In this episode, President and Senior Financial Planner Paul L. Moffat and Director of Financial Planning Jordan Naffa discuss how dividends, margin usage, stock options, and certain market transactions can significantly impact tax outcomes. While these strategies can enhance income and portfolio flexibility, they also introduce nuanced tax rules that investors must understand to avoid unintended consequences.

Paul and Jordan explain the importance of qualified dividend treatment, how margin can alter tax classification, and why timing matters when purchasing dividend paying stocks, ETFs, or mutual funds. They also cover alternative minimum tax considerations related to incentive stock options and highlight the risks of concentration in high dividend stocks.

This episode reinforces the need for disciplined planning, careful coordination with tax professionals, and a long term perspective when implementing dividend and option strategies.

In this episode:
● The difference between qualified and ordinary dividend treatment
● How margin usage can affect dividend tax status
● Holding period requirements for favorable dividend taxation
● Dividend timing considerations for stocks, ETFs, and mutual funds
● Alternative minimum tax exposure with incentive stock options
● Risks of concentrating in high dividend paying companies
● Why protecting after tax returns requires careful planning

The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed in this program is not a guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested in directly. As always, please remember that investing involves risk and the possible loss of principal. Please seek advice from a licensed professional.

Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

🌟Get in touch with us by clicking the links below!🌟

Go to Aristawealth.com for other tools, tips, and resources.

Website: https://www.aristawealth.com/

Facebook: https://www.facebook.com/AristaWealth/

LinkedIn: https://www.linkedin.com/company/arista-wealth-management/

In this episode, President and Senior Financial Planner Paul L. Moffat and Director of Financial Planning Jordan Naffa take a comprehensive look back at the market performance of 2025 and the key lessons investors can carry forward. Despite widespread predictions of a lackluster year, global markets delivered strong and in many cases exceptional returns across multiple asset classes.

Paul and Jordan break down performance across U.S. equities, international developed markets, emerging markets, real estate, and fixed income. They highlight how globally diversified portfolios benefited from strength outside the United States, and why investors who stayed disciplined during periods of volatility were ultimately rewarded. The discussion also covers sector performance within large growth, small value, and emerging markets, along with a review of commodities and their long-term track record.

This episode reinforces the importance of diversification, long-term perspective, and resisting short-term predictions that often miss the mark.

In this episode:
● U.S., international, and emerging market performance in 2025
● How the “steady five” asset classes compare to historical averages
● Sector breakdowns within U.S. and global equity markets
● Why international and emerging markets outperformed expectations
● Fixed income results and the role of bonds in portfolios
● Commodity performance and long-term historical perspective
● The value of discipline and global diversification

The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed in this program is not a guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested in directly. As always, please remember that investing involves risk and the possible loss of principal. Please seek advice from a licensed professional.

Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

🌟Get in touch with us by clicking the links below!🌟

Go to Aristawealth.com for other tools, tips, and resources.

Website: https://www.aristawealth.com/

Facebook: https://www.facebook.com/AristaWealth/

LinkedIn: https://www.linkedin.com/company/arista-wealth-management/

In this episode, President and Senior Financial Planner Paul L. Moffat is joined by Director of Financial Planning Jordan Naffa to explore charitable and philanthropic planning strategies that allow individuals and families to give more effectively while managing taxes. With year-end gifting fresh on many minds, Paul and Jordan walk through the wide range of vehicles available for charitable giving and how each can be used to align generosity with long-term financial goals.

They discuss popular structures such as donor-advised funds, charitable remainder trusts, charitable lead trusts, and private foundations, as well as retirement-based giving strategies such as qualified charitable distributions from IRAs. The conversation also highlights the benefits of donating appreciated assets, coordinating deductions across multiple years, and understanding contribution limits. This episode provides practical guidance for those looking to give intentionally, reduce tax exposure, and create a lasting philanthropic legacy.

In this episode:
● Key charitable giving vehicles and how they differ
● Donor-advised funds and private foundations for long term philanthropy
● Using charitable remainder and lead trusts strategically
● Retirement-based giving through qualified charitable distributions
● Donating appreciated assets instead of cash
● Understanding charitable deduction limits and planning considerations
● Coordinating charitable, tax, and estate planning efforts

The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed in this program is not a guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested in directly. As always, please remember that investing involves risk and the possible loss of principal. Please seek advice from a licensed professional.

Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

🌟Get in touch with us by clicking the links below!🌟

Go to Aristawealth.com for other tools, tips, and resources.

Website: https://www.aristawealth.com/

Facebook: https://www.facebook.com/AristaWealth/

LinkedIn: https://www.linkedin.com/company/arista-wealth-management/