Episodi

  • The Railroads of Space: SpaceX, Rocket Lab, and How to Invest the New Space Economy

    The Railroads of Space: SpaceX, Rocket Lab, and How to Invest the New Space Economy
    May 3 2026
    Space just became an asset class. Q1 2026 alone saw $36 billion deployed — and the SpaceX IPO could be the first trillion-dollar offering in history.This week on Money On Tap, Ben Brayshaw and Dan Michelon walk through what they're calling the railroads of space — the picks-and-shovels companies quietly building the rails that everything else will ride on.What you'll learn:
    • Why the SpaceX IPO is the single biggest catalyst hanging over the entire sector
    • The three investable layers: access · infrastructure · application & data
    • A walk-through of the public names already in motion — RKLB, ASTS, IRDM, PL, RDW
    • Where robotics fits — and why Honeybee Robotics and Redwire matter more than people think
    • The four real risks: capital intensity, government dependence, boom-bust speculation, and SpaceX disruption
    • Why an actively managed space-themed ETF may be the most prudent way for retail investors to participate
    Plus Money In The News:
    • Active ETFs cross $1 trillion — and why the cost trade-off is worth it for many investors
    • Round Hill's DRAM ETF pulls $1B in 10 days, giving U.S. investors backdoor access to Samsung and SK Hynix
    • $4 gas drives consumer confidence to a record-low 47.6% — lower than 2008 — and inflation expectations climb toward 4.8%
    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 "picks and shovels" approach to space investing? The picks-and-shovels approach focuses on the suppliers, infrastructure providers, and service companies that support a fast-growing industry — rather than betting on a single headline name. In space, that means owning the makers of satellites, components, ground networks, robotics, and data services that profit no matter which rocket company ultimately wins.
    Mostra di più Mostra meno
    56 min
  • 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 "picks and shovels" approach to space investing? The picks-and-shovels approach focuses on the suppliers, infrastructure providers, and service companies that support a fast-growing industry — rather than betting on a single headline name. In space, that means owning the makers of satellites, components, ground networks, robotics, and data services that profit no matter which rocket company ultimately wins.
    Mostra di più Mostra meno
    56 min
  • 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 "picks and shovels" approach to space investing? The picks-and-shovels approach focuses on the suppliers, infrastructure providers, and service companies that support a fast-growing industry — rather than betting on a single headline name. In space, that means owning the makers of satellites, components, ground networks, robotics, and data services that profit no matter which rocket company ultimately wins.
    Mostra di più Mostra meno
    56 min
  • 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 "picks and shovels" approach to space investing? The picks-and-shovels approach focuses on the suppliers, infrastructure providers, and service companies that support a fast-growing industry — rather than betting on a single headline name. In space, that means owning the makers of satellites, components, ground networks, robotics, and data services that profit no matter which rocket company ultimately wins.
    Mostra di più Mostra meno
    56 min
  • The Science of Retirement Income: How to Create Income Alpha and Reduce Taxes in Retirement

    The Science of Retirement Income: How to Create Income Alpha and Reduce Taxes in Retirement
    Apr 4 2026
    Are you unknowingly losing thousands of dollars in retirement taxes?
    In this episode of Money on Tap, we break down the science of retirement income and how to create “income alpha”—keeping more of what you’ve already earned.
    Many retirees focus on growing their portfolio, but the real opportunity lies in tax efficiency, withdrawal strategy, and income planning.
    In this episode, you’ll learn:
    • How retirement income is taxed (and why most people overpay)
    • The hidden impact of RMDs and Social Security taxation
    • What “income alpha” means and how to create it
    • Roth IRA strategies and tax-free income planning
    • The truth about the widow’s tax trap and how to prepare
    • How charitable strategies can reduce your tax burden
    • Why tax planning can increase retirement income by 20–30%
    Retirement is not about how much you have—it’s about how efficiently you use it.
    📞 Schedule a Retirement Strategy Session:
    https://app.greminders.com/t/9f3ce72e/initialconsulta
    📧 Contact us: info@yourmoneyontap.com
    📞 Call: 855-226-8551
    Subscribe for more insights on retirement planning, investing, and financial independence.


    • What is the "picks and shovels" approach to space investing? The picks-and-shovels approach focuses on the suppliers, infrastructure providers, and service companies that support a fast-growing industry — rather than betting on a single headline name. In space, that means owning the makers of satellites, components, ground networks, robotics, and data services that profit no matter which rocket company ultimately wins.
    Mostra di più Mostra meno
    56 min
  • Global Conflict, Strategic Protection

    Global Conflict, Strategic Protection
    Mar 28 2026
    • What is the "picks and shovels" approach to space investing? The picks-and-shovels approach focuses on the suppliers, infrastructure providers, and service companies that support a fast-growing industry — rather than betting on a single headline name. In space, that means owning the makers of satellites, components, ground networks, robotics, and data services that profit no matter which rocket company ultimately wins.
    Mostra di più Mostra meno
    56 min
  • The New Triangle of Safety, Yield, Liquidity, and Lifetime Income

    The New Triangle of Safety, Yield, Liquidity, and Lifetime Income
    Mar 21 2026
    • What is the "picks and shovels" approach to space investing? The picks-and-shovels approach focuses on the suppliers, infrastructure providers, and service companies that support a fast-growing industry — rather than betting on a single headline name. In space, that means owning the makers of satellites, components, ground networks, robotics, and data services that profit no matter which rocket company ultimately wins.
    Mostra di più Mostra meno
    56 min
  • The Retirement Income Crisis

    The Retirement Income Crisis
    Mar 14 2026
    • What is the "picks and shovels" approach to space investing? The picks-and-shovels approach focuses on the suppliers, infrastructure providers, and service companies that support a fast-growing industry — rather than betting on a single headline name. In space, that means owning the makers of satellites, components, ground networks, robotics, and data services that profit no matter which rocket company ultimately wins.
    Mostra di più Mostra meno
    56 min