Presilium Private Wealth

Early success in businesses often relies on the owner being the exceptional "hero," closing the biggest deals and solving the hardest problems. However, this dependence on a single individual can eventually become the biggest limiter of enterprise value, creating uncertainty and concentration risk for potential buyers. In this episode of Building Value, we discuss how to shift from being essential to being strategic by building systems and delegating key processes. Discover the actionable steps you can take today to build a business that can endure beyond its owner.In this episode:• Why being the hero owner can ultimately limit your business's value.• The shift that matters for a successful liquidity or business exit event.• How buyers view concentration risk, not leadership, when one person is essential.• Moving revenue reliance from a single individual to repeatable teams and systems.• Documenting and delegating your primary deal-closing process as an immediate first step.• The opportunity to move from being personally essential to strategically important for growth.• Building team confidence for your business and for a potential future buyer.• Why addressing dependency early drives enterprise value over the next few years.Make a plan to identify one area of revenue dependence and delegate one key process over the next thirty days. By giving yourself permission to make progress, not perfection, you will build lasting value in your business.#businessvalue #enterprisevalue #businessowner #exitstrategy #liquidityevent #delegation #concentrationrisk #businessgrowth #Presilium—Connect With Brook:Brook Hart, CFP®, CEPA®President & CCO, Presilium Private WealthEmail: Brook@presiliumpw.comLinkedIn: linkedin.com/in/brook-hart Meet Brook: https://www.presiliumpw.com/team_member/brook-hart-cfp/---This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

Is today’s AI boom starting to feel like the dot-com era? In this episode, Jerry Davidse compares two “world-changing” moments: the launch of the modern internet (Netscape, December 1994) and the current AI surge that accelerated with ChatGPT in late 2022.Back then, markets delivered incredible gains… yet the path wasn’t smooth. Excitement turned into overconfidence, valuations stretched, and investors learned a painful lesson: great technology doesn’t guarantee great investment results at any price. Jerry uses Cisco’s sky-high valuation near the 2000 peak as a reminder of what can happen when expectations outrun fundamentals.Fast-forward to today: AI is transforming productivity and reshaping industries, but market leadership is concentrated and emotions are running high. History doesn’t say innovation is “bad”, it suggests volatility and rotation often come with it.Key Takeaways:• Two major tech shocks: Netscape (1994) and ChatGPT (2022) changed expectations overnight• Big returns can still be bumpy: Strong markets often include volatility• Valuations matter: Great companies can be poor investments at the wrong price• Concentration risk is real: When a few names drive returns, portfolios can get unbalanced• Innovation often brings rotation: Market leadership can shift quickly• A smarter approach: Diversify, stay disciplined, and rebalance when emotions run highThe takeaway? Don’t ignore AI—but don’t go all-in either. A disciplined, diversified approach can help investors participate in innovation without becoming dependent on a single theme.Want help building a goals-based plan designed for a range of market outcomes? Connect with the team at Presilium.#Investing #AI #StockMarket #Diversification #MarketVolatility--------Connect With Jerry:Jerry Davidse, CFP®CEO, Presilium Private WealthEmail: jerry@presiliumpw.comLinkedIn: https://www.linkedin.com/in/jerrydavidse/Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

