Toby Mathis, Esq.

06/17/2026

𝐓𝐡𝐞 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 𝐌𝐢𝐬𝐭𝐚𝐤𝐞 𝐓𝐡𝐚𝐭 𝐂𝐨𝐮𝐥𝐝 𝐓𝐫𝐢𝐠𝐠𝐞𝐫 𝐚 𝐌𝐚𝐬𝐬𝐢𝐯𝐞 𝐓𝐚𝐱 𝐁𝐢𝐥𝐥 ⁣
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One of the biggest estate planning mistakes I see is people trying to move their 401(k), IRA, or other retirement accounts into their living trust.⁣
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Don't do it.⁣
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Retirement accounts are already held inside a trust structure. If you retitle one of these accounts into your trust, the IRS may treat it as a full distribution. That can mean immediate taxes, penalties, and a very expensive surprise.⁣
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👉 𝐖𝐚𝐭𝐜𝐡 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐛𝐫𝐞𝐚𝐤𝐝𝐨𝐰𝐧 𝐡𝐞𝐫𝐞: https://aba.link/5815db

06/14/2026

𝐇𝐨𝐰 𝐓𝐨 𝐏𝐚𝐬𝐬 𝐃𝐨𝐰𝐧 𝐒𝐭𝐨𝐜𝐤𝐬 𝐀𝐬 𝐀𝐧 𝐈𝐧𝐡𝐞𝐫𝐢𝐭𝐚𝐧𝐜𝐞 𝐓𝐡𝐞 𝐑𝐢𝐠𝐡𝐭 𝐖𝐀𝐘⁣
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One of the most valuable assets you can leave to your heirs may be an appreciated brokerage account.⁣
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Here's why: Inherited stocks, mutual funds, and similar investments typically receive a step-up in basis at death. That means the cost basis is adjusted to the asset's fair market value on the date of death, potentially eliminating years of built-up capital gains.⁣
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However, if the stock is inherited, the basis generally steps up to the current value, allowing heirs to avoid paying capital gains tax on that $𝟒𝟎𝟎,𝟎𝟎𝟎 of appreciation.⁣
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This is why tax planning matters. The difference between selling appreciated assets before death and passing them on strategically can have a significant impact on the wealth your family ultimately receives.⁣
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𝐖𝐚𝐭𝐜𝐡 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐯𝐢𝐝𝐞𝐨 𝐛𝐫𝐞𝐚𝐤𝐝𝐨𝐰𝐧 𝐡𝐞𝐫𝐞:⁣ https://aba.link/fh2n

06/10/2026

𝐃𝐨𝐧'𝐭 𝐓𝐮𝐫𝐧 𝐘𝐨𝐮𝐫 𝐇𝐒𝐀 𝐈𝐧𝐭𝐨 𝐚 𝐓𝐚𝐱 𝐁𝐨𝐦𝐛 𝐟𝐨𝐫 𝐘𝐨𝐮𝐫 𝐊𝐢𝐝𝐬 ⁣
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Here's the key takeaway about 𝐇𝐞𝐚𝐥𝐭𝐡 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐬 (𝐇𝐒𝐀𝐬): they're one of the most powerful retirement planning tools available, but they may not be the best wealth transfer vehicle for non-spouse beneficiaries.⁣
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Many people focus on growing and preserving their HSA balance for as long as possible. However, if a large HSA is passed to children or other non-spouse heirs, the account can create a significant tax burden when inherited.⁣
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Instead of treating your HSA as an untouchable asset, consider using it for its intended purpose. Pay for qualified medical expenses, dental care, vision costs, Medicare premiums, and eligible long-term care premiums. If you've saved receipts for past qualified expenses, you may even be able to reimburse yourself tax-free.⁣
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Would you like to learn more about protecting your assets and minimizing taxes? 𝐒𝐜𝐡𝐞𝐝𝐮𝐥𝐞 𝐚 𝐟𝐫𝐞𝐞 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧 𝐡𝐞𝐫𝐞 👉⁣ https://aba.link/1e4797
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06/04/2026

𝐓𝐚𝐱 𝐂𝐫𝐞𝐝𝐢𝐭 𝐯𝐬 𝐓𝐚𝐱 𝐃𝐞𝐝𝐮𝐜𝐭𝐢𝐨𝐧 𝐌𝐲𝐭𝐡𝐬⁣
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Most people think tax deductions and tax credits are basically the same thing, but the difference can be massive.⁣
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A tax deduction lowers the amount of income you’re taxed on. A tax credit lowers the actual taxes you owe dollar for dollar.⁣
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Here’s the difference in real numbers: if you’re in the 24% tax bracket, a $2,000 deduction might save you about $480. But a $2,000 tax credit saves you the full $2,000.⁣
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Understanding this distinction can completely change how you approach tax strategy and where you focus your attention when looking for savings.⁣
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👉 Would you like to learn more about minimizing your taxes? Schedule a 𝐟𝐫𝐞𝐞 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧 here: ⁣ https://aba.link/97d00b

05/28/2026

🎤 𝐒𝐩𝐞𝐚𝐤𝐞𝐫 𝐒𝐩𝐨𝐭𝐥𝐢𝐠𝐡𝐭 – Toby Mathis, Esq.

At 𝐃𝐚𝐲 𝟏 of our 𝐓𝐚𝐱 & 𝐀𝐬𝐬𝐞𝐭 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐋𝐈𝐕𝐄 Workshop in Phoenix, Toby shared an important reminder about why planning matters:

“𝘐𝘧 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘩𝘢𝘱𝘱𝘦𝘯𝘴 𝘵𝘰 𝘺𝘰𝘶, 𝘺𝘰𝘶 𝘸𝘢𝘯𝘵 𝘴𝘰𝘮𝘦𝘰𝘯𝘦 𝘵𝘰 𝘣𝘦 𝘢𝘣𝘭𝘦 𝘵𝘰 𝘴𝘵𝘦𝘱 𝘪𝘯 𝘢𝘯𝘥 𝘵𝘢𝘬𝘦 𝘤𝘢𝘳𝘦 𝘰𝘧 𝘵𝘩𝘪𝘯𝘨𝘴.” - Toby Mathis

Real wealth planning isn’t just about building assets.

