Live Life Liberated

QTIPs can do more than just clean your ears. They can provide another option in estate planning and tax strategies. Join Bryan Schick and estate and trust attorney Daniel Stolfa on “Live Life Liberated” as they unravel the intricacies of Qualified Terminable Interest Property (QTIP) trusts. This episode dives into the world of QTIP trusts, a vital estate planning tool, especially for high-net-worth individuals in states with high taxes like California. Listen as Daniel shares his extensive experience with estate and taxation strategies, offering insights on how to optimize estate and income tax advantages through intelligent planning. Bryan and Daniel discuss: What exactly is a QTIP trust? [00:01:33] Challenges faced by California residents with state taxes. [00:04:27] How QTIP can aid tax and estate planning. [00:02:56] The role of state domicile in QTIP benefits. [00:13:02] Important considerations and common pitfalls in setting up a QTIP. [00:19:11] Connect with Bryan Schick: LinkedIn: Bryan Schick Connect With Dan Stolfa: LinkedIn: Dan Stolfa Centura Wealth Advisory Connect With Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory   About Our Team: Bryan Schick joined Centura in July of 2024 as a Vice President of Insurance & Strategy. A background in accounting and mergers and acquisitions led Bryan to a career in the financial services industry. Prior to joining Centura, Bryan held senior leadership roles in large life insurance distribution groups as well as life insurance companies. Using his knowledge of the drivers in both the finance and insurance sectors, along with my deep experience in risk analysis, design structure and relationship management, he creates planning solutions for families while ensuring alignment between all the parties involved. Dan Stolfa joined Centura Wealth Advisory in October 2024 as a Senior Wealth Advisor. With a background in law and accounting, Dan transitioned into the financial services industry 20 years ago, building a distinguished career working with families, business owners, executives, foundation leaders, board members, interim CFOs, trust fiduciaries, EOS Implementers, and high-net-worth individuals nationwide. He specializes in identifying and implementing solutions for financial planning, succession planning, and wealth management needs.

Feeling on edge about your investments during these unpredictable market waves?  Matt Griffith and Sean Clark are breaking down the essentials of investment behavior amidst the whirlwind of market volatility, referencing specific examples from the years we’ve seen wild swings.  They focus on the art of portfolio construction and maintaining discipline even when the market seems all over the place. Listen closely for pointers on navigating through uncertainty with confidence, thanks to their Liberated Wealth® process. Key discussion points include: The importance of maintaining a disciplined investment strategy to weather market storms [00:06:42] How diversification and alternatives can add balance and reduce risk [00:03:11] Strategies to protect against inflation and utilize tax efficiencies [00:11:41] Real-world scenarios showcasing practical investment responses to market changes [00:09:29] And more! Connect with Matt Griffith: mgriffith@centurawealth.com LinkedIn: Matt Griffith Connect with Sean Clark: LinkedIn: Sean Clark Connect With Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory About Our Team: As the son of a coach, Matt grew up roaming the sidelines of football games and tagging along to local gyms during basketball season. Basketball was his sport, and he enjoyed being a part of some really good teams playing small college basketball. There was no better feeling than being a part of a winning team, collaborating with others, and working toward a specific goal. After college, Matt became fascinated with capital markets. It was hard to miss in the late 90’s, as stocks were running wild in the formation of the tech bubble. He made his way to the investment business in late 2000. Sean Clark has 13 years of experience in the Financial Services Industry serving High Net Worth Families and Institutional Clients. Sean holds a Bachelor of Arts (B.A.) in Economics from Clemson University and a Master of Science (M.Sc.) in Risk Management from New York University. Areas of expertise include Financial Planning and Portfolio Management, specializing in applied mathematics and risk.

