show episodes
 
The Your Wealth and Beyond podcast was created to empower entrepreneurs and individuals with the insight and information they need to effectively manage and control their personal and professional finances. This is NOT just another podcast about money! We will focus on helping you grow your business, build your personal wealth and find purpose in what matters most. Join Andrew Rafal, the Founder of Bayntree Wealth Advisors, as he interviews leading industry experts and entrepreneurs who not ...
 
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show series
 
We all talk about estate planning, and most of us think of it as something we’ll get to next year. Why? It’s simple: estate planning forces us to admit we’re not invincible. For so many of us, it takes a major milestone or a tragic event to get our ducks in a row, and that’s not a good way to plan, no matter how old you are or what stage of life yo…
 
Whether you’re a startup, a mature company, or a mom-and-pop, without the right marketing and messaging, you are destined to fail. Amanda Rabideau has spent her entire career helping businesses of all sizes avoid this fate. She’s the founder of Arch Collective, where she helps companies create marketing plans and strategies to reach their ideal cli…
 
For so many people, just hearing the word “timeshare” brings chills, angst, and anger to the surface. There are 10 million timeshare owners out there, and as many as 80 percent of them aren’t just unhappy with what they purchased - they don’t know how to get out of it. If you’re one of the many unsatisfied timeshare owners looking for an exit (or k…
 
Whether you’re an individual working for a company or a business owner, you need to understand your 401(k). Along with Social Security, your savings, and a few other key assets, your 401(k) is probably going to be the single most important account you have. Today’s guest, Brian Hartstein, is the Director of Corporate Development here at Bayntree. F…
 
Whether you’re an executive speaking in front of your colleagues, an entrepreneur leading a sales presentation, or even just talking with your friends, at some point or another, you’re going to have to speak in public. If you’re like a lot of people, it might terrify you – and the COVID-19 pandemic requiring almost all of our meetings to be virtual…
 
Do you want to give more, but feel like you need hundreds of millions of dollars to be a great philanthropist? Are you wondering how to be a more effective giver in your community and the world at large? Are you wondering how to teach the younger generation the value of giving? If so, today’s episode of the podcast is for you. On this Giving Tuesda…
 
No matter who you are or where you grew up, there’s a pretty good chance that you didn’t learn enough about financial literacy in schools. Whether you own a business or you’re a young professional considering starting one, knowing how to avoid the mistakes that will haunt you for years to come is incredibly important in the early stages of running …
 
More than ever before, local businesses and small business owners need your support. If you’re a business owner, I’m sure you know this by now; if you’re a consumer, you’re probably wondering what you can do to help your community and stop big chains from taking over even more of the landscape. For the last 15 years, Thomas Barr has been helping co…
 
Most people are better at planning a vacation than they are planning for retirement. People think of it as something far off that they ignore for years or decades. They make major mistakes, choose products that don’t suit their needs or meet their goals, or fail to take advantage of the opportunities provided to them. Sarah Holden understands well …
 
The Retirement Red Zone is a critical point for those getting closer to retirement. Similar to the distance from the 20-yard line to the end zone in football, this is a place where it’s so important not to make mistakes. This phase is crucial to ensure that your retirement will be stable and you’ll have a chance to truly enjoy your “golden years,” …
 
We’ve all been there: you’re at a business conference or a dinner. You get introduced to a handful of people, you introduce yourself, you hear their names, and within two minutes, you completely forget all of them. One person who hasn’t had this problem for years is Chester Santos. Chester won the US Memory Championship over a decade ago and has sp…
 
To say that we’re living in interesting and unpredictable times is an understatement. For business owners and leaders, this is especially true. However, no matter what industry you’re in, or what you do, there’s still no tool more powerful than a team that’s ahead of you and allows you to focus on your unique ability. They give us the power to grow…
 
With schools, camps, and colleges either closed or reassessing the safety of operating as we navigate the COVID-19 pandemic, many of us have been spending more time with our kids than ever before. My 14-year-old daughter, Winter, has been helping me out at Bayntree, and has taught me a lot about TikTok, YouTube and how Gen Zers think about money al…
 
Like never before in our lives, the COVID-19 pandemic has us facing the same challenges, no matter who we are or where we live. Virtually everything about how we live and work has been changed by the pandemic, and it can be harder than ever to feel like you have control over your life. For years, Dr. Jen Hartstein has been helping people get and st…
 
Social Security is a massively important asset to build a comfortable retirement. You don’t want to outlive your money or your lifestyle, and it’s very possible to do both. The Social Security code is even longer than the tax code, there’s so much misinformation out there, and there are countless tricky situations you can end up in if you don’t pos…
 
