Presilium Private Wealth

Hosted by Jerry Davidse

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318

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Oct 2026

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A podcast from Presilium Private Wealth with a variety of interesting strategies to improve your family's long-term financial plan.

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September 29, 20263 min

Your Investment Performance

Understanding how your investments are allocated and how different accounts work together can provide essential context for long-term financial planning. In this episode, Jerry Davidse walks through Presilium’s customized investment performance report to show how regular reviews may help you evaluate whether your overall strategy remains aligned with your broader financial goals. In this episode: • What key information is typically included in a customized investment performance report • How consolidated reporting can combine multiple accounts into one clearer portfolio view • How to evaluate overall asset allocation across stocks, bonds, alternatives, and cash • How detailed underlying holdings data offers greater transparency into stock and bond positions • How portfolio performance and total return are evaluated over a trailing twelve-month period • Why examining both dollar gains and percentage returns provides fuller context for results • How contributions, withdrawals, capital gains, and market movements impact account values • Why separating net investment performance from cash flows reveals a clearer picture • How historical performance metrics can assist investors when reviewing ongoing financial strategies Regular portfolio reviews can help investors better understand their asset mix and put short-term market fluctuations into perspective. Working with a qualified financial advisor allows you to make informed decisions as your personal circumstances and market environments evolve. #InvestmentPerformance #PortfolioManagement #FinancialPlanning #WealthManagement #InvestorEducation #AssetAllocation #PresiliumPrivateWealth -------- 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 -------- 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 .

September 22, 20263 min

Make Your Charitable Giving More Effective

Looking to make your charitable giving more effective while optimizing your overall financial strategy? Charitable giving can be a powerful component of a long-term financial plan, but the specific strategy you choose can have significant tax and investment implications. In this episode of Financial Planning Insights, host Jerry Davidse breaks down key charitable giving strategies that families may consider, including donor-advised funds (DAFs), donating appreciated securities, and utilizing qualified charitable distributions (QCDs) to support causes that matter most. In this video, you’ll learn: • How charitable giving strategies can be coordinated with investment, tax, and estate planning • What a donor-advised fund (DAF) is and how it may help support charitable giving over time • How donor-advised funds can help families bunch charitable deductions into higher-income tax years • Why donating appreciated stock or securities may offer potential tax advantages compared to cash donations • How gifting appreciated assets could help investors avoid realizing certain capital gains taxes • How charitable contributions may potentially support portfolio rebalancing and diversification goals • What a qualified charitable distribution (QCD) is and who may be eligible to utilize one • How QCDs can interact with required minimum distributions (RMDs) from eligible IRAs • Why the most appropriate charitable giving approach depends on an individual’s unique financial circumstances • How families can incorporate children and future generations into philanthropic decision-making • Why coordinating tax-smart charitable strategies with qualified financial professionals can be essential Effective charitable planning is about more than simply deciding how much to give. Presilium Private Wealth helps clients evaluate tax-efficient charitable giving strategies alongside their broader investment, tax, and estate plans so they can make informed decisions tailored to their personal goals. #CharitableGiving #DonorAdvisedFund #TaxPlanning #FinancialPlanning #WealthManagement #QCD #QualifiedCharitableDistribution #EstatePlanning #RetirementPlanning #FinancialAdvisor #TaxStrategies -------- 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

October 27, 20263 min

How Do You Define Risk?

In this episode of The Big Question , Brook Hart of Presilium Private Wealth explores a question that sits at the heart of every financial plan: How do you define risk? Many investors think of risk as market volatility, but that's only one piece of the picture. Through a real client story, Brook explains why risk is personal and why defining it too narrowly can lead to unintended consequences. From concentration risk and behavioral risk to inflation and longevity risk, understanding the different types of risk is essential to building a retirement strategy that supports your long-term goals. In this episode: • Why defining risk is more important than simply trying to avoid it. • How a real client conversation changed Brook's perspective on investment risk. • The dangers of concentration risk and relying too heavily on a single investment. • Why holding excessive cash may introduce inflation and purchasing power risk. • Understanding behavioral risk and how emotions can affect investment decisions. • What longevity risk is and why it matters for retirement planning. • How a diversified strategy can help balance short-term market volatility with long-term financial goals. • Why maintaining several years of planned spending in more conservative investments may help reduce emotional decision-making during market declines. • The importance of preserving and growing purchasing power throughout retirement. • Why successful investing starts with understanding which risks matter most to your personal financial plan. Risk is an unavoidable part of investing, but understanding it can lead to more informed decisions and greater confidence over time. Listen now to learn why asking "How do I define risk?" may be one of the most important questions in financial planning. #financialplanning #investmentrisk #retirementplanning #wealthmanagement #investing #Presilium #retirement #diversification #financialadvisor #longterminvesting — 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/ — 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 .

