The MedTech Wealth Advisor Podcast

A $43,000 surprise tax bill turned into a triple win & here’s exactly how we did it… When an unexpected bonus creates a massive tax problem, most high earners simply write the check and move on. But what if that problem could become an opportunity? In this case study, we walk through a real pattern I see regularly: a high earner with RSUs and ESPP shares facing significant underpayment penalties, underwater company stock sitting idle, and years of charitable giving with no real strategy behind it. By coordinating three moves—tax loss harvesting, a Donor Advised Fund contribution, and strategic portfolio rebalancing—we eliminated penalties, cut the tax bill by over $20,000, diversified concentrated holdings, and built a multi-year charitable giving plan. This isn’t about one clever trick. It’s about seeing how the pieces connect and acting before year-end when the strategies still work. If you have stock compensation and you’ve had a higher income year than expected, this is the kind of planning that changes everything.   Schedule a free Vision Call with our team → https://www.perspective6wealthadvisors.com/matt/   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.   #StockCompensation #TaxPlanning #RSUs #FinancialPlanning #RetirementPlanning

Wondering if you’re handling your stock compensation taxes correctly? Let’s build a strategy tailored to your equity → https://www.perspective6wealthadvisors.com/matt/ Stock Compensation Tax Form Checklist → https://perspective6wealthadvisors.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide → https://perspective6wealthadvisors.com/espp-guide/   If you received RSUs, stock options, or ESPP shares in 2025, tax season just got complicated. Most high earners with equity compensation make one critical mistake: they end up paying taxes twice on the same income because they don’t understand basis adjustments. In this video, we break down: Your tax filing timeline for 2026—when documents arrive and what deadlines matter The exact forms you need from your employer and brokerage (W-2, 1099-B, Forms 3921 and 3922) How to avoid the most expensive mistake—missing the basis adjustment that costs thousands Why ESPP tax reporting is more nuanced than most people realize The withholding problem that catches high earners off guard every year What you should do right now to avoid overpaying the IRS Whether you’re with Fidelity, Morgan Stanley, Schwab, or E*TRADE, understanding how your brokerage reports stock sales can save you from costly errors. If a significant portion of your compensation comes from equity, the standard 22% supplemental withholding rate probably isn’t enough to cover what you’ll actually owe. We’ll show you how to calculate whether you need quarterly estimated payments.   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.

Want a tax-efficient plan for your 2026 stock compensation? Let’s build a strategy together → https://www.perspective6wealthadvisors.com/start-here/   If you’re receiving RSUs, stock options, or performance shares in 2026, waiting until tax season to figure out your strategy could cost you tens of thousands in unnecessary taxes.   Most high earners earning $250k+ make the same mistake: they react to stock compensation instead of planning for it.   By the time the first vesting hits, the income is already recognized, the withholding falls short, and the diversification window closes.   In this video, we’ll walk through a four-step framework to help you take control of your equity compensation before it hits your paycheck.   You’ll learn how to: Project what’s actually vesting in 2026 and model conservative income estimates Fix the withholding gap that catches most high earners off guard Divide proceeds into three strategic buckets: taxes, lifestyle, and long-term wealth Time your equity decisions around other income events and tax opportunities   Whether you’re holding ISOs, waiting on performance shares, or managing quarterly RSU vests, this episode will show you how to turn stock compensation into controlled, tax-efficient wealth building.   If you’re a high earner navigating complex equity compensation and want a personalized plan for 2026, schedule a Vision Call with Perspective 6 Wealth Advisors.   Timestamps: 0:32 – Project What’s Actually Coming 1:48 – Fix the Withholding Problem 3:24 – Divide Into Three Buckets 4:45 – Timing Strategy Matters   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.

You’ve probably heard the advice to hold on to your company stock. It feels logical- you work there, you believe in the business, and selling can feel disloyal. But what if that advice is actually putting your financial future at risk? In this episode, Matt explains why holding too much company stock can quietly become one of the riskiest financial decisions you make. From Silicon Valley Bank to Meta, Matt walks through three clear situations when selling your company stock may be the smarter move. You’ll also learn how taxes, life transitions, and behavioral bias play into these decisions- and how diversification can help protect both your wealth and your peace of mind. Here’s some of what we discuss in this episode: The 10–15% Rule – When company stock becomes a concentration problem Real Collapse Examples – What happens when jobs and stock fall together Life Transitions – Why timing matters as retirement or big purchases approach Tax-Smart Selling – Reducing taxes while diversifying Behavioral Traps – Why loyalty and familiarity often keep people invested too long 0:00 – Intro 1:01 – Scenario 1 3:39 – Scenario 2 6:11 – Scenario 3 8:43 – Behavioral Bias Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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/@P6Wealth 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.

Markets don’t move in straight lines, and 2025 proved that once again. In this episode, Matt sits down with Matthew Finley to walk through their 2026 Market Outlook and what investors should realistically expect in the year ahead. They reflect on the sharp early-year pullback in 2025, the surprising number of new all-time highs that followed, and what long-term data, not headlines, suggest about where markets may be headed next. The conversation covers earnings growth, interest rates, volatility, AI spending, and the difference between healthy risk and speculative fear. Here’s some of what we discuss in this episode: Why a 19% drawdown didn’t derail the year  What 37 new all-time highs really signal  How earnings growth shapes market expectations  Understanding volatility vs. long-term returns  AI, policy risks, and potential market catalysts 0:00 – Intro  2:03 – 2025 pullback and tariff volatility 4:59 – Earnings growth, forecast ranges, and expectations 7:19 – Intra-year declines and market volatility  12:00 – AI, profitability, and the “bubble” question  14:14 – Positive and negative catalysts ahead  16:30 – Takeaways  Resources for this episode: 2026 Market Outlook Article: https://www.perspective6wealthadvisors.com/market-outlook-2026-making-calculated-risks/ 2025 Market Outlook Article: https://www.perspective6wealthadvisors.com/2025-market-outlook-insights-on-navigating-volatility/ Tariff Article: https://www.perspective6wealthadvisors.com/tariffs-explained-the-good-bad-and-whats-next/ Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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/@P6Wealth 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.

Diversifying a large stock position without triggering a massive tax bill can feel impossible, but there are advanced strategies designed specifically for this challenge. In this episode, Matt breaks down two powerful but often misunderstood tools: the 351 Exchange and the Exchange Fund. While they sound similar, they serve completely different types of investors and portfolio problems. You’ll learn how a 351 Exchange can help reorganize an already diversified portfolio into a custom ETF without realizing capital gains. Then, Matt explains how an Exchange Fund can provide much-needed diversification for someone with a highly concentrated stock position, along with the trade-offs, lock-up periods, and accredited investor requirements that come with it. Here’s some of what we discuss in this episode: Why selling concentrated positions can trigger massive tax bills What a 351 Exchange actually is- and who it helps How Exchange Funds work and why they require a 7-year lock-up How to decide which strategy fits your situation 0:00 – Intro 1:16 – Overview of 351 Exchange 3:13 – Overview of Exchange Funds 4:12 – Comparing 351 and Exchange 4:52 – How to choose the right strategy Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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/@P6Wealth 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.

