『Money On Tap』のカバーアート

Money On Tap

Money On Tap

著者： Ben Brayshaw & Seth Krussman
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Money on Tap is your resource for building a smarter, more confident financial future. Hosted by the partners at Brayshaw Financial Group, this weekly podcast breaks down complex financial topics into practical, real-world strategies you can actually use. From retirement income planning and tax-efficient investing to market insights, insurance strategies, and wealth-building principles, each episode is designed to help you make better financial decisions with clarity and confidence. At Money on Tap, we believe financial planning is not just about growing your money—it’s about how you use it. That’s why we focus on what we call three-dimensional investing:
  • Insurance
  • Brokerage
  • Fee-based planning
Together, these form a comprehensive approach to managing risk, creating income, and building long-term financial security. Whether you’re approaching retirement, already retired, or simply looking to take greater control of your finances, this podcast delivers insights to help you:
  • Reduce taxes
  • Create sustainable retirement income
  • Navigate market uncertainty
  • Protect what you’ve built
  • Make informed financial decisions
Because at the end of the day, it’s not just about how much you have—it’s about how well your plan works.Money On Tap 個人ファイナンス 経済学
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  • The Science of Retirement Income, Creating Income Alpha (Encore)

    The Science of Retirement Income, Creating Income Alpha (Encore)
    2026/05/22
    Two retirees with the same balance can take wildly different incomes home — it's not about returns, it's about taxes.This week on Money On Tap, Ben Brayshaw and Dan Michelon unpack The Science of Retirement Income — How to Create Income Alpha: the practice of beating the market not by picking better stocks, but by keeping more of what you already have through tax-aware planning.What you'll learn:
    • What "Income Alpha" actually means — and why it's worth 15–30% more retirement income, year after year
    • How Social Security gets taxed at 0%, 50%, or 85% — and how to control which one applies to you
    • The Roth IRA conversion ladder: filling the 22% bracket today to avoid the 30%+ bracket later
    • The lesser-known after-tax account strategy — converting future ordinary-income tax into capital-gains tax
    • Qualified Charitable Distributions (QCDs) — the single highest-leverage move for charitable retirees
    • Donor-Advised Funds and Charitable Trusts — stacking giving with Roth conversion years
    • The hidden IRMAA Medicare tax — and the income thresholds that can cost you $1,000–$3,000 a year
    • The Widow Tax Trap — the most damaging tax in retirement and how to plan around it
    • Why the year of a spouse's passing is the last big planning window — and what to do with it
    • What 1–2 years of tax returns will tell a good planner that your investment statement never will
    Plus Money In The News:
    • Weight-loss drug developers line up to tap a $150B market (Eli Lilly, Novo Nordisk, the pill-vs-shot race)
    • Nike stock tumbles 13% to an 11-year low on China weakness
    • Average tax refund up 11% from a year ago — IRS data and what it means for inflation
    Free resource: Email us with "Charitable Giving Booklet" in the subject and we'll send our charitable giving guide.Read the companion blog: brayshawfinancial.com/blog
    Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
    Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
    Phone: 855-226-8551
    Email: info@yourmoneyontap.com
    Office: 116 South River Road, Bedford, NH 03110
    Web: brayshawfinancial.com

    • What is "Income Alpha" in retirement planning? Income Alpha is the additional retirement income an investor keeps by structuring withdrawals tax-efficiently — rather than by earning higher market returns. It comes from coordinating Roth conversions, RMD timing, Social Security taxation, charitable strategies like QCDs, IRMAA Medicare thresholds, and after-tax account placement. Done well, income alpha typically generates 15 to 30 percent more usable retirement income per year, without changing the underlying investments.
    続きを読む 一部表示
    56 分
  • The Railroads of Quantum Computing: The Next Trillion-Dollar Bet + Milestone Show

