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
119 episodes
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Too many investors make the same avoidable mistakes with Roth IRAs — and it often comes from believing outdated or flat-out wrong information.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
NEW $6000 Senior Tax Deduction Explained & Your Questions Answered
Are you 65 or older? The new 2025 tax bill (OBBBA) introduces a $6,000 bonus deduction — up to $12,000 for married couples, that could help lower your taxable income and even reduce taxes on your Social Security benefits.In this video, ...
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Season 6
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Episode 23
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3:50
No Tax on Tips Explained: Your Common Questions Answered
The “No Tax on Tips” provision in the new federal spending bill creates a special deduction for tipped workers, lowering what they owe in federal income tax starting in 2025. But tips are still subject to state and local income taxes as well as...
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Season 6
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Episode 22
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8:21
No Tax On Overtime — What Does It Really Mean For You?
In this episode, Ara Oghoorian, CFP®, provides an important update on the "No Tax on Overtime" provision included in the One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025. Since the IRS has now released an official Fact Sheet ...
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Season 6
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Episode 21
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4:20
Unused 529 Plan - What to do with it?
In this episode, Ara Oghoorian, CFP® explains what to do when you have leftover money sitting in a 529 college savings plan and how to actually use it wisely.College is expensive, and 529 plans are a great way to save while getting some...
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Season 6
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Episode 20
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10:38
Differences between UTMA, UGMA and 529 Plans
UTMA, UGMA and 529 plans are all great options for parents who want to save up for their child's future. But let's compare them to see which one is better for you.✅ Subscribe to our YouTube channel for more financial news and tips...
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Season 6
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Episode 19
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10:38
Index Funds vs ETFs vs Mutual Funds: Understanding the Real Differences
Confused by all the fund options out there? In this episode, we break down the core differences between Index Funds, Mutual Funds, and ETFs, so you can decide what fits your financial goals. Learn how each type works, what sets them apart, the ...
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Season 6
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Episode 18
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10:22
Trump’s Big Beautiful Bill Passed: Here’s How It Affects Your Money
President Trump’s One Big Beautiful Bill has officially passed, and it comes with sweeping changes that could directly impact your taxes, healthcare, and government benefits.The bill makes the 2017 tax cuts permanent, introduces new ...
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Season 6
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Episode 17
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26:33
How Are Treasury Bills (T-Bills) Taxed?
In this episode, we explore how Treasury Bills (T-Bills) are taxed, how to buy and sell them, what happens when they mature, and how to calculate their tax-equivalent yield. We also compare T-Bills to other fixed-income options like CDs to help...
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Season 6
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Episode 16
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14:45
California Wildfire Grant Program 2025: Eligibility, Application, and Tips
If your home was destroyed or severely damaged in the recent California disasters, you may be eligible for a $20,000 grant through the Cal Assistance Mortgage Fund. In this video, I walk you through the program details, eligibility requirements...
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Season 6
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Episode 15
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5:53