What does it really take to get a MedTech startup from concept to market? In this episode, Matt sits down with Karandeep Singh Badwal, a UK-based consultant, content creator, and host of The Medtech Podcast. They explore the realities of launching and funding MedTech ventures. Unpacking why early regulatory planning is a competitive advantage, how to avoid underestimating costs, and what founders often miss about sales and reimbursement after regulatory approval. From raising capital and structuring equity to building quality systems that actually work, this conversation is packed with lessons for founders, investors, and innovators alike! Here’s some of what we discuss in this episode: Plan for regulatory early- it’s your moat, not your obstacle Triple your expected budget (and then some) Know your economic buyer, not just your user Build a quality system from day one 0:00 – Intro and guest background 2:38 – Why regulatory planning early matters 3:48 – The profile of today’s MedTech founders 6:20 – Funding realities & underestimated costs 9:59 – Building a funding roadmap 13:25 – Structuring equity & common mistakes 15:41 – Why regulatory approval ≠ sales 18:30 – Angel investing & blended funding strategies 21:23 – What happens after 510(k) approval 25:38 –EU vs. US pathways 28:07 – Karandeep’s personal passions & closing thoughts Connect with Karandeep: https://karandeepbadwal.com/ Other Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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/@P6Wealth 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.

Did you know two investors could earn the same average return, pay the same fees, and still retire with very different outcomes? In this episode, Matt explains why sequence of returns risk is one of the most important concepts to understand within 5–7 years of retirement. You’ll see real examples of how early losses can quietly drain decades of savings, and why the order of your returns matters just as much as the returns themselves. Here’s some of what we discuss in this episode: Why timing matters just as much as returns in retirement investing How early losses could drain decades of savings Clear examples that reveal the impact of bad timing Strategies to help protect your portfolio in retirement 0:00 – Intro 2:45 – Similar Portfolios, Different Results 3:59 – Negative Returns 8:10 – $1 Million Sample Portfolio 10:50 – Reducing Sequence of Returns Risk 15:43 – Summary Other Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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.

Roth conversions can be a powerful tax strategy, but are they the right move when you’re just about to retire? In this video, Matt walks through a real-life case study to test that very question. Using Jerry and Ruth Crawford’s $7.3 million portfolio, he explores different strategies, from converting everything at once to filling tax brackets little by little. Here’s some of what we discuss in this episode: Full Roth conversion vs. phased approach Why converting all at once can reduce portfolio growth Lifetime tax savings with bracket targeting Impact of delaying Social Security to age 70 Flexibility and legacy benefits from tax-free Roth assets 0:00 – Intro 0:47 – Case Study 2:47 – Full Roth conversion 3:44 – Partial conversion 7:26 – Delaying Social Security 8:45 – Flexibility and legacy benefits Other Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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.

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 Email: [email protected] 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.

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. Here’s some of what we discuss in this episode: How paying more taxes now could save high earners later How Roth 401(k) conversions create tax-free growth The “hidden window” for high earners in lower tax years Key mistakes to avoid when converting Passing wealth to your heirs tax-efficiently 0:00 – Intro 0:58 – In-Plan Roth Conversion Strategy 2:21 – Why Should High Earners Do This? 4:48 – Who Should Consider This? 5:46 – Mistakes to Avoid Other Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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.

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. Here’s some of what we discuss in this episode: IPO 101: What really happens behind the scenes RSUs vs. ISOs vs. NSOs – Know the difference Common mistakes around timing, taxes, and emotional decision-making Strategies to consider: Selling, diversification, and long-term planning 0:00 – Intro 0:56 – #1: Understanding the IPO Timeline 1:52 – #2: Know What You Own (ISOs & NSOs) 3:21 – Restricted Equity 4:29 – Vesting Schedules 5:03 – #3: Taxes Are a Big Deal 7:47 – #4: Lockup Expiry ≠ Immediate Payday 9:15 – #5: Financial Planning Opportunities Other Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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.

A new tax bill has officially passed (you’ve probably heard it mentioned as the “Big Beautiful Bill”). While most headlines are focused on the politics, we’re zeroing in on what it means if you’re retired, a business owner, have stock compensation, or are thinking about estate planning. The decisions you make in the next year or two could significantly affect how much of your wealth you keep and how much goes to Uncle Sam. In this episode, Matt breaks down the four major areas of the bill and how they’re likely to impact the people he advises. Here’s some of what we discuss in this episode: New tax relief and planning opportunities for retirees Big updates to Qualified Small Business Stock (QSBS) rules AMT relief that makes stock option strategies more favorable Permanent changes for business owners, including the 20% QBI deduction The major increase in estate tax exemptions 0:00 – Intro 0:41 – Boost in Standard Deduction 1:36 – Tax Bracket Certainty 2:05 –SALT Deduction Relief 3:05 – QSBS Expansion Revolution 4:10 – AMT Relief 5:00 – QBI Deduction Made Permanent 5:49 – Massive Exemption Increases 7:02 – Recap and Free Visual Breakdown Resources for this episode: Mind Map Download Other Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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.

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. Here’s some of what we discuss in this episode: Why setting vesting alerts can prevent missed opportunities Treat RSUs like cash: Make thoughtful sell-or-hold decisions Why careful tax planning is needed for RSUs Capital gains taxes: What you don’t want to overlook Making RSUs work with your bigger financial plan 0:00 – Intro 1:03 – #1: What to do with your stock? 3:10 – #2: How are taxes handled? 6:38 – #3: How much should I sell/keep? 8:46 – Recap & Final Thoughts Resources for this episode: Plan Your Stock Compensation for the Year Tax Reporting for Stock Compensation Other Resources Our website: https://www.perspective6wealthadvisors.com/ Phone: (952) 225-0333 Email: [email protected] 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.

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. He covers why your future tax bracket matters just as much as your current one, and an easy trick to start your five-year clock for penalty-free withdrawals. Here’s some of what we discuss in this episode: Roth 401k vs. Traditional 401k: Key differences When it makes sense to prioritize Roth contributions Strategies for managing income fluctuations In-plan Roth conversions and how they work 0:00 – Intro 0:35 –Roth 401k VS. Pre-Tax 401k 2:38 – Tax Brackets & Lifetime Income Bracket 7:39 – In-Plan Roth Conversions 9:14 – Risks of Converting Company Stock 9:37 – The five-year clock Resources for this episode: Maximizing your 401k article: https://perspective6group.com/7-expert-strategies-to-maximize-your-401k/ Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

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. Here’s some of what we discuss in this episode: How the ESPP can create low-risk gains and income Maximizing your Health Savings Account (HSA) The role of optional long-term disability insurance in protecting income 0:00 – Intro 0:52 – Employee stock purchase plan 2:23 – Health savings account 4:45 – Optional Long-term disability insurance 7:55 – Summary Resources for this episode: ESPP: A Comprehensive Guide: https://perspective6group.com/espps-a-comprehensive-guide/ Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

A listener in his early 60s thought he had five more years of work ahead, until a surprise layoff changed everything. 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. Here’s some of what we discuss in this episode: Managing severance and stock option decisions Should you pay off the mortgage now? Health insurance before Medicare- what to know Part-time work and its impact on your plan Why purpose is your first planning question 0:00 – Intro 0:59 – Listener question 3:50 – Early retirement checklist 6:20 – Consider health insurance 7:06 – Keeping tax levels low 12:00 – Gig work and consulting: pros and cons Resources for this episode: What Issues Should I Consider Before I Retire? https://perspective6group.com/wp-content/uploads/2025/04/What-Issues-Should-I-Consider-Before-I-Retire-2024-1.pdf Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

