Retirement Blueprint

About this episode

In this episode, Glen D. Smith, CFP®, CRPC®, breaks down the trade-offs that are often left out of the annuity conversation, from ongoing fees and surrender restrictions to ordinary-income tax treatment and the lack of a step-up in cost basis for heirs. 

Discover a higher level of wealth management → https://www.gdswealth.com/plan/ 

Disclosure

GDS Wealth Management (“GDS”) is an SEC registered investment adviser. Registration does not imply a certain level of skill or training. For educational purposes only. Investing involves risk, including loss of principal. Past performance does not guarantee future results. 

About this episode

A SLAT isn’t about giving up your wealth; it’s about changing how assets are owned to help protect what you’ve built and plan for future generations. 

In this video, I break down exactly how a Spousal Lifetime Access Trust works, what happens to your assets, and how your spouse can still benefit from them. 

Discover a higher level of wealth management → https://www.gdswealth.com/plan/ 

Disclosure

GDS Wealth Management (“GDS”) is an SEC registered investment adviser. Registration does not imply a certain level of skill or training. For educational purposes only. Investing involves risk, including loss of principal. Past performance does not guarantee future results. 

About this episode

In our latest episode, I walk through how I think about gold and silver versus stocks and inflation, and the difference between preserving wealth and creating it. 

If you’ve heard mixed opinions about gold, I hope this gives you a clearer framework for thinking through the decision. 

Discover a higher level of wealth management → https://www.gdswealth.com

Disclosure

GDS Wealth Management (“GDS”) is an SEC registered investment adviser. Registration does not imply a certain level of skill or training. For educational purposes only. Investing involves risk, including loss of principal. Past performance does not guarantee future results. 

About this episode

You’ve spent years building your 401(k), receiving RSUs, investing, saving, and growing your net worth. 

Eventually, the question changes. It’s no longer: “How do I build more wealth?” 

It becomes: “How do I actually turn all of this into retirement income?” 

Discover a higher level of wealth management → https://www.gdswealth.com/stryker/ 

Disclosure

GDS Wealth Management is an SEC-registered investment adviser. This content is for educational purposes only and not personalized investment advice. Investing involves risk, including possible loss of principal. No strategy guarantees results. See Form ADV at adviserinfo.sec.gov.

About this episode

In this episode, we break down one deceptively simple question: 

Should you consolidate your financial accounts? 

If you’re a Stryker employee, subscribe for more conversations designed around the financial decisions that come with a successful career. 

Discover a higher level of wealth management → https://www.gdswealth.com/stryker/ 

Disclosure

GDS Wealth Management is an SEC-registered investment adviser. This content is for educational purposes only and not personalized investment advice. Investing involves risk, including possible loss of principal. No strategy guarantees results. See Form ADV at adviserinfo.sec.gov.

About this episode

If you’re planning to leave Stryker, retire, or move into a new role, your stock options deserve a place on the checklist. 

Even if you decide not to exercise anything, you’ll know the decision was intentional. 

Save this for your next career transition.

Learn the tips and strategies to make more informed decisions with your wealth at gdswealth.com.

Disclosure

GDS Wealth Management is an SEC-registered investment adviser. This content is for educational purposes only and not personalized investment advice. Investing involves risk, including possible loss of principal. No strategy guarantees results. See Form ADV at adviserinfo.sec.gov.

About this episode

They already withheld taxes from your RSUs… so why do you still owe more in April? This is a question we frequently discuss with Stryker employees.

The issue usually isn’t that something went wrong. It’s that tax withholding and tax planning are not the same thing.

Learn the tips and strategies to make more informed decisions with your wealth at gdswealth.com.

Disclosure

GDS Wealth Management is an SEC-registered investment adviser. This content is for educational purposes only and not personalized investment advice. Investing involves risk, including possible loss of principal. No strategy guarantees results. See Form ADV at adviserinfo.sec.gov.

About this episode

Glen breaks down a tax strategy many people have never heard of: NUA, or Net Unrealized Appreciation.

NUA is not right for everyone, but it is something worth understanding before you retire, leave your company, or roll your 401(k) into an IRA. Because once certain decisions are made, the opportunity may be gone. 

New episodes of Retirement Blueprint weekly! Discover a higher level of wealth management. Learn More.

Disclosure

GDS Wealth Management is an SEC-registered investment adviser. This content is for educational purposes only and not personalized investment advice. Investing involves risk, including possible loss of principal. No strategy guarantees results. See Form ADV at adviserinfo.sec.gov.

About this episode

I’ve sat with Stryker employees who have built meaningful wealth through company stock, and one of the biggest areas of confusion is often stock options. More specifically, Non-Qualified Stock Options, or NQSOs. 

New episodes of Retirement Blueprint weekly!

Discover a higher level of wealth management. Learn More.

Disclosure

GDS Wealth Management is an SEC-registered investment adviser. This content is for educational purposes only and not personalized investment advice. Investing involves risk, including possible loss of principal. No strategy guarantees results. See Form ADV at adviserinfo.sec.gov.

About this episode

If you receive RSUs from Stryker, your company stock may have quietly become one of the largest assets you own. 

Glen Smith shares a few of the most common RSU mistakes I see and how to think through each vesting decision with more care. 

New episodes of Retirement Blueprint weekly!

Discover a higher level of wealth management. Learn More.

Disclosure

GDS Wealth Management is an SEC-registered investment adviser. This content is for educational purposes only and not personalized investment advice. Investing involves risk, including possible loss of principal. No strategy guarantees results. See Form ADV at adviserinfo.sec.gov.