Are you prepared for the changes on the horizon with estate tax exemptions?  Let’s discover how to plan and preserve your wealth strategically! Join host Bryan Schick as he dives deep into post-election exemption planning with Dan Stolfa, a Senior Wealth Advisor and trust and estates attorney at Centura Wealth Advisory. Together, they unravel the complexities of the current transfer tax system and explore the potential impacts of upcoming changes to estate tax exemptions. Key discussion points include: Understanding the current federal estate tax exemption and its impending reduction [00:03:05] The concept of portability and its significance in estate planning [00:05:42] Legislative uncertainties and the risks tied to postponing estate planning actions [00:07:15] Strategies tailored for different tiers of net worth to optimize exemptions [00:14:57] And more! Connect with Bryan Schick: LinkedIn: Bryan Schick Connect With Dan Stolfa: LinkedIn: Dan Stolfa Centura Wealth Advisory Connect With Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory About Our Team: Bryan Schick joined Centura in July of 2024 as a Vice President of Insurance & Strategy. A background in accounting and mergers and acquisitions led Bryan to a career in the financial services industry. Prior to joining Centura, Bryan held senior leadership roles in large life insurance distribution groups as well as life insurance companies. Using his knowledge of the drivers in both the finance and insurance sectors, along with my deep experience in risk analysis, design structure and relationship management, he creates planning solutions for families while ensuring alignment between all the parties involved. Dan Stolfa joined Centura Wealth Advisory in October 2024 as a Senior Wealth Advisor. With a background in law and accounting, Dan transitioned into the financial services industry 20 years ago, building a distinguished career working with families, business owners, executives, foundation leaders, board members, interim CFOs, trust fiduciaries, EOS Implementers, and high-net-worth individuals nationwide. He specializes in identifying and implementing solutions for financial planning, succession planning, and wealth management needs.

Are you ready to level up your financial strategy and bring your wealth advisory team to the next level? Making the right changes can catapult your success! In this episode, Samantha Lawrence sits down with Kyle Whissel, owner of Whissel Realty, to dive into his dynamic journey of financial growth and expansion. With a rapidly growing business and a shift to more aggressive financial strategies, Kyle shares insights on how Centura Wealth Advisory has been a game-changer in managing his wealth. From overcoming seven-figure tax bills to building a cohesive and powerful financial team, Kyle and Samantha discuss the importance of upgrading advisors as your wealth grows. Listen in for a candid conversation that covers the move from fundamental strategies to complex solutions that align with ambitious personal and professional goals. Talking points include: His transition from foundational financial planning to advanced strategies at [0:04:56] The importance of building a coordinated team of advisors at [0:05:54] Experiences in real estate development and innovative financial ideas at [0:12:42] The benefit of leveraging Centura’s expertise to navigate complex investment opportunities at [0:16:49] Insights on implementing flexible financial strategies to align with fluctuating incomes at [0:21:20] Connect With Samantha Lawrence: LinkedIn: Samantha Lawrence LinkedIn: Centura Wealth Advisory Connect With Kyle Whissel: (858) 203-1994 Whissel Realty Group LinkedIn: Kyle Whissel Instagram: @KyleWhissel Connect With Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory About Our Guest: Kyle Whissel has been a San Diego real estate expert since 2002, working in every facet of the industry, from property management to investing and flipping. He is the CEO and team leader of Whissel Realty Group, brokered by eXp Realty, with three locations across the county. Recognized as the #1 real estate team in San Diego by The Wall Street Journal, Kyle’s team delivers exceptional service with a client-focused approach. “Who Represents You Matters.”

Are you leaving money on the table? If you’re a high-net-worth family or business owner, hidden tax savings could add up to millions in your real estate or business.  But how do you find them? This week on Live Life Liberated, Derek Myron sits down with tax professional Eric P Wallace to talk about strategies that unlock significant financial opportunities. They cover everything from speeding up real estate depreciation with cost segregation to revisiting past expenses and finding missed deductions through Tangible Property Regulations (TPRs).  If you’re looking for practical, powerful ways to maximize your wealth and fine-tune your financial plan, this release is worth a listen! Talking points include: Cost Segregation: Accelerate depreciation of real estate components to uncover immediate six- or seven-figure deductions Tangible Property Regulations (TPRs): Reclaim missed deductions retroactively by scrubbing your depreciation schedule for improperly capitalized expenses Change in Accounting Methods & Private Letter Rulings (PLRs): Unlock significant tax deferrals with IRS-approved adjustments, ideal for businesses generating $50M+ in revenue Collaboration with CPAs: How niche specialists complement your existing CPA relationship to uncover hidden opportunities Real-Life Success Stories: Learn how clients across industries—from construction to fast food—discovered millions in missed tax savings And much more! Connect with Derek Myron: dmyron@centurawealth.com  LinkedIn: Derek Myron Connect with Eric P. Wallace: LinkedIn: Eric P. Wallace, CPA Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