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 powerful tools for long-term, tax-advantaged growth and why using it wisely takes more than maxing out your contributions. Many people are unsure how to best way to utilize these accounts effectively, so let’s talk about how to invest your HSA, what types of expenses qualify (now and later), and the real risks of letting it grow unchecked. By understanding how to effectively stockpile and utilize these funds, you can enhance your financial security in retirement. Here’s some of what we discuss in this episode: Can you “stockpile” your HSA for decades? Investing HSA funds vs. leaving them in cash Why saving your receipts is crucial for long-term tax planning The biggest risks if you don’t spend your HSA strategically 0:00 – Intro 1:47 – Basics of an HSA 4:30 – Invest the money? 6:13 – What to spend it on 8:07 – The risks   Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

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. You’ll learn what potential fixes are on the table and why no political party is seriously proposing to cut benefits for current recipients. If Social Security anxiety is keeping you up at night, this episode will help you take a breath, understand the facts, and focus on smart planning for your future. Here’s some of what we discuss in this episode: What’s really going on with Social Security Common myths about benefit cuts Solutions Congress could enact Why the panic is more political than practical How smart financial planning can reduce fear 0:00 – Intro 1:18 – What’s going on with Social Security? 2:13 – Fixes on the table 5:28 – Where fear is stemming from 9:35 – Key takeaways Social Security in 2025: Separating Fact From Fear Article: https://perspective6group.com/social-security-in-2025-separating-fact-from-fear/ Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

If you’re participating in the Medtronic Retirement Savings and Investment Plan, you already understand its value, but are you using it as effectively as possible? Unfortunately, we see some simple mistakes that can easily be avoided. Today we’ll highlight each of these avoidable missteps to make sure you’re maximizing every dollar you contribute. The Medtronic 401k is a tremendous tool to help you save for retirement, but Matt will explain how small oversights can lead to a big financial impact. He also walks through benchmarks for how much you should have saved at various ages, helping you assess whether you’re truly on track for retirement. Here’s some of what we discuss in this episode: Not contributing = missing out on thousands in company match Auto-escalation is helpful- but don’t just settle for the default Age-based catch-up contributions can supercharge your savings Outdated or missing beneficiary info can derail your estate plan 0:00 – Intro 1:00 – How company contributions work 1:30 – Mistake 1 2:19 – Mistake 2 3:05 – Mistake 3 4:03 – Mistake 4 5:34 – Mistake 5 6:07 – How much you should be saving Resources For This Episode T Rowe Price Retirement Resource: https://www.troweprice.com/personal-investing/resources/insights/youre-age-35-50-or-60-how-much-should-you-have-by-now.html#:~:text=We%20found%20that%2015%25%20of,35%20is%20a%20reasonable%20target 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/   Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

If you participate in the Medtronic 401K plan, you already know about the great company contribution you receive. Do you know if you will be able to keep all of that money when you leave though? If you’re not paying attention to the fine print, you could leave thousands of dollars on the table. Today, we’re going to break down the vesting rules and timing triggers that determine how much of your company contributions you actually get to keep. This isn’t just about retirement planning- it’s about understanding the key details that could impact your financial future if you change jobs, retire, or max out your contributions too early in the year. This is your chance to learn more about how the three-year cliff vesting schedule works, what happens if you leave before April 30 (the end of Medtronic’s plan year), and how to avoid missing out on thousands in matching and discretionary contributions. Here’s some of what we discuss in this episode: 0:00 – Intro 1:00 – How Company Contributions Work 1:42 – 3-Year Vesting 4:52 – Different Scenarios 5:50 – Quick Recap Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

Do you know if you are getting all of the contributions available to you in your Medtronic 401k? We’ve been getting a lot of questions about how to optimize the Medtronic 401K plan so we’re going to give you an advisor’s take on how it works and the settings that every employee should be checking. In this video, Matt walks through Medtronic’s three contribution types- core contributions, base match, and discretionary match- and explains why contributing at least 6% of your salary is essential to getting the full employer match. He also covers how to adjust your contribution settings, use auto-escalation, and take advantage of catch-up contributions based on your age. If you’re a Medtronic employee, make sure you watch this video and the rest of our series covering Medtronic essentials. Here’s some of what we discuss in this episode: Employer Matching Breakdown – Core, base, and discretionary contributions explained Are You Contributing Enough? – Why 6% is the magic number Auto-Escalation & Catch-Up Contributions Plan Maximums for 2025 0:00 – Intro 0:54 – Contribution Breakdown 2:41 – What’s the match worth to you? 4:02 – Check your account settings 6:15 – Max contributions in 2025 7:29 – Recap Resources for this episode: 5 Ways to Maximize Your Medtronic 401k Plan Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

With market volatility, tariffs, and policy changes shaping the 2025 economic landscape, how should investors react? Emotional investing can lead to poor decisions, which is why it’s so important to separate how you’re feeling about the news and what’s actually happening. In our first episode, Matt Nelson, CFP®, AIF®, ECA is joined by Matthew Finley, CFP® to provide an outlook on the market heading into Spring and evaluate what it could mean for your portfolio. We refer to Matthew Finley as our Chief Investment Scientist for a reason, and today we’ll reference an article he wrote to provide insight into the investment landscape heading into the coming months. We’ll discuss why volatility is expected, how tariffs and government spending cuts could impact the economy, and whether the bull market still has room to run. We’ll also dive into the AI boom, how major tech companies like Tesla, Google, and Apple are leading the way, and what this means for investors. Plus, we’ll tackle the latest employment data, inflation concerns, and geopolitical risks, to help you separate facts from feelings. Key topics we discuss: Market Volatility in 2025 – Why it’s happening & how to navigate it Bull Market Outlook – Is there still room for growth? How AI is Transforming Industries & Investments Tariffs & Government Spending Cuts Employment & Inflation Trends 0:00 – Intro 3:10 – Volatility is here 3:56 – How have our positions changed? 6:06 – Current market  8:30 – AI and its impact 13:40 – Unemployment concerns 15:35 – Policy changes Resources for this episode: Spring 2025 Market Insights: https://perspective6group.com/spring-2025-market-insights/ 2025 Market Outlook: Insights on Navigating Volatility: https://perspective6group.com/2025-market-outlook-insights-on-navigating-volatility/ Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

Taxes can be overwhelming, especially when managing stock compensation and navigating complex filing requirements. Are you maximizing your tax strategy, or are you leaving money on the table? How can you ensure accurate reporting and avoid costly mistakes? In this episode, Matt Nelson sits down with Conner Kelderman, CPA and founder of Track, to break down tax filing best practices, stock compensation complexities, and essential deadlines. They discuss common mistakes professionals make and how to optimize your tax planning for long-term financial success. We discuss: The key documents needed for tax filing, including W-2s, 1099s, and supplemental equity compensation forms How stock-based compensation like RSUs and ESPPs impact taxable income and common reporting errors to avoid The importance of understanding cost-basis adjustments to prevent overpaying on stock sales Deadlines for tax filing, estimated tax payments, and strategies for managing extensions effectively Recent IRS updates on inherited IRAs and required minimum distributions, and what they mean for future planning And more! Resources: Download Conner’s Tax Reporting Checklist: Stock Compensation SECURE Act 2.0: Catch-up Contribution Rules Looking for a Financial Advisor for MedTech Professionals? Plan Your Stock Compensation for the Year Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn     Connect with Conner Kelderman:  LinkedIn Website: Track CPA [email protected]  About Our Guest:  As a Certified Public Accountant (CPA) with over 12 years of experience, Conner has expertise in handling tax planning matters for individuals, family groups, and business entities. Conner manages the tax preparation and filing for both individuals and business entities. He also has worked extensively with clients who live/work outside of the U.S. and non-U.S. citizens living/working in the U.S.

