MedSpa Money Matters is your go-to resource for mastering the financial side of MedSpa ownership. Hosted by Scott Wisniewski and Jonny McMullen, this podcast is designed to bring clarity to your finances so you can focus on growing your business.
From financial planning, bookkeeping and taxes to fractional CFO services, Scott and Jonny provide expert insights to help you navigate the unique challenges of running a MedSpa. Whether you want to improve profitability or simply make sense of your numbers, this podcast offers the education and guidance you need to succeed.
Join the conversation and start making empowered financial decisions today—because organized finances lead to a thriving MedSpa. Inject financial simplicity and organization into your MedSpa, with a new episode of MedSpa Money Matters every Tuesday.
Ep 85: Before You Convert That IRA, Figure Out Who the Money Is Actually For
Roth conversions are often treated like an automatic win, especially once income drops in retirement. But the better question isn't just whether you can convert at a lower tax rate — it's whether converting those dollars actually improves the end result.
In this episode, we're looking at how the intended use of your retirement assets can completely change the strategy. Sometimes the biggest opportunity isn't converting more, but understanding which dollars should stay exactly where they are.
WHAT YOU'LL LEARN:
Why a Roth conversion can mean voluntarily paying tax you never would have owed.
The three-bucket framework that changes how you look at your retirement accounts.
How a $50,000 charitable gift can lose $12,000 to taxes, and the simple way to avoid it.
What separates two retirees with identical $4 million IRAs.
When an aggressive Roth conversion strategy is still the right move.
RESOURCES MENTIONED:
MedSpaFinancial.com (https://medspafinancial.com/)
1 Oct 2026
Ep 84: K-1s, REITs, and the Real Cost of Alternative Investments
Alternative investments often look especially attractive to high earners because they promise something traditional portfolios don't—different return streams, unique tax treatment, and access to opportunities outside the public markets. But the structure behind those investments can matter just as much as the return being advertised.
In this episode, we're breaking down where the real advantages are, where the complexity starts to show up, and what should actually drive the decision before tax benefits enter the conversation.
WHAT YOU'LL LEARN:
Why a K-1 can show a large capital gain even when you never sold anything.
How a profitable property can pay you cash and still report a tax loss.
What happens to K-1 losses you can't use right away.
How a mortgage REIT can earn a deduction most high earners assume they've lost.
What new risks you may be taking on when a private deal is pitched as diversification.
RESOURCES MENTIONED:
MedSpaFinancial.com (https://medspafinancial.com/)
17 Sept 2026
Ep 83: Are Bonds Broken? What the Worst Decade in Treasuries Really Means
For years, bonds were viewed as the boring, dependable part of a portfolio—but the last decade has challenged that assumption in a big way. What happened exposed risks many investors never really thought about, while also creating a very different opportunity set today.
In this episode, we'll look at what changed, why it matters, and how investors should think about bonds going forward.
WHAT YOU'LL LEARN:
Why "safe" refers to credit risk, not day-to-day price stability.
How duration measures a bond's sensitivity to changes in interest rates.
What caused long-term Treasuries to lose 20-30% or more over the past decade.
How today's 5% long-term yields change the math for new bond buyers.
How to match bond duration to the job you need that money to do.
RESOURCES MENTIONED:
MedSpaFinancial.com (https://medspafinancial.com/)
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5.0 / 5
7 ratings
Podcast Authority Score: 42 / 100
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