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AZ Tech Roundtable 2.0

AZ Tech Roundtable 2.0 with Matt Battaglia

The show where EntrepreneursTop Executives, Founders, and Investors come to share insights about the future of business


AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving

Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more… 


AZ TRT Podcast Home Page:

‘Best Of’ AZ TRT Podcast: Click Here 

Wealth for Life: HERE


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* Sign Up for 'All New' the AZ TRT Show Newsletter at the EK Website

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Oct 14, 2022

Wealth for Life Concepts - Offense / Defense, Assets, Leverage & Control 3 Things


BRT S03 EP51 (150) 10-14-2022 – Wealth for Life


Things We Learned This Week

  • Offense / Defense - Balance in a Financial Plan – Synergy of the Mix
  • Assets – Difference between Appreciating & Harvesting
  • Leverage – Get More w/ Less to Scale Wealth
  • Control 3 Things – Taxes, Capital, & Assets – Tax Protection, Acquire Assets, & Access to Capital  


Co-Host: Denver NowiczPresident - Wealth For Life 

Denver is an advisor with nearly 20 years experience working with clients in investments and insurance, designing retirement plans with a combo of both. He takes us through different strategies for clients to get the best allocations for their money over the long term. It is the Combo Strategy of both Offense and Defense, the synergy of the mix, not ‘All or Nothing’.





Beware Taxes! Defense is What You Need vs Offense in Your Investment Gameplan


Synergy of Offense / Defense – diversification of income streams, lessen market risk


Offense – stocks, crypto, real estate

Defense - IUL, Cash Flowing Business, Real estate, bonds, dividend stocks

Offense – tactical – hold 15-20 stocks – aka ‘best houses on the block’

Tactical Investment Strategy – goal of growth, shift with market sentiment, value to growth or growth to cyclical – active management.  15% beat market, 85% do not.

Secular trends – housing, building or energy

Index – safe but will not out perform market, just bought off shelf.

Index has Market risk and Zombie Co. problem.

Cash = bad, gets eaten up by inflation = Inflation risk

Stock market – good at growth, but inefficient on income, hard to capture the gains

 “One Thing” Retirement Plan – 401K and stocks, hope it goes up and no volatility (market risk). 90% of people are on this plan.

Build Assets – or create assets, like a digital brand

Never go back to Vegas with scared money. Lose $, then chasing losses

Combine offensive and defensive strategies


Defense – wins championships, stable. Finances are stable, allows you to take risks IUL, CF business. During bad market, wait for stocks to rebound and pull money from IUL or business.

Visual – what is needed income or expenses – cover basics, then invest other money. Defense = 40%

More wealth created, less money in market – money from business or real estate, move money to index strategies. Use financial leverage to increase wealth.

Average worker – salary and money in market (401 K). All money is offensive strategy and subject to disruption and market risk.

Defense – Tax Protection and Tax Buckets 3 taxed, tax free, tax deferred



Full Show: HERE





Assets – Appreciating vs. Harvesting


Assets: Appreciating vs. Harvesting  

There are many different Assets you can invest in. Common asset classes are Stocks, Bonds, Gold & Real Estate. There are Alternative assets like Crypto, Art, Private Equity, etc.

The classic idea is you  buy an asset as an investment with the idea it will appreciate over time so it is worth more when you sell it.  Buy low, sell high.

It also may act as a hedge vs inflation. Instead of having your money sit in cash, and lose money to inflation, you purchase an asset that goes up in value more than inflation.

What is rarely discussed is the concept of Appreciating Assets vs. Harvesting Assets. What's the difference?

Appreciating Assets are the assets mentioned above, where the plan is to buy low, wait for the appreciation, then sell high. You do not capture the gains until you sell. You gain value on paper, but if you wait too long to sell, you could miss the appreciation. Likewise if they lose value but you do not sell, then only a paper loss. 

Stocks are a classic example. 'If I just sold last month, I would have made 25%, instead of 15%.' You have to time it right.

Other examples are Gold, Art, most Crypto, certain types of Real Estate (Land for example with nothing build on it yet). 

These assets are only valuable when they appreciate, and if you sell at the right time. 

Harvesting Assets are assets that get interest, or give off profits, or cash flow.
You are able to capture some of the gains from the asset. 