Market volatility isn’t a prediction for 2026… It’s a historical reality that appears every single year. Even in years that finish with strong returns, investors experience meaningful pullbacks along the way. In this episode, Jerry Davidse explains long-term S&P 500 data to show why declines are normal, what investors have historically endured to achieve long-term returns, and why preparation matters more than attempting to predict short-term market movements.In this video, you’ll learn:• Why stock market declines occur every year, regardless of how the year ends• How to interpret S&P 500 charts showing annual returns alongside intrayear drawdowns• Why strong market years are rarely smooth• What long-term historical data shows about average S&P 500 returns since 1990• How much volatility investors have historically experienced to achieve those returns• Why most years finish positive despite temporary declines• Why volatility is a normal part of investing, not a sign of market failure• The importance of preparation over prediction in a long-term investment strategy• How disciplined investing can help investors navigate periods of uncertainty• Why emotional reactions to volatility can be more damaging than market declines themselves• What history suggests about discipline, patience, and long-term investingTemporary market declines are expected, but being unprepared can increase stress and lead to poor decisions. Presilium focuses on preparing clients before volatility appears so they can move through market uncertainty with confidence and clarity. Investors who want to review their strategy or better understand how volatility fits into a long-term plan can reach out to the Presilium team for guidance.#StockMarket #MarketVolatility #InvestingEducation #S&P500 #LongTermInvesting #FinancialPlanning #RetirementPlanning #MarketHistory #InvestorDiscipline--------Connect With Jerry:Jerry Davidse, CFP®CEO, Presilium Private WealthEmail: jerry@presiliumpw.comLinkedIn: https://www.linkedin.com/in/jerrydavidse/Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

In this edition of The Big Question, Brook Hart delves into the complexities of RSU taxation for Merck and Big Pharma executives. Discover the tax implications before, during, and after vesting, and learn strategies to manage your tax bill effectively.Before Vesting: No tax impact as RSUs are considered phantom assets.During Vesting: Realize ordinary income based on the current share value.After Vesting: Navigate short-term and long-term gains, with strategies to manage tax exposure.Listen now and please comment below with YOUR Big Question. Until next month, please do not hesitate to reach out and connect below.---Connect With Brook:Brook Hart, CFP®, CEPA®President & CCO, Presilium Private WealthEmail: Brook@presiliumpw.com LinkedIn: linkedin.com/in/brook-hart Meet Brook: https://www.presiliumpw.com/team_member/brook-hart-cfp/ --- This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision. Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional

Most business owners measure success the same way they did in year one: revenue. But when it comes to what your company is actually worth, buyers care far more about reliable cash flow and predictability than top-line sales.In this episode of Building Value, Brook breaks down why two companies can produce the same revenue and still have dramatically different enterprise values—and what you can do about it. You’ll learn the key metrics that create stability, reduce risk, and increase your options as an owner: recurring vs. one-time revenue, gross margin consistency, and customer retention.In this episode:Revenue is a vanity metric if cash flow is inconsistent.Buyers reward businesses with predictable income and lower risk.Two companies can have identical revenue and totally different valuations.Track recurring revenue vs. one-time revenue to understand stability.Gross margin consistency is a signal of control and operational discipline.Customer retention drives repeatability and smoother cash flow.Internal scorecards help you manage the business—not just run it.Clarity in metrics helps you course-correct before problems compound.Better metrics = more options (growth, hiring, pricing, exit, etc.).If you want more clarity, better decision-making, and a business that’s easier to operate (and potentially easier to sell), this episode lays out the practical steps to start tracking what matters.#BusinessValue #CashFlow #Entrepreneurship #BusinessGrowth #BusinessMetrics—Connect With Brook: Brook Hart, CFP®, CEPA®President & CCO, Presilium Private WealthEmail: Brook@presiliumpw.comLinkedIn: linkedin.com/in/brook-hart Meet Brook: https://www.presiliumpw.com/team_member/brook-hart-cfp/---This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

In this episode of The Big Question, Brook Hart delves into the confidence and optimism that guide us through market volatility. Discover the three key strategies that help us navigate downturns: preparation, modesty, and long-term investment in humankind. Join us as we explore how these principles shape our approach to investing and why they inspire excitement about the future.Key Points:Confidence isn't about having all the answers; it's about knowing who we are and the tools we have.Preparation involves staying well-positioned and rebalancing portfolios.Modesty means avoiding unnecessary risks and investing in liquid vehicles.Long-term investment focuses on the best companies and the potential of humankind.Join us as we embrace the journey of innovation and adaptation, looking forward to the strides we'll make in the coming years.#MarketVolatility #InvestmentStrategies #LongTermGrowth--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

