Presilium Private Wealth

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

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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, 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

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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.

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 Takeaways

• Two 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.

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Connect With Cullen: Cullen Martin, CFP®

Financial Planner, Presilium Private Wealth

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/cullen-martin-cfp%C2%AE-81218ab2/ Meet Cullen: https://www.presiliumpw.com/team_member/cullen-martin-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.

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” approach

If 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

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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.

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 keep

0:36 - Mistake #1: Waiting too long to address RMDs

1:15 - The "Gap Years": When to do Roth Conversions

1:55 - Mistake #2: Accidental Medicare Premium Hikes (IRMAA)

2:30 - Mistake #3: Withdrawing from the wrong accounts

3:10 - Summary & How to get a Tax Plan Review

Smart 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

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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.

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 priority
• Common misconceptions about retiring at 65
• How Move Health helps retirees find personalized healthcare solutions
• How to evaluate coverage options and income eligibility
• Ways to retire early while maintaining quality healthcare
• How 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.

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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.

Many retirees and families do an amazing job doing the “heavy lifting” — saving consistently, investing wisely, building emergency reserves, and putting the right insurance and estate planning in place. But once those essentials are covered, the next step can feel surprisingly hard: giving yourself permission to actually enjoy the money you’ve worked for. In this message, Brian Henrysen shares a simple reminder — smart planning isn’t only about protecting tomorrow; it’s also about living fully today.

Key Takeaways

• It’s okay to spend your money in retirement. If you’ve planned well, enjoyment is part of the plan.
• Be proud of the foundation you built. Years of saving, investing, and protecting your family matters.
• Financial security is also confidence. It’s not just about growing wealth — it’s knowing when you can use it.
• Keep the basics strong. If you’re still working, continue contributions, maintain a cash cushion, and keep insurance up to date.
• Start creating the moments you’ve postponed. Take the vacation, plan the getaway, say yes to experiences with family.
• Spend with intention, not guilt. A special dinner, a hobby, or time with kids/grandkids can be the “why” behind all that saving.
• Live today responsibly. Good planning protects the future and gives you freedom in the present.

If this message hit home, take it as your reminder: if your essentials are in place, you’ve earned the right to enjoy this season. Keep your plan steady, spend thoughtfully, and start making the memories that make all those years of discipline worth it. Thanks for watching.

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Connect With Brian: Brian Henrysen Jr., CFP®

Financial Planner, Presilium Private Wealth

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/brianhenrysenjr/ Meet Brian: https://www.presiliumpw.com/team_member/brian-henrysen-jr-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 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

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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.

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 2028
• Why the deduction applies whether you itemize or take the standard deduction
• Phase-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 eligibility
• How Roth conversions can be used strategically before phase-out
• When it may make sense to realize gains by selling appreciated investments
• Why planning early can dramatically improve long-term outcomes

If You’re Turning 65 in the Next Few Years

This is the time to:

• Evaluate when to claim Social Security
• Map out a strategic Roth conversion timeline
• Review investment diversification and gain harvesting
• Plan proactively — not reactively

And you don’t have to figure it out alone.

Let’s Build Your Long-Term Plan

If you're approaching retirement and want to make sure you're capturing every strategic advantage available: → www.presiliumpw.com/contact-us

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Connect With Cullen: Cullen Martin, CFP®

Financial Planner, Presilium Private Wealth

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/cullen-martin-cfp%C2%AE-81218ab2/ Meet Cullen: https://www.presiliumpw.com/team_member/cullen-martin-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.

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.

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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.