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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.
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    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.
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    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.
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    56 分
  • The Railroads of Space: SpaceX, Rocket Lab, and How to Invest the New Space Economy

    The Railroads of Space: SpaceX, Rocket Lab, and How to Invest the New Space Economy
    2026/05/03
    Space just became an asset class. Q1 2026 alone saw $36 billion deployed — and the SpaceX IPO could be the first trillion-dollar offering in history.This week on Money On Tap, Ben Brayshaw and Dan Michelon walk through what they're calling the railroads of space — the picks-and-shovels companies quietly building the rails that everything else will ride on.What you'll learn:
    • Why the SpaceX IPO is the single biggest catalyst hanging over the entire sector
    • The three investable layers: access · infrastructure · application & data
    • A walk-through of the public names already in motion — RKLB, ASTS, IRDM, PL, RDW
    • Where robotics fits — and why Honeybee Robotics and Redwire matter more than people think
    • The four real risks: capital intensity, government dependence, boom-bust speculation, and SpaceX disruption
    • Why an actively managed space-themed ETF may be the most prudent way for retail investors to participate
    Plus Money In The News:
    • Active ETFs cross $1 trillion — and why the cost trade-off is worth it for many investors
    • Round Hill's DRAM ETF pulls $1B in 10 days, giving U.S. investors backdoor access to Samsung and SK Hynix
    • $4 gas drives consumer confidence to a record-low 47.6% — lower than 2008 — and inflation expectations climb toward 4.8%
    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.
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    56 分
  • Tax Filing Is History, Tax Planning Is Control: How to Stop Overpaying the IRS Every April

    Tax Filing Is History, Tax Planning Is Control: How to Stop Overpaying the IRS Every April
    2026/04/24
    Tax filing reports what already happened. Tax planning is what puts you back in control.If you just finished paying your 2025 taxes and you're wondering how the bill got that big, this week's Money On Tap is for you.Ben Brayshaw and Dan Michelon walk through the year-round tax strategies most investors — and most financial advisors — are quietly missing. From bracket management and income engineering to real estate depreciation, solo 401(k) contributions, charitable trusts, and the often-overlooked Augusta Rule, this is a working playbook for keeping more of what you earn.What you'll learn:
    • Why tax planning beats tax filing every year — and what most advisors skip
    • How to engineer your income to stay in a lower bracket without changing your lifestyle
    • The difference between one-off Roth conversions and a real 10-year Roth strategy
    • Real estate deductions, cost segregation, and the Augusta Rule explained
    • Solo 401(k) vs SEP IRA — and why business owners routinely leave $30K+ on the table
    • Charitable remainder trusts: the tax strategy almost nobody talks about
    • Why today's 37% top federal bracket is historically low — and what that means for your retirement plan
    Plus Money In The News:
    • Google's $10M commitment to train American manufacturing workers on AI
    • The cost to raise a child in the US now tops $300,000
    • South Hadley, MA rejects a 50% property tax hike by a 2-to-1 vote
    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
  • Market Myths That Cost You Money: The 10 Wall Street Lies Quietly Wrecking Your Returns

