Presilium Private Wealth

It’s not just what you earn—it’s what you keep. In this episode of Financial Planning Friday, Jerry Davidse breaks down the "silent wealth killers" in retirement: Taxes. While investment returns get all the headlines, tax planning is often where the battle for long-term wealth is actually won (or lost). Jerry walks through the three most common tax mistakes retirees make—from mismanaging RMDs to a...

Healthcare can make or break your retirement plan. In this episode of Practical Cents with Cullen Martin , we tackle one of the biggest myths in retirement planning — that you have to wait until age 65 to retire because of health insurance. 💡 Cullen explains how healthcare fits into your financial plan , what alternative options exist before Medicare , and how strategic planning with Move Health...

In this conversation, Jerry Davidse emphasizes the significance of achieving consistent returns in investing rather than focusing solely on high returns. He illustrates how different portfolios with the same average return can yield vastly different outcomes due to volatility. By promoting consistency through diversification, regular rebalancing, and avoiding trendy investments, investors can enha...

As you approach age 65 , taxes become even more important to your overall financial plan. A new tax act introduces an additional $6,000 deduction for taxpayers aged 65 and older — but qualifying for it isn’t automatic, and the phase-out rules can significantly impact who benefits. In This Episode, We Cover: What the new $6,000 deduction means for taxpayers turning 65 between 2026 and 2028 Why the...

Did our predictions for 2025 come true? In this episode of Financial Planning Friday, Jerry Davidse looks back at our "2025 Market Outlook" to see how our three biggest questions stood the test of time. From a historic market crash triggered by new tariffs to the surprising resurgence of international stocks, 2025 was a wild ride. We break down the data, review the S&P 500's performance, and e...

As you’re setting your New Year’s resolutions for 2026, Jerry Davidse breaks down why an updated financial plan matters more than ever—especially if markets stay volatile. Think of your financial plan like GPS: you can reach your destination without it, but it’s harder, takes longer, and usually leads to worse results. In this video, Jerry walks through the four core components Presilium includes...

Today we’re highlighting one of the most underrated tools in financial planning: 👉 The Taxable Brokerage Account Retirement accounts like 401(k)s and IRAs are great — but taxable brokerage accounts offer flexibility and tax advantages that can give you more control over your financial life. In This Episode, Brian Breaks Down: • Unlimited Contributions No income limits. No contribution caps. Inves...

Today, we’re digging into one of the most common and most important retirement questions: How much can I safely withdraw each year without running out of money? You may have heard of the 4% Rule , introduced in 1994 by financial researcher William Bengen — but today’s markets, interest rates, and retirement lifestyles look very different than they did then. Which means the right withdrawal strateg...

As we close out the first year of President Trump’s second term, markets have once again proven just how unpredictable they can be. From steep drops to near record highs, volatility has defined the year — but what does history tell us about what comes next? In this episode of Financial Planning Friday, Jerry Davidse, CFP® reviews market trends from past presidential cycles and explains what invest...

In this episode, Brook Hart discusses the critical differences between the mindsets of entrepreneurs and employees, emphasizing the need for clarity, structure, and guidance in the workplace. He outlines how leaders can set clear expectations and metrics to enhance employee performance and satisfaction. The conversation highlights the importance of communication and understanding the 'why' behind...

The season of giving is here, but thanks to upcoming tax law changes taking effect in 2026, when and how you give has never been more critical. In this episode of Practical Cents, Cullen Martin breaks down the new rules for charitable deductions. Whether you itemize your taxes or take the standard deduction, the strategy has shifted. For some, giving in 2025 is the smart move. For others, waiting...

This Christmas, Jerry Davidse shares a powerful wealth-building strategy that any family can consider — how a single $19,000 gift today could grow into more than $4 million over a child’s lifetime. In this episode, Jerry explains the math behind long-term compounding, why early gifting can shape your children’s financial future, and how intentional planning can pass down not just wealth — but wisd...

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

In this episode, Jerry Davidse, CFP® , breaks down one of the most common investing mistakes: believing “this time is different.” Each year brings new crises, headlines, uncertainty, and reasons to feel nervous about markets — but history shows that long-term discipline and staying invested have consistently rewarded patient investors. Jerry reviews 20+ years of major global and economic events an...

As we celebrate Thanksgiving, Jerry Davidse reflects on a year of change, resilience, and growth — from navigating market volatility to celebrating the successes of Presilium’s clients. Jerry shares his gratitude for the trust clients place in the team and the many introductions received this year, while looking ahead to an even brighter 2026. At Presilium Private Wealth, our mission remains clear...

In this week’s episode, Jerry Davidse, CFP® , shares something personal — each year on his birthday, he takes a fresh look back at the major global, political, and economic crises that occurred during every year of his career. If you lived through them, you remember how real and concerning each one felt at the time. Yet despite headlines, uncertainty, and constant “this time is different” narrativ...

In this month's edition of the Big Question, Brook Hart delves into the complexities of health care expenses, a major concern for retirees. Discover how partnering with Move Health can help you make informed decisions about your health benefits, ensuring better long-term outcomes. Key Points: Health care expenses are a significant concern for retirees. Importance of making informed decisions about...

In this episode, Brian Henrysen explores smart strategies to help minimize taxes in retirement. Learn how to plan ahead, understand how different income sources are taxed, and discover how tools like Roth conversions, donor-advised funds, and qualified charitable distributions (QCDs) can support your long-term financial goals. Key Takeaways: 💰 Understand how different income sources are taxed in...

Every business hits a point where additional capital might seem necessary — to survive, to grow, or to seize an opportunity. But simply needing money doesn’t mean you should take it from just anyone, or on any terms. In this month’s episode of Building Value, we break down one of the most misunderstood parts of running and scaling a company: raising outside capital. Whether your business is early-...

In this episode, Jerry Davidse breaks down what risk truly means in investing — and why the greatest danger isn’t market volatility, but permanent loss of capital . He explains how Presilium Private Wealth builds portfolios designed to weather volatility and capture long-term market growth through index-based ETFs and disciplined diversification . If market ups and downs make you uneasy, this conv...

In this episode, Jerry Davidse of Presilium Private Wealth breaks down one of the most overlooked parts of retirement planning: building a financial cushion to help protect your investment accounts during market downturns. Market declines can happen suddenly and without warning — and history shows that drops of 20% or more have occurred multiple times since 1980. For retirees who rely on their por...

When retirement finally arrives, one of the biggest financial decisions you’ll face is what to do with your pension. In this episode, Brian Henrysen breaks down your payout options, the financial implications, and how each choice affects your retirement income and legacy planning. Whether you’re deciding between a lump sum, monthly annuity, or direct rollover, this conversation will help you appro...

Don’t let December sneak up on you. Jerry Davidse shares five essential year-end planning moves to review — including tax-law updates, retirement accounts, and charitable strategies — all designed to help you make informed decisions before December 31. Key Takeaways: Tax law swaps can capture taxable losses to offset gains. Review investments in taxable accounts for temporary downturns. Carry forw...

In this episode, Jerry Davidse of Presilium Private Wealth breaks down one of the most overlooked parts of retirement planning: building a financial cushion to help protect your investment accounts during market downturns. Market declines can happen suddenly and without warning — and history shows that drops of 20% or more have occurred multiple times since 1980. For retirees who rely on their por...

Cyber attacks are on the rise — are you protected? In this episode, Brook Hart breaks down essential cybersecurity strategies to keep your data, finances, and identity safe. Learn how to strengthen your password security, set up multi-factor authentication, safely use VPNs, and even freeze your credit to defend against identity theft. Whether you’re managing sensitive client data or just want bett...