Expert Reveals Holiday Secrets of Millionaires That Actually Work
Holiday cheer should not come with a credit card hangover. In this special episode, Andrew Nida and Moise Piram unpack how to enjoy Thanksgiving through Christmas without getting trapped by corporate tactics, fake deals, and costly patterns. We cover what has changed in holiday shopping, how to spot real versus fake discounts, why kids thrive with less, and a practical AMG Holiday Playbook you can use today.

What you will learn
• Thanksgiving by the numbers and why expectations drive overspending
• How holiday shopping has shifted from in store to online and why manipulation increased
• The truth about most Black Friday and Cyber Monday pricing
• How holiday credit card debt grows and simple ways to avoid it
• Why kids remember experiences more than volume
• AMG Holiday Playbook steps to take before you buy

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Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

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The Hidden Cost of Multiple Advisors: An $86,000 Mistake
Two advisors. One expensive collision. In this episode I unpack how $86,000 in realized capital gains from an uncoordinated brokerage account cascaded into surprise taxes, higher Medicare premiums through IRMAA, and a missed Roth conversion window. If you split assets across firms, this is your wake up call to coordinate or consolidate.

What you will learn
• Why multiple advisors often create tax and planning conflicts
• How IRMAA works and why income thresholds matter for two full years
• The hidden cost of realized gains inside taxable accounts
• When Roth conversions make sense and how they can be blocked by bracket creep
• A simple checklist to audit your advisor relationships and reduce surprises

Chapters
Hook and story set up
Why splitting advisors sounds smart
The $86,000 capital gains surprise
IRMAA and premium surcharges
The Roth conversion opportunity lost
The system problem and your role
What to do next and coordination checklist
Takeaways and next steps

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Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

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STOP Using Multiple Financial Advisors Before You Watch This!
Are multiple financial advisors helping or quietly hurting your plan
In today’s episode Andrew Nida and Moise Piram from Asset Management Group Inc unpack the hidden costs of splitting assets across advisors including surprise capital gains IRMAA surcharges missed Roth conversion windows wash sales and fee creep

We walk through a real case where an $86,000 capital gain from an uncoordinated account triggered higher Medicare premiums derailed tax planning and cost tens of thousands in avoidable drag

What you will learn
• Why diversifying investments is smart but diversifying advisors fragments your strategy
• How IRMAA surcharges and the two year lookback can compound one decision
• The coordination gap that kills Roth conversions tax loss harvesting and withdrawal sequencing
• A simple audit to decide whether consolidation makes sense for you

If you find this helpful like share and subscribe to stay current on financial planning tax planning wealth management and more

Follow us on
X.com: https://x.com/AMGinc_ATL
Instagram: https://www.instagram.com/assetmanagementgroupinc/
LinkedIn: https://www.linkedin.com/company/amgincatl/
Facebook : https://www.facebook.com/beyondtomorrowpodcast
Website: https://www.assetmg-inc.com/
YouTube: https://www.youtube.com/@assetmanagementgroupinc
TikTok : https://www.tiktok.com/@assetmanagementgroupinc
Blog: https://www.assetmg-inc.com/blog

Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

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