Live Life Liberated
97 episodes - English - Latest episode: 20 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
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 →
44. How To Optimize Retirement Plan Distributions (In Light of Proposed Tax Changes) — Part Two
December 15, 2021 12:00 - 28 minutes - 52 MBThe Build Back Better Act has recently been passed by the U.S. House of Representatives. While it is yet to become a law, there are steps you can take today to minimize the legislative proposal’s impact on your wealth transfer, in case it is passed. In this episode, Derek Myron and Kyle Malmstrom dive into … Read More Read More
43. Articulate Your Vision With Lois Weinblatt
December 01, 2021 12:00 - 29 minutes - 40.1 MBEntrepreneurs, are you struggling to articulate your vision in a way that resonates with every member of your company? In this episode, Jonathan Freeman speaks with Lois Weinblatt, international vision coach, facilitator, and speaker at True North Visionaries. They break down the visioning process and help you find clarity, so that you can make better … Read More Read More
42. How To Optimize Retirement Plan Distributions (In Light of Proposed Tax Changes)
November 17, 2021 20:29 - 29 minutes - 41.1 MBOver the years, you may have accumulated a large sum of wealth in your retirement accounts. But withdrawing that money tax-efficiently can feel like a challenge, especially under proposed tax changes currently being discussed. In this episode, Derek Myron and Kyle Malmstrom discuss how the expected estate tax changes may potentially affect your retirement plan … Read More Read More
41. How To Become a Master Business Leader With Mitch Simon
November 03, 2021 11:00 - 25 minutes - 35 MBWhether you want to recruit the best talent, motivate your current team, or boost business performance, success boils down to one key element –– leadership. In this episode, Jonathan Freeman speaks with Mitch Simon, the founder of Simon Leadership Alliance, and a master business and leadership coach. Jonathan and Mitch reveal their strategies to enhance … Read More Read More
40. How To Minimize Estate Taxes Using ILITs With Kristina Hess
October 20, 2021 15:53 - 32 minutes - 44.8 MBEstate tax exemptions are expected to decrease in the near future. However, ILITs (irrevocable life insurance trusts) can help you reduce your estate taxes so that you can maximize your wealth transfer to future generations. In this episode, Kyle Malmstrom speaks with Kristina Hess, estate planning attorney at KR Hess Law, PC. Join Kyle and … Read More Read More
39. Get To Know Our New Senior Wealth Advisor Roby Kotcamp
October 06, 2021 11:00 - 27 minutes - 38.3 MBWe love to build deep connections with our clients! So, this episode is dedicated to helping you get to know our team a little better. In this episode, Jonathan Freeman, Chief Operating Officer, introduces you to Centura Wealth Advisory’s new Senior Wealth Advisor Roby Kotcamp, CFP®, PMP®. Roby shares his professional and personal background, his … Read More Read More
38. AB-150: What Is It and How Does It Impact Your Taxes? With Ken Van Damme
September 22, 2021 11:00 - 34 minutes - 79.3 MBOn July 16th, 2021, California governor Gavin Newsom passed Assembly Bill 150. One of the key components of this bill is the Small Business Relief Act, which has the potential to reduce your taxable income. In this episode, Kyle Malmstrom speaks with Ken Van Damme, tax partner at Ernst and Young, about what the AB-150 … Read More Read More
37. The Financial Planning Guide for High-Net-Worth Families
September 08, 2021 11:00 - 30 minutes - 41.9 MBMost high-net-worth families work with various professionals, such as CPAs, estate planning attorneys, and valuation experts. How can you bring them all together and create a holistic financial plan? Derek Myron and Kyle Malmstrom answer the question in this episode. Join them as they explain strategies to create a forward-looking financial plan, minimize income and … Read More Read More
36. Leveraging Real Estate as Part of Charitable Planning With Wendy Beerbower
August 25, 2021 11:00 - 28 minutes - 39 MBHave you ever thought about donating real estate? Not only can it minimize your capital gains taxes, but also help you amplify the impact of your charitable contributions in the community. In this episode, Dana Levin, client Relationship Manager at Centura’s Philanthropic Strategies, speaks with Wendy Beerbower, Senior Vice President at Eisenhower Health Foundation. They … Read More Read More
35. Structured Notes Simplified With Robert Sowinski
