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Money On Tap

Money On Tap

By: Ben Brayshaw & Seth Krussman
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About this listen

 Money on Tap is your resource for building a smarter, more confident financial future. Hosted by the partners at Brayshaw Financial Group, this weekly podcast breaks down complex financial topics into practical, real-world strategies you can actually use. From retirement income planning and tax-efficient investing to market insights, insurance strategies, and wealth-building principles, each episode is designed to help you make better financial decisions with clarity and confidence. At Money on Tap, we believe financial planning is not just about growing your money—it’s about how you use it. That’s why we focus on what we call three-dimensional investing:
  • Insurance
  • Brokerage
  • Fee-based planning
Together, these form a comprehensive approach to managing risk, creating income, and building long-term financial security. Whether you’re approaching retirement, already retired, or simply looking to take greater control of your finances, this podcast delivers insights to help you:
  • Reduce taxes
  • Create sustainable retirement income
  • Navigate market uncertainty
  • Protect what you’ve built
  • Make informed financial decisions
Because at the end of the day, it’s not just about how much you have—it’s about how well your plan works.Copyright Seth Krussman & Ben Brayshaw Economics Personal Finance
Episodes
  • Tax Filing Is History, Tax Planning Is Control: How to Stop Overpaying the IRS Every April

    Tax Filing Is History, Tax Planning Is Control: How to Stop Overpaying the IRS Every April
    Apr 24 2026
    Tax filing reports what already happened. Tax planning is what puts you back in control.If you just finished paying your 2025 taxes and you're wondering how the bill got that big, this week's Money On Tap is for you.Ben Brayshaw and Dan Michelon walk through the year-round tax strategies most investors — and most financial advisors — are quietly missing. From bracket management and income engineering to real estate depreciation, solo 401(k) contributions, charitable trusts, and the often-overlooked Augusta Rule, this is a working playbook for keeping more of what you earn.What you'll learn:
    • Why tax planning beats tax filing every year — and what most advisors skip
    • How to engineer your income to stay in a lower bracket without changing your lifestyle
    • The difference between one-off Roth conversions and a real 10-year Roth strategy
    • Real estate deductions, cost segregation, and the Augusta Rule explained
    • Solo 401(k) vs SEP IRA — and why business owners routinely leave $30K+ on the table
    • Charitable remainder trusts: the tax strategy almost nobody talks about
    • Why today's 37% top federal bracket is historically low — and what that means for your retirement plan
    Plus Money In The News:
    • Google's $10M commitment to train American manufacturing workers on AI
    • The cost to raise a child in the US now tops $300,000
    • South Hadley, MA rejects a 50% property tax hike by a 2-to-1 vote
    Read the companion blog: brayshawfinancial.com/blog
    Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
    Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
    Phone: 855-226-8551
    Email: info@yourmoneyontap.com
    Office: 116 South River Road, Bedford, NH 03110
    Web: brayshawfinancial.com

    • What is the difference between tax filing and tax planning? Tax filing is reporting last year's income and paying the tax you owe. Tax planning is a year-round strategy that uses the tax code intentionally — through bracket management, deductions, retirement contributions, and income engineering — to legally reduce future tax liability and protect long-term wealth.
    Show More Show Less
    56 mins
  • Market Myths That Cost You Money: The 10 Wall Street Lies Quietly Wrecking Your Returns

