Beyond Buy and Hold: Using 1031 Exchanges in Financial Planning - Rich Arzaga, CFP®, CCIM [Founder]

Beyond Buy and Hold: Using 1031 Exchanges in Financial Planning - Rich Arzaga, CFP®, CCIM [Founder]

From Smarter Planner Podcast by Financial Planning Association National Capital Area Chapter

April 1, 2026 · 25 min

About this episode

Rich Arzaga discusses the importance of 1031 exchanges in financial planning and how real estate can be an active planning opportunity.

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, welcomes Rich Arzaga, CFP®, CCIM, founder of Real Estate Whisperer Financial Planning. Rich specializes in helping clients and advisors better understand how real estate fits into a comprehensive financial plan. With real estate representing a significant portion of household wealth in the U.S., he highlights a critical gap: many financial plans treat real estate as a static asset rather than an active planning opportunity. In this conversation, Rich breaks down the fundamentals of 1031 exchanges and explains how they can be used to defer taxes when transitioning from one investment property to another. Key topics- What a 1031 exchange is—and how it differs from other "exchange" strategies When a 1031 exchange may be appropriate for clients The tax implications of selling investment property without a strategy Key rules advisors should understand, including timing requirements and property guidelines The concept of "boot" and how partial exchanges are taxed How clients can transition from active real estate management to more passive investments The importance of identifying tax exposure before recommending…

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