In this episode, Presilium explores a counterintuitive investment approach: the "worst investment strategy." We examine a 25-year study that compares this strategy to the more common practice of chasing recent top performers. The findings challenge conventional wisdom on how to potentially improve returns and decrease overall risk in your portfolio. Tune in to see how simple rebalancing can make a significant difference in your long-term financial goals.In this episode:• Understand the "worst investment strategy" and how it selects prior year's laggards.• See the surprising outcomes from a 25-year study comparing two distinct investment strategies.• The popular strategy of chasing winners yielded an average annual return of only 5.3%.• Learn how the worst investment strategy delivered an impressive 9.1% average annual return.• A $1 million worst investment strategy grew to nearly $6 million over twenty-five years.• Regularly rebalancing investment accounts is a practical method to utilize this strategy effectively.• Rebalancing helps decrease overall portfolio risk and improves returns over significant periods of time.If you want to learn more about developing a resilient financial strategy, contact the dedicated team at Presilium. We are committed to helping you stay on track toward your long-term financial goals.#WorstInvestmentStrategy #InvestmentStrategy #Presilium #FinancialPlanning #WealthManagement #Rebalancing #InvestingTips #AssetAllocation--------Connect With Jerry: Jerry Davidse, CFP®CEO, Presilium Private WealthEmail: jerry@presiliumpw.comLinkedIn: https://www.linkedin.com/in/jerrydavidse/ Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

High earners often hit the 401(k) deferral limit early in the year—and then wonder: what’s next? In this episode, Cullen Martin, CFP® breaks down a powerful (and commonly missed) opportunity inside some employer retirement plans: after-tax 401(k) contributions that can be converted to Roth for long-term, tax-free growth (a strategy often called the Mega Backdoor Roth).If your plan allows it, this strategy can help you move tens of thousands of additional dollars per year into Roth status—and over a career, that can add up to millions in potential tax-free compounding. Key TakeawaysTwo key limits matter in your workplace plan:The employee deferral limit (what you personally can defer from salary)The annual additions limit (the total that can go into the plan from all sources)Many high earners max the first limit—but never take advantage of the second.After-tax contributions can fill the gap between what’s already gone into the plan (your deferrals + employer match) and the annual limit. This is the first step toward utilizing the Mega Backdoor Roth strategy.The real “unlock” is the conversion step: after-tax dollars can be converted to Roth, allowing future growth to be tax-free.Missing this strategy can mean leaving tens of thousands per year on the table.If you want help confirming what your specific plan allows and building a simple process to maximize it each year, connect with Cullen Martin, CFP® at Presilium Private Wealth.--------Connect With Cullen: Cullen Martin, CFP®Financial Planner, Presilium Private WealthEmail: Cullen@presiliumpw.comLinkedIn: https://www.linkedin.com/in/cullen-martin-cfp%C2%AE-81218ab2/ Meet Cullen: https://www.presiliumpw.com/team_member/cullen-martin-cfp/--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

After three strong years in a row, I’m heading into 2026 with a more cautious stock market outlook—not pessimistic, just prepared. In this episode, I break down three data-driven reasons for caution and exactly how we think about rebalancing, volatility, and staying positioned for whatever the market delivers.In this video, you’ll learn:• Why the age of the current bull market matters• What history says about year two of the presidential cycle• How elevated stock valuations can change future expectations• Practical rebalancing strategies after strong gains• How retirees can protect income with a smarter “market cushion” approachIf you’re an investor—or you’re already retired—this is a simple framework to help you stay disciplined when the headlines get loud. And don’t forget, we are here for you! If you want help stress-testing your plan for 2026 volatility, reach out to our team to schedule a review.#StockMarket #Investing #MarketOutlook #Rebalancing #FinancialPlanning #RetirementPlanning #Volatility--------Connect With Jerry: Jerry Davidse, CFP®CEO, Presilium Private WealthEmail: jerry@presiliumpw.comLinkedIn: https://www.linkedin.com/in/jerrydavidse/ Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