Examples are:

  • Rental Real Estate - get rental income, plus expense write offs, plus depreciation ***
  • Bonds - collect interest during the term, and receive the full value if held the entire term ***
  • Dividend Stocks - receive payments quarterly from the co. ***
  • REITs - pays out 90% of income as dividends to investors ***
  • Crypto that is Staked - receive interest payments while staking ***
  • Covered Call Options - collecting premium on stocks you own, by renting them out ***
  • Business - that is profitable, and gives off cash flow
  • Index Life Insurance - receive credited interest during the term

*** Asset value can go up or down in the holding period

In fact many of the above Harvesting examples can all be both Appreciating and Harvesting Assets:

Rental Real Estate, Bonds, Dividend Stocks, REITs, Cash Flowing Business, Index life Insurance, etc.


Full Show: HERE





Leverage - Get More with Less Effort – How to Scale Wealth

Leverage – more with less. Get More with Less Effort.

Ex: job with W2 income – no leverage, all based on single effort, cannot multiply.

Sole proprietor – limited leverage, one person can do so much.

Systems to multiply efforts – can be digital, team, finances


Financial leverage – mortgage. Buy house ($250K) for cash, or buy $1 million dollar house, put down same $250K at 25% , now control $1 million asset house. 

75% leverage or 3 to 1. What plan will earn you more money? $1 million house appreciates more.

Digital Product – create 1 time, sell 100 times


Average invest $1 and have $1 earning, wealthy invest $1, borrow $3 and have $4 earning interest

Use OPM and deploy in safe ways.

Safer return on larger investment will win every time

Average using own money and risky, chase rate of return. Wealthy take more money and put in safer return instead of chasing 12% ROI on $250K, get 6% ROI on $1 million using leverage.


Full Show: HERE





You Need to Control 3 Things in Investing – Taxes, Capital & Assets


Investing plan for Top 10% of income earners ($150K +) or top 5% ($250K +)

Need different strategies, not just 401K or stocks, not like other 90% of population

Wealthy diversify their assets / investments, stock market is just 25% of their investing

Control taxes – protect money from taxes

Control Capital - access to capital – use leverage properly at 4:1

Control Assets – acquire assets to create passive income streams

Wealthy does not put all their money in the stock market.

Every $1 lost to taxes = $8 in lost wealth

$1 at 7% (rule of 72), at 10 yrs = $2, at 20 yrs = $4, at 30yrs = $8

$50K lost = $400K (x8) lost over the long term

If you earn over $500K / year +, top 1% of income earners

The ultra wealthy know that you have to control taxes.

401K does not reduce taxes, it defers taxes, and at $25K /yr, this will not move the needle enough, need major changes to reduce taxes, and propel wealth  

Control Capital – protect principal, no losses, lock in gains

Use Leverage well at a 4:1 multiple, Control $4 with $1 

Just like you finance your house thru a mortgage, finance your retirement (mortgage leverage is typically 3:1, loan is 3x your yearly income) 

Deploy different strategies to grow wealth and make $ millions, really scale wealth from $1 to $5 mil, or $5 to $10 mil

Assets –pull money from passive income & use for more investing

Create investing cycle and repeat to grow wealth


Full Show: HERE




More Info on WFL and Tax Free Matching: HERE



Wealth For Life Topic:


Link to Taxes Show on 10/31/2021 w/ Denver: Here

Link to Offense / Defense Show on 6/6/2021 w/ Denver: Here

Link to Shows, Denver was a Guest: Here


Investing Topic:

More - BRT Best of:



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Please Subscribe to the BRT Podcast. 



Business Roundtable with Matt Battaglia

The show where EntrepreneursHigh Level Executives, Business Owners, and Investors come to share insight and ideas about the future of businessBRT 2.0 looks at the new trends in business, and how classic industries are evolving

Common Topics Discussed: Business, Entrepreneurship, Investing, Stocks, Cannabis, Tech, Blockchain / Crypto, Real Estate, Legal, Sales, Charity, and more… 

BRT Podcast Home Page:

‘Best Of’ BRT Podcast: Click Here

BRT Podcast on Google: Click Here

BRT Podcast on Spotify: Click Here                   

More Info:

KFNX Info:


Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.