August 11, 2021 11:00 - 42 minutes - 58.1 MBThe interest rates for fixed income investments have reached historic lows. However, structured notes, which are somewhat unknown to many investors, can help you maintain returns through this environment. In this episode, Kyle Malmstrom speaks with Robert Sowinski, managing director, structured products at Advisors Asset Management. Robert simplifies the complexities of structured notes and discusses … Read More Read More
34. Minimizing Taxes Through Cost Segregation With Isaac Downing
July 28, 2021 11:00 - 19 minutes - 26.2 MBAre you aware of how cost segregation (Cost Seg) can minimize your taxes? It helps you reduce your tax liability by accelerating depreciation on real estate assets. In this episode, Sean Clark, Director of Planning, interviews Isaac Downing, Regional Director at Capstan Tax Strategies, and an expert in the cost segregation landscape. Isaac explains how … Read More Read More
33. Creative Gifting Strategies To Optimize Your Estate Plan With Charles Levun
June 30, 2021 11:00 - 36 minutes - 50.3 MBA lot of people are minimizing their estate taxes through current estate tax exemptions. But what if you aren’t ready to transfer your wealth, and want to retain access to your assets? There are multiple gifting strategies to help you do that. Join Kyle Malmstrom and Charles Levun, partner at Levun, Goodman & Cohen LLP, … Read More Read More
32. Key Things You Need To Know About Corporate Valuations With Brent Glova
June 16, 2021 11:00 - 31 minutes - 43.4 MBFor a lot of advisors, attorneys, CPAs, and other professionals, 2020 was one of their busiest years. Now, with hot market conditions and new rules and regulations, 2021 is shaping up to be even busier! In this episode, Derek Myron is joined by Brent Glova, managing director at Vantage Point Advisors, Inc. They explore the … Read More Read More
31. How Life Insurance Solutions Can be Used as an Alternative to Fixed Income Investments With Christopher Hyman
June 02, 2021 11:00 - 34 minutes - 46.9 MBThe interest rate yield on traditional fixed income investments, such as bonds, are at an all-time low. Consequently, there is decreased upside potential and a greater downside risk. In this episode, David Cariani, CIO, is joined by Christopher Hyman, senior case designer at Centura Wealth Advisory, to discuss how life insurance can be a powerful … Read More Read More
Episode 30 – How Peer Advisory Groups Help You Learn From Fellow Business Leaders –– With Joe Phillips of The BEST CEO Group
May 19, 2021 11:00 - 31 minutes - 72.1 MBWhen business leaders from different industries come together, it can lead to a diverse set of perspectives that challenge you to think differently, and help you make better decisions. In this episode, Derek Myron is joined by Joe Phillips, founder and chairman of The BEST CEO Group. With nearly 23 years of experience in running … Read More Read More
Episode 29 – The Potential Impact of New Tax Proposals on Capital Gains Tax and Estate Planning
May 05, 2021 11:00 - 31 minutes - 72.5 MBWith the For The 99.5% Act proposal, estate tax and capital gains tax are expected to rise drastically starting in January 2022. Several tax benefits might also be eliminated. What can you do now to minimize the impact of this act on your estate planning? Derek Myron and Kyle Malmstrom answer this question in this … Read More Read More
Episode 28 – Finding the Right Insurance P&C Coverage for Your Business –– With Pamela Holden of Alliant Insurance Services
April 21, 2021 11:00 - 24 minutes - 56.8 MBInsurance is a necessary risk management tool, but many business owners struggle with finding the right coverage, carrier, and riders, to meet their unique business. But when a claim happens, who is on your side to navigate the complex and often misunderstood claims process? In this episode, Jonathan Freeman is joined by Pamela Holden, Vice … Read More Read More
Episode 27 – ESOPs as a Powerful Exit Planning Tool –– With Roy Farmer of Business Transition Advisors — Part 1
March 24, 2021 14:47 - 45 minutes - 62.2 MBSelling your business to private equity firms might get you the highest sale value. But, it might not be ideal for your employees. In part one of this two-part series, join Kyle Malmstrom and Roy Farmer, Managing Director at Business Transition Advisors, as they talk about a highly effective tool for exit planning –– Employee … Read More Read More
Episode 26 – Looking at the M&A Landscape Through a Legal Lens –– With Paul Johnson of Procopio