It’s not just what you earn—it’s what you keep.In this episode of Financial Planning Friday, Jerry Davidse breaks down the "silent wealth killers" in retirement: Taxes. While investment returns get all the headlines, tax planning is often where the battle for long-term wealth is actually won (or lost).Jerry walks through the three most common tax mistakes retirees make—from mismanaging RMDs to accidentally triggering higher Medicare premiums—and explains the strategies you need to protect your hard-earned savings.We discuss:0:00 - Intro: It’s not just what you earn, it’s what you keep0:36 - Mistake #1: Waiting too long to address RMDs1:15 - The "Gap Years": When to do Roth Conversions1:55 - Mistake #2: Accidental Medicare Premium Hikes (IRMAA)2:30 - Mistake #3: Withdrawing from the wrong accounts3:10 - Summary & How to get a Tax Plan ReviewSmart tax planning is about strategy, not just compliance. By acting early to avoid the RMD Trap, you can prevent forced tax spikes later in life. Careful timing also helps you steer clear of the Medicare Cliff, ensuring you don’t accidentally trigger higher premiums. Ultimately, Sequence Matters—pulling from the right accounts in the right order doesn't just lower your tax bill; it helps your money last a lifetime.#RetirementPlanning #TaxPlanning #RMDs #RothConversion #Medicare #FinancialPlanning #WealthManagement--------Connect With Jerry:Jerry Davidse, CFP®CEO, Presilium Private WealthEmail: jerry@presiliumpw.comLinkedIn: https://www.linkedin.com/in/jerrydavidse/Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio---This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

Healthcare can make or break your retirement plan. In this episode of Practical Cents with Cullen Martin, we tackle one of the biggest myths in retirement planning — that you have to wait until age 65 to retire because of health insurance.💡 Cullen explains how healthcare fits into your financial plan, what alternative options exist before Medicare, and how strategic planning with Move Health can open doors to earlier retirement — without sacrificing coverage or peace of mind.You’ll discover practical insights into healthcare eligibility, costs, and coverage—plus how to align these factors with your personal retirement goals so you can stop working sooner and start enjoying life.📊 What You’ll Learn:Why healthcare is a top retirement planning priorityCommon misconceptions about retiring at 65How Move Health helps retirees find personalized healthcare solutionsHow to evaluate coverage options and income eligibilityWays to retire early while maintaining quality healthcareHow advisors integrate healthcare into comprehensive financial plans🎯 Whether you’re five years from retirement or just exploring your options, this episode gives you the clarity and confidence to plan smarter.🔔 Subscribe to Practical Cents with Cullen Martin for weekly insights on financial planning, retirement readiness, and smart money strategies.--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

In this conversation, Jerry Davidse emphasizes the significance of achieving consistent returns in investing rather than focusing solely on high returns. He illustrates how different portfolios with the same average return can yield vastly different outcomes due to volatility. By promoting consistency through diversification, regular rebalancing, and avoiding trendy investments, investors can enhance their long-term financial success.In This Week’s Episode:🧠 It's not just about achieving great returns, it's about achieving consistent returns. 🧠 A portfolio that delivers steady, repeatable growth can make a bigger difference. 🧠 Even with the same average return, volatility can lead to different outcomes. 🧠 Consistency isn't just comforting, it compounds over time. 🧠 Big swings in your portfolio can destroy compounding. 🧠 Diversification helps prevent any single area from derailing your portfolio. 🧠 Rebalancing allows you to buy low and sell high systematically. 🧠 Avoiding trendy investments can lead to steadier returns. 🧠 Consistency may not always be flashy, but it's powerful. 🧠 Long-term investors benefit significantly from a consistent approach.#WealthManagement #FamilyLegacy #FinancialPlanning--------Connect With Jerry:Jerry Davidse, CFP®CEO, Presilium Private WealthEmail: jerry@presiliumpw.comLinkedIn: https://www.linkedin.com/in/jerrydavidse/Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

