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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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Aug 18, 2023

How to Achieve Financial Security 

Control Taxes, Assets, & Income

Wealth for Life - BRT S04 EP32 (195) 8-13-2023


What We Learned This Week

·         Financial Security is about control, but how do you gain control?

·         People face 3 Risks – Market, Tax, Capital

·         Stock Market is volatile, and cannot control if it goes down, lose $ and time waiting for a recovery

·         Taxes are one of the biggest expenses during your earning years, and will not go down if you are a high income earner

·         Control 3 Things: Taxes, Assets & Income

·         Invest in the right kinds of Assets that offer tax write offs and income streams – real estate, businesses

·         Taxes are guaranteed to drain wealth. If you can pay a 20% tax rate versus 40% you will have a lot more money working for you.




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’.



Seg 1


Financial security is about control, but how do you gain control?


Market Risk - market goes up and down, when you lose money on a downturn, you have to wait for the market to rebound. You also lose time.

Taxes what most people don’t realize about a 401(k) is that 20 to 30% of the account is going to go to taxes.


Taxes are your biggest expense in retirement. Any gains in the 401(k) is taxed at ordinary income rates. Top 10% income earners in the country saving a 401(k) is not going to be in a lower tax bracket. The top 10% of income earners in the US pays 70% of all federal taxes.

Savings Balance - you cannot save as much if you’re experiencing market losses plus a high tax rate.


90% of all financial advice is to save money and put it in a 401(k). This advice does not apply as much if you are a top 10% income earner.

You need to have a game plan. It is difficult to predict where the market will go as no one can predict the future. The only thing you can do is prepare better.


Control 3 Things: Taxes, Assets & Income


If investments have a 20% loss every year how much would you focus on that?

This is what is happening with taxes, your money is taking a 20% loss every year. If you want to truly grow wealth you must master the tax code. This is how you can go from the top 10% in income to the top 5% or up.


Seg 2


Control 3 Things for financial security, taxes, assets & income


The goal is to build multiple streams of income. Have assets write offs and other investment options.

Taxes is the biggest expense in your earning years and likely in retirement.

As you earn upwards of $500K a year or even 1 million, taxes will be your biggest impediment. The all in tax rate at $150K a year is 30%. If you start earning a $250K a year it is about 35%, and $500K and current year it is 40% +. Bottom line, if you’re in the top 10% taxes are our expense.


You want to own assets to cut taxes – examples: real estate, business, putting money in foundations

Over a five year span, if you save $50,000 a year that’s a total of $250K. If you double it goes to $500K. So if you lose $50K a year in taxes at is the equivalent over time of losing $500K or even $1,000,000+ compounded.

Control assets, you can use leverage to scale wealth.


Majority of high income earners in the US own a business. Businesses have many advantages, besides just the income that you can earn there’s also tax write offs and other advantages.


Build income streams through insurance strategies, annuity income, bond portfolios, dividend earning stocks, even CDs.

Layer up income streams. Use tax bucket strategy plus income streams.

Build a defensive set up, and over the long term you’ll have more money to invest and be offensive taking advantage of opportunities.


Stock market is very popular because it is liquid. Very easy to get in and out of stocks. But it also has risk and can be very volatile.

Investments in businesses and real estate are illiquid, harder to get in and out but can have more long-term advantages and tax advantages.






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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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                   

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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.