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: jerry@presiliumpw.com

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.

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: jerry@presiliumpw.com

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: Cullen@presiliumpw.com

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: jerry@presiliumpw.com

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’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: jerry@presiliumpw.com

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: Brian@presiliumpw.com

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: Brian@presiliumpw.com

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.