    Market Myths That Cost You Money: The 10 Wall Street Lies Quietly Wrecking Your Returns
    2026/04/18
    If you missed just the 10 best days in the market over the last 25 years, you would have cut your returns nearly in half. Miss the best 30 days, and you might as well have left the money in a money market. Miss the best 50 days, and you are actually losing money. That is the cost of a market myth. In this week's Money On Tap, Ben Brayshaw and Dan Michelon break down the most common — and most expensive — market myths that quietly erode investor wealth: "Sell in May and go away," "now is the wrong time to invest," "cash is safer than stocks," "investing is just legalized gambling," "more holdings means better diversification," "gold is a safe haven," "bonds are risk free," and more. With hard numbers, clear analogies, and three decades of planning experience between them, Ben and Dan sort fact from folklore — and lay out a disciplined, statistics-backed approach to growing and protecting your money. You will learn:Why missing the market's best 10 days can cut your long-term returns in halfWhy lump-sum investing beats dollar-cost averaging 67-75% of the timeHow a $100,000 in cash since 1992 compares to the same $100,000 in the S&P 500Why 2,900 holdings may actually be less diversified than 500The truth about gold, bonds, and "safe" investmentsHow a $50-per-month investor can still build real wealthPlus "Money In The News":NAHB home builder sentiment drops to a 7-month low amid material, labor, and oil pressuresTrump Accounts sign up 5 million kids — with community sponsorship changing the gameMarch CPI surges 0.9% as the Iran conflict reshapes the inflation outlookResources & LinksWebsite: https://www.brayshawfinancial.com/Money On Tap podcast hub: https://www.brayshawfinancial.com/money-on-tapFull Money On Tap episode library: https://www.brayshawfinancial.com/money-on-tap-podcast-contentRead the companion blog: https://www.brayshawfinancial.com/blogOur planning process: https://www.brayshawfinancial.com/our-processSchedule a free consultation: https://www.brayshawfinancial.com/contactRelated Episodes:Retirement distribution strategy: how to keep more of your income → https://www.brayshawfinancial.com/money-on-tapThe difference between accumulation and distribution → https://www.brayshawfinancial.com/money-on-tapTax-smart investing and why most investors overpay → https://www.brayshawfinancial.com/money-on-tapHow to vet a financial advisor (the questions that matter) → https://www.brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comWhat 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
  • Generation Roth: Why Tax-Free Retirement Strategies Matter Now

    Generation Roth: Why Tax-Free Retirement Strategies Matter Now
    2026/04/12
    Are today’s tax rates the lowest you’ll ever see in your lifetime?
    In this episode of Money on Tap, we introduce the concept of “Generation Roth”—a powerful shift in retirement planning focused on building tax-free income in a world where taxes are likely to rise.
    For decades, traditional retirement planning has relied on tax-deferred strategies like 401(k)s and IRAs. But with growing national debt, changing tax policy, and increasing retirement complexity, that approach may no longer be enough.
    In this episode, you’ll learn:
    • Why today’s tax environment may be historically low
    • How rising national debt could impact future tax rates
    • The truth about being in a “lower tax bracket” in retirement
    • What a Roth IRA is and why it matters now more than ever
    • How Roth strategies create tax-free income
    • Options for high-income earners who can’t contribute directly to a Roth
    • The role of Roth conversions and advanced planning strategies
    • The concept of “tax diversification” in retirement planning
    • How to think about retirement as an income system—not just a savings goal
    This episode is designed for anyone who wants to take greater control over their financial future and build a more tax-efficient retirement strategy.
    Because retirement isn’t just about how much you have—it’s about how much you keep.
    🎧 Listen now and learn how to position yourself for a more secure and flexible retirement.
    ---
    📅 Schedule a Retirement Strategy Session:
    https://app.greminders.com/t/9f3ce72e/initialconsulta
    📞 Call: 855-226-8551
    📧 Email: info@yourmoneyontap.com
    ---
    Money on Tap is your personal finance headquarters, bringing together insurance, brokerage, and fee-based planning to help you make smarter financial decisions.
    Subscribe for weekly insights on retirement planning, investing, and financial independence.


    • 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 Science of Retirement Income: How to Create Income Alpha and Reduce Taxes in Retirement

    The Science of Retirement Income: How to Create Income Alpha and Reduce Taxes in Retirement
    2026/04/04
    Are you unknowingly losing thousands of dollars in retirement taxes?
    In this episode of Money on Tap, we break down the science of retirement income and how to create “income alpha”—keeping more of what you’ve already earned.
    Many retirees focus on growing their portfolio, but the real opportunity lies in tax efficiency, withdrawal strategy, and income planning.
    In this episode, you’ll learn:
    • How retirement income is taxed (and why most people overpay)
    • The hidden impact of RMDs and Social Security taxation
    • What “income alpha” means and how to create it
    • Roth IRA strategies and tax-free income planning
    • The truth about the widow’s tax trap and how to prepare
    • How charitable strategies can reduce your tax burden
    • Why tax planning can increase retirement income by 20–30%
    Retirement is not about how much you have—it’s about how efficiently you use it.
    📞 Schedule a Retirement Strategy Session:
    https://app.greminders.com/t/9f3ce72e/initialconsulta
    📧 Contact us: info@yourmoneyontap.com
    📞 Call: 855-226-8551
    Subscribe for more insights on retirement planning, investing, and financial independence.


    • 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