    Market Myths That Cost You Money: The 10 Wall Street Lies Quietly Wrecking Your Returns
    Apr 18 2026
    If you missed just the 10 best days in the market over the last 25 years, you would have cut your returns nearly in half. Miss the best 30 days, and you might as well have left the money in a money market. Miss the best 50 days, and you are actually losing money. That is the cost of a market myth. In this week's Money On Tap, Ben Brayshaw and Dan Michelon break down the most common — and most expensive — market myths that quietly erode investor wealth: "Sell in May and go away," "now is the wrong time to invest," "cash is safer than stocks," "investing is just legalized gambling," "more holdings means better diversification," "gold is a safe haven," "bonds are risk free," and more. With hard numbers, clear analogies, and three decades of planning experience between them, Ben and Dan sort fact from folklore — and lay out a disciplined, statistics-backed approach to growing and protecting your money. You will learn:
    • Why missing the market's best 10 days can cut your long-term returns in half
    • Why lump-sum investing beats dollar-cost averaging 67-75% of the time
    • How a $100,000 in cash since 1992 compares to the same $100,000 in the S&P 500
    • Why 2,900 holdings may actually be less diversified than 500
    • The truth about gold, bonds, and "safe" investments
    • How a $50-per-month investor can still build real wealth
    Plus "Money In The News":
    • NAHB home builder sentiment drops to a 7-month low amid material, labor, and oil pressures
    • Trump Accounts sign up 5 million kids — with community sponsorship changing the game
    • March CPI surges 0.9% as the Iran conflict reshapes the inflation outlook
    Resources & Links
    • Website: https://www.brayshawfinancial.com/
    • Money On Tap podcast hub: https://www.brayshawfinancial.com/money-on-tap
    • Full Money On Tap episode library: https://www.brayshawfinancial.com/money-on-tap-podcast-content
    • Read the companion blog: https://www.brayshawfinancial.com/blog
    • Our planning process: https://www.brayshawfinancial.com/our-process
    • Schedule a free consultation: https://www.brayshawfinancial.com/contact


    Related Episodes:
    • Retirement distribution strategy: how to keep more of your income → https://www.brayshawfinancial.com/money-on-tap
    • The difference between accumulation and distribution → https://www.brayshawfinancial.com/money-on-tap
    • Tax-smart investing and why most investors overpay → https://www.brayshawfinancial.com/money-on-tap
    • How to vet a financial advisor (the questions that matter) → https://www.brayshawfinancial.com/money-on-tap

    Contact Us
    • Phone: 855-226-8551
    • Email: info@yourmoneyontap.com
    • Office: 116 South River Road, Bedford, NH 03110
    • Web: brayshawfinancial.com


    • What is the difference between tax filing and tax planning? Tax filing is reporting last year's income and paying the tax you owe. Tax planning is a year-round strategy that uses the tax code intentionally — through bracket management, deductions, retirement contributions, and income engineering — to legally reduce future tax liability and protect long-term wealth.
    Show More Show Less
    56 mins
  • Generation Roth: Why Tax-Free Retirement Strategies Matter Now

    Generation Roth: Why Tax-Free Retirement Strategies Matter Now
    Apr 12 2026
    Are today’s tax rates the lowest you’ll ever see in your lifetime?
    In this episode of Money on Tap, we introduce the concept of “Generation Roth”—a powerful shift in retirement planning focused on building tax-free income in a world where taxes are likely to rise.
    For decades, traditional retirement planning has relied on tax-deferred strategies like 401(k)s and IRAs. But with growing national debt, changing tax policy, and increasing retirement complexity, that approach may no longer be enough.
    In this episode, you’ll learn:
    • Why today’s tax environment may be historically low
    • How rising national debt could impact future tax rates
    • The truth about being in a “lower tax bracket” in retirement
    • What a Roth IRA is and why it matters now more than ever
    • How Roth strategies create tax-free income
    • Options for high-income earners who can’t contribute directly to a Roth
    • The role of Roth conversions and advanced planning strategies
    • The concept of “tax diversification” in retirement planning
    • How to think about retirement as an income system—not just a savings goal
    This episode is designed for anyone who wants to take greater control over their financial future and build a more tax-efficient retirement strategy.
    Because retirement isn’t just about how much you have—it’s about how much you keep.
    🎧 Listen now and learn how to position yourself for a more secure and flexible retirement.
    ---
    📅 Schedule a Retirement Strategy Session:
    https://app.greminders.com/t/9f3ce72e/initialconsulta
    📞 Call: 855-226-8551
    📧 Email: info@yourmoneyontap.com
    ---
    Money on Tap is your personal finance headquarters, bringing together insurance, brokerage, and fee-based planning to help you make smarter financial decisions.
    Subscribe for weekly insights on retirement planning, investing, and financial independence.


    • What is the difference between tax filing and tax planning? Tax filing is reporting last year's income and paying the tax you owe. Tax planning is a year-round strategy that uses the tax code intentionally — through bracket management, deductions, retirement contributions, and income engineering — to legally reduce future tax liability and protect long-term wealth.
    Show More Show Less
    56 mins
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