As you approach age 65, taxes become even more important to your overall financial plan. A new tax act introduces an additional $6,000 deduction for taxpayers aged 65 and older — but qualifying for it isn’t automatic, and the phase-out rules can significantly impact who benefits.In This Episode, We Cover:What the new $6,000 deduction means for taxpayers turning 65 between 2026 and 2028Why the deduction applies whether you itemize or take the standard deductionPhase-Out Income Thresholds (Modified Adjusted Gross Income):Begins: $75,000 (Single) / $150,000 (Married)Fully Phased Out: $175,000+ (Single) / $250,000+ (Married)Why timing your Social Security could impact eligibilityHow Roth conversions can be used strategically before phase-outWhen it may make sense to realize gains by selling appreciated investmentsWhy planning early can dramatically improve long-term outcomesIf You’re Turning 65 in the Next Few YearsThis is the time to:Evaluate when to claim Social SecurityMap out a strategic Roth conversion timelineReview investment diversification and gain harvestingPlan proactively — not reactivelyAnd you don’t have to figure it out alone.Let’s Build Your Long-Term PlanIf you're approaching retirement and want to make sure you're capturing every strategic advantage available: → www.presiliumpw.com/contact-us--------Connect With Cullen: Cullen Martin, CFP®Financial Planner, Presilium Private WealthEmail: Cullen@presiliumpw.comLinkedIn: https://www.linkedin.com/in/cullen-martin-cfp%C2%AE-81218ab2/ Meet Cullen: https://www.presiliumpw.com/team_member/cullen-martin-cfp/--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

Did our predictions for 2025 come true? In this episode of Financial Planning Friday, Jerry Davidse looks back at our "2025 Market Outlook" to see how our three biggest questions stood the test of time.From a historic market crash triggered by new tariffs to the surprising resurgence of international stocks, 2025 was a wild ride. We break down the data, review the S&P 500's performance, and explain exactly how we turned the year's biggest panic into a buying opportunity.In this episode, we cover:The Streak: Did stocks manage to post gains for a 3rd year in a row?Diversification Wins: Why International holdings finally outperformed the US S&P 500.The Crash: How we navigated the largest two-day dollar decline in history following President Trump's tariff announcement.The Opportunity: How rebalancing at the bottom fueled our clients' recovery.Thank you to our 3,400+ new subscribers this year! We are excited to continue this journey with you in 2026.--------Connect With Jerry:Jerry Davidse, CFP®CEO, Presilium Private WealthEmail: jerry@presiliumpw.comLinkedIn: https://www.linkedin.com/in/jerrydavidse/Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

As you’re setting your New Year’s resolutions for 2026, Jerry Davidse breaks down why an updated financial plan matters more than ever—especially if markets stay volatile.Think of your financial plan like GPS: you can reach your destination without it, but it’s harder, takes longer, and usually leads to worse results. In this video, Jerry walks through the four core components Presilium includes in every comprehensive financial plan so you can make decisions with more clarity, confidence, and peace of mind.In This Episode:✅ NET WORTH (Your Starting Point)A current family balance sheet helps you understand where you are today—because you can’t plan the route forward without knowing your exact starting point.✅ INVESTMENT MIX (Risk + Long-Term Returns)Your portfolio allocation drives long-term outcomes and determines the level of risk you’re taking. Getting the balance between growth and stability matters—especially in tough markets.✅ PROBABILITY OF SUCCESS (Clarity Over Emotion)Using historical market data, the team analyzes each goal to show the real-world likelihood of success—helping decisions become more strategic and less emotional.✅ YEAR-BY-YEAR ROADMAP (Confidence-Creating Scenarios)A visual plan from today through retirement and beyond, including scenario testing like: - What if you increase spending in retirement?- How much could you save by converting pre-tax assets to a Roth IRA?If you or someone you care about would benefit from a thoughtful, personalized financial plan, Presilium would be happy to help.#WealthManagement #FamilyLegacy #FinancialPlanning #2026MarketForecast #NewYearsResolutions #InvestmentStrategy #FinancialFreedom #RetirementPlanning--------Connect With Jerry:Jerry Davidse, CFP®CEO, Presilium Private WealthEmail: jerry@presiliumpw.comLinkedIn: https://www.linkedin.com/in/jerrydavidse/Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

