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: perspective6@savvyadvisors.com

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: perspective6@savvyadvisors.com

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: perspective6@savvyadvisors.com

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.