『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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Hi, and welcome to "Money on Tap", your personal finance headquarters where we bring out the professionals, experience, and some fun in what we call 3 dimensional investing; utilizing insurance, brokerage, and fee-based planning. We believe all investments have merit, all investments have relevance and all investments have their time and place, depending on your goals and appetite for risk.

On a weekly basis "Money on Tap" airs live in New England and is rebroadcast multiple times, as well as available on podcast. Our goal is to educate and debate the current relevant financial issues facing today's investors. As planners with Brayshaw Financial Group, LLC, we have over a century of experience among our planners, and find that many people simply cannot engage in healthy and constructive financial planning relationships due to the magnitude of the industry as a whole. As we educate and debate current topics and relate them to everyday concerns, we will help empower you to feel more confident and more aware as an investor.

Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.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.comMoney On Tap 個人ファイナンス 経済学
エピソード
  • Retirement Rescue: The Money Mistakes of Every Decade

    Retirement Rescue: The Money Mistakes of Every Decade
    2026/07/24
    Whatever you've done, there's a very good chance you can recover. That's the message of this week's show — and then Ben and Dan get specific, decade by decade, about the mistakes that quietly sink retirements and the moves that rescue them.In this week's Money On Tap, Ben Brayshaw and Dan Michelon walk through the money mistakes of every stage of life. The 20s and 30s: waiting to invest, lifestyle inflation, and treating insurance as a nuisance instead of what it really is — protection of your ability to retire. The 40s — the squeeze years: turning off the 401(k) match to pay the bills (walking away from free money), getting too comfortable with debt, and skipping the tax planning that builds tax-free assets for later. The 50s — the catch-up years: catch-up contributions, the HSA "triple threat," the backdoor Roth, and the fear-driven mistake of going too conservative too soon. And in retirement itself: the light-switch move to cash, target-date funds past their date, scattered old 401(k)s, chasing a "number" instead of an income, and the biggest one of all — no plan for a health change.What you'll learn:
    • Why your 20s and 30s are the most powerful investing decade you'll ever get — and what lifestyle inflation really costs
    • Insurance reframed: insuring well-being, not events — and why long-term care planning protects the healthy spouse
    • The 401(k) match rule for the squeeze years: never walk away from free money
    • When to shift from investment planning to retirement planning — and why the goal is an income number, not a total number
    • The catch-up toolkit for your 50s: 401(k) and IRA catch-ups, the HSA triple threat, and the backdoor Roth
    • Why "too conservative too soon" quietly loses money backwards — and how segmentation puts risk and security in one strategy
    • The bucket strategy in action: a real case of a 60%-bond portfolio, a 4.5% withdrawal rate, and a first-home gift — rescued
    • Foundational expenses: the income planning step most people skip before retiring
    • The health-change plan: estate documents, powers of attorney, and why waiting can mean it's too late to sign
    Plus Money In The News:
    • Alphabet set for a blockbuster quarter as AI bets collide with spending fears — why this AI buildout isn't the dot-com era
    • Phased tariffs on generic drugs: 90% of U.S. prescriptions are generics, and most aren't made here
    • Fidelity's new number: retirees may need nearly $186,000 for healthcare — up 7.5% in a year
    Want the Retirement Rescue white paper? Email us at info@yourmoneyontap.com and we'll send it over.Read the companion blog: https://www.brayshawfinancial.com/blog
    Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
    Browse the full Money On Tap library: https://www.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
    Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Figures cited are as of the air date, drawn from sources believed reliable, and subject to change. Past performance is not a guarantee of future results.

    • Is it too late to fix my retirement at 50?
      No — the 50s are the catch-up years by design. Catch-up provisions let you contribute above the standard limits to 401(k)s and IRAs, the HSA offers triple tax advantages for future healthcare costs, and a backdoor Roth can build a tax-free bucket even if your income is too high for direct contributions. Pair those with a segmented "bucket" strategy — instead of retreating to CDs and cash — and most late starts can still be rescued. The first step is knowing your income need, not chasing a number.
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    56 分
  • Beyond the Index, Winners, Losers, & What's Next

