Live Life Liberated
96 episodes - English - Latest episode: 13 days ago -Welcome to the Live Life Liberated Podcast. In this podcast, the team at Centura Wealth Advisory shares stories, smart techniques and insights for those individuals and families who have not yet been exposed to innovative tax planning strategies that help build and protect their wealth. We help our clients take their wealth from complex to elegant and from burdened to liberated. Join us as we explore strategies drawn from years of experience, research, and innovation, to solve your seen and unseen wealth management hurdles.
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Episodes
How to Lower Your Capital Gains Taxes with Adam Buchwalter (Ep. 94)
April 17, 2024 11:00 - 32 minutes - 30.2 MBSome 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 … Read More Read More
Our Proprietary Liberated Wealth® Process for Ultra-High-Net-Worth Clients (Ep. 93)
April 03, 2024 11:00 - 35 minutes - 32.8 MBAre 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, … Read More Read More
How Can High-Income Business Owners Supercharge Their Retirement Savings? (Ep. 92)
March 20, 2024 11:00 - 36 minutes - 33.5 MBBusiness 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 … Read More Read More
Effective Use Cases of Life Insurance for Wealth Transfer, Tax Planning, and More (Ep. 91)
February 14, 2024 12:00 - 41 minutes - 38.4 MBLife 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 … Read More Read More
Tax Countdown: Planning for the Expiration of the TCJA (Ep. 90)
January 10, 2024 12:00 - 35 minutes - 32.4 MBIn 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®, … Read More Read More
How to Plan for the Looming Estate Tax Issue (Ep. 89)
December 27, 2023 12:00 - 29 minutes - 27.1 MBThe once-generous estate and gift tax exemptions set by the Tax Cuts and Jobs Act (TCJA) are due to sunset on December 31, 2025. Is your estate plan ready for the challenge? In this episode, Kyle Malmstrom, Managing Director, and Christopher Hyman, Director of Insurance Solutions, refer to strategies to reduce the estate tax liability … Read More Read More
Unbundling Financial Services and Maximizing Value for High-Net-Worth Individuals (Ep. 88)
December 13, 2023 12:00 - 37 minutes - 33.9 MBAs the financial services industry moved to a fee-based model, many firms started to ‘bundle’ their services. For example, investment management may be bundled with financial planning. But are clients really getting maximum value from bundled services? In this episode, Derek Myron, CFP®, Managing Director, and Sean Clark, Director of Financial Planning, explore the benefits … Read More Read More
Investing Amidst Uncertainty: A 2024 Election Discussion with Michael Townsend (Ep. 87)
November 22, 2023 12:00 - 31 minutes - 29 MBAre you worried about the impact of the 2024 election on the markets and your investments? Especially when geopolitical tensions, the uncertainty of tax law changes, the ousting of the Speaker of the House, and the threat of a government shutdown are adding to the stress? In this episode, Matt Griffith, CFP®, Senior Wealth Advisor, … Read More Read More
Keys to Building an Amazing Corporate Culture and a Rockstar Team (Ep. 86)
November 08, 2023 12:00 - 31 minutes - 28.8 MBWith companies shifting to a hybrid work environment, it has become challenging to maintain a strong corporate culture, attract top talent, and build high-performing teams. In this episode, Derek Myron, CEO, and Jonathan Freeman, COO, share actionable ideas to build a thriving corporate culture. They tap into best practices that have helped Centura Wealth Advisory … Read More Read More
How Centura Creates Value for High-Net-Worth Individuals (Ep. 85)
October 25, 2023 11:00 - 26 minutes - 24.7 MBAs your wealth grows, your financial planning needs become significantly more complex. At Centura Wealth Advisory (Centura), we specialize in serving high-net-worth and ultra-high-net-worth individuals, helping them lighten the burdens of wealth! In this episode, Kyle Malmstrom and Sean Clark, MBA, talk about Centura’s Liberated Wealth® process, including an overview of our sophisticated wealth management … Read More Read More
