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Money On Tap

Money On Tap

By: Ben Brayshaw & Seth Krussman
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Hi, and welcome to "Money on Tap", your personal finance headquarters where we bring out the professionals, experience, and some fun in what we call 3 dimensional investing; utilizing insurance, brokerage, and fee-based planning. We believe all investments have merit, all investments have relevance and all investments have their time and place, depending on your goals and appetite for risk.

On a weekly basis "Money on Tap" airs live in New England and is rebroadcast multiple times, as well as available on podcast. Our goal is to educate and debate the current relevant financial issues facing today's investors. As planners with Brayshaw Financial Group, LLC, we have over a century of experience among our planners, and find that many people simply cannot engage in healthy and constructive financial planning relationships due to the magnitude of the industry as a whole. As we educate and debate current topics and relate them to everyday concerns, we will help empower you to feel more confident and more aware as an investor.

Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.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.comMoney On Tap Economics Personal Finance
Episodes
  • The Great Wealth Transfer: Will Your Family Be Ready? $124 Trillion Is About to Change Hands

    The Great Wealth Transfer: Will Your Family Be Ready? $124 Trillion Is About to Change Hands
    Jun 25 2026
    By 2048, an estimated $124 trillion will change hands — the largest transfer of wealth in human history. Roughly $105 trillion to heirs, $18 trillion to charity. And here’s the uncomfortable truth: about 70% of family wealth disappears by the second generation, and 90% is gone by the third.In this week’s Money On Tap, Ben Brayshaw and Dan Michelon dig into what the great wealth transfer really means — not for the economy, but for your family. They unpack why wealth preservation is far more behavioral than investment-driven, what the Vanderbilts got wrong and the Rockefellers got right, and the Warren Buffett principle every parent and grandparent should know. Most importantly, they walk through the four conversations every family needs to have before the money moves — and the simple first step you can take this week.What you’ll learn:
    • Why $124 trillion in motion could be a generational blessing — or a great wealth disaster
    • The statistic that should stop every family cold: 70% gone by generation two, 90% by generation three
    • Why wealth preservation is behavioral, not investment-driven
    • The tale of two fortunes: Vanderbilt vs. Rockefeller
    • The four conversations every family must have before the transfer
    • A practical first step you can take this week — and the BFG white paper that helps you run your own family meeting
    Plus Money In The News:
    • General Motors and Lockheed Martin announce a new multi-billion-dollar defense manufacturing partnership
    • Jeff Bezos proposes eliminating federal income taxes for the bottom half of U.S. earners — and what it would actually mean
    • “The job interview is broken”: how AI is reshaping hiring on both sides of the table
    Read the companion blog: https://www.brayshawfinancial.com/blog Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact Us - Phone: 855-226-8551 - Email: info@yourmoneyontap.com - Office: 116 South River Road, Bedford, NH 03110 - Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc.

    • Why does so much inherited wealth disappear?
      About 70% of family wealth is gone by the second generation, and roughly 90% by the third. The cause is overwhelmingly behavioral — poor communication, weak stewardship, and heirs who were never prepared — not bad investments. Families who beat the odds talk openly about values and prepare their heirs long before any money changes hands.
    Show More Show Less
    56 mins
  • Retirement Redzone, The Last Mile

    Retirement Redzone, The Last Mile
    Jun 15 2026
    Ten straight up weeks, then a sharp pullback — and if you’re two to five years on either side of retirement, the fear is real. This is the Retirement Red Zone: the last mile into and out of your retirement date, and the most fragile window in your entire financial life.This week on Money On Tap, Ben Brayshaw and Dan Michelon turn last week’s market-history conversation into a practical playbook for anyone near retirement: how to avoid the paralysis that wrecked so many retirements in 2008–2009, and what to actually do right now.What you’ll learn:
    • Why a 35-year-old and a 65-year-old should do the opposite thing in a pullback
    • The accumulation-to-distribution switch most people don’t know exists
    • What history says: after 40 sharp selloffs since 1980, markets were higher 75% of the time a year later
    • Sequence-of-returns risk — why the first five years decide everything
    • Building a 1–3 year retirement runway with ~4% cash and T-bills
    • Rebalancing a 60/40 that drifted to 75/25
    • Diversifying away from a top-10 that’s now 40% of the S&P (8 of them tech)
    • Buffered ETFs — a 20% buffer with a 12–15% cap, explained
    • Foundational income, annuities, and the tax-aware withdrawal piece most firms skip
    Plus Money In The News:
    • Consumer prices rose 4.2% annually in May — the highest in three years (CNBC, Jeff Cox)
    • Elon Musk poised to become the first trillionaire — and just how much a trillion dollars really is
    • A top JP Morgan strategist’s four ways to prep your portfolio for “considerable danger” (David Kelly)
    Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.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

    • Why does so much inherited wealth disappear?
      About 70% of family wealth is gone by the second generation, and roughly 90% by the third. The cause is overwhelmingly behavioral — poor communication, weak stewardship, and heirs who were never prepared — not bad investments. Families who beat the odds talk openly about values and prepare their heirs long before any money changes hands.
    Show More Show Less
    56 mins
  • Risk, Reward, & Record Highs

    Risk, Reward, & Record Highs
    Jun 11 2026
    Nearly every major index is at a record high — and everyone’s asking the same question: is this the beginning of something great, or the end of something that’s gone too far?This week on Money On Tap, Ben Brayshaw and Dan Michelon take that question apart with 75 years of market history, a few statistics that genuinely surprised them, and a clear look at what a record high means for you — whether you’re decades from retirement or already drawing income.What you’ll learn:
    • The Fidelity data showing investing at an all-time high beats investing on a random day
    • Why a record high is usually a signal of a healthy economy, not a top
    • A walk through 1982, 1987, 1995–1999, 2000, 2009, and 2020
    • Why today’s AI market looks more like 1995 than the 2000 dot-com bubble
    • Why timing the market is a loser’s game — and why taking profits isn’t fear
    • Sequence-of-returns risk — why the first years of retirement decide everything
    • Buffered ETFs — staying in the market with downside guardrails
    • Annuities with lifetime income and long-term-care riders
    Plus Money In The News:
    • American financial literacy hits a 10-year low — U.S. adults answered just 47% of the TIAA Institute’s 2026 questions correctly (Yahoo Finance, Kerry Hannon)
    • America’s data-center build-out falls behind schedule — Google’s $80B equity raise and what it signals about AI’s real cost (WSJ, Katherine Blunt)
    • Exxon chief warns oil could spike to $160–$170 a barrel as strategic reserves run thin (Fox Business, Robert McGreevy)
    Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.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

    • Why does so much inherited wealth disappear?
      About 70% of family wealth is gone by the second generation, and roughly 90% by the third. The cause is overwhelmingly behavioral — poor communication, weak stewardship, and heirs who were never prepared — not bad investments. Families who beat the odds talk openly about values and prepare their heirs long before any money changes hands.
    Show More Show Less
    56 mins
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