How can high-net-worth families and business owners protect their wealth and maximize tax efficiency in today’s volatile markets? This week on Live Life Liberated, Sean Clark, Partner at Centura Wealth Advisory, and Chris Osmond, Chief Investment Officer, unpack the impactful power of direct indexing. This personalized approach combines tax loss harvesting and tailored portfolios to deliver tax alpha, potentially adding 0.5%–2% annually to your returns. Tune in as Sean and Chris explore how direct indexing could optimize taxable accounts, prepare you for significant liquidity events, and manage concentrated stock positions—all while aligning your portfolio with your unique values. Talking points include: How direct indexing allows you to own individual stocks that replicate an index, offering greater flexibility and tax optimization through Separately Managed Accounts (SMAs) How tax alpha is created by leveraging tax loss harvesting to offset gains and income, particularly in volatile markets, adding a potential of 0.5%–2% annually to your portfolio returns Why personalized portfolios can align with your values (e.g., excluding specific industries) while tailoring exposures to fit your unique financial goals The best use cases for direct indexing include maximizing tax benefits in taxable accounts, preparing for liquidity events, and managing concentrated stock positions for executives Why Centura Wealth Advisory partnered with Aperio, a BlackRock-backed leader, to provide institutional-grade customization, monthly tax harvesting, and cutting-edge algorithms How direct indexing offers cost-efficiency, with fees comparable to ETFs (20 basis points), ensuring all added tax efficiency goes directly to you And much more! Connect with Sean Clark: LinkedIn: Sean Clark Centura Wealth Advisory Connect with Chris Osmond: LinkedIn: Chris Osmond Centura Wealth Advisory Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

With tax laws on the brink of change, how can high-net-worth families not only protect their wealth but maximize their tax efficiency?  This week on Live Life Liberated, Kyle Malmstrom, Managing Director at Centura Wealth Advisory, and Adam Buchwalter, Partner at Wilson Elser, deliver a powerful, must-hear breakdown of the critical differences between grantor and non-grantor trusts—and how each could be a key tool to elevate and optimize your estate plan. Tune in as they explore the potential impact of upcoming legislation on grantor trusts, revealing why right now is the perfect moment to take action and lock in benefits before it’s too late.  Talking points include: The difference between grantor trusts, where the grantor pays the taxes, and non-grantor trusts, which file their own returns and face higher tax rates How grantor trusts help assets grow tax-efficiently, and how non-grantor trusts can lower state income taxes by being set up in low-tax states like Nevada or Delaware Why proposed laws, like Senator Warren’s bill, could change the benefits of grantor trusts—and why it’s critical to act quickly How states like New York and California tax trusts differently, and strategies to avoid high state taxes with proper trust planning Why working with professionals is key to navigating the complex rules and keeping your wealth safe for the future And much more! Connect with Derek Myron: dmyron@centurawealth.com  LinkedIn: Derek Myron Connect with Kyle Malmstrom: LinkedIn: Kyle Malmstrom Centura Wealth Advisory (858) 771-9500 kmalmstrom@centurawealth.com  Connect with Adam Buchwalter: LinkedIn: Adam Buchwalter LinkedIn: Wilson Elser Wilson Esler 973-735-5784 adam.buchwalter@wilsonelser.com Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

