THIS SHOW
Financial Literacy. In Motion.Newton’s First Law says an object in motion stays in motion, but the hardest part is the first push.FIN-LYT, a play on financial literacy with catalyst built in, is designed to be the push. The spark that breaks inertia, the perspective that reframes tough decisions, and the education that turns “I should” into “I did.”EWA is a wealth management firm serving physicians, retirees, business owners, and leaders. We deliver holistic planning and guidance to help clients balance competing goals and protect their most valuable resource: TIME.
HOSTED BY
EWA LLC
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Frequently Asked Questions
How many episodes does FIN-LYT by EWA® have?
FIN-LYT by EWA® currently has 176 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is FIN-LYT by EWA® about?
Financial Literacy. In Motion.Newton’s First Law says an object in motion stays in motion, but the hardest part is the first push.FIN-LYT, a play on financial literacy with catalyst built in, is designed to be the push. The spark that breaks inertia, the perspective that reframes tough decisions,...
How often does FIN-LYT by EWA® release new episodes?
FIN-LYT by EWA® publishes regularly with 176 episodes available. Check the episode list for the typical release schedule.
Where can I listen to FIN-LYT by EWA®?
You can listen to FIN-LYT by EWA® on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts FIN-LYT by EWA®?
FIN-LYT by EWA® is created and hosted by EWA LLC.
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