Presilium Private Wealth

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

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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.

Today we’re highlighting one of the most underrated tools in financial planning:

👉 The Taxable Brokerage Account

Retirement 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 Takeaway

A 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 | 🔔 Subscribe

It helps more people find these educational conversations.

#Investing #TaxPlanning #RetirementPlanning #CapitalGains #FinancialStrategy

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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.

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

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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.

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 it
• The importance of maintaining a diversified, globally balanced portfolio
• Why having cash reserves and a rebalancing plan can turn pullbacks into opportunity

Jerry 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.

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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, 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.

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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.

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

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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.

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.

This Christmas, Jerry Davidse shares a powerful wealth-building strategy that any family can consider — how a single $19,000 gift today could grow into more than $4 million over a child’s lifetime.

In this episode, Jerry explains the math behind long-term compounding, why early gifting can shape your children’s financial future, and how intentional planning can pass down not just wealth — but wisdom.

You’ll learn:

• How the IRS annual gift exclusion works and why it’s so powerful
• The long-term potential of compounding through disciplined investing
• Ways to use gifting as a tool for financial education and family legacy
• How giving early can reduce estate taxes and create generational impact

Whether you’re a parent, grandparent, or simply looking to make your money more meaningful, this episode will show how generosity and strategy can work hand in hand.

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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.

Refinancing your mortgage can be one of the smartest financial moves — if you know when and how to do it. In this episode of Practical Cents with Cullen Martin, we break down the real math behind refinancing: from understanding your break-even point to calculating potential monthly savings and long-term interest reduction.

💡 Learn how to decide if refinancing makes sense for you — and how to avoid common mistakes that cost homeowners thousands. Cullen shares practical tips, examples, and rules of thumb you can apply right away to make your mortgage work smarter for you.

📊 Topics Covered:

- When refinancing actually makes financial sense

- How to calculate your break-even point

- Closing costs and what to expect (2%–5%)

- The “Marry the house, date the rate” strategy

- How to lower your monthly payments or shorten your term

- Real-world savings example: $500K mortgage → $328/month savings

If you’re thinking about refinancing or planning ahead for lower rates, this episode gives you the clarity and confidence to make an informed decision.

🔔 Subscribe to Practical Sense with Cullen Martin for more episodes on smart financial planning, mortgage strategies, and building long-term 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.

In this episode, Jerry Davidse, CFP®, breaks down one of the most common investing mistakes: believing “this time is different.” Each year brings new crises, headlines, uncertainty, and reasons to feel nervous about markets — but history shows that long-term discipline and staying invested have consistently rewarded patient investors.

Jerry reviews 20+ years of major global and economic events and compares how investors would have performed if they stayed invested in the S&P 500 versus moving to 10-year Treasury bonds during each period. The difference in outcomes is dramatic — and can impact retirement income, legacy goals, and long-term financial freedom.

Key Topics in This Episode

• Why every year feels like a “new” crisis
• The emotional trap of “this time is different”
• How long-term market discipline has historically been rewarded
• S&P 500 returns vs. Treasury bonds over 20+ years
• How staying invested may impact retirement and legacy goals
• Why financial plans are built to weather uncertainty

If you’ve ever wondered whether you should “wait for things to calm down” before investing — this episode is for you.

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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.