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/

In this episode, President and Senior Financial Planner Paul L. Moffat is joined by Director of Financial Planning Jordan Naffa to discuss capital gains and loss strategies, and how proactive portfolio management can reduce taxes, increase flexibility, and improve long term outcomes. With taxes acting as a constant drag on investment returns, Paul and Jordan explain why having a clear strategy around gains and losses is essential for taxable accounts.

They walk through how the IRS treats taxable, tax deferred, and tax free assets differently, and why timing matters when realizing gains. The conversation also explores strategic gain harvesting, capital loss harvesting, and how realized losses can offset income today and carry forward into future years. In addition, Paul and Jordan explain the importance of the step up in basis and how thoughtful estate planning can help minimize taxes for the next generation. This episode provides practical insight for investors looking to stay disciplined, prepared, and tax aware through both market ups and downs.

In this episode:
● How capital gains are taxed in taxable investment accounts
● Strategic gain harvesting and the potential for reduced or zero capital gains tax
● Using capital loss harvesting to offset income and future gains
● How market volatility creates planning opportunities
● The role of rebalancing in managing gains and losses
● Understanding the step up in basis and its estate planning benefits
● Why proactive planning matters before markets move

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 during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: 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 discuss tax planning strategies designed specifically for business owners and entrepreneurs. After another year end filled with frustration around tax bills, Paul and Jordan walk through practical and proactive ways businesses can improve tax efficiency, simplify structure, and create better long term outcomes.

They explore how proper entity structure lays the foundation for every strategy, along with tools such as the Qualified Business Income deduction, paying family members for legitimate work, bonus depreciation, cost segregation, research and development credits, and strategic gifting. The conversation also covers buy sell planning, exit strategies, and the importance of coordinating with tax and estate professionals. This episode provides a clear roadmap for business owners looking to reduce unnecessary complexity, retain more earnings, and plan confidently for the future.

In this episode:
● Why business structure is the foundation of effective tax planning
● Common entity mistakes that create unnecessary complexity
● Key deductions and credits business owners often overlook
● How bonus depreciation and cost segregation can reduce taxable income
● Strategies for paying family members and shifting income responsibly
● Buy sell agreements and exit planning considerations
● Coordinating tax, estate, and financial planning for better outcomes

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 during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: 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 bonds and fixed income strategies, and how investors can use them to manage volatility, generate income, and reduce taxes. While equities often dominate investment conversations, Paul and Jordan highlight the significant role fixed income plays for institutions, foundations, and high-net-worth investors focused on preservation and stability.

They discuss how proper bond placement across taxable, tax-deferred, and tax-free accounts can improve after-tax outcomes, along with strategies for managing high-income years. The conversation also covers municipal bonds, tax equivalent yields, and deferral techniques that allow investors to maintain income while controlling adjusted gross income. This episode provides a practical framework for understanding how bonds fit into a well-structured and tax-aware portfolio.

In this episode:
● Why bonds play a critical role in income-focused portfolios
● How tax efficiency impacts bond placement decisions
● Strategies to manage high-income years using fixed-income tools
● The benefits and tradeoffs of municipal bonds
● Understanding tax equivalent yield and its importance
● How tax-deferred accounts can reduce income volatility
● Aligning fixed income strategies with long-term financial goals

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 during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: 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 for an in depth discussion on asset allocation, investment structure, and why proper asset placement can significantly improve long term outcomes. While many investors focus on returns alone, Paul and Jordan explain how taxes, account type, and disciplined portfolio management play an equally important role in building and preserving wealth.

The conversation walks through how the IRS views investments across tax free, tax deferred, and taxable accounts, and why placing the right assets in the right accounts matters. They also explore active rebalancing, automation, tax efficient investing, and tax lot management, highlighting how thoughtful structure and strategy can reduce unnecessary tax drag and help investors stay aligned with their goals over time.

In this episode:
● The difference between asset allocation and asset location
● How tax free, tax deferred, and taxable accounts are treated differently
● Why placing the right investments in the right accounts matters
● How active rebalancing supports long term goals while managing taxes
● The benefits of automated investing and removing emotion from decisions
● Why low turnover and tax efficient funds matter
● How tax lot management can reduce future tax liabilities

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 during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: 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 break down the Augusta Rule, a powerful and often overlooked tax planning strategy for business owners. Properly implemented, this rule allows qualified homeowners to generate tax-free income while their business receives a legitimate deduction.

Paul and Jordan explain the history of the Augusta Rule, how it works under IRS Section 280A, and why documentation is critical to its proper execution. They walk listeners through the step-by-step process business owners should follow, including meeting requirements, fair market pricing, invoicing, and recordkeeping. This episode provides a practical roadmap for those looking to reduce taxes and improve cash flow using strategies already available in the tax code.

In this episode:
● What the Augusta Rule is and how it creates tax-free income
● The history and intent behind IRS Section 280A
● Who qualifies to use the Augusta Rule and why it matters for business owners
● The six documentation steps required to properly implement the strategy
● How to set reasonable rental rates using local comparables
● Why coordination with your tax advisor is essential

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 during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: 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/