Live Life Liberated

QTIPs can do more than just clean your ears. They can provide another option in estate planning and tax strategies. Join Bryan Schick and estate and trust attorney Daniel Stolfa on “Live Life Liberated” as they unravel the intricacies of Qualified Terminable Interest Property (QTIP) trusts. This episode dives into the world of QTIP trusts, … Read More Read More

Feeling on edge about your investments during these unpredictable market waves?  Matt Griffith and Sean Clark are breaking down the essentials of investment behavior amidst the whirlwind of market volatility, referencing specific examples from the years we've seen wild swings.  They focus on the art of portfolio construction and maintaining discipline even when the market … Read More Read More

Are you prepared for the changes on the horizon with estate tax exemptions?  Let's discover how to plan and preserve your wealth strategically! Join host Bryan Schick as he dives deep into post-election exemption planning with Dan Stolfa, a Senior Wealth Advisor and trust and estates attorney at Centura Wealth Advisory. Together, they unravel the … Read More Read More

Are you ready to level up your financial strategy and bring your wealth advisory team to the next level? Making the right changes can catapult your success! In this episode, Samantha Lawrence sits down with Kyle Whissel, owner of Whissel Realty, to dive into his dynamic journey of financial growth and expansion. With a rapidly … Read More Read More

Are you leaving money on the table? If you're a high-net-worth family or business owner, hidden tax savings could add up to millions in your real estate or business.  But how do you find them? This week on Live Life Liberated, Derek Myron sits down with tax professional Eric P Wallace to talk about strategies … Read More Read More

How can high-net-worth families and business owners protect their wealth and maximize tax efficiency in today's volatile markets? This week on Live Life Liberated, Sean Clark, Partner at Centura Wealth Advisory, and Chris Osmond, Chief Investment Officer, unpack the impactful power of direct indexing. This personalized approach combines tax loss harvesting and tailored portfolios to … Read More Read More

With tax laws on the brink of change, how can high-net-worth families not only protect their wealth but maximize their tax efficiency?  This week on Live Life Liberated, Kyle Malmstrom, Managing Director at Centura Wealth Advisory, and Adam Buchwalter, Partner at Wilson Elser, deliver a powerful, must-hear breakdown of the critical differences between grantor and … Read More Read More

What does it take for ultra-high-net-worth families to turn their wealth into a lasting legacy? At Centura Wealth Advisory, it all starts with really understanding our client's paint points.  Wealth strategists Derek Myron and Sean Clark examine how Centura's service model is crafted for those with an income of $2 million and assets over $20 … Read More Read More

What's the secret to cultivating a workplace where people are empowered, engaged, and driven to succeed? At Centura Wealth Advisory, it all starts with a commitment to core values and a leadership approach rooted in trust and open communication.  Krystal Puryear, Director of People and Culture, and Nicole Hubbs, Talent Acquisition Specialist, share how Centura … Read More Read More

Are you fully capitalizing on your business's financial strategy? If not, you could be missing out on critical growth opportunities and tax savings. Let's celebrate 100 episodes of Live Life Liberated with a value-packed discussion!

Could your business be missing out on thousands in tax savings right now? In this episode of Live Life Liberated, Greg Klipstein and Samantha Lawrence uncover the Qualified Business Income (QBI) deduction — a powerful yet often overlooked tax benefit designed to help small businesses reduce their tax burden. Despite its potential, many business owners … Read More Read More

Curious about why multifamily real estate stands out as a resilient and potentially lucrative investment? Join Chris Osmond, CFA, CAIA®, CFP®, Chief Investment Officer at Centura Wealth Advisory, as he sits down with Rob Ireland, Managing Director at Continental Realty Assets (CRA). Together, they explore the impact of multifamily real estate, uncovering its multitude of … Read More Read More

Coming from a humble background, Charlie Neer experienced financial turmoil early in his life.  But over the years, he has found success in multiple senior executive positions at various organizations — currently as Chief Revenue Officer (US) at MiQ. Two years ago, Charlie became a client of Centura Wealth Advisory (Centura). In this episode, Centura's … Read More Read More

Most business owners, when asked about their timeline for exiting their business, often say it will take five years. When you ask the same question again next year, guess what they say? Five years! Without proper guidance and planning, you may be tempted to kick the can down the road until it's too late. Listen … Read More Read More

Alternative investments may offer significant opportunities for superior risk-adjusted returns and portfolio diversification. Yet, many investors find their portfolios thin of these investments. In this episode, Centura Wealth Advisory's Chief Investment Officer, Chris Osmond, CFA, CAIA®, CFP®, talks about the world of alternative investments and their critical role in a high-net-worth portfolio. Tune in and … Read More Read More

