The MedTech Wealth Advisor Podcast

The MedTech Wealth Advisor Podcast

By Matthew NelsonBusinessInvesting
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The MedTech Wealth Advisor Podcast episodes

  • Mega Backdoor Roth Explained: The Tax-Free Growth Strategy for High Earners

    Have you ever maxed out your 401k and thought, ‘Where else can I put money that grows tax-free?’ If you’re a high earner, especially working in MedTech or the corporate world, this strategy might change the way you save for retirement. Matt breaks down one of the most powerful (and often overlooked) retirement strategies available today: the Mega Backdoor Roth. It’s a legal workaround for those who can’t contribute directly to a Roth IRA and are already hitting their 401k limits midyear.

    Here’s some of what we discuss in this episode:

    Understanding the Mega Backdoor Roth strategy

    How the Mega Backdoor Roth process works

    The long-term value of tax diversification

    Ideal candidates for this approach

    Key pitfalls to watch out for

    0:00 – Intro

    0:28 – What is a Mega Backdoor Roth?

    2:33 – How does it work?

    3:35 – Is this a good deal?

    3:46 – Why does it matter?

    4:21 – Who is this for?

    5:05 – Mistake to avoid

    Other Resources

    Our website: https://www.perspective6wealthadvisors.com/

    Phone: (952) 225-0333

    Schedule your no-cost consultation: https://www.perspective6wealthadvisors.com/start-here/

    Essential Financial Guides

    5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6wealthadvisors.com/guide/

    Stock Compensation Tax Form Checklist: https://perspective6wealthadvisors.com/stock-compensation-tax-checklist/

    ESPP: A Comprehensive Guide: https://perspective6wealthadvisors.com/espp-guide/

    Check out our other no-cost financial resources here: https://perspective6wealthadvisors.com/resource-center/

    Stay Connected

    Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA

    LinkedIn: https:// www.linkedin.com/company/perspective-6-wealth-advisors

    Investment advisory services offered through Savvy Advisors, Inc. Other entities and/or marketing names, products or services mentioned here are independent of Savvy Advisors, Inc.

    10 min
  • Why High Earners Should Sometimes Pay MORE Taxes- On Purpose!
    Would you ever pay more to the IRS… on purpose? Sometimes the smartest move in retirement planning is the one that feels most counterintuitive, like voluntarily paying more taxes now. In this episode, Matt breaks down why certain high earners should consider a Roth 401(k) conversion during a lower-income year- if their plan allows it.
    8 min
  • Going Public? 5 IPO Planning Tips for Employees with Stock Comp
    Your company’s IPO can be a major financial opportunity, or a costly misstep if you’re not prepared. In this episode, Matt walks you through what really happens when your private company goes public, and the five things every employee with stock compensation needs to know before making a move. It’s often more complex than most people realize, so it pays to be prepared.
    12 min
  • You Just Got Some RSUs- Now What?
    In this episode, Matt dives into one of the most common forms of equity compensation: Restricted Stock Units (RSUs). If your company just handed you some stock, you may be asking yourself, "What now?" Matt walks through three key questions that will help you move forward with confidence. He also shares practical tips for tracking your vesting schedule and deciding whether to hold or sell your shares.
    11 min
  • Roth 401k: Smart Moves You’re Missing
    Roth 401k contributions can be a powerful tool, but only if you know how to use them wisely. In this episode, Matt shares practical tax strategies for deciding when, why, and how to contribute to a Roth 401k through your employer plan.
    14 min
  • Medtronic Benefits Employees Miss Out On
    Medtronic offers one of the most generous benefits packages in the industry, but many employees aren’t using those benefits to their full potential. In this episode, Matt highlights three valuable but often overlooked Medtronic benefits beyond the standard 401(k). These include the Employee Stock Purchase Plan (ESPP), Health Savings Accounts (HSAs), and optional long-term disability insurance.
    9 min
  • Forced Into Retirement Early – Now What?
    In this episode, Matt and Jacob unpack a listener question about how to move forward after being forced into retirement earlier than expected. They walk through key considerations for anyone in a similar situation: how to handle severance and stock options, when (or if) to pay off a mortgage, how to approach early healthcare coverage before Medicare kicks in, and whether finding part-time work or consulting could be part of the solution.
    14 min
  • Can You Build a Tax-Free Retirement Fund with an HSA?
    Are Health Savings Accounts one of the best tax-advantaged accounts out there? Can you really stockpile a massive balance and use it tax-free in retirement? Today, Matt and Jacob will explain why HSAs can be one of the most power-ful tools for long-term, tax-advantaged growth and why using it wisely takes more than maxing out your contributions.
    13 min
  • Will Social Security Really Run Out? 2025 Breakdown
    Lately, we've been getting a lot of questions from clients about the future of Social Security- and it’s no surprise. This topic has been making the rounds online, sparking concern and confusion. Will Social Security really run out? To help break it all down, we’re welcoming back Matt Finley, Senior Partner and Financial Advisor at Perspective 6 Group. He’ll explain what’s actually happening with Social Security, what could change, and why most people won’t see their benefits disappear- even in the face of funding shortfalls projected for 2032.
    12 min

About The MedTech Wealth Advisor Podcast

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Guiding MedTech professionals to Financial Freedom. Whether you have questions about your new job offer, what to do with your company stock plan, how to start the company you’ve been dreaming…