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Tax strategy, retirement math, real estate, and the kinds of questions our clients actually ask us between meetings. Written by the same partners who sit across from you at the engagement table.
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How to apply for LA City Business License
This video will walk you through step by step how to apply for the LA City Business license and discuss AB63 letters. Per the City of Los Angeles, "all individuals…
Latest from the team
Cost Segregation Explained: Maximizing Tax Deductions on Rental Properties
Cost segregation is one of the most powerful tax strategies available to real estate investors, but it is often misunderstood. In this episode, Ara Oghoorian breaks down how cost segregation works, why it can significantly increase depreciation deductions, and how…
How to Fill Out IRS Form 4547 for Trump Accounts, Step by Step
Want to open a Trump Account for your child and claim the possible $1,000 government contribution? In this video, CPA and wealth manager Ara Oghoorian walks through IRS Form 4547 line by line, explains who qualifies, and shows exactly how…
Trump Accounts vs IRAs, What Parents Need to Know
Trump Accounts and IRAs are not the same, but used together, they can create a powerful head start for a child’s financial future. Ara explains how Trump Accounts compare to Traditional and Roth IRAs, including eligibility rules, contribution limits, investment…
Graduation Money Advice: How to Build Wealth From Your First Paycheck
Graduating is more than the end of school, it is the beginning of your financial life. In this episode, Ara shares the money advice every graduate should hear before lifestyle inflation, debt, and bad habits take over. Learn how to…
Trump Accounts Explained, New $1,000 Government Investment Account for Kids
Ara breaks down the new Trump Accounts created under the One Big Beautiful Bill Act, a tax advantaged investment account designed for children. In this episode, you’ll learn who qualifies, how the $1,000 government deposit works, contribution limits, investment restrictions,…
S&P 500: The Truth Most Investors Miss
Is investing in the S&P 500 enough to build real wealth, or are you leaving money and protection on the table? Before you go all in on index funds, understand what the S&P 500 does well and where it falls…
What Is Social Security and How It Really Works, Taxes, Benefits, and Retirement Strategy Explained
If you’ve ever looked at your paycheck and wondered where your money is going, Social Security is a big piece of that puzzle. But most people don’t fully understand how it works, until it’s almost time to rely on it.…
IRS Penalties Explained, The Costly Tax Mistake That Can Add 25%
Most taxpayers do not realize how expensive IRS penalties can get until it is too late. In this episode, Ara breaks down the two main IRS penalties, failure to file and failure to pay, and explains why filing late can…
How Social Security Is Taxed, Avoid the 85% Tax Trap
How Social Security Is Taxed, Avoid the 85% Tax Trap and Lower Your Retirement Taxes Most retirees don’t realize up to 85% of their Social Security can become taxable, and one small mistake can cost you thousands. In this video,…
How to Open Your First Investment Account and Buy Your First Investment, Step by Step
How to Open Your First Investment Account and Buy Your First Investment, Step by Step Guide If you have never invested before, this episode walks you through the exact process to open your first brokerage account, deposit money, and buy…
Medicare Surcharges Explained: How IRMAA Can Shrink Your Social Security in 2026
Your Social Security check can drop by hundreds per month without warning. The reason is IRMAA, the Medicare surcharge that catches many retirees off guard. In this episode, we break down exactly how IRMAA works in 2026, how the two…
RSUs Explained: Vesting, Taxes, and Smart Strategies for High-Income Professionals
Restricted Stock Units (RSUs) can be a powerful wealth-building tool — or a tax headache if mismanaged. In this episode, we break down exactly how RSUs work, when you can sell them, how they’re taxed, and the key decisions high-income…
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How to apply for LA City Business License
This video will walk you through step by step how to apply for the LA City Business license and discuss AB63 letters. Per the City of Los Angeles, "all individuals…
Homeowners Insurance
Homeowners insurance is a necessary expense for protecting your property. The basics of what you need to know about it, how much coverage will provide the best protection and so much more are discussed in this video! 0:00 Introduction 1:40 What does homeowners insurance cover? 2:01 What is included in a standard homeowners policy? 2:55 What does property damage liability cover? 3:40 Home insurance replacement cost vs actual cash value 4:16 What is personal property coverage? 4:34 Personal property damage replacement cost and actual cost 6:28 Liability & medical coverage in homeowners insurance 7:21 Personal liability umbrella policy 7:54 What you need to know about homeowners insurance policy and how to find a reliable insurance agent 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 1 Studio City, California 91604 (818) 272-8511 [email protected] Connect with ACap on social media: Twitter: https://twitter.com/acapam Facebook: https://www.facebook.com/ACapAdvisorsAccountants/ LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/ Instagram: https://www.instagram.com/acapadvisorsaccountants/ Fiduciary Oath/Pledge https://www.acapam.com/financial-advi… Financial Advisor in Los Angeles, CA CPA 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
Taxation of Restricted Stock Units (RSU)
