FIN-LYT by EWA®

Financial Literacy. In Motion.Newton’s First Law says an object in motion stays in motion, but the hardest part is the first push.FIN-LYT, a play on financial literacy with catalyst built in, is designed to be the push. The spark that breaks inertia, the perspective that reframes tough decisions, and the education that turns “I should” into “I did.”EWA is a wealth management firm serving physicians, retirees, business owners, and leaders. We deliver holistic planning and guidance to help clients balance competing goals and protect their most valuable resource: TIME.

FIN-LYT by EWA® is a business podcast hosted by EWA, with 168 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

EWA hosts FIN-LYT by EWA®, a business show with 168 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  FIN-LYT by EWA®

  Integrating Estate Planning Into Your Financial Plan

  Aug 25, 202620 min

  In this episode of EWA's FIN-LYT Podcast, Matt Blocki sits down with Kari Owens, EWA's newest team member and an estate planning attorney with over a decade of experience handling trust and estate work alongside the tax returns that support those plans. Kari joins the show to introduce herself to EWA's clients and listeners as the firm officially integrates estate planning into the EWA experience. Kari walks through a common misconception she sees: the belief that everything automatically passes to a spouse when someone dies. In reality, dying without a will (intestate) can mean assets that aren't jointly owned get split in ways families never intended, sometimes leading to outcomes no one saw coming. She also breaks down why beneficiary designations on retirement accounts and other assets can override what a will says entirely, and why keeping those forms updated matters just as much as the will itself. The conversation also covers how often an estate plan should actually be reviewed. Kari shares a simple rule of thumb tied to major life events like marriage, divorce, or a new child, alongside a general timeframe for people whose lives haven't changed much. Matt ties this back to why EWA integrated estate planning in the first place: so reviews happen naturally as part of a client's regular wealth management, financial planning, and tax work, rather than being a separate, easy-to-forget task. If you've ever assumed your estate plan is "handled" because you signed some documents years ago, this episode is worth a watch. Connect with EWA: https://ewa-llc.com/ https://www.instagram.com/ewa.llc/ https://www.linkedin.com/company/equilibrium-wealth-advisors/ https://www.facebook.com/EquilibriumWealthAdvisors/ View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977 View EWA Estate Planning Disclosures: https://ewa-llc.com/estate-planning-disclosures/

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  FIN-LYT by EWA®

  Selling Your Business to Private Equity: What You Need to Know

  Aug 18, 202638 min

  In this episode of EWA's FIN-LYT Podcast, Jamison Smith sits down with investment banking experts Tom Krahe and Andy Bianco to break down what actually happens when a business owner sells to a private equity group. Most owners walk into a potential private equity sale with the same fear: that the buyer is looking for a loophole to exploit them once the deal is signed. Tom and Andy push back on that narrative directly, drawing on years of closing deals across industries to explain why reputation and repeat business keep most private equity groups honest, and why the real risks sit somewhere else entirely, in deal structure, employment expectations, and the fine print most sellers never think to ask about. The conversation moves through the practical mechanics owners actually need to understand before they get an LOI in hand. That includes the difference between asset sales and stock sales, how F reorganizations and 338(h)(10) elections let a stock sale get tax treatment similar to an asset sale, why real estate usually stays out of the deal, and how rollover equity can signal whether a buyer truly believes in the business going forward. Tom and Andy also walk through why a quality of earnings analysis can shrink a seller's expected EBITDA overnight, using a real example where 10 million dollars in reported earnings was recast down to 7 million once addbacks like PPP loan forgiveness were removed. Beyond the numbers, Jamison, Tom, and Andy talk candidly about what life actually looks like after the sale closes, how to vet a private equity buyer the same way that buyer is vetting the seller, and why understanding the post closing expectations matters just as much as the purchase price on day one. If you found this episode helpful, please like and subscribe so you never miss an episode of the FIN-LYT Podcast. Connect with EWA: https://ewa-llc.com/ https://www.instagram.com/ewa.llc/ https://www.linkedin.com/company/equilibrium-wealth-advisors/ https://www.facebook.com/EquilibriumWealthAdvisors/ View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977