Today we’re highlighting one of the most underrated tools in financial planning:👉 The Taxable Brokerage AccountRetirement accounts like 401(k)s and IRAs are great — but taxable brokerage accounts offer flexibility and tax advantages that can give you more control over your financial life.In This Episode, Brian Breaks Down:• Unlimited Contributions No income limits. No contribution caps. Invest what you want, when you want.• Flexible Investment Options Money markets, T-bills, ETFs, mutual funds — your investments can match your time horizon and goals.• Early Retirement Strategy Drawing from a taxable account may help keep taxable income lower, potentially opening the door for Roth conversions in lower-tax years.• Long-Term Capital Gains Benefits Hold investments for 12+ months and gains are generally taxed at long-term capital gains rates, which may be lower than ordinary income tax rates.Key TakeawayA taxable brokerage account isn’t just “extra investing.” It’s a flexible, tax-aware planning tool that can support both near-term goals and long-term retirement strategy.If you'd like to see how this could fit into your financial plan, let’s talk through your situation.👍 Like | 💬 Comment | 🔔 SubscribeIt helps more people find these educational conversations.#Investing #TaxPlanning #RetirementPlanning #CapitalGains #FinancialStrategy--------Connect With Brian: Brian Henrysen Jr., CFP®Financial Planner, Presilium Private WealthEmail: Brian@presiliumpw.comLinkedIn: https://www.linkedin.com/in/brianhenrysenjrMeet Brian: https://www.presiliumpw.com/team_member/brian-henrysen-jr-cfp/--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

Today, we’re digging into one of the most common and most important retirement questions:How much can I safely withdraw each year without running out of money?You may have heard of the 4% Rule, introduced in 1994 by financial researcher William Bengen — but today’s markets, interest rates, and retirement lifestyles look very different than they did then. Which means the right withdrawal strategy needs to be flexible, intentional, and personalized to your life.In this episode, Brian covers:What the 4% Rule Actually Means: Where it came from and why it became a benchmark in retirement planning.Why There’s No One-Size-Fits-All Number: Your withdrawal rate should reflect your income needs, investment strategy, age, and financial goals.Real-World Examples: How different retirees may withdraw 3%, 4%, 5%+ depending on when Social Security starts and how their accounts are structured.The Role of Social Security Timing: Why when you start benefits can change your annual withdrawal needs significantly.Building a Sustainable Withdrawal Strategy: How to align your portfolio, spending, tax planning, and risk tolerance into one coordinated retirement income plan.Key Takeaway: A safe withdrawal rate is not just a math problem — it’s a personal financial decision that should be shaped around your goals, values, spending patterns, and long-term comfort.If you’re approaching retirement or already in it and want to better understand your withdrawal strategy, let’s have a conversation. We can walk through your numbers to help create clarity and confidence in your retirement income plan.Subscribe for more retirement and planning insights.#RetirementPlanning #WithdrawalStrategy #FinancialPlanning #RetirementIncome--------Connect With Brian: Brian Henrysen Jr., CFP®Financial Planner, Presilium Private WealthEmail: Brian@presiliumpw.comLinkedIn: https://www.linkedin.com/in/brianhenrysenjrMeet Brian: https://www.presiliumpw.com/team_member/brian-henrysen-jr-cfp/--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