Making informed financial decisions can be the difference between financial stress and financial independence. Are you confident in your strategy for retirement planning, tax efficiency, and leveraging workplace benefits like 401(k)s, ESPPs, and HSAs? In this episode, Matt Nelson and Matthew Finley answer real client questions, addressing topics like maximizing retirement savings, understanding investment strategies, and preparing for market changes. Their practical insights make financial planning accessible and actionable for MedTech professionals. They discuss:  How to determine the right mix of risk and conservatism for 401(k) investments, especially as retirement approaches Which accounts to withdraw from first during retirement to optimize taxes and cash flow The impact of market fluctuations on Employer Stock Purchase Plans (ESPPs) and strategies to avoid common pitfalls Why economic fundamentals matter more than political changes for long-term financial stability How to grow Health Savings Accounts (HSAs) into powerful investment tools for the future And more! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Matthew Finley: LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn

In this episode, Matt Nelson, Matthew Finley, and Jacob LaRue review the year’s highlights for Perspective 6 Group. They discuss transformative client outcomes, tax-saving strategies, and tailored financial planning approaches. Packed with insights, this episode showcases the value of personalized advice in achieving long-term goals. You’ll hear:  Reflections on client achievements, including 256 review meetings, onboarding 11 new clients, and impactful case studies Effective tax strategies, such as reviewing 143 returns and executing $1.3 million in Roth IRA conversions to secure long-term benefits Estate planning triumphs, including designing strategies to shield millions from taxation for generational wealth Portfolio performance and market strategies, leading to strong returns and reduced internal fees for clients Team growth, innovation, and the use of technology to improve client experiences and streamline operations And more! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Jacob LaRue: LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn     Connect with Matthew Finley:  LinkedIn

What drives someone to pack up and move for a career?  In this episode of The MedTech Wealth Advisor Podcast, host Matt Nelson introduces listeners to two new team members at Perspective 6 Group, Grace Hennen and Karissa McLaren.  Tune in to hear about their unique backgrounds, how they landed in the MedTech financial advising world, and why they’re both thrilled to join the team. Discover how their experiences shaped their career and life choices. During the discussion: Karissa shares how her upbringing on a Kentucky cattle farm influenced her passion for finance Grace reflects on how a love for customer service and a passion for mathematics paved her path to financial planning Both discuss the surprises and lessons learned from transitioning from academic financial concepts to real-world application Matt guides a conversation on industry progress and personal insights on how new professionals can push for even more inclusive practices  And more! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Grace Hennen: LinkedIn Connect with Karissa McLaren: LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn     About Grace Hennen: After her graduation from college in 2024, Grace began working with Perspective 6 Group as a Financial Planning Associate. Grace is passionate about financial planning and helping people achieve their goals. As an Financial Planning Associate, Grace will be responsible for ongoing financial planning analysis and research, and portfolio maintenance. In addition, Grace will assist our clients with day-to-day activities such as ensuring our financial planning data is up to date or helping clients with account-related questions. Through her work as an Advisor Support Specialist, Grace is working to gain the skills necessary to become a Financial Advisor. About Karissa McLaren: Following her graduation in 2024, Karissa McLaren began working for Perspective 6 Group as an Advisor Support Specialist. During her time in college, she discovered her passion for serving others in various capacities. That passion, coupled with her interest in finance and investments, has led her to a career in financial planning with the aspiration of becoming a licensed Financial Advisor. Karissa looks forward to learning the depths of the industry and forming relationships with clients.

How can you maximize your charitable giving while minimizing your taxes? Donor-advised funds (DAFs) might be the key. Join Matt Nelson and Jacob LaRue as they dive into the strategic world of donor-advised funds—a tool many haven’t explored yet—to enhance your charitable contributions while skillfully managing your tax savings, aligning seamlessly with your values.  They discuss:  Donor-advised funds, a powerful vehicle to maximize both your charity impact and tax benefits Practical scenarios and case studies showcasing the effectiveness of bundling contributions for greater deductions Combining strategies such as utilizing low-basis stocks or integrating Roth conversions The options for setting up lasting charitable legacies that continue giving beyond your lifetime And more! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        [email protected]  Connect with Jacob LaRue: LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn 

Are you making the most of your contributions? This week, Matt Nelson and Jacob LaRue explore the essentials of charitable giving, focusing on how to align charitable contributions with financial goals while optimizing tax savings.  The episode outlines the importance of prioritizing values over tax savings, covers key methods of giving, and provides strategies for maximizing the benefits of donations. They discuss:  The importance of prioritizing your values over tax savings when engaging in charitable giving An overview of tax considerations and limitations on charitable contributions Strategies for donating low-basis stock and how it can be more beneficial than cash donations The benefits of Qualified Charitable Distributions (QCDs) for retirees, especially those with required minimum distributions (RMDs) And more! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Jacob LaRue: LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn   

Life insurance might not be the most exciting topic, but it’s crucial for safeguarding your financial future. And the golden question is: How much life insurance is enough? We’ve got the answer this week on The MedTech Wealth Advisor Podcast. Matt Nelson and Jacob LaRue talk about how to determine the appropriate amount of life insurance coverage to meet your needs. They guide you through the purpose of life insurance, the various frameworks to determine the necessary coverage for you, and how to select the right type of policies based on individual needs.  They discuss:  The purpose of life insurance and its role in financial planning Different frameworks for calculating the necessary amount of coverage The distinction between group and personal life insurance policies How to tailor life insurance plans to unique family and financial situations. And more! Resources:     What Issues Should I Consider When Purchasing a Life Insurance Policy  Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        [email protected]  Connect with Jacob LaRue: LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn

Navigating your investment options can feel overwhelming. Especially in 2024 with inflation, interest rates, and the election on everyone’s mind. In this episode, Matt Nelson, CFP® is joined by Director of Investments for Perspective 6 Group, Matthew Finley, CFP®. Together they tackle some of the most pressing financial questions they’ve received from clients. You’ll gain insights into how economic changes and market trends impact personal finance decisions. Whether you’re looking to maximize returns or reduce financial risks, this episode offers practical answers to guide you through common investment dilemmas. They discuss:  Relevant strategies for rolling over a maturing CD and alternative options. Whether to pay cash or take out a loan for buying a home in the current financial climate. The implications of investing a large inheritance. How the upcoming election could potentially influence your investment portfolio And more!   Resources: Election Year Investing: What Investors Need to Know for 2024 Investing At All-Time Highs   Connect with Matt Nelson:     LinkedIn    Instagram        YouTube           Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn        Connect with Matthew Finley:  LinkedIn

Roth conversions offer a powerful way to provide tax-free growth and withdrawals in retirement, but success depends on careful planning.  By transferring funds from traditional IRAs or 401(k)s into a Roth IRA, you can manage taxes upfront. Allowing your investments to grow without future tax obligations. The key to maximizing these benefits lies in timing and understanding how tax brackets, estate planning, and asset allocation all play a role. Matt Nelson, CFP® and Jacob LaRue, CFP® provide insights on how to leverage Roth conversions effectively, ensuring your financial decisions align with your long-term goals. Whether you’re in your working years or nearing retirement, this episode helps you avoid common pitfalls, reduce tax burdens, and set up a strategy that benefits both you and your heirs. Key Highlights: Roth Conversion Basics: Understand the differences between conversions and contributions, and the key tax implications to look out for Tax Bracket Optimization: Learn how to time your conversions during low-income years and avoid higher taxes during your peak earning periods Asset Allocation Strategies: Discover why Roth IRAs are ideal for high-growth investments, maximizing your tax-free gains Estate Planning Benefits: Learn how Roth conversions can lower the tax burden for your heirs, especially if they are in higher tax brackets Mistakes to Avoid: Plan for estimated tax payments, and stay up to date on recent rule changes for inherited IRAs Charitable Giving Considerations: Find out why Roth conversions may not be ideal if your IRA is intended for charitable donations And much more! Resources: Ep.23: How Roth IRAs Work Article: Why Should I Consider a Roth Conversion? Chart: Should I Consider Doing A Roth Conversion? Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Jacob LaRue:  LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group Facebook LinkedIn    

