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.

Every year, Wall Street strategists release S&P 500 price targets predicting where the market will finish by year-end. These forecasts come from highly credentialed teams with massive research budgets and yet, they frequently miss by a wide margin.

In this video, Jerry Davidse breaks down a table of Wall Street strategist forecasts vs. actual S&P 500 results going back to 2000, showing just how different reality can be from prediction. Some years the market surges when forecasts call for modest gains. Other years strategists predict strong returns, and the market drops sharply.

Jerry highlights why these misses happen: markets don’t move in neat, predictable lines over short time periods. They’re influenced by geopolitical events, shifts in investor sentiment, natural disasters, and other surprises no one can forecast consistently.

Key Takeaways

• Wall Street price targets are often educated guesses, not dependable roadmaps

• Forecasts vs. outcomes can look dramatically different year to year

• The average forecast “miss” in the data shown is 14.1% per year

• Short-term markets are driven by surprises: geopolitics, sentiment shifts, disasters, and unforeseen events

• A stronger approach is preparation over prediction

• Diversification and a long-term plan help reduce dependence on any single forecast

That’s why the focus shouldn’t be prediction. It should be preparation. At Presilium, the goal is to help clients build long-term financial plans and diversified investment strategies designed to weather whatever comes next.

If you’re tired of confusing headlines and market targets, this episode will help you reframe the real question: What’s your plan if the market doesn’t do what the experts predicted?

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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.

If you’re a few years from retirement and your 401(k) has become your biggest financial asset, one question starts to matter a lot more: “Am I actually confident in how this money is invested?” In this episode, Cullen talks directly to near-retirees who saved diligently but haven’t consistently reviewed their 401(k) investment strategy… when there’s less time to recover from major mistakes. The big message: before you obsess over funds and allocations, you need a plan that connects your investments to your goals.

Key Takeaways:

• As retirement gets closer, big investing mistakes are harder to recover from.

• Investments matter, but they’re only one part of your retirement strategy.

• A financial plan helps determine: safe withdrawal amounts, downside “cushion” in market downturns, and what may be left for loved ones.

• Your goals should drive your allocation—not generic rules based on age or income.

• A regularly reviewed plan keeps your strategy aligned as life changes year to year.

If you’ve been quietly wondering whether your 401(k) is invested as well as it could be, this is your reminder to zoom out and start with the bigger picture: your goals, your retirement timeline, and the role this money needs to play for your family. Cullen emphasizes that the plan creates the destination, and once you have that clarity, you can build an investment approach designed to support you through retirement, not just into it.

#RetirementPlanning #401k #FinancialPlanning #Investing #Retirement #WealthManagement #PortfolioStrategy #NearRetirement #PersonalFinance #FinancialAdvisor

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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.

Early success in businesses often relies on the owner being the exceptional "hero," closing the biggest deals and solving the hardest problems. However, this dependence on a single individual can eventually become the biggest limiter of enterprise value, creating uncertainty and concentration risk for potential buyers. In this episode of Building Value, we discuss how to shift from being essential to being strategic by building systems and delegating key processes. Discover the actionable steps you can take today to build a business that can endure beyond its owner.

In this episode:

• Why being the hero owner can ultimately limit your business's value.

• The shift that matters for a successful liquidity or business exit event.

• How buyers view concentration risk, not leadership, when one person is essential.

• Moving revenue reliance from a single individual to repeatable teams and systems.

• Documenting and delegating your primary deal-closing process as an immediate first step.

• The opportunity to move from being personally essential to strategically important for growth.

• Building team confidence for your business and for a potential future buyer.

• Why addressing dependency early drives enterprise value over the next few years.

Make a plan to identify one area of revenue dependence and delegate one key process over the next thirty days. By giving yourself permission to make progress, not perfection, you will build lasting value in your business.

#businessvalue #enterprisevalue #businessowner #exitstrategy #liquidityevent #delegation #concentrationrisk #businessgrowth #Presilium

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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.

Is today’s AI boom starting to feel like the dot-com era? In this episode, Jerry Davidse compares two “world-changing” moments: the launch of the modern internet (Netscape, December 1994) and the current AI surge that accelerated with ChatGPT in late 2022.

Back then, markets delivered incredible gains… yet the path wasn’t smooth. Excitement turned into overconfidence, valuations stretched, and investors learned a painful lesson: great technology doesn’t guarantee great investment results at any price. Jerry uses Cisco’s sky-high valuation near the 2000 peak as a reminder of what can happen when expectations outrun fundamentals.

Fast-forward to today: AI is transforming productivity and reshaping industries, but market leadership is concentrated and emotions are running high. History doesn’t say innovation is “bad”, it suggests volatility and rotation often come with it.

Key Takeaways:

• Two major tech shocks: Netscape (1994) and ChatGPT (2022) changed expectations overnight

• Big returns can still be bumpy: Strong markets often include volatility

• Valuations matter: Great companies can be poor investments at the wrong price

• Concentration risk is real: When a few names drive returns, portfolios can get unbalanced

• Innovation often brings rotation: Market leadership can shift quickly

• A smarter approach: Diversify, stay disciplined, and rebalance when emotions run high

The takeaway? Don’t ignore AI—but don’t go all-in either. A disciplined, diversified approach can help investors participate in innovation without becoming dependent on a single theme.

Want help building a goals-based plan designed for a range of market outcomes? Connect with the team at Presilium.

#Investing #AI #StockMarket #Diversification #MarketVolatility

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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.

Market volatility isn’t a prediction for 2026… It’s a historical reality that appears every single year. Even in years that finish with strong returns, investors experience meaningful pullbacks along the way. In this episode, Jerry Davidse explains long-term S&P 500 data to show why declines are normal, what investors have historically endured to achieve long-term returns, and why preparation matters more than attempting to predict short-term market movements.

In this video, you’ll learn:

• Why stock market declines occur every year, regardless of how the year ends

• How to interpret S&P 500 charts showing annual returns alongside intrayear drawdowns

• Why strong market years are rarely smooth

• What long-term historical data shows about average S&P 500 returns since 1990

• How much volatility investors have historically experienced to achieve those returns

• Why most years finish positive despite temporary declines

• Why volatility is a normal part of investing, not a sign of market failure

• The importance of preparation over prediction in a long-term investment strategy

• How disciplined investing can help investors navigate periods of uncertainty

• Why emotional reactions to volatility can be more damaging than market declines themselves

• What history suggests about discipline, patience, and long-term investing

Temporary market declines are expected, but being unprepared can increase stress and lead to poor decisions. Presilium focuses on preparing clients before volatility appears so they can move through market uncertainty with confidence and clarity. Investors who want to review their strategy or better understand how volatility fits into a long-term plan can reach out to the Presilium team for guidance.

#StockMarket #MarketVolatility #InvestingEducation #S&P500 #LongTermInvesting #FinancialPlanning #RetirementPlanning #MarketHistory #InvestorDiscipline

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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.