As we close out the first year of President Trump’s second term, markets have once again proven just how unpredictable they can be. From steep drops to near record highs, volatility has defined the year — but what does history tell us about what comes next?In this episode of Financial Planning Friday, Jerry Davidse, CFP® reviews market trends from past presidential cycles and explains what investors can learn as we move into year two, historically the toughest stretch for stocks.You’ll learn:Why the second year of a presidential term has historically seen the lowest average market returns (around 3%)How volatility in year two often increases — and how to plan for itThe importance of maintaining a diversified, globally balanced portfolioWhy having cash reserves and a rebalancing plan can turn pullbacks into opportunityJerry shares timeless guidance for staying calm, prepared, and strategic through political and market swings — reminding investors that volatility isn’t something to fear, it’s something to plan for.--------Connect With Jerry:Jerry Davidse, CFP®CEO, Presilium Private WealthEmail: jerry@presiliumpw.comLinkedIn: https://www.linkedin.com/in/jerrydavidse/Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio---This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

In this episode, Brook Hart discusses the critical differences between the mindsets of entrepreneurs and employees, emphasizing the need for clarity, structure, and guidance in the workplace. He outlines how leaders can set clear expectations and metrics to enhance employee performance and satisfaction. The conversation highlights the importance of communication and understanding the 'why' behind tasks, ultimately leading to a more scalable and valuable business.In this episode we cover:- Being a business owner and being an employee are two very different skill sets.- Employees need clarity, structure, and guidance to perform well.- Setting clear expectations is crucial for employee success.- Defining what 'great' looks like in each role is essential.- Mapping out an ideal day helps employees understand priorities.- Communication about the 'why' behind tasks increases engagement.- Employees perform better when they understand their roles clearly.- Systems create clarity, accountability, and results in a business.- A clear sense of roles leads to happier and more productive employees.- Investing time in employee input can prevent future issues.You will learn the critical differences between entrepreneur and employee mindsets and why providing structure and clarity is essential for your team's success. Additionally, you’ll discover actionable strategies for setting clear expectations and defining metrics that drive employee performance and build a scalable business.Listen now to learn how time away can build lasting value.---Connect With Brook:Brook Hart, CFP®, CEPA®President & CCO, Presilium Private WealthEmail: Brook@presiliumpw.comLinkedIn: linkedin.com/in/brook-hartMeet Brook: https://www.presiliumpw.com/team_member/brook-hart-cfp/---This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

The season of giving is here, but thanks to upcoming tax law changes taking effect in 2026, when and how you give has never been more critical.In this episode of Practical Cents, Cullen Martin breaks down the new rules for charitable deductions. Whether you itemize your taxes or take the standard deduction, the strategy has shifted. For some, giving in 2025 is the smart move. For others, waiting until January 2026 could save you more money.Watch this before you write that year-end check to ensure your generosity is as tax-efficient as possible.In This Episode, We Cover:00:00 – Intro: Traditions & Tax Law Changes.00:26 – The 2026 Rule for Itemizers: The 0.5% AGI Floor explained.01:17 – Example: How the floor reduces your deduction.01:50 – The 2026 Rule for Standard Deduction: New $1k/$2k limits.02:26 – The "Fine Print": Cash only & no Donor Advised Funds?02:50 – Strategy: Why 2025 is better for DAFs & Stock.03:20 – Strategy: Why 2026 might be better for Cash donors.03:52 – The Philosophy of Giving: Don't let the tax tail wag the dog.04:40 – Pro Tip: Never donate stock at a loss.Completing your gift in 2025 just got a whole lot more important for itemizers. Starting in 2026, you must exceed a "floor" of 0.5% of your Adjusted Gross Income (AGI) before your donations count. If you plan to give big, doing so in 2025 ensures you get credit for the entire amount, not just the excess.#CharitableGiving #TaxPlanning #2026TaxChanges #Philanthropy #WealthManagement #PresiliumPrivateWealth #PracticalCents #YearEndPlanning--------Connect With Cullen:Cullen Martin, CFP®Financial Planner, Presilium Private WealthEmail: Cullen@presiliumpw.comLinkedIn: https://www.linkedin.com/in/cullen-martin-cfp%C2%AE-81218ab2/Meet Cullen: https://www.presiliumpw.com/team_member/cullen-martin-cfp/--------This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.