The MedTech Wealth Advisor Podcast

The conversation provides an in-depth analysis of the Q4 2026 market outlook, discussing key factors influencing market performance, including bond yields, inflation, and the impact of AI investments. The speakers emphasize the importance of earnings in driving market trends and the strategic adjustments being made in client portfolios to navigate current economic conditions.TakeawaysMarket remains on trackEarnings drive market trendsChapters00:00 Introduction to Market Update01:08 2026 Market Performance Review03:11 Flat Market Dynamics05:02 Inflation and Interest Rates06:50 The Importance of Earnings07:53 AI Investments and Market Sustainability09:56 Speculation and Corporate Responsibility11:17 Portfolio Strategies and Adjustments12:43 Gold as a Hedge Investment14:10 Conclusion and Future Outlook

A $43,000 surprise tax bill turned into a triple win & here’s exactly how we did it… When an unexpected bonus creates a massive tax problem, most high earners simply write the check and move on. But what if that problem could become an opportunity? In this case study, we walk through a real pattern I see regularly: a high earner with RSUs and ESPP shares facing significant underpayment penalties, underwater company stock sitting idle, and years of charitable giving with no real strategy behind it. By coordinating three moves—tax loss harvesting, a Donor Advised Fund contribution, and strategic portfolio rebalancing—we eliminated penalties, cut the tax bill by over $20,000, diversified concentrated holdings, and built a multi-year charitable giving plan. This isn’t about one clever trick. It’s about seeing how the pieces connect and acting before year-end when the strategies still work. If you have stock compensation and you’ve had a higher income year than expected, this is the kind of planning that changes everything.   Schedule a free Vision Call with our team → https://www.perspective6wealthadvisors.com/matt/   Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products, or services mentioned here are independent of Savvy Advisors, Inc.   #StockCompensation #TaxPlanning #RSUs #FinancialPlanning #RetirementPlanning

Wondering if you’re handling your stock compensation taxes correctly? Let’s build a strategy tailored to your equity → https://www.perspective6wealthadvisors.com/matt/ Stock Compensation Tax Form Checklist → https://perspective6wealthadvisors.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide → https://perspective6wealthadvisors.com/espp-guide/   If you received RSUs, stock options, or ESPP shares in 2025, tax season just got complicated. Most high earners with equity compensation make one critical mistake: they end up paying taxes twice on the same income because they don’t understand basis adjustments. In this video, we break down: Your tax filing timeline for 2026—when documents arrive and what deadlines matter The exact forms you need from your employer and brokerage (W-2, 1099-B, Forms 3921 and 3922) How to avoid the most expensive mistake—missing the basis adjustment that costs thousands Why ESPP tax reporting is more nuanced than most people realize The withholding problem that catches high earners off guard every year What you should do right now to avoid overpaying the IRS Whether you’re with Fidelity, Morgan Stanley, Schwab, or E*TRADE, understanding how your brokerage reports stock sales can save you from costly errors. If a significant portion of your compensation comes from equity, the standard 22% supplemental withholding rate probably isn’t enough to cover what you’ll actually owe. We’ll show you how to calculate whether you need quarterly estimated payments.   Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products, or services mentioned here are independent of Savvy Advisors, Inc.

Want a tax-efficient plan for your 2026 stock compensation? Let’s build a strategy together → https://www.perspective6wealthadvisors.com/start-here/   If you’re receiving RSUs, stock options, or performance shares in 2026, waiting until tax season to figure out your strategy could cost you tens of thousands in unnecessary taxes.   Most high earners earning $250k+ make the same mistake: they react to stock compensation instead of planning for it.   By the time the first vesting hits, the income is already recognized, the withholding falls short, and the diversification window closes.   In this video, we’ll walk through a four-step framework to help you take control of your equity compensation before it hits your paycheck.   You’ll learn how to: Project what’s actually vesting in 2026 and model conservative income estimates Fix the withholding gap that catches most high earners off guard Divide proceeds into three strategic buckets: taxes, lifestyle, and long-term wealth Time your equity decisions around other income events and tax opportunities   Whether you’re holding ISOs, waiting on performance shares, or managing quarterly RSU vests, this episode will show you how to turn stock compensation into controlled, tax-efficient wealth building.   If you’re a high earner navigating complex equity compensation and want a personalized plan for 2026, schedule a Vision Call with Perspective 6 Wealth Advisors.   Timestamps: 0:32 – Project What’s Actually Coming 1:48 – Fix the Withholding Problem 3:24 – Divide Into Three Buckets 4:45 – Timing Strategy Matters   Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products, or services mentioned here are independent of Savvy Advisors, Inc.

You’ve probably heard the advice to hold on to your company stock. It feels logical- you work there, you believe in the business, and selling can feel disloyal. But what if that advice is actually putting your financial future at risk? In this episode, Matt explains why holding too much company stock can quietly become one of the riskiest financial decisions you make. From Silicon Valley Bank to Meta, Matt walks through three clear situations when selling your company stock may be the smarter move. You’ll also learn how taxes, life transitions, and behavioral bias play into these decisions- and how diversification can help protect both your wealth and your peace of mind. Here’s some of what we discuss in this episode: The 10–15% Rule – When company stock becomes a concentration problem Real Collapse Examples – What happens when jobs and stock fall together Life Transitions – Why timing matters as retirement or big purchases approach Tax-Smart Selling – Reducing taxes while diversifying Behavioral Traps – Why loyalty and familiarity often keep people invested too long 0:00 – Intro 1:01 – Scenario 1 3:39 – Scenario 2 6:11 – Scenario 3 8:43 – Behavioral Bias Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://www.perspective6wealthadvisors.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6wealthadvisors.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6wealthadvisors.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6wealthadvisors.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6wealthadvisors.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/@P6Wealth LinkedIn: https:// www.linkedin.com/company/perspective-6-wealth-advisors Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products or services mentioned here are independent of Savvy Advisors, Inc.