    Beyond the Index, Winners, Losers, & What's Next
    2026/07/18
    The S&P 500 is up about 10.2% this year. That average is hiding one of the most lopsided markets in a decade: energy up 28%, communication services negative, and the Magnificent Seven — the stocks that carried the market for three years — collectively underwater.In this week's Money On Tap, Ben Brayshaw and Dan Michelon go beyond the index, sector by sector. They walk the 2026 scoreboard — energy +28.1%, technology +26.8%, industrials +16%, with a 30-point gap between the top and bottom sectors — and unpack the year's most important story: the broadening of the market, with 46.3% of S&P companies now beating the index itself, up from 30.5% last year. Then the mechanics most investors never see: why seven stocks absorb a third of every dollar in a standard S&P fund, why the SPY and QQQ share 8–9 of their top 10 holdings, and why your "diversified" ETFs may be the same bundle of stocks in different wrappers. They close with the Fed's looming rate decision — hike odds jumped from 26% to 73% in one month — and the five durable themes they're watching for the second half.What you'll learn:
    • The 2026 sector scoreboard: all 11 sectors ranked, from energy's +28.1% to communication services' −3.1%
    • The broadening of the index: why 46.3% of S&P companies are beating the index — a decade-plus first
    • Why the Mag Seven flipped from engine to anchor (Microsoft down 20%+), and what the index looks like without them
    • The ETF overlap trap: cap weighting, 35–55% in the top 10, and wrappers around the same stocks
    • What a Fed rate hike would do to sector leadership — winners and losers under both scenarios
    • Buffett's warning: "a church with a casino attached," and why down doesn't mean cheap
    • The dials for outperforming: sector weighting, security selection, valuation discipline, income, cash, and tax management
    • Taking gains on purpose: the sequence-of-returns lesson in 2026's −4.3% Q1 and +15.2% Q2
    • Five second-half themes: electrification, defense, nuclear renaissance, the aging population, and the infrastructure rebuild
    Plus Money In The News:
    • 73% odds of a Fed rate hike by September — up from 26% just a month earlier — and the two culprits behind it
    • Warren Buffett: it's tough to find value "when everybody is preferring gambling"
    • Blockbuster stock sales — SpaceX's record $75B IPO, Alphabet's $85B raise, SK Hynix ADRs — and whether $500B of new equity can overwhelm the bull market
    Read the companion blog: https://www.brayshawfinancial.com/blog
    Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
    Browse the full Money On Tap library: https://www.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
    Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Index and sector performance figures are as of the air date and subject to change. Past performance is not a guarantee of future results.

    • Is it too late to fix my retirement at 50?
      No — the 50s are the catch-up years by design. Catch-up provisions let you contribute above the standard limits to 401(k)s and IRAs, the HSA offers triple tax advantages for future healthcare costs, and a backdoor Roth can build a tax-free bucket even if your income is too high for direct contributions. Pair those with a segmented "bucket" strategy — instead of retreating to CDs and cash — and most late starts can still be rescued. The first step is knowing your income need, not chasing a number.
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    56 分
  • Math, Myths & The Reality of Retirement: Why Income Beats the Magic Number

    Math, Myths & The Reality of Retirement: Why Income Beats the Magic Number
    2026/07/09
    A new study says the average retired couple needs $1.16 million to retire comfortably. Scary headline — until you do the math. Because retirement was never about reaching a number. It's about the paycheck that number can produce.In this week's Money On Tap, Ben Brayshaw and Dan Michelon take the "magic number" apart piece by piece. They trace where $1.16 million actually comes from — $84,000 in average spending, $37,700 in Social Security, and a 4% withdrawal covering the gap — then show what the headline can't see: sequence of returns risk, the tax code, health events, and the market's habit of dropping 25–30% when you can least afford it. The centerpiece is a tale of three couples: Couple A with $1.8 million and no guaranteed income beyond Social Security, Couple B with $950,000 and a teacher's pension, and Couple C with $900,000 who built their own pension with an annuity — and ended up more secure than the couple with twice the money.What you'll learn:
    • Where the $1.16 million figure really comes from — and why the study converts it to income immediately
    • Why the race-to-a-number mindset is programmed into us, and why it fails in retirement
    • The tax reality: 12% vs. 22% brackets, Social Security taxation, RMDs at 73, Medicare's hidden 3–5% "tax," and climbing capital gains rates
    • The bucket strategy: cash for years 0–3, buffered strategies and dividends for 3–7, growth for 7+
    • Why 1% of inefficiency on a 4% drawdown is really 25% of your income
    • Couple A vs. B vs. C: how guaranteed income beats a bigger portfolio
    • The timing trap: why buying the annuity after the crash locks in the loss
    • Rewriting the 4% rule with 5–7% joint lifetime annuity payouts
    Plus Money In The News:
    • SpaceX goes public: Wall Street's sky-high price targets, the trillion-dollar valuation, and why investors stay cautious
    • Trump floats an Australian-style retirement system with 12% employer contributions
    • The IRA saver's match arriving in 2027: who qualifies, and why the income limits are so tight
    Read the companion blog: https://www.brayshawfinancial.com/blog
    Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
    Browse the full Money On Tap library: https://www.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
    Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.

    • Is it too late to fix my retirement at 50?
      No — the 50s are the catch-up years by design. Catch-up provisions let you contribute above the standard limits to 401(k)s and IRAs, the HSA offers triple tax advantages for future healthcare costs, and a backdoor Roth can build a tax-free bucket even if your income is too high for direct contributions. Pair those with a segmented "bucket" strategy — instead of retreating to CDs and cash — and most late starts can still be rescued. The first step is knowing your income need, not chasing a number.
    続きを読む 一部表示
    56 分
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