Wondering how Roth IRAs give you a tax advantage? Curious about non-retirement uses like college and buying a home? This episode dives deep into the strategic advantages of Roth IRAs and their role in preparing you for your financial future. For working professionals, navigating retirement planning is critical. This episode reveals how Roth IRAs can be pivotal tools in your financial arsenal, offering benefits beyond retirement savings. Whether you’re a young investor or a high earner, understanding the nuances of Roth IRAs can lead to significant long-term gains. Join host Matt Nelson, CFP®, Managing Partner at Perspective 6 Group, and Jacob LaRue, CFP®, Head of Financial Planning, as they discuss the most effective strategies for optimizing Roth IRAs. Discover how these accounts can be leveraged not just for retirement, but also for estate planning, emergency funds, and even home purchases. Key Highlights: Roth IRA Basics: Learn how Roth IRAs differ from traditional retirement accounts, with after-tax contributions and tax-free withdrawals in retirement Strategic Contributions: Explore optimal strategies based on your lifetime tax bracket and income fluctuations to decide between Roth and traditional IRAs High Earner Strategies: Learn about Backdoor and Mega Backdoor Roth IRAs, designed to help high-income earners maximize their savings into retirement Estate Planning: Discover the benefits of using Roth IRAs in estate planning, including tax-free inheritance and the absence of required minimum distributions Non-Retirement Benefits: Uncover how Roth IRAs can fund emergencies, facilitate home purchases, and reallocate excess 529 plan funds for education And much more!   Resources: What is a Roth IRA for Kids? | Charles Schwab Should I Contribute To My Roth IRA Vs. Traditional IRA? – Flowchart Can I Make a Mega Backdoor Roth Conversion? – Flowchart Can I Make A 529 To Roth Transfer? – Flowchart Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Jacob LaRue:  LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group Facebook LinkedIn    

How do NSOs work? When are NSOs taxed? Are NSOs earned income? Get all your NSO questions answered on this episode. Unlocking the potential of your non-qualified stock options (NSOs) can be essential in achieving financial independence, particularly in the MedTech industry. Understanding the intricacies of NSOs can empower you to make informed decisions about your equity compensation and overall financial plan. Join host Matt Nelson, CFP®, and Jacob LaRue, CFP®, as they explore the strategic planning required for exercising NSOs. Learn the importance of understanding grant agreements, vesting schedules, and the overall impact on your financial plan to avoid common pitfalls like unexpected tax bills and concentration risk. Key Highlights: NSOs Overview: Gain insights into how NSOs work, including the difference between the grant price and the current stock price, as well as the significance of the vesting schedule Exercising NSOs: Explore different methods of exercise, cash vs. cashless, and understand the implications of each approach Tax Implications: Learn about the tax consequences of exercising NSOs, including ordinary income taxes on the bargain element and capital gains taxes on future gains Concentration Risk: Discover strategies to manage concentration risk, especially if a significant portion of your portfolio is tied to one company’s stock Three-Step Planning Process: Understand the process of reviewing stock plan documents, building a financial plan, and creating a game plan for exercising NSOs Withholding and Tax Planning: Identify the need for additional tax planning due to insufficient withholding on NSOs and the importance of keeping up with tax estimates to avoid penalties Practical Guidance: Early Exercise Option: Exercising NSOs early can be beneficial if the stock price is low, allowing future gains to be taxed at capital gains rates instead of income tax rates Scenario Planning: Evaluate different exercise scenarios to determine the best strategy for your financial situation, considering factors like market concentration and tax impact Regular Check-ins: Regularly review and adjust your financial plan, especially during key periods like Spring and Fall to ensure you stay on track and avoid surprises And much more!   Resources: RSUs: How do RSUs & Restricted Stock Work? What Are the Investment Decisions to Consider with RSUs? Decoding Non-Qualified Stock Options Taxation IRS.gov: Tax Withholding Estimator IRS.gov: Form W-4 – 2024 Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Jacob LaRue:  LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group Facebook LinkedIn    

Transform your assets into the life you’ve always dreamed of! In this episode of the MedTech Wealth Advisor podcast, host Matt Nelson, CFP® and Jacob LaRue, CFP® go through a real-life example in a case study. They discuss the imperative considerations and how they created a Financial Independence Plan unique to the client.  The first step is to understand the clients’ values, needs, and what exactly they want out of life. Then they can delve into the specifics of their financial picture and specific challenges, such as stock options. With all the information delivered a plan is developed to reach their short-term and long-term financial independence goals while still prioritizing the values, goals, and desired lifestyle of the client.  Also discussed is creating a “baseline scenario” to account for potential ups and downs in income and expenses. This creates a solid framework that can adapt even in the face of major life events. Tune in for a comprehensive look at what it takes to plan for your future and create your own personal Financial Freedom Statement! Key Highlights:  Understanding Core Values: Rather than working from their own ideals and processes, getting to know the client’s personal views and values is the initial guide to the planning process. Financial Freedom Statements: An overall view of a client’s financial outlook in the present and the future, as well as the options that are available to adjust their work-life balance Equity Compensation & Benefits: Don’t miss out on equity compensation not yet vested, understand all your benefits and how to maximize them. Long-Term Planning: Building a comprehensive financial independence plan looks beyond immediate spending to consider lifestyle changes, potential sabbaticals, increased travel, and other long-term goals. Baseline Scenarios: Creating an initial template with expected income and known expenses in the present and future lays a foundation for And more!   Resources: MWA Ep. 20: Financial Independence with a Lifetime Income Plan Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Jacob LaRue:  LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn    

Retirement isn’t a one-size-fits-all endeavor. Crafting a personalized income plan empowers you to prepare for financial independence and gain control of your future. Matt Nelson, CFP® is joined by Head of Financial Planning at Perspective 6 Group, Jacob LaRue, CFP®. The pair discuss the art of crafting an effective income plan that sustains your lifestyle through all of life’s stages. With an emphasis on the critical role of understanding cash flows, taxes, and diverse income sources. They offer insights to help you avoid the unnecessary stress of prolonged working years, so you can enjoy life. Key Highlights: Financial Independence: Learn to create a comprehensive income plan to support your lifestyle throughout retirement Life Phases: Explore saving and spending strategies tailored to the three stages of life Tax Strategies: Plan for taxes as an expense over your lifetime Practical Planning: Utilize tools budgeting tools to track spending and income, as well as retirement tools to ensure you are on track Investment Insights: Leverage your portfolio to fill income gaps to optimize pension and Social Security benefits to protect long-term stability  Enjoying Life: Financial planning should empower you to enjoy life, including taking sabbaticals or mini retirements And much more! Tune in to secure valuable insights and practical advice on working towards financial independence and crafting an effective income plan.   Resources: Key Retirement Dates & Retirement Checklists Safe Withdrawal Rates YNAB.com MonarchMoney.com Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Jacob LaRue:  LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group LinkedIn    