What does it take for ultra-high-net-worth families to turn their wealth into a lasting legacy? At Centura Wealth Advisory, it all starts with really understanding our client’s paint points.  Wealth strategists Derek Myron and Sean Clark examine how Centura’s service model is crafted for those with an income of $2 million and assets over $20 million. They discuss their approach to working with C-level executives and founder-led business owners, optimizing each financial strategy intentionally with their long-term goals. From Centura’s unique Liberated Wealth Planning Process—aimed at delivering a 5X return on costs through tax mitigation and balance sheet optimization—to their ‘Goldilocks’ strategy that balances personalized care with exclusive alternative investment opportunities, they reveal how Centura builds trust and maximizes outcomes for its clients. Talking points include: Centura’s specialized approach to business owners based on their timelines for selling their companies How the Liberated Wealth Process aims to provide exponential returns through strategic tax and investment planning The importance of transparency in Centura’s client engagement—from initial meetings to comprehensive reporting The seamless integration of planning and investment strategies tailored to optimize estate and retirement accounts The ‘Goldilocks’ firm philosophy—small enough for personalized services but large enough to access meaningful opportunities And a closer look into how Centura prioritizes client needs to build long-term trust And much more! Connect with Derek Myron: dmyron@centurawealth.com  LinkedIn: Derek Myron Connect with Sean Clark: LinkedIn: Sean Clark Centura Wealth Advisory Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

What’s the secret to cultivating a workplace where people are empowered, engaged, and driven to succeed? At Centura Wealth Advisory, it all starts with a commitment to core values and a leadership approach rooted in trust and open communication.  Krystal Puryear, Director of People and Culture, and Nicole Hubbs, Talent Acquisition Specialist, share how Centura has built a thriving culture by focusing on transparency, excellence, integrity, passion, and respect. From using Radical Candor to foster trust and autonomy to creating opportunities for employee growth and innovation, this conversation provides valuable insights for any business leader or HR professional looking to strengthen their organizational culture.  Talking points include: How Centura’s core values shape a thriving, engaging work environment The power of Radical Candor and executive coaching in fostering leadership growth How open communication and social events strengthen relationships and build trust within the team The keys to identifying and hiring talent that aligns with company values and culture Encouraging employee autonomy to foster innovation and a sense of ownership The Diamond Team model’s role in enhancing collaboration, knowledge sharing, and career development Upcoming team events and celebrations that reinforce employee engagement and appreciation And more! Connect with Krystal Puryear: LinkedIn: Krystal Puryear, SHRM-CP Centura Wealth Advisory Connect with Nicole Hubbs: LinkedIn: Nicole Hubbs Centura Wealth Advisory Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

Are you fully capitalizing on your business’s financial strategy? If not, you could be missing out on critical growth opportunities and tax savings. Let’s celebrate 100 episodes of Live Life Liberated with a value-packed discussion! This week, host Derek Myron interviews Jonny Borok, a highly experienced fractional CFO, about how these experts help business owners achieve their investment and estate planning goals with greater precision.  Their conversation reveals the unique advantages of hiring a fractional CFO, the importance of cross-disciplinary collaboration among advisory teams, and why a unified financial strategy is vital for sustained success. Whether you’re steering a business with $5 million or more in revenue or seeking to fine-tune your financial approach, this release offers invaluable insights that could revolutionize your financial planning! Talking points include: The distinct advantages of a fractional CFO for strategic oversight and solving complex financial challenges The enhanced insights a fractional CFO brings from working across multiple industries and clients The crucial impact of effective collaboration between wealth managers, tax strategists, legal experts, and accountants Identifying businesses that stand to benefit most from fractional CFO services, with a focus on strong accounting foundations The essential role of accurate financial reporting in tax planning and how to establish reliable reporting systems The pitfalls of working in silos and the need for continuous coordination among your advisory team Practical guidance on when to consider a fractional CFO for improving financial reporting, cash flow, and tax strategy And much more! Connect with Jonny Borok: Email: jborok@jangcfo.com  Direct: (858) 336-5907 Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory About Our Guest: Jonny Borok has over 25 years of experience as a CFO for primarily San Diego-based, privately held mid-market companies. He has had responsibility for the full range of accounting and finance functions including insurance and tax matters.