Some states (like California, New Jersey, and New York) charge significant capital gains taxes.  However, there are 8 states that have zero capital gains tax! This disparity creates some tax planning opportunities for people living in highly taxed states. Tune in to Derek Myron's conversation with Adam Buchwalter, Partner at Wilson Elser, about effective tax-saving … Read More Read More

Are you ready to dive into the world of proactive and comprehensive wealth management designed to help ultra-high-net-worth individuals achieve exponential results? In this episode, Sean Clark speaks with Derek Myron, founder, CEO, and managing director of Centura Wealth Advisory (Centura), about the innovative Liberated Wealth® process. Discover the five-step journey Centura's clients embark on, … Read More Read More

Business owners with a lot of surplus cash flow often want to put it away in a qualified plan and defer taxes. The problem is that they might feel restricted by the contribution limits. However, there is a way to set up a qualified plan and potentially contribute millions of dollars. To learn more about … Read More Read More

Life insurance is often only viewed as a way to get a death benefit. But if you look beyond its conventional definition, you'll see how life insurance has several use cases in tax planning, wealth transfer, and as an alternative investment! Join Centura Wealth Advisory's Sean Clark, Wealth Advisor, and Christopher Hyman, Director of Insurance … Read More Read More

In 2017, the Tax Cuts and Jobs Act (TCJA) introduced some significant changes to tax laws, both on the income and estate side. Now, as we approach its expiration on December 31st, 2025, it is important to plan for the looming tax changes! Join our senior wealth advisors Matt Griffith, CFP®, and Roby Kotcamp, CFP®, … Read More Read More

The once-generous estate and gift tax exemptions set by the Tax Cuts and Jobs Act (TCJA) are due to sunset on December 31, 2025. Is your estate plan ready for the challenge? In this episode, Kyle Malmstrom, Managing Director, and Christopher Hyman, Director of Insurance Solutions, refer to strategies to reduce the estate tax liability … Read More Read More

As the financial services industry moved to a fee-based model, many firms started to ‘bundle' their services. For example, investment management may be bundled with financial planning. But are clients really getting maximum value from bundled services? In this episode, Derek Myron, CFP®, Managing Director, and Sean Clark, Director of Financial Planning,  explore the benefits … Read More Read More

Are you worried about the impact of the 2024 election on the markets and your investments? Especially when geopolitical tensions, the uncertainty of tax law changes, the ousting of the Speaker of the House, and the threat of a government shutdown are adding to the stress? In this episode, Matt Griffith, CFP®, Senior Wealth Advisor, … Read More Read More

With companies shifting to a hybrid work environment, it has become challenging to maintain a strong corporate culture, attract top talent, and build high-performing teams. In this episode, Derek Myron, CEO, and Jonathan Freeman, COO, share actionable ideas to build a thriving corporate culture. They tap into best practices that have helped Centura Wealth Advisory … Read More Read More

As your wealth grows, your financial planning needs become significantly more complex. At Centura Wealth Advisory (Centura), we specialize in serving high-net-worth and ultra-high-net-worth individuals, helping them lighten the burdens of wealth! In this episode, Kyle Malmstrom and Sean Clark, MBA, talk about Centura's Liberated Wealth® process, including an overview of our sophisticated wealth management … Read More Read More

Advisors, are you seeking the secret to delivering unparalleled value to your high-net-worth clients? In a world where wealth advisory excellence is defined by innovation and collaboration, you might want to explore the power of joint casework. In this episode, Samantha Lawrence, CFP®, Associate Advisor, interviews Gregg Gottlieb, CFP®, co-founder of Regal Wealth Advisors, about … Read More Read More

There is a wide disparity in tax rates between U.S. states. For example, the top tax rate in California is 13.3%, while South Dakota has 0% state tax on trusts! However, if you live in a high-income-tax state, you can still benefit from lower tax rates without moving physically. In this episode, Kyle Malmstrom, Managing … Read More Read More

While passing on your wealth to future generations, you might want to make it as estate tax-efficient as possible. If your estate amount exceeds the estate tax exemption limit, a Qualified Personal Residence Trust (QPRT) might be for you. In this episode, Seth Meisler, CFA, CFP®, CPA/PFS, MBA, Senior Wealth Advisor, and Samantha Lawrence, CFP®, … Read More Read More