Delivering Exponential Client Value via Joint Casework with Gregg Gottlieb (Ep. 84)
September 27, 2023 14:17 - 27 minutes - 25.1 MBAdvisors, are you seeking the secret to delivering unparalleled value to your high-net-worth clients? In a world where wealth advisory excellence is defined by innovation and collaboration, you might want to explore the power of joint casework. In this episode, Samantha Lawrence, CFP®, Associate Advisor, interviews Gregg Gottlieb, CFP®, co-founder of Regal Wealth Advisors, about … Read More Read More
ING Trusts: How to Minimize State Income Taxes (Ep. 83)
August 31, 2023 19:32 - 37 minutes - 34.7 MBThere is a wide disparity in tax rates between U.S. states. For example, the top tax rate in California is 13.3%, while South Dakota has 0% state tax on trusts! However, if you live in a high-income-tax state, you can still benefit from lower tax rates without moving physically. In this episode, Kyle Malmstrom, Managing … Read More Read More
The QPRT Strategy: How to Reduce Estate and Gift Taxes (Ep. 82)
August 16, 2023 16:14 - 27 minutes - 24.8 MBWhile passing on your wealth to future generations, you might want to make it as estate tax-efficient as possible. If your estate amount exceeds the estate tax exemption limit, a Qualified Personal Residence Trust (QPRT) might be for you. In this episode, Seth Meisler, CFA, CFP®, CPA/PFS, MBA, Senior Wealth Advisor, and Samantha Lawrence, CFP®, … Read More Read More
How to Achieve Tax Efficiency With Private Placement Life Insurance With Christopher Hyman (Ep. 81)
August 02, 2023 19:50 - 27 minutes - 25.2 MBHigh-net-worth and ultra-high-net-worth individuals are often focused on protecting and growing their wealth while minimizing taxes. However, not all of their assets generate “tax-efficient” income. This is where private placement life insurance (PPLI) can come into play. In this episode, Derek Myron interviews Christopher Hyman, Director of Insurance Solutions at Centura Wealth Advisory. They explain … Read More Read More
Centura Client Experience from the View of a Retired Business Owner (Ep. 80)
July 19, 2023 11:00 - 31 minutes - 57.3 MBAre you thinking about selling your business? Do you feel overwhelmed and unsure about the process? In this episode, Derek Myron interviews Donovan Weber, who recently sold his business to an international conglomerate. Donovan shares the planning process he went through at Centura Wealth Advisory (Centura) before and after selling his business, the things he … Read More Read More
Private Equity Investment Opportunities in India (2023 Edition) With Manu Rikhye (Ep. 79)
July 05, 2023 11:00 - 39 minutes - 72.6 MBWith its young population, strong tailwinds, and supportive political regime, India might be the next bright spot for investors. In this episode, Chris Osmond, Chief Investment Officer speaks with Manu Rikhye, partner at GrowX Venture Management and Merak Ventures, about the Indian investment landscape and how to navigate the risks. Join them to learn about … Read More Read More
Centura Client Experience: Exiting a Business (Ep. 78)
June 21, 2023 11:00 - 34 minutes - 63.4 MBThe sale of a business represents not only the culmination of years of hard work and dedication but also a unique opportunity to amass considerable wealth. With so much at stake, having a specialized wealth management team in your corner can make a significant difference! In this episode, Derek Myron speaks with Jimmy Page, who … Read More Read More
Preparing for Change: How to Adapt to Economic and Tax Legislation Shifts (Ep. 77)
June 07, 2023 11:00 - 44 minutes - 40.9 MBAre you a business owner or high-income executive concerned about recent changes in the economic, political, and tax environment? In this episode, Kyle Malmstrom and Matt Griffith, CFP®, cover a range of topics, including ways to prepare for a huge liquidity event, tax planning, investment considerations during high interest rates, and an overview of our … Read More Read More