Could your business be missing out on thousands in tax savings right now? In this episode of Live Life Liberated, Greg Klipstein and Samantha Lawrence uncover the Qualified Business Income (QBI) deduction — a powerful yet often overlooked tax benefit designed to help small businesses reduce their tax burden. Despite its potential, many business owners miss out on this opportunity due to inadequate planning or advisory support. Whether you’re a small business owner or someone responsible for managing your company’s finances, this conversation is packed with actionable insights to help you optimize your tax strategy and keep more of your hard-earned money. Talking points include: Understanding the QBI deduction and its role in reducing tax burdens for small businesses Common reasons why the QBI deduction is missed, including improper company structure and poor communication with advisory teams The essential role of proactive and well-coordinated advisory teams in ensuring the deduction is utilized effectively How to correct missed QBI deductions in current & prior tax years and the value of addressing these issues promptly Broader implications of missing the QBI deduction, such as overlooked retirement planning opportunities and other tax-saving strategies Evaluating whether it’s time to replace your advisory team to better manage complex financial needs And more! Connect with Samantha Lawrence: LinkedIn: Samantha Lawrence, CFP® Centura Wealth Advisory Connect with Greg W. Klipstein: LinkedIn: Greg W. Klipstein / JD, LL.M, CFP Centura Wealth Advisory Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

Curious about why multifamily real estate stands out as a resilient and potentially lucrative investment? Join Chris Osmond, CFA, CAIA®, CFP®, Chief Investment Officer at Centura Wealth Advisory, as he sits down with Rob Ireland, Managing Director at Continental Realty Assets (CRA). Together, they explore the impact of multifamily real estate, uncovering its multitude of benefits, strategic approaches, and current market trends.  Learn how Centura’s strategic partnership with CRA is designed to deliver exceptional investment outcomes and redefine your wealth management strategy! Talking points include:  Reducing or deferring taxes through strategic investments The consistency and tax advantages of multifamily real estate The impact of the housing crisis and high financing costs on new housing Long-term demand for multifamily housing due to supply constraints The importance of alignment between Centura and investment partners And more! Connect with Chris Osmond: LinkedIn: Chris Osmond Connect with Robert Ireland: LinkedIn: Robert Ireland Continental Realty Group Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory About Our Guest: Robert Ireland joined CRA in 2007 and served in various acquisition, research, and asset management roles until 2014 when he was appointed as CRA’s Director of Acquisitions. During his tenure at CRA, Robert has played a key role in identifying, negotiating, and closing more than $600MM in multifamily acquisitions across the country. As Director of Acquisitions, Robert is responsible for leading CRA’s acquisitions, due diligence, and research teams to identify markets that meet CRA’s investment criteria, uncover dislocations of value, conduct financial analysis, set accretive business plans, and negotiate and close transactions. Robert is also focused on building and fostering relationships with CRA’s various family offices and individual and institutional capital partners. After graduating from Colorado State University in 2006 with a degree in Finance and Real Estate, Robert’s career has been focused on the multifamily industry, with experience in both brokerage and acquisitions. He resides in Denver with his wife and two sons and is an avid fly fisherman.

Coming from a humble background, Charlie Neer experienced financial turmoil early in his life.  But over the years, he has found success in multiple senior executive positions at various organizations — currently as Chief Revenue Officer (US) at MiQ. Two years ago, Charlie became a client of Centura Wealth Advisory (Centura). In this episode, Centura’s Managing Director Derek Myron interviews Charlie, who candidly shares his client experience, pivotal moments during the journey, and how his wealth management has become better aligned with his purpose. Derek and Charlie discuss: What prompted Charlie to finally seek professional financial guidance Centura’s comprehensive Liberated Wealth® process How Centura helps coordinate all aspects of wealth management (investments, estate planning, tax planning, etc.) Charlie’s advice to other high-net-worth individuals And more Connect with Derek Myron: dmyron@centurawealth.com  LinkedIn: Derek Myron Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory   The presented testimonial is from a current Centura client and is for informational purposes only. The statements provided should not be considered as a representation of all client experiences, which may differ substantially.