October 27, 20262 min

The High Cost of Avoiding Stocks

Stock market declines can be frightening, but selling during a market downturn or avoiding stocks entirely can cost you significantly over time. In this episode of Financial Planning Friday, Jerry Davidse, CFP®, breaks down what historical S&P 500 performance reveals about staying invested through volatility and how strategic financial planning can protect your long-term wealth. In this video, you’ll learn: • What the S&P 500’s long-term performance since 1950 reveals about market declines and growth • How a hypothetical $1,000 investment with reinvested dividends grew over the decades • Why avoiding stocks or selling during downturns can affect long-term financial goals • How market volatility can influence retirement planning, family support, and charitable giving • Why keeping near-term spending needs in more stable investments can help avoid selling stocks during declines • How portfolio rebalancing may create opportunities to add to stocks when prices fall • Why preparing for market declines in advance can help investors stay disciplined through uncertainty Market declines have been a recurring part of stock investing, but reacting emotionally can make it harder to pursue long-term goals. Presilium helps clients build financial plans and diversified investment strategies designed to account for volatility, manage near-term cash needs, and maintain a long-term perspective. #StockMarket #SP500 #LongTermInvesting #MarketVolatility #FinancialPlanning #WealthManagement #InvestmentStrategy #RetirementPlanning #InvestorBehavior #PresiliumPrivateWealth #JerryDavidse -------- 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 -------- 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 .

October 22, 20262 min

Comparing The Cycles of US vs International Stocks

In this episode of Practical Cents, Cullen Martin, CFP®, discusses the shifting cycles between U.S. and international stock market performance. After a decade-plus of U.S. equity dominance, international stocks showed strong relative performance through mid-2026. Is it time to adjust your portfolio allocation? Chasing recent performance can lead to costly investment mistakes. Historically, U.S. and international stocks cycle through periods of outperformance. We explore why maintaining a globally diversified portfolio and a disciplined rebalancing strategy are key to long-term wealth management and risk mitigation. Cullen explains why Presilium believes in maintaining exposure to both U.S. and international stocks, how market cycles influence portfolio performance, and why rebalancing can help investors stay aligned with their long-term financial plan. What you'll learn • Why international stocks have recently outperformed U.S. stocks • How U.S. and international markets have experienced different periods of outperformance • Why predicting which market will perform best next is difficult • How global diversification can help manage portfolio concentration risk • Why portfolio rebalancing involves selling investments that have performed well and buying those that have lagged • How a disciplined investment strategy can help keep your portfolio aligned with your long-term goals At Presilium Private Wealth, diversification and disciplined rebalancing are important components of our investment philosophy. By maintaining a long-term perspective and evaluating portfolio allocations within the context of each client's financial plan, we help clients navigate changing market conditions without relying on predictions about which market will lead next. #USStocks #InternationalStocks #GlobalInvesting #PortfolioDiversification #InvestmentStrategy #PortfolioRebalancing #StockMarket #LongTermInvesting #FinancialPlanning #WealthManagement #PracticalCents #PresiliumPrivateWealth — 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/about/team/cullen-martin --- 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 .

October 20, 20263 min

How We're Preparing for Your 2027

A financial plan should evolve as life changes. Income, spending, family circumstances, retirement timelines, and long-term goals can all shift from year to year. In this episode of Financial Planning Insights, Jerry Davidse, CFP®, explains why Presilium Private Wealth begins its annual financial planning process in the fourth quarter and key factors to review before starting a new year. In this video, you’ll learn: • Aligning financial plans with changing yearly goals and circumstances • The importance of comprehensive balance sheets including external accounts • Key tax planning considerations: Roth conversions, charitable giving, and health insurance • Managing income shifts, business ownership changes, and retirement timeline updates • Reviewing beneficiary designations after major life events • Evaluating cash flow strategies for upcoming expenses and lifestyle goals • Year-end financial planning opportunities to evaluate before December 31 • Coordinating with tax and legal professionals for holistic wealth management • Gaining clarity on your current financial position and next strategic steps Annual financial planning goes beyond numbers. Presilium Private Wealth assists clients in evaluating life updates, identifying planning opportunities, and maintaining strategic alignment with long-term financial objectives. #FinancialPlanning #RetirementPlanning #TaxPlanning #RothConversions #WealthManagement #EstatePlanning #FinancialGoals #YearEndPlanning #Presilium #CFP #FinancialAdvisor #PersonalFinance -------- 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 -------- 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 .