Centura Client Experience from the View of a Retired Certified Public Accountant (Ep. 76)
May 24, 2023 11:00 - 43 minutes - 39.5 MBKrista Schmitt, a retired CPA, has spent nearly 30 years working for a Fortune-500 company in the area of accounting and financial information systems. Despite her financial background, she knew she wanted to lean on an expert and decided to work with Centura Wealth Advisory (Centura) and has been a client of Derek Myron, Managing … Read More Read More
Collaboration in Financial Services: How One Plus One Can Deliver Exponential Results with Tom Oliveira (Ep. 75)
May 10, 2023 11:00 - 40 minutes - 74.4 MBIf you’re a financial advisor, you know that the industry can be tough to navigate alone. The key to growth lies in collaboration with fellow professionals. Collaboration not only paves the way for accelerated growth, but it can also improve your client service! In this episode, Derek Myron speaks with Tom Oliveira, Wealth Advisor at … Read More Read More
Private Fiduciaries and Their Role in Estate Planning with David Stapleton (Ep. 74)
April 20, 2023 15:45 - 35 minutes - 32.4 MBPrivate fiduciaries can play a critical role in managing and protecting the assets of their clients. They also help ensure that their clients’ wishes are carried out after they are gone and their assets reach their desired beneficiaries. In this episode, Derek Myron speaks with David Stapleton, President of Stapleton Group, Inc., about private fiduciaries, … Read More Read More
Beyond Stocks and Bonds: Exploring Private Credit and Direct Lending With Philip Hasbrouck (Ep. 73)
April 05, 2023 20:44 - 40 minutes - 73.7 MBHigh-interest rates have caused both stocks and bonds to perform poorly in recent months. However, looking beyond stocks and bonds, private credit and direct lending have emerged as particularly attractive options for those seeking higher yields and lower volatility. In this episode, Chris Osmond speaks with Philip Hasbrouck, Senior Managing Director and Co-Head of Cliffwater’s … Read More Read More
How To Navigate International Tax Planning With Connor Southwell (Ep. 72)
March 22, 2023 11:00 - 40 minutes - 27.8 MBWhether you are a U.S. citizen with international sources of income or a foreign national conducting business in the U.S., it is important to understand how international taxation works so that you do not end up overpaying in taxes. In this episode, Kyle Malmstrom speaks with Connor Southwell, Director of Citrin Cooperman’s International Taxation Services … Read More Read More
Bringing Exponential Value to Clients With the Elite Advisor Collaboration Program (Ep. 71)
March 08, 2023 12:00 - 22 minutes - 40.3 MBWhen financial advisors collaborate with fellow professionals (EPAs, CPAs, other advisors, etc.), it helps them improve their client service and simultaneously accelerate their own growth. This is the rationale behind Centura Wealth Advisory’s Elite Advisor Collaboration Program (EACP), where radically transparency is the cornerstone. In this episode, Jonathan Freeman and Derek Myron explain what EACP … Read More Read More
Picking The Right Pass-Through Entity For Your Business With Chuck Levun, JD, CPA (Ep. 70)
February 22, 2023 12:00 - 41 minutes - 56.7 MBPass-through entities are complex, but it’s important to pick the one that’s best for your business needs from the get-go. In this episode, Kyle Malmstrom speaks with Chuck Levun, a partner at Levun, Goodman & Cohen, LLP, about pass-through entities today. They explain what pass-through entities are, talk about the pros and cons of S … Read More Read More
Centura Client Experience from the View of a Lifelong Entrepreneur and Business Owner (Ep. 69)
February 08, 2023 12:00 - 27 minutes - 50.1 MBAfter moving from China to the US in 1989 to pursue his Ph.D. in psychology at UCSD, Tony Chen transitioned from an academic in post-doctorate studies to business — becoming a lifelong entrepreneur and business owner. Fast forward to 2019, when Tony considered exiting his business and became a client of Matt Griffith, CFP®, Senior … Read More Read More