Ready to explore cutting-edge MedTech innovation and its career impact?  Matt Nelson, CFP®, and Frank Jaskulke, the now former VP of Innovation at Medical Alley, join together to discuss how Medical Alley drives healthcare advancements. Celebrating 40 years in 2024, Medical Alley has led initiatives like the angel investor tax credit and the Medical Device Innovation Consortium, cementing Minnesota as a MedTech hub. Frank shares invaluable insights on Medical Alley’s history, mission, and industry impact for professionals and entrepreneurs. Key Highlights: Collaborative Ecosystem: How Medical Alley unites medical device companies, hospitals, insurers, and supply chains to foster innovation and public health outcomes MDIC’s Role: Bringing together FDA scientists and industry experts to enhance product safety, efficacy, and approval processes Angel Investor Tax Credit: Boosting innovation with a 25% refund on investments in Minnesota-based high-tech startups Healthcare Digitization: Exploring digital transformation to reduce costs, improve quality, and address rising healthcare expenses Medical Alley Starts: Supporting entrepreneurs with resources to connect with investors, partners, and talent, accelerating innovation Career Development: Networking and execution advice for newcomers to enhance career opportunities within Medical Alley International Expansion: Bringing global innovations to Minnesota to further enhance the state’s MedTech industry Tune in for actionable advice and insights into the factors shaping MedTech innovation and career development.   Resources: Book: The Innovator’s Dilemma by Clay Christensen Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Perspective 6 Group:        Perspective 6 Group Facebook LinkedIn     Connect with Frank Jaskulke:  LinkedIn: Frank Jaskulke Website: MedicalAlley.org The Medical Alley Podcast   About Frank Jaskulke:  As the Vice President of Innovation at Medical Alley, Frank Jaskulke played a crucial role in driving the nonprofit association’s mission to make Minnesota the epicenter of health innovation and care. With a robust background in supporting MedTech startups and fostering industry collaboration, Frank’s leadership has been instrumental in launching initiatives like the Medical Device Innovation Consortium and the angel investor tax credit, significantly impacting the MedTech landscape. Since recording, Frank has moved on from Medical Alley to another opportunity.

Have you planned how your assets will be handled after you’re gone? Building on foundational estate planning strategies, this episode of the MedTech Wealth Advisor Podcast, hosted by Matt Nelson, CFP® with guest Jen Santini, J.D. gets into advanced estate planning strategies for MedTech professionals and entrepreneurs. They explore the critical roles of wills and trusts for asset distribution after death and incapacity planning. With a breakdown of the three types of trusts and what might be the best option for you. This conversation aims to simplify estate planning as an integral part of both professional and personal financial management. Key Highlights: Wills and Trusts: Matt and Jen emphasize the key roles of wills and trusts in avoiding state-enforced asset distribution and in managing assets effectively after death or during incapacity Living Revocable Trusts: The episode underscores the importance of living revocable trusts for property owners across multiple states or those with complex family situations like blended families, ensuring adaptive asset control Trust Types Explained: Jen distinguishes between revocable and irrevocable trusts, highlighting their advantages and limits with a focus on asset protection and tax implications Tax Planning with Trusts: They explore strategic tax planning with trusts to maximize tax benefits and preserve estate value, particularly effective in high-tax states Elder Care and Asset Protection: The significance of early planning for elder care and asset protection is discussed, aiming to solve asset transfer issues and maintain eligibility for public benefits Planning for Minor Children and Heirless Estates: The necessity of appointing trustworthy guardians and trustees is highlighted, focusing on protecting the financial futures of minors and managing estates without direct heirs And much more! Tune in to gain actionable advice and ensure your estate planning aligns with your wishes, safeguarding your legacy for the future.   Resources: MWA Ep. 17: Fundamentals of Estate Planning with Jen Santini Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Perspective 6 Group:        Perspective 6 Group Facebook LinkedIn     Connect with Jen Santini:  LinkedIn: Jen Santini Website: SykoraSantini.com   About Jen Santini:  From an early age, Jen knew she wanted to go to law school. Not because she came from a family of attorneys but because she enjoyed solving problems and helping others. Being a lawyer was a way to combine her passions. However, she did not expect that she’d ultimately practice primarily as a trusts & estates attorney.  Prior to forming Sykora & Santini PLLC, Jen spent the majority of her professional career in the financial services industry in Boston. During law school, Jen worked in the legal department at Putnam Investments and then transitioned to MFS Investment Management. At both companies, she focused on legal matters complying with SEC, FINRA and state regulations. In addition, Jen has worked on corporate governance matters, such as reorganization of departments, rebranding of products, and mergers and acquisitions. Upon graduation from law school, Jen moved to the Twin Cities. She did not intend to start her own firm but partnering with Jayne to do so has been one of her best decisions. She loves working with people and enjoys learning about her clients’ life stories – both personally and professionally. 

Did you know you have an estate plan whether you know it or not?  Uncover the critical importance of choosing the right proxies in estate planning with professional guidance on this episode of the MedTech Wealth Advisor Podcast. Matt Nelson discusses the fundamentals of estate planning with Jen Santini, an esteemed leader within the Minnesota State Bar Association. Throughout the episode, Santini unravels the complexities of estate planning, providing structured strategies and emphasizing its necessity for everyone, not just the wealthy. Key Highlights: Estate Planning Essentials: Santini stresses the broad scope of estate planning, including vital preparations for unexpected incapacitation Choosing the Right Proxies: The discussion spotlights typical mistakes in proxy selection, advocating for choices that reflect personal values instead of defaulting to family hierarchies Understanding Power of Attorney: Santini dispels common myths surrounding POA, focusing on spousal rights and the scope of responsibilities Complexities of Guardianships and Beneficiaries: Insights into the delicate issues of nominating guardians and beneficiaries underscore the critical role of wills Call to Proactive Planning: The episode wraps up with a persuasive call to action for listeners to actively engage in their estate planning to avoid legal and familial complications And much more! Tune in to gain actionable advice and ensure your estate planning aligns perfectly with your wishes, safeguarding your legacy for the future.   Resources: Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Perspective 6 Group:        Perspective 6 Group Facebook LinkedIn     Connect with Jen Santini:  LinkedIn: Jen Santini Website: SykoraSantini.com   About Jen Santini:  From an early age, Jen knew she wanted to go to law school. Not because she came from a family of attorneys but because she enjoyed solving problems and helping others. Being a lawyer was a way to combine her passions. However, she did not expect that she’d ultimately practice primarily as a trusts & estates attorney.  Prior to forming Sykora & Santini PLLC, Jen spent the majority of her professional career in the financial services industry in Boston. During law school, Jen worked in the legal department at Putnam Investments and then transitioned to MFS Investment Management. At both companies, she focused on legal matters complying with SEC, FINRA and state regulations. In addition, Jen has worked on corporate governance matters, such as reorganization of departments, rebranding of products, and mergers and acquisitions. Upon graduation from law school, Jen moved to the Twin Cities. She did not intend to start her own firm but partnering with Jayne to do so has been one of her best decisions. She loves working with people and enjoys learning about her clients’ life stories – both personally and professionally. 

