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.

In this video, Jerry Davidse challenges the common investor desire to wait for market clarity before investing. He reveals why holding cash during uncertain times, while seemingly safe, can be one of the most expensive long-term mistakes. Jerry shows that the stock market anticipates future events and rewards consistent patience, not attempts to perfectly time the rebound. He emphasizes that the most successful approach is a disciplined, long-term strategy aligned with your personal goals at Presilium.

In this episode:

• Why waiting for market clarity is a remarkably expensive investment strategy over time.

• The stock market is forward-looking and does not reward certainty or good news.

• Historically the market's strongest days often occur amid high fear and negative headlines.

• Clarity and safety often arrive only after market prices have already risen significantly.

• The risk of waiting for certainty involves missing the crucial rebound after a decline.

• Missing just a few of the best market days can severely damage your long-term returns.

• A powerful example illustrating the significant cost of sitting on the sidelines since 1950.

• Presilium builds successful portfolios based on your goals not short-term market predictions.

• Focus on a disciplined long-term investment strategy instead of chasing market perfection.

Staying invested is what truly builds wealth over time, while waiting for clarity often leads to buying after the recovery has already occurred. The market rewards patience, and a disciplined investment plan will serve you better than trying to predict the next six months.

#investing #stockmarket #financialplanning #presilium #wealthmanagement #longterminvesting #marketvolatility #patience

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Connect With Jerry: Jerry Davidse, CFP®

CEO, Presilium Private Wealth

Email: jerry@presiliumpw.com

LinkedIn: https://www.linkedin.com/in/jerrydavidse/ Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio

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

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

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

In this episode, Brook introduces the Code Manager program at Presilium, a unique structural approach designed to revolutionize the way clients experience financial planning. We dive into why moving away from the "solo advisor" model toward a co-manager system is essential for providing long-term security. By integrating multiple advisors into every relationship, Presilium ensures that no client is ever left without expert guidance due to an advisor’s vacation, life change, or retirement.

In this episode:

• The Code Manager Program: A deep dive into why Presilium utilizes a team-based approach to wealth management.
• The Safety Net of Co-Managers: How having multiple advisors ensures your financial care remains uninterrupted.
• Continuity in Financial Planning: Protecting your long-term strategy against life changes and transitions.
• Elevated Decision-Making: Why team dynamics and diverse perspectives lead to higher quality outcomes for clients.
• Balancing Advisor Wellness and Client Care: How the co-manager structure allows advisors to recharge without compromising service.

The Code Manager program at Presilium ensures that your financial journey is supported by a dedicated team rather than a single point of failure. This collaborative approach provides the consistency and peace of mind necessary to build a lasting relationship rooted in trust.

#FinancialPlanning #CodeManager #Presilium #ClientExperience #TeamDynamics #Continuity #WealthManagement #FinancialAdvisors

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Connect With Brook:

Brook Hart, CFP®, CEPA®

President & CCO, Presilium Private Wealth

Email: Brook@presiliumpw.com

LinkedIn: linkedin.com/in/brook-hart Meet Brook: https://www.presiliumpw.com/team_member/brook-hart-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.