How To Cut Your Tax Bill by Navigating the Cap on SALT Deductions (Ep. 68)
January 18, 2023 12:00 - 31 minutes - 56.8 MBIn 2017, the state and local tax (SALT) deduction was capped. This severely impacted the taxes for many people, especially the high-income earners in high-income-tax states. In this episode, Roby Kotcamp and Derek Myron talk about the provisions that many states are offering, including California, to help taxpayers minimize the impact of the SALT deduction … Read More Read More
Section 1202: How Business Owners Can Save Millions of Dollars in Taxes (Ep. 67)
January 04, 2023 16:10 - 31 minutes - 56.8 MBSection 1202 of the IRS code can potentially save eligible business owners millions of dollars in taxes. However, it is an underutilized section as few business owners know how to successfully implement this strategy. In this episode, Roby Kotcamp and Kyle Malmstrom explain what Section 1202 entails, the primary eligibility criteria for QSBS (qualified small … Read More Read More
“Above-the-Line” Financial Planning: How to Move the Needle on Your Wealth Management Services (Ep. 66)
December 14, 2022 12:00 - 30 minutes - 55.9 MBAt Centura, we divide financial planning services into two categories: 1) Steps that make your plan just “good enough” and 2) Steps that actually move the needle and make a measurable difference in your wealth. In this episode, Derek Myron and Sean Clark unpack the four steps that fall “below-the-line” and three steps that fall … Read More Read More
Tax-Efficient Philanthropy With Charitable Remainder Trusts (Ep. 65)
November 30, 2022 12:00 - 38 minutes - 71.1 MBHistorically, many Americans have been quite charitably inclined. If you are one of them, your philanthropic efforts can be optimized with Charitable Remainder Trusts (CRTs) that help you minimize your taxes when donating to your favorite organizations. In this episode, Derek Myron and Kyle Malmstrom explain the benefits and risks of Charitable Remainder Trusts (CRTs) … Read More Read More
Centura Client Experience from Retired Executives Point of View (Ep. 64)
November 16, 2022 12:00 - 29 minutes - 54.5 MBChuck and Mary Ann Cox became clients of Derek Myron, Managing Director of Centura Wealth Advisory (Centura), in 2004. After 18 years of wealth management and financial planning, Derek continues to serve Chuck today (unfortunately, Mary Ann passed away in 2018). In this episode, Derek Myron interviews Chuck Cox, a retired executive, about his client … Read More Read More
Opportunities in Private Equity With Jeremy Held of Bow River Capital (Ep. 63)
November 02, 2022 11:00 - 33 minutes - 60.6 MBThe recent market and economic downturn, combined with high inflation and looming interest rates, are forcing investors to consider alternative asset classes. One such alternative asset class is private equity, which has become highly accessible to individual investors today. In this episode, Chris Osmond, CFA, CAIA®, CFP®, speaks with Jeremy Held, Managing Director at Bow … Read More Read More
What It’s Like To Sell a Business With Our Client Doug Pate (Ep. 62)
September 28, 2022 11:00 - 31 minutes - 58.2 MBSelling a business is a complex process. You need to tackle several types of taxes. You need to effectively invest the proceeds. Finally, you also need to overcome the emotions of letting go of your business. In this episode, Kyle Malmstrom interviews Doug Pate, a client of Centura Wealth Advisory (Centura) who recently sold his … Read More Read More
How To Earn Greater Returns in a Risky Environment (Ep. 61)
September 14, 2022 11:00 - 34 minutes - 63.6 MBGiven the current market gyrations, we are often asked by clients, “What are we doing to manage risk? And how does it impact our portfolios?” In this episode, Roby Kotcamp, Senior Wealth Advisor, and Chris Osmond, Chief Investment Officer, discuss Centura Wealth Advisory’s approach to risk management. They also explore strategies to achieve greater risk-adjusted … Read More Read More