What drives a financial planner to focus on factors beyond the numbers? In this week’s dialogue on the MedTech Wealth Advisor Podcast, host Matt Nelson, CFP®, AIF®, ECA welcomes Jacob LaRue, CFP®, a pivotal team member whose personal and professional journey offers a unique perspective on the financial planning landscape. Growing up in a Chicago suburb, Jacob’s early life lessons in integrity, teamwork, and diligence have deeply influenced his financial advisory approach. Key Highlights: Values at the Core: Reflecting on his family’s entrepreneurial background, Jacob explains how these moral and ethical standards have become the cornerstone of his professional life Educational and Career Evolution: Jacob traces his journey from an aspiring baseball player to a dedicated financial planner, emphasizing the critical courses and extracurriculars at Western Kentucky University that shaped his path Focus on Clients: Jacob details his commitment to ethical, client-oriented advising, shaped by handling diverse client situations and focusing on personalized financial plans Empathetic Advising: He stresses the importance of recognizing clients’ backgrounds and motivations, blending analytical skills with empathy to tailor advice effectively Life Beyond Numbers: Jacob shares personal stories, including how he met his wife in a financial planning class, illustrating how personal and professional lives intertwine Resilience in Practice: Sharing a mantra from his baseball days, Jacob highlights the role of resilience and optimism in overcoming professional challenges Explore these insights and more to understand the profound impact of personal values and professional integrity in the world of financial planning.   Resources: Listen to Jacob’s breakout role on the podcast: MWA Ep. 8: How Do RSUs & Restricted Stock Work? (Part 1) Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Jacob LaRue:  LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group Facebook LinkedIn    

What does it take to transform an industry? Matt Nelson, CFP® explores the meaningful world of MedTech innovation with Omar Khateeb, a pioneering entrepreneur in the medical device industry. From his beginnings as a medical student to founding a consulting firm that drives digital marketing strategies for MedTech startups. Omar’s journey is a testament to the power of entrepreneurial spirit and risk-taking. Learn innovative approaches to setting new industry standards and tips to enhance market engagement. Key Highlights: From Academics to Entrepreneurship: Omar shares his pivotal shift from medical studies to revolutionizing MedTech sales Revolutionizing Marketing: Learn how Omar’s advanced digital marketing rejuvenates MedTech startup sales Navigating Entrepreneurial Challenges: Discover how Omar overcame startup challenges with limited resources and resilience Strategic Innovation: How using risks as opportunities to carve niches in untapped markets Scaling Impact: Omar emphasizes solving big problems to amplify industry impact Digital Networking: Explore how LinkedIn enhances visibility and builds connections in MedTech And much more!   Resources: Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! In MedTech & experiencing industry related financial questions? Learn more here: Looking for a Financial Advisor for MedTech Professionals? Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Perspective 6 Group:        Perspective 6 Group Facebook LinkedIn     About Omar M. Khateeb:  Omar M. Khateeb started a company with one mission: change how MedTech companies sell and market to physicians. That starts with teaching how to persuade at scale and drive product adoption using social media. He’s not a guru and he doesn’t have a grand theory. Instead, there’s vision backed by experience and research. Omar knows how to do it because he’s done it, so he can show you how. LinkedIn Website Podcast

Is your portfolio designed for sustained growth without succumbing to market speculation? Join us for a compelling episode of The MedTech Wealth Advisor Podcast. Host, Matt Nelson, CFP® welcomes back Matthew Finley, CFP®. The pair dive into tailored investment strategies that guide their business. This discussion emphasizes consistent, disciplined investment approaches over speculative, high-risk tactics often highlighted by the financial media. Discover strategies that could enable stable returns to support your financial future. Key Highlights: Commitment to Long-Term Growth: Leverage the power of compounding returns in robust global economies Priority on Liquid Investments: Why Perspective 6 Group focuses on publicly traded investments that offer predictable, consistent returns Balanced Alternative Investments: The strategic role of alternatives like private equity and real estate in complementing a strong market foundation Weighing Risk and Stability: A look at the risks of speculative assets versus the stability and inflation protection offered by equities Informed Portfolio Adjustments: How strategic tweaks during market shifts can enhance long-term outcomes without derailing financial goals Customized Retirement Strategies: Tailor retirement plans to meet long-term growth and immediate income needs effectively Dispelling Investment Myths: Debunk common myths and highlight the growing importance of technology in investment portfolios Explore these insights and more to learn about building a resilient investment strategy.   Resources: Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! Read more on Perspective 6 Group’s Investment Philosophy here. Connect with Matt Nelson:     LinkedIn    Instagram        YouTube         Connect with Matthew Finley:  LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group Facebook LinkedIn     Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

Can a background in medicine and microbiology revolutionize financial advising? Discover the remarkable transformation of Matthew Finley, CFP®, Partner & Senior Financial Advisor at Perspective 6 Group. From an aspiring doctor to a successful financial advisor, this is a fascinating episode of The MedTech Wealth Advisor Podcast. Join our host, Matt Nelson as he dives into Matthew’s unique journey, highlighting how personal values and pivotal life decisions can profoundly shape one’s career in financial management. Key Highlights: Pivotal Career Shift: Dive into Matthew’s decision to move from aspiring doctor to financial advisor, a choice influenced by his quest for work-life harmony Early Inspirations: Discover how Matthew’s grandfather, an astute investor, ignited his passion for finance Diverse Career Journey: Trace Matthews’s path from microbiology research to thriving in the dynamic world of business finance and eventually finding his calling in financial advising Resilience During Financial Crisis: Learn about Matthew’s strategic approach to financial advising during challenging times, including the 2008 recession and recent economic fluctuations Empathetic Client Relationships: Understand how Matthew’s background enables him to relate to clients seeking honest and compassionate financial advice The Man Behind the Advisor: Peek into Matthew’s personal life, from his achievements in distance running to cherishing moments with his family and the great outdoors Wisdom for Aspiring Advisors: Listen to Matthew’s insights on pursuing a financial career passionately while maintaining a balance with personal life And much more!   Looking Ahead:  Gear up for an inspiring conversation on the Perspective 6 Group investment philosophy in the next episode, where Matthew and Matt will share how diverse life experiences enrich financial decision-making and strategy formation.   Resources: Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! Connect with Matt Nelson:   LinkedIn  Instagram      YouTube      Connect with Matthew Finley:   LinkedIn  Connect with Perspective 6 Group:       Perspective 6 Group      Facebook      LinkedIn     

Could you be avoiding the common mistakes made with RSUs? The MedTech Wealth Advisor Podcast culminates its RSU series with a compelling finale. Hosted by Matt Nelson, CFP® and guest Jacob LaRue, CFP® (can we even call him a guest anymore?). They continue building on the foundational knowledge from Parts 1 and 2, digging deeper into the strategic management while pointing out specific mistakes to avoid. Key Highlights: In-Depth RSU Insights: Dive into a detailed exploration of grant and vesting triggers, uncovering common misunderstandings and their costly consequences Strategic Selling Post-Vesting: Learn the art of selling RSUs and how to strategically align sales with personal financial goals and market timing Navigating Tax Complexities: Unravel the intricacies of RSU tax withholding, learning strategies to manage supplemental rates and avoid tax liability surprises Mitigating Early Termination Risks: Understand how employment changes can affect RSU vesting and discover tactics to protect your assets Real-Life Impact: Julie’s story, a cautionary tale of financial loss due to inadequate RSU management, is dissected – offering valuable lessons for all MedTech professionals And much more!   Resources: IRS.gov: Tax Withholding Estimator IRS.gov: Form W-4 – 2024 What Are the Investment Decisions to Consider with RSUs? MWAP Ep. 8: How Do RSUs & Restricted Stock Work? MWAP Ep. 10: How to Transform RSUs into Wealth Connect with Matt Nelson:     LinkedIn    Instagram        YouTube        Connect with Jacob LaRue:     LinkedIn     Connect with Perspective 6 Group:         Perspective 6 Group        Facebook        LinkedIn     