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  FIN-LYT by EWA®

  What Business Owners Need to Know Before Selling Their Company

  Aug 11, 202650 min

  In this episode of EWA's FIN-LYT Podcast, host Matt Blocki sits down with investment bankers Tom Krahe and Andy Bianco for a deep dive into one of the biggest financial decisions a business owner could ever make: when and why to bring in an investment banker to sell a company. Matt opens with a real story about a friend who sold his eight-figure business without professional representation, structured with a 50% earn-out tied to continued employment, and is now watching that relationship unravel just months before the earn-out period ends. It's the kind of situation Tom and Andy say they see far too often. Tom and Andy break down what an investment banker actually does: creating a competitive market where one doesn't naturally exist for privately held businesses, and de-risking the terms of a deal, not just maximizing the headline valuation. They walk through the difference between a generalist and an industry-specific banker, why "knowing someone for 40 years" is never a substitute for a structured negotiation, and why qualitative goals, like protecting employees or preserving a family legacy, often matter as much to sellers as the dollar amount. The conversation then moves into the mechanics of a real sell-side process: how expectations get set upfront, how a business gets valued using both historical and forecasted numbers, and why a controlled auction protects confidentiality while still creating competitive tension among buyers. Tom and Andy share what typically derails deals late in the process, including a story about a closing that nearly fell apart days before signing, and explain why cash at close matters far more than a high valuation propped up by risky earn-out terms. Whether you're a business owner five years out from a sale or just starting to think about your exit, this episode lays out what a well-run process actually looks like, and what questions to ask before you ever pick an investment banker. Like and subscribe for more episodes breaking down the real financial decisions behind building, running, and exiting a business. Connect with EWA: https://ewa-llc.com/ https://www.instagram.com/ewa.llc/ https://www.linkedin.com/company/equilibrium-wealth-advisors/ https://www.facebook.com/EquilibriumWealthAdvisors/ View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977

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  FIN-LYT by EWA®

  Walking Away From an Eight-Figure Business: Identity, Enough, and Letting Go

  Aug 4, 202655 min

  In this episode of EWA's FIN-LYT Podcast, Matt Blocki sits down with Bryce Conway, founder of 10X Travel, for his second appearance on the show. This time, the conversation isn't about travel hacking, it's about the biggest transition of Bryce's career: walking away from the company he spent over a decade building. Bryce shares how a college side hustle to save money on a spring break trip turned into a business with 16 full-time employees and $17 million in annual revenue. He talks through the moment COVID nearly ended it all, when a signed offer to sell the company fell through and affiliate revenue dropped 92% almost overnight, and how being transparent with his audience is what got the company through it. The second half of the conversation covers what happens after you build something. Bryce spent 14 months working through the decision to retire, wrestling with questions about identity, purpose, and what life looks like once the thing that used to define you is gone. He and Matt talk openly about the fears that come with stepping back, financially, emotionally, and within a household, and why so many high achievers wait until health or circumstance forces the decision for them. Whether or not retirement is on your radar, this episode offers a candid look at what it takes to build something meaningful and, just as importantly, to recognize when and how to let it go. Connect with EWA: https://ewa-llc.com/ https://www.instagram.com/ewa.llc/ https://www.linkedin.com/company/equilibrium-wealth-advisors/ https://www.facebook.com/EquilibriumWealthAdvisors/ View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977

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  FIN-LYT by EWA®

  Tax Playbook for the Year You Sell Your Business

  Jul 28, 202633 min

  In this episode of EWA's FIN-LYT Podcast, Jamison Smith sits down with tax strategist Nick Rosen to walk through what actually happens to your tax bill when you sell a business you've spent years building. If a sale is somewhere on your horizon, whether it's next year or a decade out, this conversation lays out the decisions that can make a real difference in what you keep. Jamison and Nick start with the tension every seller faces: buyers generally prefer an asset sale for the depreciation benefits, while sellers often come out ahead with a stock sale taxed at capital gains rates. They break down how goodwill allocation factors into that negotiation, why entity structure (S corp, C corp, or LLC) changes the math entirely, and how private equity buyers typically require a reorganization before a deal can close. From there, the discussion moves into strategies that only work with lead time: qualifying for the Section 1202 QSBS exclusion, changing state residency before a sale to reduce state income tax exposure, and using irrevocable trusts to move business value out of a taxable estate years in advance. Nick also explains installment sales, equity rollovers, and when an earnout might make sense. The episode wraps with what to do in the actual year of sale, including donor advised funds, charitable trusts, family foundations, and tax loss harvesting, plus a candid reminder that the tax planning is only half the equation. Jamison and Nick close with a discussion on preparing for life after the sale itself. Like and subscribe for more conversations on tax strategy, business planning, and building long term wealth. Connect with EWA: https://ewa-llc.com/ https://www.instagram.com/ewa.llc/ https://www.linkedin.com/company/equilibrium-wealth-advisors/ https://www.facebook.com/EquilibriumWealthAdvisors/ View EWA Disclosures and Firm ADV: https://adviserinfo.sec.gov/firm/summary/308977

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