ACap ReCap: Financial and Tax Tips

In this podcast, we break down everything you need to know about Treasury Bills (T-Bills): from taxation to buying and selling, and what happens when they mature. We cover why T-Bills are popular, how they compare to bonds and notes, and whether they’re a better investment than CDs. You'll also learn about their tax treatment, including state, federal, and capital gains taxes, as well as how to calculate their tax-equivalent yield. Plus, we discuss how to purchase T-Bills, what happens if you sell before maturity, and whether they’re FDIC insured. Tune in for a clear and practical guide to navigating T-Bills!Schedule a Consultation:https://www.acapam.com/contact/Financial Advisor in Los Angeles, CACPA in Los Angeles, CA12031 Ventura Blvd., Suite 1Studio City, California 91604(818) 272-8511hello@acapam.comConnect with ACap on social media:X: https://www.x.com/acapam/Instagram: https://www.instagram.com/acapadvisorsaccountants/Facebook: https://www.facebook.com/ACapAdvisorsAccountants/LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/

Homeowners insurance is more than just a policy—it’s peace of mind. In this episode, we break down the essentials: what homeowners insurance covers, the key components of a standard policy, and the difference between replacement cost and actual cash value. We’ll also cover personal property protection, liability coverage, and how to find a reliable insurance agent. If you’re a homeowner or planning to be one, this episode will help you make informed decisions about protecting your home and assets.✅ Schedule a Free Consultation:https://www.acapam.com/contact/Financial Advisor in Los Angeles, CACPA in Los Angeles, CAConnect with ACap on social media: 👇X: @acapam/Instagram: @acapadvisorsaccountantsFacebook: @ACapAdvisorsAccountantsLinkedIn: @acapadvisorsaccountants#homeowners #homeownersinsurance #insurance #homeownerspolicyDISCLAIMER: THIS EPISODE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

Trump’s 2025 tax proposals could dramatically reshape the financial landscape for both individuals and businesses. Significant changes could include the elimination of taxes on Social Security income, tips, and overtime pay, providing relief to workers in various sectors. These proposals also extend to corporations, where Trump’s plan suggests a permanent reduction in the corporate tax rate to 21% and the full repeal of the corporate Alternative Minimum Tax (AMT). Additionally, the plan could bring new tax benefits, such as deductions for auto loan interest and expanded allowances for small businesses. While some of these measures may face uncertainty in Congress, others like the extension of the Tax Cuts and Jobs Act are expected to pass. 👉 Stay informed and learn how these shifts might impact your taxes, deductions, and financial planning as 2025 approaches. ✅ Schedule a Free Consultation:https://www.acapam.com/contact/Financial Advisor in Los Angeles, CACPA in Los Angeles, CAConnect with ACap on social media: 👇X: @acapam/Instagram: @acapadvisorsaccountantsFacebook: @ACapAdvisorsAccountantsLinkedIn: @acapadvisorsaccountants#trumptaxes #trumptaxplan #trump2024campaign #taxplanning  #taxplanningtips #trump2025 DISCLAIMER: THIS EPISODE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

In this episode, we’ll explain California Assembly Bill (AB) 150 and its impact on business owners and taxpayers. Here’s what we'll cover:1. What is California AB 150?2. The Small Business Relief Act under AB 1503. Which entities qualify and don’t qualify4. How to calculate the potential tax benefits5. Important tax deadlines for AB 1506. Potential downsides to considerCheck out our blog posts:What is California AB 150: SALT Workaround:https://www.acapam.com/taxes/what-is-california-ab-150-salt-workaround/What is qualified business income tax deduction?https://www.acapam.com/webinar/qbitaxdeduction/ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm. Subscribe to ACap Advisors & Accountants YouTube Channel:https://www.youtube.com/c/Acapam/featured?sub_confirmation=1Schedule a Consultation:https://www.acapam.com/contact/12031 Ventura Blvd., Suite 1Studio City, California 91604(818) 272-8511hello@acapam.comConnect with ACap on social media:X: https://x.com/acapamFacebook: https://www.facebook.com/ACapAdvisorsAccountants/LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/Instagram: https://www.instagram.com/acapadvisorsaccountants/Fiduciary Oath/Pledgehttps://www.acapam.com/financial-advi...Financial Advisor in Los Angeles, CACPA in Los Angeles, CA#fiduciaryfinancialadvisor #AB150

In this episode, we break down everything you need to know about index funds—what they are, how they work, and why they’re considered a popular choice for both beginner and experienced investors. We’ll explore some of the most common types of index funds, including the Dow Jones Industrial Average, the S&P 500 Index, the NASDAQ Composite, and a few international options, providing insights into their unique characteristics and benefits.We’ll also discuss the key differences between mutual funds and exchange-traded funds (ETFs), helping you understand which might be the better fit for your financial goals. Whether you’re looking to start investing or refine your strategy, we’ll guide you step-by-step through the process of choosing the right index fund, opening an account, and making your first investment.Plus, we’ll share tips on the long-term benefits of index fund investing, including low costs, diversification, and the potential for steady growth. This episode is packed with practical advice to help you feel confident about entering the world of index fund investing.Tune in to learn how index funds can become a cornerstone of your financial strategy!Schedule a Consultation:https://www.acapam.com/contact/Financial Advisor in Los Angeles, CACPA in Los Angeles, CA

