If you’ve been looking for a financial planning strategy geared towards replacing an out-of-date insurance policy or annuity without negatively impacting the amount you pay in taxes, then this is the episode for you! So, without further ado, we’d like to introduce all our loyal listeners to the concept called the 1035 exchange. Most advisors will tell you that even though it’s one of the most overlooked strategies, it can also be one of the most advantageous. In this episode we break down everything from what a 1035 exchange is to ways that you and your team can take actionable next steps that could help provide you with a fruitful financial future.

What we’ll cover:

✅ 1035 exchanges explained.

✅ Rules & regulations.

✅ Best practices.

✅ Common mistakes.

We at The Wealth Cafe encourage you to speak with your financial team as soon as possible, so that you can see if this is a fit for your long-term goals and isn’t going to negatively impact your current strategies.

☕️For more tips and advice, make sure to subscribe to the show so you don't miss an episode!

🔍INSTAGRAM: / / https://www.instagram.com/tanisfingroup/

LINKEDIN: / / https://www.linkedin.com/in/caroline-tanis/

YOUTUBE: / / https://www.youtube.com/channel/UCHxRZmUZwZVHD4ihCu2iK-w

BLOG: / / https://tanisfingroup.com/blog/

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🔗CONNECT

Website: https://tanisfingroup.com/

Email: caroline@tanisfingroup.com

What does it take to pitch ‪RyanSerhant‬ Serhant with a monogrammed iPad — and actually land the deal?

In this episode of The Wealth Café, I sit down with Stephanie Bray — a third-generation realtor, native Phoenician, and Arizona luxury real estate agent with SERHANT — to talk about bold vision, building generational wealth through real estate, and why daring to dream big actually gets results.
If you're a high-net-worth woman looking to build wealth through luxury real estate, or simply someone who needs a reminder that audacity pays off — this episode is for you.

🎯 In This Episode:
✅ Stephanie's journey from humble beginnings to SERHANT Arizona
✅ The Ryan Serhant pitch story — yes, the monogrammed iPad moment is real
✅ How overcoming adversity built her resilience and her brand
✅ Why leaving a lasting legacy matters — and how to start now
✅ What's next for Stephanie and SERHANT in the Arizona market in 2026

💼 Work With Stephanie Bray | Arizona Luxury Real Estate Agent
🔗 https://serhant.com/agents/stephanie-...
📱 Instagram: @stephanie.bray.az
👔 LinkedIn: /stephaniebrayaz
📘 Facebook: @stephanie.bray.az

🔗 Connect With SERHANT
🌐 Website: https://serhant.com
📱 Instagram: @serhant | TikTok: @serhant
👔 LinkedIn & Facebook: /serhant

🎙️ About The Wealth Café
The Wealth Café is a podcast and YouTube show hosted by Caroline Tanis, MBA, CDFA®, founder of Tanis Financial Group. We have real, unfiltered conversations about money, wealth-building, and real estate investing — designed specifically for high-achieving women and their families.
New episodes drop weekly. Hit subscribe so you never miss one.

📲 Follow Caroline & The Wealth Café:
🌐 Website: https://tanisfingroup.com
🎙️ Apple Podcasts: https://podcasts.apple.com/us/podcast...
📝 Blog: https://tanisfingroup.com/blog
📱 Instagram: @tanisfingroup
👔 LinkedIn: /caroline-tanis
📧 Email: caroline@tanisfingroup.com

In our experience, we’ve noticed that most people don’t fully grasp how stock options work and tend to make costly mistakes, as well as miss out on opportunities that could help them secure a sound financial future. So, if you’re a high earner, THIS IS A MUST LISTEN! In this episode of The Wealth Cafe, we’ll be focusing on how equity compensation could be the key to unlocking long-term wealth for you and your loved ones.

What we’ll cover:

✅ Owning shares vs. having options.

✅ How equity can be a powerful wealth-building tool.

✅ What people typically get wrong.

✅ Best practices when having this conversation with your financial team.

At The Wealth Cafe, we believe that it’s important to remember that stock options aren’t just add-ons to your compensation package, they’re a potentially very advantageous planning opportunity. So, make sure to have more in-depth discussions with your financial team pertaining to this topic, so that they can help guide you on the right path for sustained success.

☕️For more tips and advice, make sure to subscribe to the show so you don't miss an episode!

🔍INSTAGRAM: / / https://www.instagram.com/tanisfingroup/

LINKEDIN: / / https://www.linkedin.com/in/caroline-tanis/

YOUTUBE: / / https://www.youtube.com/channel/UCHxRZmUZwZVHD4ihCu2iK-w

BLOG: / / https://tanisfingroup.com/blog/

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🔗CONNECT

Website: https://tanisfingroup.com/

Email: caroline@tanisfingroup.com