ACap ReCap: Financial and Tax Tips
ACap Advisors & Accountants is a boutique fee-only Wealth Management and full-service Accounting firm based in Los Angeles. We handle everything from taxes to investments to risk management and estate planning, providing comprehensive, unbiased financial advice in one location. In our ACap ReCap episodes, we discuss the latest financial news, answer the frequently received financial questions, and share financial tips with you. If you have questions or suggestions email us hello@acapam.com Find more details at https://www.acapam.com/ #financialadvisor #fiduciaryfinancialadvisor #finance #financial #money #wealthmanagement #assetmanagement #investment #tax #taxplanning
Episodes
128 episodes
How Social Security Is Taxed, Avoid the 85% Tax Trap
How Social Security Is Taxed, Avoid the 85% Tax Trap and Lower Your Retirement TaxesMost retirees don’t realize up to 85% of their Social Security can become taxable, and one small mistake can cost you thousands.In this video, Ara...
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7:13
How to Open Your First Investment Account and Buy Your First Investment, Step by Step
How to Open Your First Investment Account and Buy Your First Investment, Step by Step GuideIf you have never invested before, this episode walks you through the exact process to open your first brokerage account, deposit money, and buy y...
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7:26
Medicare Surcharges Explained: How IRMAA Can Shrink Your Social Security in 2026
Your Social Security check can drop by hundreds per month without warning. The reason is IRMAA, the Medicare surcharge that catches many retirees off guard.In this episode, we break down exactly how IRMAA works in 2026, how the two year ...
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8:09
RSUs Explained: Vesting, Taxes, and Smart Strategies for High-Income Professionals
Restricted Stock Units (RSUs) can be a powerful wealth-building tool — or a tax headache if mismanaged.In this episode, we break down exactly how RSUs work, when you can sell them, how they’re taxed, and the key decisions high-income pro...
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7:19
Roth IRA Income Limits Explained: AGI vs. Modified AGI and Why It Matters
Why can’t I contribute to a Roth IRA if I make too much?The answer almost always comes down to one thing — Modified Adjusted Gross Income (MAGI).In this episode, we break down the difference between Adjusted Gro...
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0:25
Backdoor Roth IRA: How High Earners Can Still Contribute
Think your income is too high to contribute to a Roth IRA?You’re not alone — and you’re not out of options.In this episode, Ara breaks down how the Backdoor Roth IRA works and why many high earners can still contribute even...
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3:02
5 Strategies to Lower Your Tax Bill
Most people overpay in taxes—not because they earn too much, but because they don’t plan.In this episode, CPA and wealth manager Ara breaks down five practical tax strategies that can help reduce your tax bill by using the tax code the w...
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3:35
1099 Mistakes That Cost Business Owners Thousands (And How to Avoid Them)
Every January, 1099 forms trip up business owners—and the mistakes aren’t harmless. File late, use the wrong form, or skip filing altogether, and the IRS penalties can get brutal fast.In this episode, we break down exactly what a 1099 is...
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5:55
From Brokerage to Big Rigs: Tristan Bordalo on Building Sellable Businesses, an Entrepreneur's Guide
In this episode, Ara sits down with serial entrepreneur Tristan Bordallo to break down what entrepreneurship actually looks like after the Instagram quotes fade away. Tristan shares his 22-year journey—from getting laid off, to bootstrapping a ...
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48:01
7 Smart Money Moves to Make Before December 31 to Cut Taxes and Boost Your Investment Strategy
Before the year is over, there are still real, actionable steps you can take to reduce your tax bill and tighten up your investment plan—but once January hits, those opportunities disappear for good.In this episode, we break down 7 cr...
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8:02
How a 7-Figure Content Creator Can Save Over $100K in Taxes
In this case-study episode, Ara and Matt pull back the curtain on a real client scenario (names changed) featuring Jasmine, a 7-figure online content creator, and her husband George, a W-2 employee at a large company. Together, they walk step-b...