March 10, 2021 15:41 - 29 minutes - 40.6 MBMost business owners don’t realize the importance of compliance until they take their business to the market and are bombarded with questions from prospective buyers. In part three of our M&A series, Derek Myron joins Paul Johnson, partner at Procopio, to discuss the key legal aspects of every M&A deal. Join them as they address … Read More Read More
Episode 25 – The M&A World: How To Get the Best Value for Your Business –– With Eliot Peters of RA Capital
February 24, 2021 12:00 - 30 minutes - 26.8 MBThe sale of a business is probably the most important transaction for every business owner and their family. It’s a life-changing event. In part two of this M&A series, Derek Myron talks to Eliot Peters, managing director at RA Capital Advisors, to explore the growing opportunities in the M&A space. Considering that interest rates are … Read More Read More
Episode 24 – What Is In Store Under the Biden Administration Tax Regime and How You Can Prepare
February 10, 2021 12:00 - 31 minutes - 42.6 MBNow that we’re through the elections, and the Senate runoff, it’s time to look at the expected tax and estate law changes coming down the line under the new administration. In this episode, Derek Myron and Kyle Malmstrom discuss some of the major tax changes expected to be announced in the coming years. They dive … Read More Read More
Episode 23 – Why You Must Consider Selling Your Business Through the ING Trust Strategy – Part One — With Guest Mark Morris
January 27, 2021 12:00 - 29 minutes - 40.7 MBBusiness owners in California: Do you plan to sell your business in the near future? If so, we have a way for you that can help you minimize taxes – the ING trust. But hurry up, because this option might not be available next year to California residents! In this episode, Kyle Malmstrom is joined … Read More Read More
Episode 22 – How Small to Medium Businesses can Leverage Fractional CFO/Accounting Services to Help Their Business Grow – with Guest Jennifer Barnes, CEO of Optima Office
January 13, 2021 11:00 - 30 minutes - 41.3 MBOptima Office provides their clients with fractional CFOs, accounting services and HR services to help drive profits and reduce risks with their tailored business solutions. In this episode, Jonathan Freeman speaks with Jennifer Barns, CEO and Founder of Optima Office to discuss her inspiring story of how she started her business, the growth she’s experienced … Read More Read More
Episode 21 – Boost Your Business Retirement Plan Strategy – with Guest Tom Burns
December 30, 2020 11:00 - 38 minutes - 88.6 MBWhether it’s for employee retention, tax planning, or a combination of the two, creating a retirement plan for yourself and your employees is a cornerstone of planning as a business owner. In this episode, Kyle Malmstrom speaks with Tom Burns, president at Premier Plan Consultants, to discuss the business retirement planning process. Tom explains the … Read More Read More
Episode 20 – Marketing During a Pandemic: What Changed in 2020 and How do Business Owners Need to Adapt – with Sharon Spooler of Chief Outsiders
December 16, 2020 12:00 - 28 minutes - 38.8 MBWhen it comes to marketing, businesses need to constantly evolve to keep up with new trends and techniques that will help attract prospects to their product or service. With the global shutdowns and necessary transformation to doing business in a virtual environment, some business owners have been able to adapt and in some cases thrive. … Read More Read More
Episode 19 – Potential Tax Implications from 2020 National and California State Elections
December 02, 2020 11:00 - 44 minutes - 42.3 MBTax planning is as important as ever, and based on the recent elections it may have an impact on your personal and business income tax situation. In this episode, Kyle Malmstrom and guest Ken Van Damme, tax partner at Ernst and Young, give listeners guidance for some tax solutions to put into action. Kyle and … Read More Read More
Episode 18 – The World Of Alternative Investments
November 04, 2020 11:00 - 35 minutes - 81.9 MBAlternative investments offer higher potential returns, and several benefits you won’t find from traditional investments. Today, Kyle Malmstrom and David Cariani (Co-CIOs) introduce listeners to the world of alternative investments. Kyle and David share what types of alternative investments there are, how they’re structured, their potential risks and benefits and more. In this episode, you … Read More Read More
Episode 17 – Your Guide to Buy-Sell Agreements in 30 Minutes –– With John Parise and Michael Parise