RSU stands for Restricted Stock Units and these are shares of stock that vest over time with employment at your company. Taxing RSUs can be a tricky subject, but we're here to break it down for you. 0:00 Introduction 1:05 What is RSU? Restricted Stock Unit (RSU) definition 2:06 The key features of the RSU 2:50 Vesting schedules: RSUs graded vesting & cliff vesting 3:29 What happens with vesting when you’re laid off? 3:58 Taxation of Restricted Stock Units (RSUs) 4:21 Restricted Stock Units (RSUs) vesting example 6:01 Required Taxes on RSUs: Social Security and Medicare Taxes 7:00 Federal Income tax withheld on RSUs 7:44 State Income tax withheld on RSUs 7:54 Supplemental Wage Rate on RSUs 10:28 What are RSUs on Form W-2? 14:00 RSU vs. stock options 14:31 RSU tax implications 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 1 Studio City, California 91604 (818) 272-8511 [email protected] Connect with ACap on social media: Twitter: https://twitter.com/acapam Facebook: https://www.facebook.com/ACapAdvisorsAccountants/ LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/ Instagram: https://www.instagram.com/acapadvisorsaccountants/ Fiduciary Oath/Pledge https://www.acapam.com/financial-advi… Financial Advisor in Los Angeles, CA CPA 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
How to calculate the AB 150 PTE Tax
Correction: Cell D40 should be -$24,647. In this video, we will discuss how to calculate the Pass-through Entity (PTE) tax for California AB 150 and how to compare your tax liability with and without the election. 0:00 Introduction 1:17 S Corporation tax calculation without electing Pass-through Entity (PTE) tax 2:25 California corporate tax calculation without PTE 3:30 Federal income tax calculation without PTE 4:34 AB 150 calculation example 5:41 The Pass-through Entity (PTE) tax calculation 6:52 Benefit of electing Pass-through Entity (PTE) tax Watch our other video "California AB 150: What Is It and Why It Matters" https://www.youtube.com/watch?v=rRfxBzteXj4 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 1 Studio City, California 91604 (818) 272-8511 [email protected] Connect with ACap on social media: Twitter: https://twitter.com/acapam Facebook: https://www.facebook.com/ACapAdvisorsAccountants/ LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/ Instagram: https://www.instagram.com/acapadvisorsaccountants/ Fiduciary Oath/Pledge https://www.acapam.com/financial-advi… Financial Advisor in Los Angeles, CA CPA 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
Qualified Dividends vs. Non Qualified Dividends
There are a couple of key differences between qualified dividends and non-qualified dividends. The big difference lies in the taxes! Listen closely if you're ready for an in-depth explanation of how this can affect you and your finances. 0:00 Introduction 01:03 What is a dividend? 02:51 Qualified vs. non-qualified dividends 03:09 Taxation between qualified and non-qualified dividends 03:46 Unexpected dividends 06:14 Qualified dividends 07:25 Qualified dividends holding period 08:06 Non-qualified dividends 08:22 Examples of non-qualified dividends 09:28 How do I know if my dividends are qualified or not? 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 1 Studio City, California 91604 (818) 272-8511 [email protected] Connect with ACap on social media: Twitter: https://twitter.com/acapam Facebook: https://www.facebook.com/ACapAdvisorsAccountants/ LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/ Instagram: https://www.instagram.com/acapadvisorsaccountants/ Fiduciary Oath/Pledge https://www.acapam.com/financial-advi… Financial Advisor in Los Angeles, CA CPA 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
W-2, W-9 and W-4 Tax Forms Explained
What's the difference between a W-2, W-9 and W-4? Which one should you file for your taxes this year? There are subtle differences you need to know! Lets go through each tax form in today's video! 0:00 Introduction 1:02 Which W-form to complete if you're an employee 1:05 What's the purpose of the W-4? 1:38 What is a W-2? 1:57 What's the difference between a W-2 and a W-4? 2:13 Should I submit W-2 and W-4 to the IRS? 2:33 Which W-form to complete if you're an employer 3:03 What is Form W-9 used for? 3:35 W-9 vs. 1099 Tax Forms: What is the difference? 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. Schedule a Consultation: https://www.acapam.com/contact/ Connect with ACap on social media: Twitter: https://twitter.com/acapam Facebook: https://www.facebook.com/ACapAdvisorsAccountants/ LinkedIn: https://www.linkedin.com/company/acapadvisorsaccountants/ Instagram: https://www.instagram.com/acapadvisorsaccountants/ #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
Recent episodes
ACap ReCap with Ara.
Financial and tax tips from ACap Advisors & Accountants — the latest financial news, the questions we get asked most, and what they mean for your money.
136 episodes
- S1 · E1 Fee-only Fiduciary Financial Advisor & Intellectual Property Attorney | Understanding Patent Our Subject Matter Expert in this episode is Intellectual Property attorney Dr. Adam Diament to discuss patents. Specifically,…
- S1 · E2 How the SECURE Act changed the taxation of stretch and inherited IRAs? Some topics discussed: 1. Should I name a trust as the beneficiary of my IRA? 2. How did…
- S1 · E4 PPP Round 2: How to qualify for additional funds In this episode we discuss the new COVID relief package signed on December 27, 2020, also known as…
- S1 · E3 1099-NEC vs. 1099-MISC, What is the Difference? In this episode we discuss the new 1099-NEC form which goes into affect 2021 for the 2020 tax…
- S1 · E5 Tax Refunds. Why to pay at tax-time? In this episode Ara and Matt discuss why it may be better to pay at tax-time. Schedule a…
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