It’s about making sure your family, business, and investments are protected when life happens.

05/23/2026

𝐀𝐯𝐨𝐢𝐝 𝐓𝐡𝐢𝐬 𝐂𝐨𝐬𝐭𝐥𝐲 𝐆𝐢𝐟𝐭𝐢𝐧𝐠 𝐄𝐬𝐭𝐚𝐭𝐞 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐌𝐢𝐬𝐭𝐚𝐤𝐞 ⁣
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Most people think gifting assets to their kids before they pass is the easiest way to avoid probate.⁣
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But it can create a massive financial mistake.⁣
By gifting the property early, the family may lose the “step-up in basis” — a tax rule that could have erased hundreds of thousands in capital gains taxes after inheritance.⁣
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In trying to avoid probate, they accidentally created a six-figure tax bill.⁣
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👉 𝐖𝐚𝐭𝐜𝐡 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐯𝐢𝐝𝐞𝐨 𝐡𝐞𝐫𝐞: https://aba.link/mre3
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05/07/2026

Unlock a 𝐇𝐢𝐝𝐝𝐞𝐧 $𝟏,𝟓𝟎𝟎 𝐓𝐚𝐱 𝐂𝐫𝐞𝐝𝐢𝐭 with Your Solo 401(k) ⁣
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Did you know your business could qualify for up to $𝟏,𝟓𝟎𝟎 in tax credits—just for setting up the right retirement plan?⁣
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And this isn’t just a deduction…⁣
👉 It’s a tax credit, meaning it directly reduces what your business owes in taxes dollar-for-dollar.⁣
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𝐖𝐚𝐭𝐜𝐡 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐯𝐢𝐝𝐞𝐨: https://aba.link/4a4610

05/01/2026

𝐓𝐡𝐞 #𝟏 𝐀𝐬𝐬𝐞𝐭 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐌𝐢𝐬𝐭𝐚𝐤𝐞 𝟗𝟗% 𝐨𝐟 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬 𝐌𝐚𝐤𝐞 ⁣
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99% of investors are getting this wrong—and it’s costing them more than they realize. One of the most powerful moves you can make as you build wealth is keeping your personal name off your business and real estate assets. ⁣
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That means no personal names on contracts, properties, or public records whenever possible. Smart investors use LLCs and tools like land trusts to create separation and protect themselves, making it much harder for anyone to target them. ⁣
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If you’re serious about building wealth, stop putting a bullseye on your back and start structuring your assets the right way. ⁣
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👉 𝐖𝐚𝐭𝐜𝐡 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐯𝐢𝐝𝐞𝐨 𝐛𝐫𝐞𝐚𝐤𝐝𝐨𝐰𝐧 𝐡𝐞𝐫𝐞: https://aba.link/88bacd

04/22/2026

“𝐃𝐚𝐝… 𝐈 𝐞𝐚𝐫𝐧𝐞𝐝 $𝟓𝟎. 𝐖𝐡𝐲 𝐝𝐢𝐝 𝐈 𝐨𝐧𝐥𝐲 𝐠𝐞𝐭 $𝟑𝟓?” 😅⁣
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Welcome to your first lesson in 𝐰𝐢𝐭𝐡𝐡𝐨𝐥𝐝𝐢𝐧𝐠 𝐭𝐚𝐱𝐞𝐬.⁣
In this hilarious (and painfully accurate) breakdown, Toby explains taxes the way we all wish we learned them—through a real-life convo between a dad and his son.⁣
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From “where did my money go?”⁣
to “you have to file a form to get it back…”⁣
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It’s funny… until you realize how true it is.⁣
If you’ve ever wondered how withholding, taxes, and the system actually work—this is a must-watch.⁣
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03/25/2026

𝐖𝐡𝐚𝐭 𝐝𝐨 𝐭𝐡𝐞 𝐮𝐥𝐭𝐫𝐚-𝐰𝐞𝐚𝐥𝐭𝐡𝐲 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐝𝐨 𝐭𝐨 𝐦𝐢𝐧𝐢𝐦𝐢𝐳𝐞 𝐭𝐚𝐱𝐞𝐬 𝐚𝐧𝐝 𝐛𝐮𝐢𝐥𝐝 𝐥𝐚𝐬𝐭𝐢𝐧𝐠 𝐰𝐞𝐚𝐥𝐭𝐡?

In this featured podcast, 𝐓𝐨𝐛𝐲 𝐌𝐚𝐭𝐡𝐢𝐬 breaks down the real strategies high-income earners and investors are using right now.
Inside the conversation:

✔️ Why HSAs are one of the most overlooked tax tools
✔️ How the “buy, borrow, die” strategy actually works
✔️ The truth behind “paying zero taxes”
✔️ Why smart diversification beats chasing trends
✔️ How to think about legacy planning—at any stage

If you’re serious about keeping more of what you earn and building long-term wealth, this is a must-watch.

👉 𝐖𝐚𝐭𝐜𝐡 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐩𝐨𝐝𝐜𝐚𝐬𝐭 𝐡𝐞𝐫𝐞:
https://www.youtube.com/watch?v=9RXthy7wNgI

What do the ultra-wealthy actually do to minimize taxes, build wealth, and protect their legacy?In this interview, I sit down with Toby Mathis () ...