October 19, 2020 21:28 - 35 minutes - 80.1 MBToo many new business owners overlook the importance of having a buy-sell agreement. If a business partner becomes disabled, passes away, or departs the business, they leave the future of their business on shaky ground and open to costly disputes with the remaining partners. Today, Jonathan Freeman is joined by John Parise and Michael Parise … Read More Read More
Episode 16 – How The Single-Family Rental Industry Has Become Reliable For Investors – With Guest Ted Conrads
September 30, 2020 10:00 - 45 minutes - 53.7 MBThe single-family rental industry was falling behind the multi-family rental market, however, things continue to change and investors are seeing it as a valuable asset class. In this episode, David Cariani is joined by Ted Conrads, co-founder and co-president of Colchis Capital. Ted shares background information on Colchis Capital, and explains how the single-family rental … Read More Read More
Episode 15 – Estate Tax Implications If Joe Biden Wins The Presidential Election
September 16, 2020 10:00 - 28 minutes - 65.5 MBThe Presidential Election is coming up in less than 3 months. Are you prepared for the potential estate tax implications if the Democratic Party wins the election? Today, Derek Myron and Kyle Malmstrom take an extensive look at the estate tax implications if Joe Biden wins the Presidential Election in November. They discuss why you … Read More Read More
Episode 14 – A Dive into Private Placement Life Insurance (PPLI) — With Guest Rick Calderon
September 02, 2020 13:00 - 29 minutes - 67.6 MBPrivate placement life insurance (PPLI) is a tax efficient, low-cost vehicle to provide Accredited Investors and Qualified Purchasers a means to transfer wealth. PPLI leverages institutionally-priced wholesale insurance to create a tax efficient wrapper that gives investors the power of compounded growth tax free, as well as using a death benefit to transfer wealth to … Read More Read More
Episode 13 – The Impact Of COVID-19 On The Multi-Family Real Estate Industry – With Mark Gleiberman
August 19, 2020 13:00 - 35 minutes - 80.9 MBMulti-family real estate can provide a tax-efficient wealth-building model for yourself and your family. But has COVID-19 impacted the market, and if so, how? Today, Derek Myron speaks with Mark Gleiberman, CEO of MG Properties about multi-family real estate, the tax implications of multi-family real estate, and the impacts of COVID on the multi-family real … Read More Read More
Episode 12 – Manage Business Risk with Potential for Financial Upside – With Guest Mark Sims of Captive Alternatives
August 05, 2020 13:00 - 46 minutes - 106 MBBusinesses of all sizes face risk in the best (and worst) of economic times, and it’s important as a business owner to make sure that you are covered. In this episode, Jonathan Freeman is joined by Mark Sims from Captive Alternatives to discuss alternative insurance options for risk management and how business owners and entrepreneurs … Read More Read More
Episode 11 – WINGs, NINGs, DINGs. And Other ThINGs – With Mark Morris of Levitzacks
July 22, 2020 13:00 - 31 minutes - 72.7 MBWINGs, NINGs, DINGs and ThINGs — yes, these are all real income tax strategies, but what do all these acronyms really mean, and how can this strategy help save you money in taxes? In this episode of Live Life Liberated, Kyle Malmstrom is joined by Levitzacks’ tax strategist Mark Morris to discuss the ING strategy—who … Read More Read More
Episode 10 – Supersized Qualified Retirement Plans and Rethinking Your Distribution Strategy of a Qualified Plan Since the Passage of the SECURE Act – With Guest Mike Zelch
July 08, 2020 14:35 - 27 minutes - 62.7 MBFor many high-income earners, the problem they face when it comes to saving for retirement is an inability to save enough money pre-tax to meet their retirement goals. Rather than utilizing an “off-the-shelf” solution, Centura shares how options exist to supersize their deductions in a Defined Benefits Plan. In this episode, Derek Myron speaks with … Read More Read More
Episode 9 – CARES Act Considerations for Business Owners and Ultra High-Net-Worth Individuals — With Ken Van Damme of Ernst & Young
May 29, 2020 20:28 - 36 minutes - 83 MBThe Coronavirus Aid, Relief, and Economic Security Act, or the CARES Act, is an economic law designed to address the financial impact of the COVID-19 pandemic. But how does this act provide support for entrepreneurs and business owners? Today, Kyle Malmstrom joins Ernst & Young partner Ken Van Damme to provide an update on the … Read More Read More
Episode 8 – Powerful Strategies for True Asset Protection –– With Siddharth Chhokar