The CARES Act has made massive, sweeping changes to our tax system and our business landscape. Whether you’re an entrepreneur, an employee, someone who was recently laid off, or a retiree, you probably have big questions about the programs available to you. How can you best use your money to get through this trying time, and how will you keep up wi…
 
Congress just passed the biggest stimulus bill of our lifetime. The CARES ["Coronavirus Aid, Relief and Economic Security] Act is a massive bill of all bills, totaling in the trillions of dollars, and it’s going to have significant impacts on us as business owners and individuals as we work together to get through this tough time. Today, I want to …
 
There are more scams, major cybersecurity incidents, and cases of identity theft happening now than ever before in history - and countless opportunities for you or your loved ones to be taken advantage of. Few people understand the ins and outs of these scams better than Steve Weisman. Steve is a highly respected cybersecurity expert who has built …
 
As we approach the end of 2019, I wanted to take some time to talk about Required Minimum Distributions (RMDs). For those approaching the age of 70 ½, the government requires that you start taking out a portion of the money in your retirement accounts that you've been deferring for all these years. Understanding what’s required can get complicated …
 
No client has ever said “I want to pay more in taxes.” However, many business owners make financial decisions that are effectively choosing to give more money to the government, especially when it comes to retirement planning. Few people understand this better than Brian Hartstein. Brian is the Director of Corporate Development here at Bayntree Wea…
 
Over 109 million people are reaching retirement age. This means that the stresses that they’re facing, whether they’re physical or mental, are taking more of a toll on families than ever before. Finding the right care and facilities for aging adults is becoming a bigger challenge than ever before, but David Piontek is working to give back. As a Pla…
 
10 years ago, the term “social media” barely existed. Now, for almost every entrepreneur, social media marketing has completely changed how business is done online. Running effective campaigns isn’t simple, and there are a remarkable number of platforms, strategies, and thoughts on how best to connect with and convert audiences. Natalie Speers is t…
 
Few documents are as complicated and can have as much of an impact on your financial well-being than the US tax code. Many financial advisors don’t know the rules as well as they think they do, and this can lead to costly mistakes for their clients. This is why Ed Slott is on a mission to help you keep more of your hard earned money. He’s a nationa…
 
Kristin Brabant is a life and business coach who empowers female entrepreneurs and professionals to lead careers and lives on fire. With nearly a decade of experience in facilitation and coaching, she’s supported corporate executives, incarcerated youth, and mompreneurs in pursuing their life’s biggest goals joyfully. Kristin’s approach to coaching…
 
Diane Gardner is a tax superhero. Since rebranding her business during the Great Recession, she’s saved her clients over $3,070,374 in taxes by helping them strategically plan their way to lower tax liability. She’s also the author of seven books, including 10 Most Expensive Tax Mistakes That Cost You Thousands, Stop Overpaying Your Taxes, and Stan…
 
It’s impossible to deny that college is one of the biggest expenses you, your children, and even your grandchildren will ever face. To make matters worse, the costs of college tuition are still climbing rapidly, with some schools forecast to cost as much as half a million dollars to attend as soon as a decade from now. No matter how old your kids a…
 
Zachary Kepes is the founder of Zak Ventures. From nearly broke in 2007 to owning more than 150 single family homes a decade later, he’s built a real estate empire by purchasing, renting, and flipping distressed and low-income property. In his 17 years in this industry, he survived the Great Recession of 2008 and emerged on the other side of it to …
 
Virginia Morris is the author of How to Care For Aging Parents. Originally published in 1996, it has been described as “The bible of eldercare” by ABC World News, “An indispensable book” by AARP, and “A compassionate guide of encyclopedic proportion” by The Washington Post. With Baby Boomers approaching old age, Virginia’s book is more relevant tha…
 
Harry Clark is a highly-rated serial entrepreneur and keynote speaker. He’s overseen sales of major companies, founded two Inc. 500 companies, and travels the world speaking to entrepreneurs, family businesses, and executives. However, Harry has also learned some of the toughest lessons in business the hard way. In his book, Mistakes Millionaires M…
 
Shortly after John Lanza’s first daughter was born, he and his wife decided that they wanted their children to be smart with money. With a background in animation, entertainment, and education, he set out to make learning about money fun. To do this, he created the Money Mammals, which teaches sharing, saving, and spending smarts to children throug…
 
Emily Guy Birken helps people become more financially savvy. She took a year off from teaching when her son was born, and in that time began writing for both Wise Bread and PT Money - and discovered a way to make use of her skills as both a teacher and a finance nerd. She’s written four books, including The 5 Years Before You Retire, Making Social …
 
