Most people spend their lives trying to build wealth.
Very few learn how to keep it.

The habits that help you accumulate money—aggressive growth, high risk tolerance, constant optimization—are often the exact same habits that quietly destroy wealth once you’ve already won the game.

In this episode of The Steward’s Protocol, Mo and Andrew break down the hidden transition almost every high-net-worth individual faces—and why so many people miss it.

You’ll learn:

- Why accumulator thinking becomes dangerous at $5–10M+
- How strategic liquidity creates opportunity during chaos
- The silent tax decisions that quietly erode long-term wealth
- Why asset protection matters more than returns at this stage
- When doing everything yourself becomes the riskiest move
- How families who keep wealth prepare the next generation, not just the portfolio

This isn’t about chasing higher returns or playing offense forever.
It’s about shifting from growth to stewardship—and designing a system that protects, preserves, and passes on what you’ve built.

If you’ve already climbed the mountain, this episode shows you how to build something that lasts at the top.

Top 5 Mistakes Wealthy Investors Must Avoid in 2026
Start 2026 with the end in mind. If you earn $200k plus or you have a seven figure portfolio, a few avoidable mistakes can cost six or seven figures over a lifetime. In this episode Andrew Nida from Asset Management Group, Inc. breaks down the five mistakes wealthy investors must avoid in 2026 and how to align investments, taxes, and cash flow with the outcomes you actually want.
Even high-income earners and retirees often make significant financial errors. This video addresses common mistakes that can cost hundreds of thousands of dollars, emphasizing the importance of effective financial planning. We discuss how coordinating cash flow, taxes, and risk is crucial for sound financial management, especially as tax planning strategies evolve. 💸
What you will learn
• How to define the future you want and the outcomes you want to avoid
• How to align 2026 portfolio risk with withdrawal needs in a falling rate environment
• How to coordinate the three tax buckets
• High value employer and qualified plan moves
• How to stay opportunistic when markets surprise
• How to build a per pay period funding and quarterly review rhythm with your advisory team
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Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

How Waiting to Retire Can Cost You Millions!
This episode examines the significant "cost of waiting" for "high net worth" individuals when it comes to "retirement planning". We explore how delaying this crucial step can impact long-term "wealth management", leading to substantial financial losses. Discover actionable insights for effective "financial planning" to build lasting wealth.

One decision can quietly erase seven figures over your career. In this episode, Mr. Moise Piram breaks down the three real costs of delaying retirement savings for high earners and the three actions you can take this week to course correct. No market timing. No gimmicks. Just math and thoughtful planning.

What you will learn:
• The compound interest penalty: why a 10-year delay can mean over $1 million less at retirement
• The employer match gap: how partial participation leaves hundreds of thousands unclaimed
• The tax advantage compression: missed deductions, lost HSA growth, and fewer levers in retirement
• Three actions to take now: capture the match, automate and escalate, and maximize an HSA when eligible

Chapters:
Hook and intro
Cost 1: The compound interest penalty
Cost 2: Missing the employer match
Cost 3: Tax advantage compression
Action plan: three moves to make this week
Summary and next steps

Helpful context for 2025: current limits include a 401(k) employee deferral of $23,500 and HSA limits of $4,300 for individuals and $8,550 for families. Confirm your eligibility and current year limits before acting.

Stay tuned for more on financial planning, tax planning, and wealth management. Like, share, and subscribe for weekly updates.

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Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

Expert Reveals Holiday Secrets of Millionaires That Actually Work
Holiday cheer should not come with a credit card hangover. In this special episode, Andrew Nida and Moise Piram unpack how to enjoy Thanksgiving through Christmas without getting trapped by corporate tactics, fake deals, and costly patterns. We cover what has changed in holiday shopping, how to spot real versus fake discounts, why kids thrive with less, and a practical AMG Holiday Playbook you can use today.