May 08, 2020 19:48 - 36 minutes - 83.4 MBWith 20 million lawsuits filed every year, asset protection has proven to be a major concern for wealthy individuals. In this episode, Derek Myron speaks with Siddharth Chhokar of Chhokar Law Group about how ultra-wealthy individuals can achieve true asset protection. They discuss powerful planning options for people who live in states that don’t have … Read More Read More
Episode 7 — SBA PPP Loans: What “perplexed” business owners need to know! – with guest Dan Yates, CEO of Endeavor Bank
May 01, 2020 16:30 - 29 minutes - 68.6 MBThe Treasury Department recently issued new FAQs regarding SBA PPP loans. It addresses many key questions and issues, however, some business owners remain in the dark and are looking for clarity. In part three of the PPP loans series, Derek Myron speaks with Dan Yates, CEO at Endeavour Bank, to offer an insight from the … Read More Read More
Episode 6 — How can small business owners optimize SBA PPP loans? – with Curt Welker, CPA and Tax Partner of PKF San Diego
April 24, 2020 19:35 - 29 minutes - 68.3 MBCongress has recently approved an additional $310 Billion in SBA PPP loans. This aims at supporting small businesses in running their operations and paying their workers. However, it is crucial that business owners gain an in-depth understanding of this program in order to optimize SBA PPP loans. At Centura Wealth Advisory, we help small business … Read More Read More
SPECIAL UPDATE: COVID-19, PART 2
April 21, 2020 17:09 - 28 minutes - 66.1 MBIn this follow-up COVID-19 episode, we expand on actions business owners should be taking in response to the COVID-19 economic shut down, and follow up on some previously shared information. As the circumstances are constantly changing, we want our clients and the community to be well informed. Dan Yates, CEO of Endeavor Bank, returns for … Continue reading SPECIAL UPDATE: COVID-19, PART 2 →
Episode 5 – SPECIAL UPDATE: COVID-19, PART 2
April 21, 2020 17:09 - 28 minutes - 66.1 MBIn this follow-up COVID-19 episode, we expand on actions business owners should be taking in response to the COVID-19 economic shut down, and follow up on some previously shared information. As the circumstances are constantly changing, we want our clients and the community to be well informed. Dan Yates, CEO of Endeavor Bank, returns for … Read More Read More
Episode 4 — Harnessing the General Power of Appointment for Tax Planning — With David Gebhardt, Esq.
April 15, 2020 09:00 - 36 minutes - 83.1 MBCentura Wealth Advisory believes in sourcing and vetting new strategies that complement traditional money management, allowing the firm to bring only the best value-added solutions to clients. To do so, they often bring in amazing people who share their vision can help clients achieve the best results. Today, Kyle Malmstrom returns with special guest David … Read More Read More
SPECIAL UPDATE: COVID-19
April 10, 2020 14:25 - 30 minutes - 68.8 MBIn this special episode, we share updates on how we are responding to the COVID-19 situation, how we’re assisting our clients, and what actions we’re advising investors to take during this time of uncertainty. Derek Myron of Centura Wealth Advisory speaks with Dan Yates CEO of Endeavor Bank. Dan shares updates on the ever-evolving processes … Read More Read More
Episode 3 — Amp Up Your Financial Planning with CLATs (Charitable Lead Annuity Trusts)
April 01, 2020 09:00 - 28 minutes - 37.5 MBWhile many are unfamiliar with Charitable Lead Annuity Trusts (CLATs), those who have heard of this financial tool typically see it as a means to fulfill their philanthropic or estate planning needs. But Centura Wealth Advisory sees CLATs as a tool that can offer so much more. Today, Derek Myron joins Centura’s director of planning … Read More Read More
Episode 2 — Meet Centura Wealth Advisory’s David Cariani, CFA, CFP®
March 18, 2020 09:00 - 20 minutes - 24 MBCentura Wealth Advisory believes in going above and beyond traditional money management to bring only the best value-added solutions to clients. To do so, they’ve brought on amazing team members who share their vision of what it means to have Liberated Wealth™. Today, you’ll meet one of those team members, Centura’s co-chief investment officer David … Read More Read More
Episode 1 — Introducing the Live Life Liberated Podcast
February 28, 2020 12:57 - 33 minutes - 30.7 MBCentura Wealth Advisory is pleased to introduce the Live Life Liberated Podcast! In this inaugural episode of the series, founding managing directors, Derek Myron and Kyle Malmstrom, introduce Centura Wealth Advisory and how they help clients liberate their wealth with planning, precision, and purpose. In this episode, you’ll learn: Who Centura Wealth Advisory serves (and … Read More Read More