Most business owners, when asked about their timeline for exiting their business, often say it will take five years. When you ask the same question again next year, guess what they say? Five years! Without proper guidance and planning, you may be tempted to kick the can down the road until it’s too late. Listen in as Zoe Singh, CFP®, Wealth Advisor at Centura Wealth Advisory, and Andrea Steinbrenner, CEO of Exit Consulting Group, share the process for an effective business exit so you can be ever-ready to transition smoothly into the next chapter of your life. Zoe and Andrea discuss: The ideal time to start your exit planning for significant tax benefits The three stages of exit readiness Latest market trends affecting the M&A space (especially private equity) The sales process and timeline from initial business valuation to the final transaction How do internal sales (family members, partners, key employees, etc.) differ from external sales (strategic buyer, PE firm, etc.) And more Connect with Zoe Singh: LinkedIn: Zoe Singh Connect with Andrea Steinbrenner: LinkedIn: Andrea Steinbrenner Exit Consulting Group Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory About Our Guest: Andrea Steinbrenner is the Chief Executive Officer at Exit Consulting Group, Inc. (ECG). An experienced, versatile executive who has worked across a multitude of industries throughout her career, Andrea’s objective is to leave businesses better than she finds them and works hard to provide her clients and companies with the best possible outcome. Andrea began her career in the Midwest, working her way up the managerial ladder in the retail industry. After marrying a naval officer, she attended San Diego State University and earned a Bachelor’s in accounting. She then worked for TGG Accounting, a mid-sized, outsourced accounting firm. And quickly rose through the ranks to become a fractional CFO working in a number of industries, including construction, manufacturing, retail, professional services, financial services, cannabis, hospitality, franchises, and e-commerce sectors, among others.  Deciding to take her career in a slightly different direction, Andrea became the VP of Operations and grew the company from less than 100 clients to over 250. After receiving an EMBA, Andrea left her position and started Canopy Consulting, a business consulting firm. She was referred to Exit Consulting Group (ECG) as a consultant in 2019 and is transitioning to CEO in October 2022.

Alternative investments may offer significant opportunities for superior risk-adjusted returns and portfolio diversification. Yet, many investors find their portfolios thin of these investments. In this episode, Centura Wealth Advisory’s Chief Investment Officer, Chris Osmond, CFA, CAIA®, CFP®, talks about the world of alternative investments and their critical role in a high-net-worth portfolio. Tune in and learn how Centura Wealth Advisory (Centura) approaches alternatives based on its overarching investment philosophy. Chris discusses: Understanding the role of alternative asset classes in a diversified portfolio The “core-satellite” strategy to navigate alternative investments in a risk-controlled manner Centura’s comprehensive due diligence process Where Centura adds significant value compared to competitors And more Connect with Chris Osmond: LinkedIn: Chris Osmond Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

Some states (like California, New Jersey, and New York) charge significant capital gains taxes.  However, there are 8 states that have zero capital gains tax! This disparity creates some tax planning opportunities for people living in highly taxed states. Tune in to Derek Myron’s conversation with Adam Buchwalter, Partner at Wilson Elser, about effective tax-saving strategies for high-net-worth individuals, founder-led business owners, and C-level executives who want to reduce their capital gains taxes from a large liquidity event. Adam and Derek discuss: The benefits of setting up a non-grantor trust in a state with lower tax rates ING Strategies and their tax implications Why the same strategy may not work in New York or California (and what to do instead) Tax advantages of QTIP Trusts And more Resources: Episode 11 – WINGs, NINGs, DINGs and Other Things – with Mark Morris Of Levitzacks Connect with Adam Buchwalter: (973) 735-5784 adam.buchwalter@wilsonelser.com  LinkedIn: Adam Buchwalter Wilson Elser Connect with Derek Myron: dmyron@centurawealth.com  LinkedIn: Derek Myron Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory About Our Guest: Adam Buchwalter is engaged in the practice of estate and tax planning, including developing strategies for limiting estate and income taxes, providing for a disabled child, selecting fiduciaries to manage one’s affairs, and setting up ancillary documents including powers of attorney and advance directives for health care. Adam’s practice also deals with all aspects of estate administration, from probate and gathering assets to preparing estate tax returns and distributing assets to the estate’s beneficiaries.