Centura Client Experience from Retired Executives Point of View (Ep. 60)
August 31, 2022 11:00 - 34 minutes - 62.2 MBAubrey Serfling and Lori Long have worked with Centura Wealth Advisory (Centura) as clients for over eight years now. Despite being retired executives today, they continue to work on their charitable endeavors. In this episode, Derek Myron interviews Aubrey and Lori about their client experience at Centura. They share insights into their wealth management journey … Read More Read More
Effective Tax Deferral Strategies for Real Estate Investors With Mark Kenny (Ep. 59)
August 17, 2022 21:09 - 24 minutes - 44.8 MBReal estate investors often use a 1031 exchange to defer taxes. However, a direct 1031 exchange is not possible if you want to transfer your real estate investment into publicly traded REIT shares. In this episode, Sean Clark, Director of Financial Planning, and Mark Kenny, Advanced Planner, discuss alternative tax deferral strategies using UPREITs and … Read More Read More
Applications of Structured Notes in the Current Market Environment (Ep. 58)
August 03, 2022 10:00 - 39 minutes - 72.7 MBBoth equity and bond markets have experienced a significant downturn in recent months. Will they bounce back up? Or will they continue to plummet? No one knows. Amidst this uncertainty, structured notes can be a valuable addition to your portfolio. In this episode, Sean Clark, Director of Financial Planning, and David Cariani, Vice President, discuss … Read More Read More
The Client Experience at Centura Wealth Advisory With Our Client Marilyn Daniels (Ep. 57)
July 20, 2022 11:00 - 27 minutes - 51.3 MBAfter her father passed away in 1994, Marilyn Daniels was suddenly thrust into managing a large pool of assets and forced to make several key financial decisions. In 2004 she joined Centura Wealth Advisory (Centura) as a client. In this episode, Derek Myron interviews Marilyn about her client experience at Centura and how her financial … Read More Read More
Using Private Credit to Hedge Against Rising Interest Rates With Christopher Long (Ep. 56)
July 06, 2022 11:00 - 35 minutes - 65.7 MBAs the Federal Reserve continues on its path of quantitative tightening, inflation and rising interest rates are a concern for many investors. In this episode, Chris Osmond speaks with Christopher Long, Chairman, CEO, and Founder of Palmer Square Capital Management LLC. They talk about current opportunities in private credit and how it helps investors hedge … Read More Read More
The Client Experience at Centura Wealth Advisory With Our Client Tina Daniels (Ep. 55)
June 22, 2022 11:00 - 23 minutes - 32.2 MBWe started working with Tina Daniels’ family nearly 18 years ago for her grandmother’s estate. Then, we worked on her parents’ estate. As of today, we have been helping Tina manage her wealth for nearly 15 years. In this episode, Derek Myron interviews Tina, the Managing Director of Agency & Brand Measurement Analytics at Google. … Read More Read More
Multifamily Real Estate as a Hedge Against Inflation With Paul Kaseburg (Ep. 54)
June 08, 2022 10:30 - 34 minutes - 63.9 MBWith inflation reaching 40-year highs, investors are eager to find investments to hedge against the decreasing value of their money. In this episode, Chris Osmond speaks with Paul Kaseburg, Chief Investment Officer of MG Properties, about investment opportunities in the multifamily real estate market and how they help you cope with rising inflation rates. Paul … Read More Read More
Get To Know Our New Senior Wealth Advisor Seth Meisler (Ep. 53)
May 04, 2022 11:00 - 31 minutes - 57.5 MBRecently, we had a great addition to our team! In January 2022, Seth Meisler, CFA, CFP®, CPA/PFS, MBA, joined Centura Wealth Advisory as a Senior Wealth Advisor, bringing in 15 years of experience as a financial advisor and Chief Investment Officer. In this episode, Jonathan Freeman, Chief Operating Officer, interviews Seth about his personal and … Read More Read More