Limits, Contributions, Deductions – Do you know the critical updates for each in 2024? Join Matt Nelson, CFP® & Jacob LaRue, CFP® in the latest episode of the MedTech Wealth Advisor Podcast. Together they share insights for professionals and entrepreneurs, providing essential tax planning strategies and contribution limits to set you up for success this year. Key Highlights: 2024 Contribution Limits: Discover updated limits for 401(k)s and HSAs, explained for different age groups Optimal Contribution Strategy: Learn how to strategically prioritize contributions to maximize benefits Comprehensive 401(k) Limits: Gain insights into the total contribution limits, encompassing all sources Pre-Tax vs. Roth Contributions: Understand the combined contribution limits for different 401(k) types Tax Bracket Tactics: Explore how to utilize tax brackets for efficient contribution strategies Income Phase-Outs: Learn how rising income affects eligibility for savings plans Social Security and Medicare Planning: Get strategies for managing benefits and premiums based on income and age Capital Gains and Deductions: Master tactics for high earners to optimize taxes and deductions And much more!   Resources: Blog Post: Key Retirement Plan Contribution Limits for 2024 Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you!  Connect with Matt Nelson:    LinkedIn   Instagram       YouTube       Connect with Jacob LaRue:    LinkedIn    Connect with Perspective 6 Group:        Perspective 6 Group       Facebook       LinkedIn    

Are Restricted Stock Units (RSUs) just a fancy bonus, or a wealth-building tool? Building on the foundational knowledge from Part 1, this episode of the MedTech Wealth Advisor Podcast digs deeper into the strategic management of Restricted Stock Units (RSUs). Join host Matt Nelson and financial planner Jacob LaRue as they further explore the nuances of RSUs, offering advanced strategies for professionals looking to fine-tune their financial strategy. Key Discussion Points: Balancing RSUs with Overall Financial Goals: Matt and Jacob discuss integrating RSU strategies with broader financial plans, emphasizing diversification and risk management Tax Optimization Techniques: Detailed exploration of how to minimize the tax impact of RSUs, including alignment with other financial events and tax strategies RSUs in Changing Market Conditions: Insights into managing RSUs amidst stock market volatility, including tactics for when to hold or sell Long-term RSU Planning for Career Moves: Strategies for handling RSUs during job transitions, including considerations for public versus private company RSUs And much more!   Resources: Do you have a topic you’d like to learn more about on this podcast? Send us an email at [email protected] to let us know. We look forward to hearing from you! Mastering Restricted Stocks and RSUs Part. 1 (Ep. 8) What Are the Investment Decisions to Consider with RSUs? – Perspective 6 Group Connect with Matt Nelson:   LinkedIn  Instagram      YouTube      Connect with Jacob LaRue:   LinkedIn   Connect with Perspective 6 Group:       Perspective 6 Group      Facebook      LinkedIn     

What does the 2024 economic forecast mean for your financial future?  Listen in as host Matt Nelson welcomes Matthew Finley to unravel the complexities of today’s economy. Together they offer valuable insights into the current economic landscape, guiding listeners through equity compensation, market predictions, inflation trends, and pragmatic investment strategies. Navigating the Market Outlook: Why long-term market engagement trumps timing Decoding Inflation: A deep dive into inflation trends and the Federal Reserve’s objectives Market Valuations and Economic Growth: Analyzing S&P 500 valuations and corporate earnings projections Balancing Interest Rates, Geopolitical Risks, and Election Outcomes: The interplay between savings and borrowing in the current economy Crafting Your Investment Strategy: Tailoring short and long-term investment plans. The importance of informed, emotion-free decision-making And much more!   Resources: Reflecting on 2023: Market Insights and 2024 Outlook Connect with Matt Nelson:  LinkedIn Instagram     YouTube      Connect with Matthew Finley:  LinkedIn Connect with Perspective 6 Group:        Perspective 6 Group       Facebook       LinkedIn      

Have you been offered stock options at your company, but aren’t sure how to proceed? Explore the intricate world of Restricted Stocks and Restricted Stock Units (RSUs) with experts Matthew Nelson and Jacob LaRue in this enlightening MedTech Wealth Advisor episode. Designed specifically for professionals in the MedTech sector, this comprehensive discussion unravels the complexities of these essential equity compensation options and their significant role in shaping financial strategies within the industry. Key Highlights: Introduction to RSUs: Understanding their role as a common form of equity compensation and the basics of how they work Vesting and Taxation: Insights into vesting schedules, the implications of taxation at vesting, and the differences in withholding methods Valuing RSUs: Expert tips on calculating RSU value and the importance of comprehending company-specific documentation Navigating RSU Challenges: Discussing the unique challenges faced by private company RSU holders and strategies for effective management Maximizing RSU Benefits: Practical advice on leveraging RSUs for financial growth, including vesting acceleration and managing value fluctuations And much more!   Resources: Harvard Business Review: Articles on Equity Compensation Should I Hold My RSUs After Vesting? – Perspective 6 Group Connect with Matthew Nelson:   LinkedIn  Instagram      YouTube      Connect with Jacob LaRue:   LinkedIn   Connect with Perspective 6 Group:       Perspective 6 Group      Facebook      LinkedIn

Are you making the most of Employee Stock Purchase Plans (ESPPs)?  From the intriguing to the unexpected, Matt Nelson, CFP® guides MedTech professionals through the intricacies and strategic use of ESPPs in this insightful episode. He sheds light on how ESPPs, often an underutilized benefit, can significantly impact financial well-being, especially in the MedTech industry. Key Highlights: Unlocking ESPP Secrets: Discover the intricate workings of ESPPs, the ‘look back’ feature and its impact on stock purchasing The Art of Profitable Stock Buying: Learn how purchasing stocks at a discount can yield substantial financial returns, with real-life examples to illustrate Navigating the Tax Maze of ESPPs: Gain expert insight on ESPP tax complexities and learn how holding periods affect tax rates Strategic Stock Selling: Rethink the necessity of holding stocks with insights on when to sell for optimal tax benefits Maximizing ESPP Contributions: Understand how to effectively manage finances for ESPP contributions, and how they differ from traditional 401(k) plans The Double-Edged Sword of ESPPs: Explore the risks and tax complications associated with ESPPs and learn how to navigate them wisely Tailoring ESPPs to Your Financial Goals: Learn how to align ESPPs with your financial objectives, whether it’s for significant purchases or long-term planning And much more!   Resources: Companies with ESPPs Fidelity ESPP Global Shares ESPP Connect with Matt Nelson:  Perspective 6 Group LinkedIn  YouTube     Connect with Perspective 6 Group:       Perspective 6 Group      Facebook      LinkedIn     Connect with Jacob LaRue:  LinkedIn

Ever wondered if your 401(k) could do more? Unlock the full potential of your 401(k) with financial planning professional Matt Nelson in this episode of “The MedTech Wealth Advisor Podcast”. Tailored for MedTech professionals and entrepreneurs, this episode is loaded with insights into optimizing your 401(k) retirement plan. Key Highlights: Maximizing Contributions: Unearth the secrets to accessing ‘free money’ via employer matches Navigating Contribution Types: Journey through the complexities of different contribution types and how they impact your financial future Balancing for Future Tax Gains: Master the strategy of aligning contributions to reap maximum tax benefits down the line Exploring Employer Matches: Dive into the lesser-known aspects of employer matches and their potential to significantly bolster your retirement savings The Early Bird Advantage: Understand why initiating your 401(k) contributions early can lead to a more prosperous retirement And much more!   Resources: 2024 Important Numbers 5 Ways to Max Out Your Medtronic 401k Plan Connect with Matthew Nelson:   LinkedIn    Instagram    YouTube    Connect with Perspective 6 Group:   Perspective 6 Group    Facebook    LinkedIn