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28:33
Making IT Your Secret Weapon: Cybersecurity and AI for Small Business
Are you worried your business could be taken down by a hacker, ransomware attack, or one wrong click from an employee? In this episode, Ara sits down with Bonesy Ijeoma, founder and CEO of AllSafe IT and AllSafeIntelligence (and fellow EO Los A...
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30:12
5 Roth IRA Myths That Are Costing Investors Money
Too many investors make the same avoidable mistakes with Roth IRAs — and it often comes from believing outdated or flat-out wrong information. In this episode, we break down the five biggest misconceptions people have about Roth IRAs and explai...
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4:18
How Banks Really Approve (or Deny) SBA & CRE Loans
Every successful business and real estate investor needs the right financing—but how do banks actually decide who gets approved? Ara sits down with Mike Henry, Chief Credit Officer at Mission Valley Bank, to reveal what lenders really look for,...
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42:52
Why QQQ Keeps Calling You: What This Proxy Vote Actually Means
If you own shares of QQQ and your phone won’t stop ringing, there’s a reason—and it’s not spam. In this episode, Ara breaks down the proxy vote that’s triggering the nonstop calls, texts, and emails. He cuts through the noise and explains why Q...
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3:14
Demystifying SBA Loans with Michael Carlson
If SBA financing still feels like a black box, this conversation will flip on the lights. Senior Vice President and National Sales Manager for SBA Lending at Mission Valley Bank, Michael Carlson (UCLA Anderson MBA, CFP® professional), jo...
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41:38
Inside the Family Office: How the Wealthy Grow, Protect, and Pass on Generational Wealth
Ever wonder how wealthy families preserve and grow their wealth — while paying minimal taxes and passing fortunes to future generations tax-free? In this episode, Ara breaks down the world of family offices, one of the fastest-growing se...
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15:04
S Corp, C Corp, or LLC? The One Decision That Can Make or Break Your Business
Confused about LLC vs S corp vs C corp? In this episode, Ara (wealth manager & CPA) breaks down how entity choice impacts taxes, liability, investors, and growth.Make a smart decision now to avoid painful (and expensive) fixes later....
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25:27
Don’t Put All Your Money in a Roth IRA: The Hidden Risks You Need to Know
The Roth IRA is often called the “holy grail” of retirement accounts — tax-free growth, tax-free withdrawals, and no required minimum distributions. But what if putting all your money in Roth accounts could actually hurt your long-term...
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7:26
Roth IRA vs. Traditional IRA: Which One Saves You More in Taxes?
Thinking about how to invest for retirement — but not sure whether to choose a Roth IRA or a Traditional IRA? In this episode, Ara breaks down the key differences between these two powerful retirement accounts and explains how to decide which o...
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12:45
Case Study Series, Ep 1: Mark & Joanna — Building Wealth and Buying Their Forever Home
Case Study: Mark & Joanna — Building Wealth, Buying a Home, and Planning for the FutureIn this episode, we walk through a real-life (names changed) client case to show how we approach comprehensive financial planning ...
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31:42
What is a Roth IRA and why YOU should have one!
What is a Roth IRA (and why so many people love it)?Short answer: it’s an individual retirement account you open on your own, fund with after-tax dollars, and—here’s the magic—your investments can grow tax-free and <...
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13:54
How Much Do You REALLY Need to Retire?
How much do you really need to retire?Spoiler: there’s no “magic number.” In this episode we unpack why your retirement target depends on your lifestyle, spending, longevity, inflation, investment mix, taxes, and how you turn savi...
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29:45
9 Benefits of an S Corp
The right business structure could save you thousands in taxes.If you’re wondering which entity to start — LLC, Sole Prop, or S Corp — this episode is for you. We break down 9 powerful benefits of an S Corporation, including how it can r...
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Season 7
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Episode 1
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15:41
What are Pass-Through Entities?
In this ACap ReCap episode we explain what are pass-through entities, their types, the advantages and disadvantages of pass-through entities, and whether or not this is the right business structure for you.Subscribe to our YouTube channe...
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Season 6
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Episode 24
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9:44