How To Make Smarter Planning and Investment Decisions in a Rising Interest Rate Environment (Ep. 52)
April 20, 2022 10:00 - 31 minutes - 57.9 MBInterest rates have been considerably lower than inflation for several months now. However, we have started experiencing a rise in interest rates. During this transition period, as interest and inflation rates adjust over time, how can you strive for better risk-adjusted returns? Sean Clark, Director of Financial Planning, and David Cariani, Vice President, answer this … Read More Read More
What It’s Like to Work With Centura Wealth Advisory With Our Client David Pann (Ep. 51)
April 06, 2022 11:00 - 37 minutes - 69 MBOne of the goals of this podcast is to help you understand what it’s like to work with Centura Wealth Advisory before you even become a client. And who better to talk about the client experience than one of our current clients? In this episode, Roby Kotcamp interviews our client David Pann, who has held … Read More Read More
The Current Commercial Real Estate Landscape in Southern California (Ep. 50)
March 23, 2022 11:00 - 25 minutes - 58.1 MBAre you looking for lucrative real estate opportunities in Southern California? If yes, then this episode is for you. In this episode, Derek Myron speaks with Eric Northbrook, Managing Director of Voit Real Estate Services’ San Diego and Carlsbad offices. Eric shares insights on the current commercial real estate landscape in Southern California, along with … Read More Read More
What Should You Do When Your Wealth Is Tied up in a Concentrated Stock Position? (Ep. 49)
March 09, 2022 12:00 - 41 minutes - 75.8 MBIf you’re the founder of a public company, a long-term employee with accumulated stock options, or an early investor in a highly successful company, it’s likely that you have a concentrated stock position. So, what should you do when a major portion of your wealth is tied up in a single stock? Sean Clark, Director … Read More Read More
Private Equity Investment Opportunities in India (Ep. 48)
February 23, 2022 12:00 - 27 minutes - 49.6 MBDo you want to diversify your portfolio by investing outside of the U.S. markets? If yes, then it is time to take a look at private equity investment opportunities in one of the biggest emerging markets — India. In this episode, Derek Myron is joined by Manu Rikhye, partner at GrowX Venture Management. They talk … Read More Read More
Cryptocurrency and Blockchain: A Revolution in Financial Services with Matt Hougan, Part 2 (Ep. 47)
February 02, 2022 12:00 - 29 minutes - 53.4 MBOnce you understand cryptocurrency and its different applications, the next big question is: How can you start investing in it? In part two of this two-part miniseries, Kyle Malmstrom is back with Matt Hougan, Chief Investment Officer at Bitwise Asset Management, the world’s largest crypto index fund manager. They walk you through the different platforms … Read More Read More
Cryptocurrency and Blockchain: A Revolution in Financial Services with Matt Hougan, Part 1 (Ep. 46)
January 19, 2022 12:00 - 27 minutes - 49.9 MBThe cryptocurrency industry has grown tremendously in recent years, gaining interest from investors all over the world. Yet, if you have no idea what cryptocurrency is and how blockchain technology works, you’re not alone! In part one of this two-part miniseries, Kyle Malmstrom speaks with Matt Hougan, Chief Investment Officer at Bitwise Asset Management, the … Read More Read More
45. Financial Plan Failure? Why Centura’s Approach Helps Avoid a Plan Catastrophe with Sean Clark
December 29, 2021 12:00 - 26 minutes - 35.8 MBWhat is Financial Plan Failure? Most people understand why maintenance for your health, car, home is critical to avoid a major catastrophe. We service our vehicles, go to the dentist, get an annual checkup, exercise and watch what we eat; shouldn’t we maintain our financial wellbeing as well? But, how does one do that? What … Continue reading 45. Financial Plan Failure? Why Centura’s Approach Helps Avoid a Plan Catastrophe with Sean Clark →