    The Railroads of Quantum Computing: The Next Trillion-Dollar Bet + Milestone Show
    2026/05/18
    🎉 Welcome to the 400th episode of Money On Tap. Nine years. Four hundred conversations. To celebrate, the first four callers to 855-226-8551 each get their pick from four pieces of MOT swag. Phone calls only — email won't count.This week, Ben Brayshaw and Dan Michelon close The Railroads of… trilogy with the one that may make all the rest run faster: quantum computing.What you'll learn:
    • What a qubit actually is — and why "both 0 and 1 at once" changes everything
    • The three investable layers: cloud platforms · hardware (semis & cryogenics) · software
    • The four pure-play names: Rigetti (RGTI), IonQ (IONQ), D-Wave (QBTS), Quantum Computing Inc. (QUBT) — and what their +250% to +5,700% trailing moves really mean
    • The four big-tech quantum plays: IBM, Alphabet, Microsoft, Amazon
    • The four ETFs to research: QTUM, ARKQ, BOTZ, ROBO
    • The barbell approach for taking speculative exposure without betting the farm
    • Why the honest timeline says mid-2030s — and the energy problem nobody's talking about
    • How space, robotics, and quantum intersect — and why the railroads series mattered
    Plus Money In The News:
    • Spotify and Peloton team up on a global fitness content hub
    • The AI splurge is costing big tech its workforce — Oracle plans to cut 40% of its workforce
    • Have software stocks reached the extreme washout yet? (And what the "SaaS-pocalypse" means for the next 12 months)
    Read the companion blog: brayshawfinancial.com/blog
    Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
    Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
    Phone: 855-226-8551
    Email: info@yourmoneyontap.com
    Office: 116 South River Road, Bedford, NH 03110
    Web: brayshawfinancial.com

    • What is "Income Alpha" in retirement planning? Income Alpha is the additional retirement income an investor keeps by structuring withdrawals tax-efficiently — rather than by earning higher market returns. It comes from coordinating Roth conversions, RMD timing, Social Security taxation, charitable strategies like QCDs, IRMAA Medicare thresholds, and after-tax account placement. Done well, income alpha typically generates 15 to 30 percent more usable retirement income per year, without changing the underlying investments.
    続きを読む 一部表示
    56 分
  • The Railroads of Robotics: Investing in Physical AI, Cobots, and the Reshoring Boom

    The Railroads of Robotics: Investing in Physical AI, Cobots, and the Reshoring Boom
    2026/05/12
    4.3 million industrial robots are already deployed globally. Robot costs have dropped 50% in 30 years. Payback periods are now 1 to 3 years. The reshoring of American manufacturing isn't a forecast — it's a buy order.This week on Money On Tap, Ben Brayshaw and Dan Michelon continue the series with The Railroads of Robotics — the picks-and-shovels playbook for physical AI and the next great industrial build-out.What you'll learn:
    • Why three forces — reshoring, labor shortage, and 1–3 year robot payback — make automation inevitable
    • The four investable layers: robots · AI systems · software · hardware
    • A walk-through of the public names: Rockwell Automation, Teradyne, Emerson Electric, NVIDIA, Tesla (Optimus), AeroVironment, Applied Materials, Autodesk
    • How cobots are reshaping skilled-trades work — and what the NVIDIA CEO's "three-day work week" prediction really means
    • Five robotics-themed ETFs walked through: ROBO, BOTZ, IBOT, ARKQ, ROBT
    • What to tell the kids and grandkids about which jobs will actually exist in 10 years
    • The geopolitical risk that could shelve this entire build-out overnight
    Plus Money In The News:
    • United Airlines hikes fares up to 20% — CEO admits passing 100% of jet-fuel cost to consumers
    • Musk vs. Altman: a $134B suit heading to court while SpaceX ($1.25T) and OpenAI ($850B) IPOs loom
    • Adobe announces a $25B buyback (25% of market cap) while Big Tech keeps laying off — and the buyback nuance most investors miss
    Read the companion blog: brayshawfinancial.com/blog
    Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
    Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
    Phone: 855-226-8551
    Email: info@yourmoneyontap.com
    Office: 116 South River Road, Bedford, NH 03110
    Web: brayshawfinancial.com

    • What is "Income Alpha" in retirement planning? Income Alpha is the additional retirement income an investor keeps by structuring withdrawals tax-efficiently — rather than by earning higher market returns. It comes from coordinating Roth conversions, RMD timing, Social Security taxation, charitable strategies like QCDs, IRMAA Medicare thresholds, and after-tax account placement. Done well, income alpha typically generates 15 to 30 percent more usable retirement income per year, without changing the underlying investments.
    続きを読む 一部表示
    56 分
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