What you will learn
• Thanksgiving by the numbers and why expectations drive overspending
• How holiday shopping has shifted from in store to online and why manipulation increased
• The truth about most Black Friday and Cyber Monday pricing
• How holiday credit card debt grows and simple ways to avoid it
• Why kids remember experiences more than volume
• AMG Holiday Playbook steps to take before you buy

Like, share, and subscribe to stay current on financial planning, tax planning, and wealth management updates. Educational content only.

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Website: https://www.assetmg-inc.com/
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Blog: https://www.assetmg-inc.com/blog

Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

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The Hidden Cost of Multiple Advisors: An $86,000 Mistake
Two advisors. One expensive collision. In this episode I unpack how $86,000 in realized capital gains from an uncoordinated brokerage account cascaded into surprise taxes, higher Medicare premiums through IRMAA, and a missed Roth conversion window. If you split assets across firms, this is your wake up call to coordinate or consolidate.

What you will learn
• Why multiple advisors often create tax and planning conflicts
• How IRMAA works and why income thresholds matter for two full years
• The hidden cost of realized gains inside taxable accounts
• When Roth conversions make sense and how they can be blocked by bracket creep
• A simple checklist to audit your advisor relationships and reduce surprises

Chapters
Hook and story set up
Why splitting advisors sounds smart
The $86,000 capital gains surprise
IRMAA and premium surcharges
The Roth conversion opportunity lost
The system problem and your role
What to do next and coordination checklist
Takeaways and next steps

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Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

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STOP Using Multiple Financial Advisors Before You Watch This!
Are multiple financial advisors helping or quietly hurting your plan
In today’s episode Andrew Nida and Moise Piram from Asset Management Group Inc unpack the hidden costs of splitting assets across advisors including surprise capital gains IRMAA surcharges missed Roth conversion windows wash sales and fee creep

We walk through a real case where an $86,000 capital gain from an uncoordinated account triggered higher Medicare premiums derailed tax planning and cost tens of thousands in avoidable drag

What you will learn
• Why diversifying investments is smart but diversifying advisors fragments your strategy
• How IRMAA surcharges and the two year lookback can compound one decision
• The coordination gap that kills Roth conversions tax loss harvesting and withdrawal sequencing
• A simple audit to decide whether consolidation makes sense for you

If you find this helpful like share and subscribe to stay current on financial planning tax planning wealth management and more

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Website: https://www.assetmg-inc.com/
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Blog: https://www.assetmg-inc.com/blog

Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

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Why Are So Many People Losing Jobs in 2025?
More than 150,000 jobs were cut in October 2025 and announced cuts have topped 1.1 million this year. Is this a red flag for the economy or a corporate reallocation story driven by AI and new priorities? In this video, Andrew Nida breaks down what is normal in layoff cycles, why 2025 feels different, how tech and policy fit in, and a step-by-step AMG Get Skinny Plan to protect cash flow, benefits, and retirement options if you are facing a layoff.

What you will learn:
• What is historically normal in layoffs vs. what is happening now
• How reallocation and AI are reshaping roles and paychecks
• When layoffs become a red flag instead of a realignment
• Exactly what to do in the first 72 hours after a layoff
• How to compare COBRA and Marketplace options and protect liquidity
• Retirement distribution and portability rules to know near age 55 to 59½
• How to rebuild your income pipeline without derailing your long-term plan

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Website: https://www.assetmg-inc.com/
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Blog: https://www.assetmg-inc.com/blog

Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

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Big Tech Layoffs 2025: What Families Need Now
Layoffs are not headlines. They are households. In this episode Andrew Nida and Moise Piram break down who is cutting, what it means for income, how AI and tax policy shape the moment, and the exact steps to take if you are laid off or think you might be next.

What you will learn
• Where the cuts are happening and why this wave is different
• Typical pay for impacted roles and what the income hit looks like tomorrow
• How AI spending and current R and E expensing rules affect hiring and investing
• The Get Skinny Plan for days one to three and beyond
• Smart moves on cash flow, health coverage, portfolio risk, and job pipeline

Subscribe for weekly guidance on financial planning, tax planning, and wealth management tailored to high earners and everyday millionaires.

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Website: https://www.assetmg-inc.com/
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Blog: https://www.assetmg-inc.com/blog

Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

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