Presilium Private Wealth

This week we dig into the importance of stress testing portfolios to prepare for market volatility and potential downturns, highlighting historical market declines such as the S&P 500's average 36% drop and the 2008 financial crisis where the S&P 500 fell 55%. Jerry illustrates how a well-structured 70% stock, 30% bond portfolio could have declined 45% but recovered over three and a half years, underscoring the need to stay invested and potentially rebalance.

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💬 Have questions or want to discuss your investment strategy? Please visit our website to schedule time with us today.

https://www.presiliumpw.com.

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.

This week, Jerry emphasizes the importance of maintaining a long-term investment strategy despite market fluctuations. Over the past 25 years, the market has experienced an average temporary decline of 14.9% per year, but still achieved a positive average return of 9.4% annually for the S&P 500. To bring things home, Jerry highlights that the market finished positive in 19 out of 25 years, with significant gains in eight of those years, including 2009 and 2020.

🔔 Subscribe to our channel for more insights on investing, financial planning, and wealth management.

💬 Have questions or want to discuss your investment strategy? Please visit our website to schedule time with us today.

https://www.presiliumpw.com.

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 episode 8 of Building Value, Brook Hart discusses the challenges and opportunities associated with performance reviews. He emphasizes the need for a shift from traditional annual reviews to more frequent, constructive feedback sessions. By making performance evaluations more qualitative and quantitative, and fostering joint ownership in the evaluation process, organizations can create a more productive and engaged workforce. Brook advocates for continuous improvement in performance management practices, encouraging managers to focus on implementation rather than perfection.

Key Takeaways:

• Performance reviews are often not useful and need rethinking
• Quarterly reviews with monthly check-ins are more effective
• Feedback should be both qualitative and quantitative
• Creating joint ownership in evaluations is crucial
• Mistakes are part of life; how we respond matters
• Employees perform better when they enjoy their work
• Clear communication of expectations is essential
• Developing performance metrics takes time and energy
• Aim for implementation, not perfection in evaluations
• Everyone needs to be on the same page for success

To learn more or schedule time with us today, please visit our website: https://www.presiliumpw.com/

This Podcast 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 Podcast 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 Podcast 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.

This week, Jerry discusses the complexities of inherited IRAs, emphasizing the importance of understanding the rules for spouses and non-spouses.

Spouses have more flexibility, including the option to roll over funds to their own IRA and defer mandatory distributions until age 73 or 75, or to take immediate distributions without penalty.

Non-spouses, such as children or siblings, must withdraw the entire balance within 10 years of the original owner's death, with RMDs required if the original owner had reached their RMD age. Roth IRAs do not require RMDs but still have the 10-year withdrawal rule.

Strategies for inherited IRAs should be tailored to individual financial plans, considering tax implications.

To learn more or schedule time with us today, please visit our website: https://www.presiliumpw.com.

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.

This week, Jerry discusses the complexities of inherited IRAs, emphasizing the importance of understanding the rules for spouses and non-spouses.

Spouses have more flexibility, including the option to roll over funds to their own IRA and defer mandatory distributions until age 73 or 75, or to take immediate distributions without penalty.

Non-spouses, such as children or siblings, must withdraw the entire balance within 10 years of the original owner's death, with RMDs required if the original owner had reached their RMD age. Roth IRAs do not require RMDs but still have the 10-year withdrawal rule.

Strategies for inherited IRAs should be tailored to individual financial plans, considering tax implications.

To learn more or schedule time with us today, please visit our website: https://www.presiliumpw.com.

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.

Tune in as Brook answers the BIG Question that Presilium has been hearing from our clients this month.

To learn more or schedule time with us today, please visit our website: https://www.presiliumpw.com/

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.

People often ask me about our investment philosophy, so today I am peeling back the curtain!

In this video I am sharing our proven strategy: balancing stocks & bonds, using smart ETFs, and a global index you've probably never heard of. See how we manage risk, maximize returns, and keep your portfolio on track. Curious? Hit play! 👇 #investing #stocks #bonds #financialplanning

🔔 Subscribe to our channel for more insights on investing, financial planning, and wealth management.

💬 Have questions or want to discuss your investment strategy? Please visit our website to schedule time with us today.

https://www.presiliumpw.com.

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.

People often ask me about our investment philosophy, so today I am peeling back the curtain!

In this video I am sharing our proven strategy: balancing stocks & bonds, using smart ETFs, and a global index you've probably never heard of. See how we manage risk, maximize returns, and keep your portfolio on track. Curious? Hit play! 👇 #investing #stocks #bonds #financialplanning

🔔 Subscribe to our channel for more insights on investing, financial planning, and wealth management.

💬 Have questions or want to discuss your investment strategy? Please visit our website to schedule time with us today.

https://www.presiliumpw.com.

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.

This month's Big Question focuses mindset and preparation for significant market downturns, emphasizing the importance of maintaining a disciplined investment strategy rather than panicking and shifting to cash or bonds.

Key strategies we cover include rebalancing portfolios to move funds from expensive to inexpensive areas, regularly reviewing and refreshing financial plans, and conducting mental exercises to assess one's reaction to a 30% portfolio drop.

The goal is to anticipate and plan for market uncertainties proactively, ensuring readiness through collaboration and maintaining investment discipline.

🔔 Subscribe to our channel for more insights on investing, financial planning, and wealth management.

💬 Have questions or want to discuss your investment strategy? Please visit our website to schedule time with us today.

https://www.presiliumpw.com.

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 Financial Planning Friday, we discuss the key components of a comprehensive financial plan and why it's essential for reaching your financial goals.

We cover:

- The importance of having an up-to-date net worth statement as your starting point

- How to get the right investment mix and risk level for your situation

- Calculating the probability of achieving your goals using historical data

- Projecting your finances year-by-year through retirement and modeling different scenarios

Jerry emphasizes that a solid financial plan is the foundation for making informed, confident decisions about your money. Please reach out if you or someone you know could benefit from creating a financial plan.