Are you ready to dive into the world of proactive and comprehensive wealth management designed to help ultra-high-net-worth individuals achieve exponential results? In this episode, Sean Clark speaks with Derek Myron, founder, CEO, and managing director of Centura Wealth Advisory (Centura), about the innovative Liberated Wealth® process. Discover the five-step journey Centura’s clients embark on, from uncovering their goals to designing personalized strategies, implementing solutions, and ongoing stewardship to ensure continued success. Sean and Derek discuss: Sophisticated planning for founder-led business owners and C-level executives Differentiating “above-the-line” planning for exponential results The importance of ongoing stewardship and annual review processes How Centura delivers a white glove treatment at every step Centura’s collaborative approach and referral system for advisors and other professionals And more Resources: Liberated Wealth® Process Elite Advisor Collaboration Program (EACP) Connect with Sean Clark: sclark@centurawealth.com LinkedIn: Sean Clark Connect with Derek Myron: dmyron@centurawealth.com  LinkedIn: Derek Myron Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

Business owners with a lot of surplus cash flow often want to put it away in a qualified plan and defer taxes. The problem is that they might feel restricted by the contribution limits. However, there is a way to set up a qualified plan and potentially contribute millions of dollars. To learn more about this strategy, join Centura Wealth Advisory’s Sean Clark, Wealth Advisor, and Christopher Hyman, Director of Insurance Solutions, as they explain how to design such qualified plans, the types of businesses they are suited for, and any caveats to look out for. Sean and Chris discuss: The difference between defined contribution and defined benefit plans A brief overview of how contribution limits are determined How the plan works from setup to maintenance to termination (especially when a business is sold) How to defer more money than conventional retirement savings plans (e.g., 401k, SEP IRA, etc) The benefits of integrating life insurance into your qualified plan And more Connect with Sean Clark: sclark@centurawealth.com LinkedIn: Sean Clark Connect with Christopher Hyman: chyman@centurawealth.com LinkedIn: Christopher Hyman Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

Life insurance is often only viewed as a way to get a death benefit. But if you look beyond its conventional definition, you’ll see how life insurance has several use cases in tax planning, wealth transfer, and as an alternative investment! Join Centura Wealth Advisory’s Sean Clark, Wealth Advisor, and Christopher Hyman, Director of Insurance Solutions, for an enlightening conversation about the role of life insurance in comprehensive wealth management — especially for high-net-worth individuals. Sean and Chris discuss: How life insurance provides the much-needed liquidity to pay off estate taxes Life insurance as an alternative asset class Four tax advantages of life insurance How business owners can effectively utilize insurance in risk management, exit planning, and other scenarios A rapid-fire Q&A session about insurance And more Connect with Sean Clark: sclark@centurawealth.com LinkedIn: Sean Clark Connect with Christopher Hyman: chyman@centurawealth.com LinkedIn: Christopher Hyman Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory

In 2017, the Tax Cuts and Jobs Act (TCJA) introduced some significant changes to tax laws, both on the income and estate side. Now, as we approach its expiration on December 31st, 2025, it is important to plan for the looming tax changes! Join our senior wealth advisors Matt Griffith, CFP®, and Roby Kotcamp, CFP®, as they unpack the potential tax changes and their implications for high-net-worth individuals and business owners. Matt and Roby discuss: How income tax rates and deductions might be affected Expected changes in the lifetime exemption for estate and gift tax Strategies that may help you take maximum advantage of the prevailing tax laws Why you should act now instead of waiting until 2025 And more Resources:  Investing Amidst Uncertainty: A 2024 Election Discussion with Michael Townsend (Ep. 87) Connect with Matt Griffith: mgriffith@centurawealth.com  LinkedIn: Matt Griffith Connect with Roby Kotcamp: rkotcamp@centurawealth.com  LinkedIn: Roby Kotcamp Connect with Centura Wealth Advisory: (858) 771-9500 Centura Wealth Advisory LinkedIn: Centura Wealth Advisory