From the 1950s through the 1970s, most Americans found a job, then stuck with it for 30 or 40 years. When they retired, they received a pension, and it provided them with a guaranteed income for life. However, in the late 1970s, the 401(k) replaced pensions - and changed that forever. Now, many of us constantly change jobs, and can amass multiple 4…
 
Deepak Shukla is the founder and CEO of Pearl Lemon - an award-winning SEO agency that outranks bigger, better-funded competitors. He’s a leader in helping people grow their businesses and cultivate online reputations, and his work has been featured in TedX talks, as well as on SEMRush, the Huffington Post, UpWork, and Woorank. However, his journey…
 
You can’t legally get away from paying taxes - it simply isn’t possible. However, if you live in Arizona, like I do, and you want to help make sure that your tax dollars are going to a good place, you have a number of wonderful ways to do exactly that. In fact in the state of Arizona, if you’re a joint filer, you have the potential to receive dolla…
 
Chris Ronzio is a serial entrepreneur. As the founder and CEO of Trainual, he helps small and growing businesses document what they do, delegate roles, and create scalable operations manuals to centralize and teach their processes, roles, and responsibilities. Before founding Trainual, Chris learned how to build and sell smart, scalable businesses,…
 
As planners, advisors, and CPAs, we all know that the Health Savings Account is the best retirement account out there. If you’re not contributing to one, you need to ask yourself - or your financial planner - why not, especially if you’re a high income individual or a business owner who has a high-deductible health insurance plan. The HSA is the on…
 
Many healthcare decisions were made for you by your parents as a child and your employer as a working adult. However, once you turn 65, you’re suddenly eligible for Medicare - and there are many options, as well as mistakes you can make. One wrong decision can lead to financial penalties for life, and having insufficient coverage can completely der…
 
This is Part 3 in our three-part series about Required Minimum Distributions. If you missed the previous two, click here to listen to Part 1 and click here to listen to Part 2, where we discussed the basics of RMDs and big-picture strategies to help you reduce them. Now, we’re going to help you answer a huge (and tricky) question: What should you d…
 
In 2018, security and cyber breaches are no longer a matter of if - they’re a matter of when, and how protected you are. In fact, most people have already had some portion of their data or personal information compromised, but don’t yet know it. Dan Konzon is the Vice President of Guidance and Information Technology at Advisor Armor - a cybersecuri…
 
Thank You for choosing "In the Black, Inc." We will be discussing a variety of topics that is centered around daily money matters. 1.Purchasing a home 2.Defaulted Student Loans 4.Buying a car 5.Building Credit 6.Retirement 7.Investments 8.Entrepreneurship 9.Career Development 10.Paying for College Subscribe, Like, and Follow? FB:Blackmoneydoc IG:Bl…
 
One of the goals of the Your Wealth & Beyond podcast is to arm you with the information to make sound decisions to build your retirement - and decumulate those assets to give you the income you need along the way. Because we’ve received more questions about required minimum distributions (RMDs), we’re tackling this issue across 3 episodes. If you m…
 
Over the years, we’ve received more questions about Required Minimum Distributions (RMD) than just about anything else - and because there’s so much information out there, I’m tackling this topic in a three-part series. In today’s episode (Part 1), I dive into the basics of the required minimum distributions, how they relate to your IRA, Roth IRA, …
 
As the owner of a financial planning firm that has helped hundreds of families plan their retirement, it’s clear that many people overlook how Social Security can fit into their financial and income planning puzzle - and there’s a lot of misinformation out there. A lot of so-called "financial advisors" or CPAs don’t educate their clients about the …
 
Most people aren’t born great leaders. However, there’s one organization that often produces incredible entrepreneurs and startup power players in the private sector - the Navy SEALs - and Jeff Boss is living proof. After serving as a SEAL for 13 years, Jeff uses the principles he learned to help people build businesses, become better leaders, and …
 
If you’re a business owner or a solo entrepreneur, you have a variety of options when it comes to planning your retirement, paying your taxes, and avoiding penalties along the way. With over 25 years’ experience working with business owners and CPAs, Brian Hartstein, Director of Corporate Development at Bayntree Wealth Advisors, helps his clients u…
 
In 2010 Michael Messinger faced an extraordinary challenge; continue his successful career at a large institutional financial firm that paid well, provided fantastic benefits and gave him the flexibility to control his schedule or leave it all behind to start his own firm Redwood Investment Management. Based in Beverly Hills, CA and working almost …
 
No matter what kind of business you run, finding your purpose - and bringing your company into alignment with it - is key to long-term, sustainable success. Adam Goodman knows this better than almost anyone else. As the 3rd-generation leader of Goodmans Interior Structures, he initially had no desire to become part of the family business - but then…
 
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