Presilium Private Wealth

As we celebrate Thanksgiving, Jerry Davidse reflects on a year of change, resilience, and growth — from navigating market volatility to celebrating the successes of Presilium’s clients. Jerry shares his gratitude for the trust clients place in the team and the many introductions received this year, while looking ahead to an even brighter 2026.

At Presilium Private Wealth, our mission remains clear: to provide the most exceptional wealth management experience and to continue building a legacy of trust, excellence, and care for every client we serve.

Key Takeaways:

💼 We were well-prepared for market volatility in 2025.

🌟 Client success stories are what drive our work at Presilium.

🤝 Our team continues to grow with the addition of Colin and Crystal.

📈 Over 100 new client introductions this year — thank you for your trust.

🏛️ Our goal is to provide the greatest wealth management experience possible.

💡 We’re focused on retirement, business growth, and legacy protection.

🎯 Looking forward to an amazing and opportunity-filled 2026.

🙏 Wishing all clients, partners, and friends a wonderful Thanksgiving.

From all of us at Presilium Private Wealth — thank you for your trust, your introductions, and your continued partnership. 🍁 Here’s to a season of gratitude, growth, and great things ahead in 2026.

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Connect With Jerry: Jerry Davidse, CFP®

CEO, Presilium Private Wealth

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/jerrydavidse/ Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio

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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 week’s episode, Jerry Davidse, CFP®, shares something personal — each year on his birthday, he takes a fresh look back at the major global, political, and economic crises that occurred during every year of his career. If you lived through them, you remember how real and concerning each one felt at the time.

Yet despite headlines, uncertainty, and constant “this time is different” narratives, long-term investors who stayed disciplined and invested in diversified portfolios experienced meaningful growth over time.

Jerry walks through a multi-decade chart illustrating:

✅ The major crisis events from each year

✅ The corresponding performance of the S&P 500 during those same periods

✅ How investor outcomes dramatically changed depending on whether they stayed invested or moved to bonds

✅ The long-term impact on retirement, family goals, and legacy planning

The message is simple, but powerful: Short-term events are unpredictable. Long-term planning endures.

If you’ve ever felt tempted to “wait out the uncertainty,” this episode will help you step back, take the long view, and remember why discipline, consistency, and rebalancing matter.

#WealthManagement #FamilyLegacy #FinancialPlanning

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Connect With Jerry: Jerry Davidse, CFP®

CEO, Presilium Private Wealth

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/jerrydavidse/ Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio

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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 month's edition of the Big Question, Brook Hart delves into the complexities of health care expenses, a major concern for retirees. Discover how partnering with Move Health can help you make informed decisions about your health benefits, ensuring better long-term outcomes.

Key Points:

• Health care expenses are a significant concern for retirees.

• Importance of making informed decisions about health benefits.

• Introduction to Move Health, a platform for better decision-making.

• Simple steps to gain confidence in your health benefit choices. Access to experts for personalized guidance and support.

Stay informed and prepared for your health care decisions. Set up a time with Move Health today for peace of mind.

#HealthBenefits #RetirementPlanning #MoveHealth

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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, Brian Henrysen explores smart strategies to help minimize taxes in retirement. Learn how to plan ahead, understand how different income sources are taxed, and discover how tools like Roth conversions, donor-advised funds, and qualified charitable distributions (QCDs) can support your long-term financial goals.

Key Takeaways:

💰 Understand how different income sources are taxed in retirement.

🧾 Up to 85% of Social Security benefits can be taxable.

🏦 Pre-tax 401(k) withdrawals are fully taxable in retirement.

🔐 Roth contributions may offer tax-free withdrawals.

🎁 Donor-advised funds can help reduce taxable income.

🔄 Roth conversions may help prevent large RMDs later.

💸 Higher income can increase Medicare premiums.

🎯 Align tax strategies with your long-term financial goals.

📆 Effective tax planning requires a proactive, multi-year approach.

🤝 Consult a qualified financial professional for personalized guidance.

⏱️ Chapters:

00:12 – Understanding Retirement Income Sources

01:13 – Tax Implications of Different Accounts

01:43 – Strategies for Minimizing Taxes

02:49 – Aligning Tax Strategies with Personal Goals

03:56 – Building a Long-Term Tax Plan

Smart tax planning isn’t about what you save this year — it’s about what you keep over a lifetime. 💡 Subscribe for more strategies to help you retire with clarity and confidence.

In this episode, Jerry Davidse breaks down what risk truly means in investing — and why the greatest danger isn’t market volatility, but permanent loss of capital. He explains how Presilium Private Wealth builds portfolios designed to weather volatility and capture long-term market growth through index-based ETFs and disciplined diversification.

If market ups and downs make you uneasy, this conversation will help you see volatility in a new light — as a normal part of the investment journey, not a threat to your financial future.

🕒 Chapters:

00:00 – What Is Real Investment Risk?

00:46 – Volatility vs. Permanent Loss

01:28 – The Role of Index-Based ETFs

02:05 – Diversification and Long-Term Growth

02:44 – Staying Disciplined Through Market Cycles

Volatility is temporary — discipline is permanent. 📊 Stay focused, stay diversified, and let time work in your favor.

#risk #investing #permanentloss #volatility #ETFs #diversification #Presilium #marketgrowth #capitalprotection #financialplanning #wealthmanagement

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Connect With Jerry: Jerry Davidse, CFP®

CEO, Presilium Private Wealth

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/jerrydavidse/ Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio

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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.