In my previous episodes, I talked about what a 529 Plan is and shared its advantages and disadvantages. In this episode, we’re diving deeper into this amazing plan to uncover the full list of eligible expenses. From tuition and books to adjusted qualified education expenses (AQEE) and what doesn’t qualify, this episode has all the insights you need to make the most of your 529 Plan.ACap Advisors & Accountants is a financial advisor and CPA firm located in Los Angeles, California. We are a full service wealth management and CPA firm.Subscribe to ACap Advisors & Accountants YouTube Channel:https://www.youtube.com/c/Acapam/feat...Schedule a Consultation:https://www.acapam.com/contact/12031 Ventura Blvd., Suite 1Studio City, California 91604(818) 272-8511hello@acapam.comConnect with ACap on social media:Twitter: https://twitter.com/acapamFacebook: https://www.facebook.com/ACapAdvisorsAccountants/LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/Instagram: https://www.instagram.com/acapadvisorsaccountants/Fiduciary Oath/Pledgehttps://www.acapam.com/financial-advi...Financial Advisor in Los Angeles, CACPA in Los Angeles, CA#fiduciaryfinancialadvisor DISCLAIMER: THIS VIDEO IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

In this episode, Ara Oghoorian discusses the newly passed H.R.82 bill, the Social Security Fairness Act, and how it could significantly increase your Social Security benefits. He breaks down the key elements of the bill, including the Windfall Elimination Provision and the Government Pension Offset, explaining how they impact you. Ara also guides you through the process of calculating your benefit increase and shares insights on when President Biden might sign the bill into law, offering a clear picture of what this change means for your Social Security benefits.The Social Security Fairness Act (H.R.82) marks a transformative milestone in U.S. retirement policy. Recently passed by the Senate and awaiting the President's signature, this legislation seeks to eliminate the long-standing Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). These provisions have historically reduced Social Security benefits for millions of public sector employees, who also receive non-covered pensions. Once enacted, the Act will increase Social Security benefits for an estimated two million Americans, with retroactive payments effective January 1, 2024. Over the next decade, it is projected to provide $196 billion in additional benefits, significantly enhancing retirement income for many while addressing decades-old inequities in the Social Security system.👉 Open Your Social Security Accounthttps://www.ssa.gov/👉 Social Security Windfall Elimination Provision (WEP) Online Calculatorhttps://www.ssa.gov/benefits/retirement/planner/anyPiaWepjs04.html✅ Schedule a Free Consultation:https://www.acapam.com/contact/Financial Advisor in Los Angeles, CACPA in Los Angeles, CAConnect with ACap on social media:Twitter: https://twitter.com/acapam/Instagram: https://www.instagram.com/acapadvisorsaccountants/Facebook: https://www.facebook.com/ACapAdvisorsAccountants/LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/DISCLAIMER: THIS VIDEO IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TAX, FINANCIAL, OR LEGAL ADVICE. EVERY PERSON’S SITUATION IS DIFFERENT AND YOU SHOULD CONSULT WITH YOUR OWN FINANCIAL AND TAX ADVISOR FOR ADVICE SPECIFIC TO YOUR SITUATION. COMMENTS ARE NOT REVIEWED

As we approach the end of the year, it's time to prepare for a financially smart 2025. Here are 11 key tax tips to consider:1. Maximize 401k contributions2. Harvest losses3. Gift $16,000 to lower your taxable estate4. Roth IRA conversion5. Defer income6. Paying for medical or college bills7. Qualified Charitable Distribution8. Charitable donations9. Donate appreciated stock10. Create a Donor Advised Fund (DAF)11. Spend your Flexible Spending Account (FSA)These strategies can help you reduce your tax liability and prepare for a more financially secure year ahead. Reach out if you need more guidance on any of these!Schedule a Consultation:https://www.acapam.com/contact/Financial Advisor in Los Angeles, CACPA in Los Angeles, CA12031 Ventura Blvd., Suite 1Studio City, California 91604(818) 272-8511hello@acapam.com

In this episode we talk about a dividend yield and its calculation. A dividend yield is a financial ratio used to gauge your performance and rate of return on a stock.It’s calculated by taking the total dividend paid and dividing it by the price of the stock at any given point.➝ If the price of the stock goes up and the dividend stays the same, your yield goes down.➝ If the price of the stock goes down and the dividend stays the same, your yield goes up.Schedule a Consultation:https://www.acapam.com/contact/Financial Advisor in Los Angeles, CACPA in Los Angeles, CAConnect with ACap on social media:Twitter: https://twitter.com/acapam/Instagram: https://www.instagram.com/acapadvisorsaccountants/Facebook: https://www.facebook.com/ACapAdvisorsAccountants/LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/

Exchange-traded notes are sometimes confused with exchange-traded funds, but they are very different. In this episode, we talk about exchange-traded notes (ETNs), their advantages and disadvantages, and then compare ETNs with exchange-traded funds (ETFs).Schedule a Consultation:https://www.acapam.com/contact/Financial Advisor in Los Angeles, CACPA in Los Angeles, CAConnect with ACap on social media:Twitter: https://twitter.com/acapam/Instagram: https://www.instagram.com/acapadvisorsaccountants/Facebook: https://www.facebook.com/ACapAdvisorsAccountants/LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/