High-net-worth and ultra-high-net-worth individuals are often focused on protecting and growing their wealth while minimizing taxes. However, not all of their assets generate “tax-efficient” income. This is where private placement life insurance (PPLI) can come into play. In this episode, Derek Myron interviews Christopher Hyman, Director of Insurance Solutions at Centura Wealth Advisory. They explain … Read More Read More

Are you thinking about selling your business? Do you feel overwhelmed and unsure about the process? In this episode, Derek Myron interviews Donovan Weber, who recently sold his business to an international conglomerate. Donovan shares the planning process he went through at Centura Wealth Advisory (Centura) before and after selling his business, the things he … Continue reading Centura Client Experience from the View of a Retired Business Owner (Ep. 80) →

With its young population, strong tailwinds, and supportive political regime, India might be the next bright spot for investors. In this episode, Chris Osmond, Chief Investment Officer speaks with Manu Rikhye, partner at GrowX Venture Management and Merak Ventures, about the Indian investment landscape and how to navigate the risks. Join them to learn about … Continue reading Private Equity Investment Opportunities in India (2023 Edition) With Manu Rikhye (Ep. 79) →

The sale of a business represents not only the culmination of years of hard work and dedication but also a unique opportunity to amass considerable wealth. With so much at stake, having a specialized wealth management team in your corner can make a significant difference! In this episode, Derek Myron speaks with Jimmy Page, who … Continue reading Centura Client Experience: Exiting a Business (Ep. 78) →

Are you a business owner or high-income executive concerned about recent changes in the economic, political, and tax environment? In this episode, Kyle Malmstrom and Matt Griffith, CFP®, cover a range of topics, including ways to prepare for a huge liquidity event, tax planning, investment considerations during high interest rates, and an overview of our … Continue reading Preparing for Change: How to Adapt to Economic and Tax Legislation Shifts (Ep. 77) →

Krista Schmitt, a retired CPA, has spent nearly 30 years working for a Fortune-500 company in the area of accounting and financial information systems. Despite her financial background, she knew she wanted to lean on an expert and decided to work with Centura Wealth Advisory (Centura) and has been a client of Derek Myron, Managing … Continue reading Centura Client Experience from the View of a Retired Certified Public Accountant (Ep. 76) →

If you're a financial advisor, you know that the industry can be tough to navigate alone. The key to growth lies in collaboration with fellow professionals. Collaboration not only paves the way for accelerated growth, but it can also improve your client service! In this episode, Derek Myron speaks with Tom Oliveira, Wealth Advisor at … Continue reading Collaboration in Financial Services: How One Plus One Can Deliver Exponential Results with Tom Oliveira (Ep. 75) →

Private fiduciaries can play a critical role in managing and protecting the assets of their clients. They also help ensure that their clients' wishes are carried out after they are gone and their assets reach their desired beneficiaries. In this episode, Derek Myron speaks with David Stapleton, President of Stapleton Group, Inc., about private fiduciaries, … Continue reading Private Fiduciaries and Their Role in Estate Planning with David Stapleton (Ep. 74) →

High-interest rates have caused both stocks and bonds to perform poorly in recent months. However, looking beyond stocks and bonds, private credit and direct lending have emerged as particularly attractive options for those seeking higher yields and lower volatility. In this episode, Chris Osmond speaks with Philip Hasbrouck, Senior Managing Director and Co-Head of Cliffwater's … Continue reading Beyond Stocks and Bonds: Exploring Private Credit and Direct Lending With Philip Hasbrouck (Ep. 73) →

Whether you are a U.S. citizen with international sources of income or a foreign national conducting business in the U.S., it is important to understand how international taxation works so that you do not end up overpaying in taxes. In this episode, Kyle Malmstrom speaks with Connor Southwell, Director of Citrin Cooperman's International Taxation Services … Continue reading How To Navigate International Tax Planning With Connor Southwell (Ep. 72) →

When financial advisors collaborate with fellow professionals (EPAs, CPAs, other advisors, etc.), it helps them improve their client service and simultaneously accelerate their own growth. This is the rationale behind Centura Wealth Advisory's Elite Advisor Collaboration Program (EACP), where radically transparency is the cornerstone. In this episode, Jonathan Freeman and Derek Myron explain what EACP … Continue reading Bringing Exponential Value to Clients With the Elite Advisor Collaboration Program (Ep. 71) →

Pass-through entities are complex, but it's important to pick the one that's best for your business needs from the get-go. In this episode, Kyle Malmstrom speaks with Chuck Levun, a partner at Levun, Goodman & Cohen, LLP, about pass-through entities today. They explain what pass-through entities are, talk about the pros and cons of S … Continue reading Picking The Right Pass-Through Entity For Your Business With Chuck Levun, JD, CPA (Ep. 70) →