Every business hits a point where additional capital might seem necessary — to survive, to grow, or to seize an opportunity. But simply needing money doesn’t mean you should take it from just anyone, or on any terms.

In this month’s episode of Building Value, we break down one of the most misunderstood parts of running and scaling a company: raising outside capital. Whether your business is early-stage and fueled by belief… or later-stage with real traction… who you raise from and how you raise matters.

We explore:

🧠 The difference between smart money and dumb money

🧠 Why who you accept capital from can have more impact than the capital itself

🧠 How business stage and model impact whether you look to angels, friends & family, private equity, or venture capital

🧠 The only two real ways capital enters a business: debt or equity

🧠 How to think strategically about ownership, timing, and long-term upside

🧠 When retaining more of your company today builds exponentially more value tomorrow

If you’re considering raising money, whether out of necessity or ambition, this episode will help you think clearly, avoid common pitfalls, and structure decisions that maximize your future value.

Listen now to learn how to raise capital thoughtfully, intentionally, and with the right partners behind you.

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Connect With Brook

Brook Hart, CFP®, CEPA®

President & CCO, Presilium Private Wealth

Email: [email protected]

LinkedIn: linkedin.com/in/brook-hart

Meet Brook: https://www.presiliumpw.com/team_member/brook-hart-cfp/

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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, Jerry Davidse of Presilium Private Wealth breaks down one of the most overlooked parts of retirement planning: building a financial cushion to help protect your investment accounts during market downturns.

Market declines can happen suddenly and without warning — and history shows that drops of 20% or more have occurred multiple times since 1980. For retirees who rely on their portfolio for income, selling investments during a downturn can permanently impact long-term financial security.

Jerry explains:

• Why a cushion matters for retirement income stability
• How long market recoveries typically take
• A simple way to calculate your cushion based on your annual spending and income sources
• How knowing your cushion helps determine the right mix of stocks vs. more stable assets
• Why ongoing monitoring and small adjustments can reduce stress and increase confidence

Whether you’re preparing for retirement or already living in it, this framework can help you understand how to protect your portfolio and stay invested for the long run — without reacting emotionally to market swings.

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Connect With Jerry: Jerry Davidse, CFP®

CEO, Presilium Private Wealth

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/jerrydavidse/ Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio

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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.

When retirement finally arrives, one of the biggest financial decisions you’ll face is what to do with your pension. In this episode, Brian Henrysen breaks down your payout options, the financial implications, and how each choice affects your retirement income and legacy planning.

Whether you’re deciding between a lump sum, monthly annuity, or direct rollover, this conversation will help you approach your pension with clarity and confidence.

Key Takeaways:

✨ A pension is a defined benefit plan promising a fixed amount in retirement.

🏢 Pensions are less common today as many companies shift toward 401(k)s.

💵 Payout options include direct rollover, lump sum distribution, or annuity payments.

👩‍❤️‍👨 Annuities may include survivor benefit choices that affect family protection.

🎯 The best pension option depends on your personal goals and financial picture.

👶 Without a survivor benefit, monthly income may end when you do — impacting heirs.

🏛️ Legacy planning should always be part of your pension decision.

📊 Evaluate your entire financial plan — retirement income, savings, taxes, and risk appetite.

🧭 Seek professional guidance to make confident, informed decisions about your pension.

🔎 Keywords: pension, retirement, financial planning, payout options, legacy planning

Your pension is more than just a paycheck — it’s a legacy decision. 💡 Make it wisely, and let your money keep working for you long after you retire.

#pension #retirementplanning #financialplanning #payoutoptions #legacyplanning #annuities #retirementincome #retirementtips

Don’t let December sneak up on you.

Jerry Davidse shares five essential year-end planning moves to review — including tax-law updates, retirement accounts, and charitable strategies — all designed to help you make informed decisions before December 31.

Key Takeaways:

• Tax law swaps can capture taxable losses to offset gains.
• Review investments in taxable accounts for temporary downturns.
• Carry forward losses to offset future gains.
• Fully fund retirement accounts like IRAs and 529s.
• Evaluate additional avenues to save and improve tax picture.
• Take required minimum distributions to avoid penalties.
• Consider converting retirement accounts to Roth IRA for tax-free growth.
• Establish donor advised funds for charitable giving.
• Capitalize on large deductions with donor advised funds.
• Presilium focuses on optimizing clients' financial futures.

#financialplanning #tax #retirementaccounts #RothIRA #charitablegiving

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Connect With Jerry: Jerry Davidse, CFP®

CEO, Presilium Private Wealth

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/jerrydavidse/ Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio

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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, Jerry Davidse of Presilium Private Wealth breaks down one of the most overlooked parts of retirement planning: building a financial cushion to help protect your investment accounts during market downturns.

Market declines can happen suddenly and without warning — and history shows that drops of 20% or more have occurred multiple times since 1980. For retirees who rely on their portfolio for income, selling investments during a downturn can permanently impact long-term financial security.

Jerry explains:

🌟 Why a cushion matters for retirement income stability

🌟 How long market recoveries typically take

🌟 A simple way to calculate your cushion based on your annual spending and income sources

🌟 How knowing your cushion helps determine the right mix of stocks vs. more stable assets

🌟 Why ongoing monitoring and small adjustments can reduce stress and increase confidence

Whether you’re preparing for retirement or already living in it, this framework can help you understand how to protect your portfolio and stay invested for the long run — without reacting emotionally to market swings.

--------

Connect With Jerry:

Jerry Davidse, CFP®

CEO, Presilium Private Wealth

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/jerrydavidse/

Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio

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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.