If you’ve been looking for a financial planning strategy geared towards replacing an out-of-date insurance policy or annuity without negatively impacting the amount you pay in taxes, then this is the episode for you!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!

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

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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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Website: https://tanisfingroup.com/

Email: caroline@tanisfingroup.com

Did you just finish filing your taxes, but feel that your tax refund was lower than you expected? You’re not alone. Oftentimes what we see at The Wealth Cafe is that people just don’t start planning early enough, which is why in this episode we break down how specific strategies and proactive planning can help you avoid stress, surprises, and last-minute scrambling that may have plagued you this year.

What we’ll cover:

✅ Early planning strategies that can potentially save you money.

✅ How K-1 income & investments impact filing timelines.

✅ Tax considerations when selling off investments & assets.

✅ Why coordination with your financial team matters.

Instead of waiting until December to start filing, we’d highly recommend that you start planning as soon as possible, so you can effectively minimize taxes, avoid penalties, and position yourself for a great year.

☕️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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Email: caroline@tanisfingroup.com

Don’t make this major mistake and blow up your golden years. With how volatile tax rates can be, it’s commonplace for people to make pre-tax contributions or utilize tax-deferred savings accounts to avoid paying taxes year after year, but if not planned for properly, you could potentially be paying tens of thousands back to the government when it’s finally time to enjoy the fruits of your labor.

In this episode of The Wealth Cafe, we’re going to take a deep dive into a topic known as the retirement tax savings bomb, which refers to the significant, and often unexpected, tax liability that gets triggered when retirees start withdrawing from pre-tax/tax-deferred accounts. If not defused properly, it could potentially lead to a retiree being pushed into a higher tax bracket, Medicare premium increases, and drastic reductions in overall retirement wealth. So, make sure to tune in and get guidance on how to keep your hard-earned dollars safe from the blast.

What we’ll cover:

✅ Importance of understanding your portfolio.

✅Strategies to save on taxes.

✅ How to handle large amounts of pre-tax money.

✅ Real-life examples.

We encourage you to start working with your financial team as soon as possible, so that they can help you figure out where to strategically save on taxes and maximize your savings, so that you can reach your financial goals.

If for some reason your current financial team can’t assist, feel free to get a second opinion from your friends at Tanis Financial Group. We’d be happy to help: https://tanisfingroup.com/contact/

☕️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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Website: https://tanisfingroup.com/

Email: caroline@tanisfingroup.com

At The Wealth Cafe, many high earners we come across are under the assumption that they make too much money to contribute to a Roth IRA, which isn’t always true. If specific criteria are met and implemented properly into one’s financial plan, a Backdoor Roth IRA can allow high-earners the ability to move money from a Traditional IRA to a Roth IRA. In this episode, we’ll break down how a Backdoor Roth strategy works, the rules and processes around it, and the common mistakes to avoid.

What we’ll cover:

✅ How a Backdoor Roth IRA works.

✅ Rules & restrictions to be aware of.

✅ Common mistakes to avoid.

✅ Importance of recordkeeping and contribution limits.

If you’re someone who has been missing out on contributing to a Roth IRA, then this effective strategy could be perfect for you. We’d recommend working with your financial team to see if this strategy works for you within your specific financial plan.

☕️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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Email: caroline@tanisfingroup.com

At The Wealth Cafe, we’ve noticed that there is an underlying assumption that inheriting a retirement account is simple, but changes to certain rules have made it a little more complex than most people realize. Since post-pandemic AKA 2020, someone who inherits a non-spousal IRA needs to be aware of important tax rules and distribution requirements that come with it. In this episode, we’ll be breaking it all down, so you and your loved ones better understand these rules, as well as avoid costly tax mistakes.

What we’ll cover:

✅ What the 10-year rule really is.

✅ Differences between Traditional vs. Roth inherited IRAs.

✅ How inherited IRA withdrawals can affect tax brackets and income.

✅ Planning strategies to reduce taxes for future generations.

We’ve seen a lot of instances where beneficiaries inherit IRAs during peak earning years and then due to withdrawals end up unknowingly increasing taxable income, pushing themselves into a higher tax bracket, and negatively impacting things like financial aid eligibility. So, as we always say, we’d recommend working with your financial team and planning early, so that you can implement strategies that can help preserve more of your wealth for future generations.

☕️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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Email: caroline@tanisfingroup.com

Are you a landlord or a real estate investor looking for help understanding how to best use a 1031 exchange to defer taxes on investment properties? If so, this episode of The Wealth Cafe is for you! We’ll provide you with insights and information that'll help you understand how a 1031 exchange can be advantageous for you and your specific situation.

What we’ll cover:

✅ Defining what a 1031 exchange is.

✅ How to maximize it.

✅ Important team members to loop in.

✅ Real-life example.

We highly recommend bringing this up to your financial team to see how you can incorporate this into your current financial plan. Having these conversations early will help your team identify if this strategy is right for you. If they aren’t capable of fulfilling your needs, feel free to get a second opinion from your friends at Tanis Financial Group. We’d be happy to help: https://tanisfingroup.com/contact/

☕️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