After moving from China to the US in 1989 to pursue his Ph.D. in psychology at UCSD, Tony Chen transitioned from an academic in post-doctorate studies to business — becoming a lifelong entrepreneur and business owner. Fast forward to 2019, when Tony considered exiting his business and became a client of Matt Griffith, CFP®, Senior … Continue reading Centura Client Experience from the View of a Lifelong Entrepreneur and Business Owner (Ep. 69) →

In 2017, the state and local tax (SALT) deduction was capped. This severely impacted the taxes for many people, especially the high-income earners in high-income-tax states. In this episode, Roby Kotcamp and Derek Myron talk about the provisions that many states are offering, including California, to help taxpayers minimize the impact of the SALT deduction … Continue reading How To Cut Your Tax Bill by Navigating the Cap on SALT Deductions (Ep. 68) →

Section 1202 of the IRS code can potentially save eligible business owners millions of dollars in taxes. However, it is an underutilized section as few business owners know how to successfully implement this strategy. In this episode, Roby Kotcamp and Kyle Malmstrom explain what Section 1202 entails, the primary eligibility criteria for QSBS (qualified small … Continue reading Section 1202: How Business Owners Can Save Millions of Dollars in Taxes (Ep. 67) →

At Centura, we divide financial planning services into two categories: 1) Steps that make your plan just “good enough” and 2) Steps that actually move the needle and make a measurable difference in your wealth. In this episode, Derek Myron and Sean Clark unpack the four steps that fall “below-the-line” and three steps that fall … Continue reading “Above-the-Line” Financial Planning: How to Move the Needle on Your Wealth Management Services (Ep. 66) →

Historically, many Americans have been quite charitably inclined. If you are one of them, your philanthropic efforts can be optimized with Charitable Remainder Trusts (CRTs) that help you minimize your taxes when donating to your favorite organizations. In this episode, Derek Myron and Kyle Malmstrom explain the benefits and risks of Charitable Remainder Trusts (CRTs) … Continue reading Tax-Efficient Philanthropy With Charitable Remainder Trusts (Ep. 65) →

Chuck and Mary Ann Cox became clients of Derek Myron, Managing Director of Centura Wealth Advisory (Centura), in 2004. After 18 years of wealth management and financial planning, Derek continues to serve Chuck today (unfortunately, Mary Ann passed away in 2018). In this episode, Derek Myron interviews Chuck Cox, a retired executive, about his client … Continue reading Centura Client Experience from Retired Executives Point of View (Ep. 64) →

The recent market and economic downturn, combined with high inflation and looming interest rates, are forcing investors to consider alternative asset classes. One such alternative asset class is private equity, which has become highly accessible to individual investors today. In this episode, Chris Osmond, CFA, CAIA®, CFP®, speaks with Jeremy Held, Managing Director at Bow … Continue reading Opportunities in Private Equity With Jeremy Held of Bow River Capital (Ep. 63) →

Selling a business is a complex process. You need to tackle several types of taxes. You need to effectively invest the proceeds. Finally, you also need to overcome the emotions of letting go of your business. In this episode, Kyle Malmstrom interviews Doug Pate, a client of Centura Wealth Advisory (Centura) who recently sold his … Continue reading What It's Like To Sell a Business With Our Client Doug Pate (Ep. 62) →

Given the current market gyrations, we are often asked by clients, “What are we doing to manage risk? And how does it impact our portfolios?” In this episode, Roby Kotcamp, Senior Wealth Advisor, and Chris Osmond, Chief Investment Officer, discuss Centura Wealth Advisory's approach to risk management. They also explore strategies to achieve greater risk-adjusted … Continue reading How To Earn Greater Returns in a Risky Environment (Ep. 61) →

Aubrey Serfling and Lori Long have worked with Centura Wealth Advisory (Centura) as clients for over eight years now. Despite being retired executives today, they continue to work on their charitable endeavors. In this episode, Derek Myron interviews Aubrey and Lori about their client experience at Centura. They share insights into their wealth management journey … Continue reading Centura Client Experience from Retired Executives Point of View (Ep. 60) →

Real estate investors often use a 1031 exchange to defer taxes. However, a direct 1031 exchange is not possible if you want to transfer your real estate investment into publicly traded REIT shares. In this episode, Sean Clark, Director of Financial Planning, and Mark Kenny, Advanced Planner, discuss alternative tax deferral strategies using UPREITs and … Continue reading Effective Tax Deferral Strategies for Real Estate Investors With Mark Kenny (Ep. 59) →