Most people think refinancing is about timing interest rates. It’s not. It’s about preparation.

In this episode of 2026: The Year to Advance (Part 2), Mo and Andrew break down what it actually means to be refinance ready. Instead of chasing headlines or hoping rates drop, they walk through a practical readiness playbook designed for high-income households and business owners who want flexibility, leverage, and better long-term outcomes.

You’ll learn why cash-flow resilience matters more than a lower rate, how underwriting readiness determines who gets the best terms, and why decision rules prevent costly mistakes when the window opens. They also cover common debt structure traps, what lenders really do when rates fall, and how business owners should think about the purpose of capital in a changing rate environment.

This is not a “refinance now” episode and it’s not a “wait for perfect rates” episode. It’s about positioning. When you are prepared, you can move quickly without being reckless and hold with confidence when the math doesn’t work.

If 2026 is your year to advance, this episode will help you stop reacting to rates and start making intentional, strategic decisions.

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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.

2026 could be your opportunity window. In this episode, we break down why this year may be a turning point for wealthy families and business owners — and why you’ll likely look back either grateful you took action or frustrated you waited.

We talk about what’s driving the rate conversation (and why “waiting for the perfect time” can be just another form of market-timing), how to run the refinance and move-up math the right way, and why lower rates won’t fix a fragile financial plan. We also unpack the “teaser” offers financial institutions will push hard, what a real win actually looks like, and how falling borrowing costs could impact housing, new builds, and business expansion.

Finally, we zoom out: risk posture, adaptability, and AI. Because the companies that win the next cycle won’t be the ones who wait — they’ll be the ones who move with wisdom and speed.

If you’re a high-income earner, business owner, or CFO of your household — this one is for you.

Key topics:

Why 2026 could be a decision year
Rate cuts, Fed leadership shifts, and what to watch
Refi vs. wait: stop guessing and run the math
Why the foundation matters more than the rate
Spotting “teaser” offers vs real value
Housing and affordability if rates fall
Business capital moves: refinance, expand, invest
Risk, longevity, and the danger of playing it too safe
AI as a cross-functional advantage (speed, ops, acquisition)

Next step: If you want help pressure-testing your plan, reach out or book a strategy call.

Disclaimer: This content is for education only and is not financial, tax, or legal advice.
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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.

Most investors obsess over market dips… while ignoring the quiet leak that compounds for decades: taxes. In this episode, Andrew breaks down how “tax drag” can shrink your long-term wealth more than volatility, why tax-deferred isn’t tax-free, and the 3 most common mistakes that trigger unnecessary tax bills (rebalancing, concentrated stock, and the NIIT/Medicare surtax ambush). Then we give you the playbook: asset location, systematic tax-loss harvesting, and Roth strategies high earners can use to build real tax flexibility.

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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.

A proposed one-year 10% cap on credit card APR sounds consumer-friendly—but banks don’t do charity, they do math. In this episode, we break down what the proposal actually is, what would have to happen for it to become law, and where the real costs would likely move: rewards, fees, underwriting, and business credit lines.

If you’re a high earner or business owner who pays cards off monthly, this isn’t about “saving interest”—it’s about what could change in the system you use every day. Plus, a practical playbook for what to watch and what to do if this becomes a serious legislative push.

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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.

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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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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