For many professionals at publicly traded companies, owning company stock can feel like a natural extension of pride and loyalty in the work you do. But when it comes to your 401K (often your largest long-term financial asset) adding company stock may introduce more risk than you realize.

In this episode of Practical Cents, Cullen breaks down why concentrating too much of your retirement savings in your employer’s stock can become a double-exposure problem… where your job, benefits, and retirement security all depend on the same company’s performance.

In This Episode, We Cover:

• Why loyalty to your employer can unintentionally drive investment decisions

• How your salary, benefits, healthcare, and retirement plan are already tied to one company

• What happens when a company’s stock declines (hint: it’s rarely just the stock price)

• Historical examples where concentrated retirement holdings had devastating outcomes: Enron, Cisco, Intel, GE, Recent corporate reorganizations (ex: Merck)

• A simple question to guide your 401(k) allocation decisions moving forward

If most of your financial life is already connected to one employer, adding concentrated stock exposure may increase your vulnerability (especially during market downturns or corporate restructuring).

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Connect With Cullen:

Cullen Martin, CFP®

Financial Planner, Presilium Private Wealth

Email: Cullen@presiliumpw.com

LinkedIn: https://www.linkedin.com/in/cullen-martin-cfp%C2%AE-81218ab2/ Meet Cullen: https://www.presiliumpw.com/team_member/cullen-martin-cfp/

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This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.

The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.

Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.