October 13, 20263 min

Our Stress Test

Market declines are a normal part of investing, but understanding how a significant market drop could impact your portfolio is key to long-term financial planning. In this episode of Financial Planning Fridays, Jerry Davidse, CFP®, explains how Presilium’s stress test report helps investors evaluate portfolio resilience during periods of market volatility by analyzing performance across six major market downturns from the past 50 years. In this video, you’ll learn: • How a stress test report evaluates portfolio resilience during major market declines • What a significant market decline could mean for a large investment portfolio • How a diversified portfolio (70% stocks / 30% bonds) historically compared with the S&P 500 • Why understanding potential portfolio downside can help investors prepare emotionally and financially • How a cash and bond cushion can help support cash flow during periods of market weakness • How strategic rebalancing during market downturns fits into a disciplined investment strategy • Why stress testing is designed for preparation and risk management, not prediction • How a comprehensive financial plan can help keep long-term goals on track through market volatility While market volatility cannot be eliminated, proper risk management and financial planning can help you navigate uncertain times with confidence. Presilium Private Wealth helps clients evaluate potential portfolio risk and align investment strategies with their long-term financial goals. #FinancialPlanning #Investing #StressTest #MarketVolatility #PortfolioManagement #Diversification #RiskManagement #WealthManagement #LongTermInvesting -------- 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 -------- 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 .

October 13, 20263 min

Risk Is A Value Killer

Are hidden business risks quietly eroding your enterprise value? While every business owner takes calculated risks when hiring, investing, or expanding, unmanaged exposures can significantly impact your exit strategy and succession planning. In this episode of Building Value, Brook Hart explores how understanding and managing business risk can help protect business growth and build a more transferable, durable organization. Buyers rarely expect a completely risk-free company. Instead, they look for a clear understanding of potential operational vulnerabilities and confidence that leadership is actively addressing them. Depending on your situation, proactively identifying key dependencies (such as customer concentration or undocumented processes) can help preserve long-term value. In this video, you'll learn: • How unmanaged business risk may affect overall enterprise value • Why customer concentration and key employee reliance can create hidden exposure • How prospective buyers may evaluate risks differently than current owners • Ways uncertainty can influence the perceived stability of future cash flows • How risk management plays a key role in succession planning and business growth Building business value isn't about eliminating every possible risk. It involves evaluating where your company may be vulnerable and considering proactive steps to manage those areas. Specific outcomes depend on individual circumstances, and business owners should consult with qualified advisors when planning their exit strategy. #BuildingValue #EnterpriseValue #BusinessRisk #BusinessOwnership #ExitStrategy #SuccessionPlanning #BusinessGrowth — 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/ --- 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 .

October 8, 20262 min

What Do You Think About the Stock Market?

In this episode of Practical Cents, Cullen Martin, CFP® addresses one of the most common questions financial advisors receive: "What do you think about the stock market?" While market volatility and daily stock headlines capture attention, long-term wealth accumulation and successful retirement planning require looking beyond short-term market conditions. Building sustainable wealth involves understanding how stock market performance fits within a comprehensive financial plan. At Presilium Private Wealth, the core investment strategy emphasizes the long-term role of equities, disciplined asset allocation, and staying invested through periods of market uncertainty. Market volatility is inevitable, but thoughtful portfolio management and strategic rebalancing allow wealth managers to identify planning opportunities during market downturns. Key Takeaways & Key Insights: • Understanding Market Volatility: Why strategic wealth advisors view short-term market swings as financial planning opportunities. • Wealth Accumulation & Equities: The historical role stocks play in long-term financial growth and inflation protection. • Average vs. Actual Returns: Why annual market performance rarely matches long-term average returns. • Power of Staying Invested: How market timing risks can undermine long-term portfolio growth. • Strategic Rebalancing: Capitalizing on buying opportunities during market dips. • Goal-Based Financial Planning: Keeping retirement goals and financial plans front and center during uncertain markets. Market uncertainty often tempts investors to second-guess their strategy. However, a successful long-term investment approach isn't built on avoiding volatility, it is built on comprehensive risk management, diversification, and alignment with your specific time horizon and retirement objectives. — 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/ — 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 .

October 6, 20262 min

0% Return for 10 Years

What happens if the stock market goes nowhere for an entire decade? Between 2000 and 2009 (often called the “Lost Decade”) the S&P 500 index experienced two major bear markets, resulting in a flat to negative total return. In this episode of Financial Planning Fridays, Jerry Davidse, CFP®, breaks down historical market data from the Lost Decade and compares S&P 500 performance with a diversified 70/30 stock-and-bond portfolio. In this video, you’ll learn: • Historical S&P 500 performance during the 2000–2009 “Lost Decade” • Impact of the tech bubble and Global Financial Crisis on long-term portfolios • How a $1M investment performed in index-only vs. diversified strategies • Asset allocation benefits of combining 70% stocks and 30% bonds • Why diversification helps manage market risk and volatility (without guaranteeing against loss) • Role of cash cushions and fixed income during prolonged market pullbacks • Building a resilient, long-term wealth management strategy for retirement planning A comprehensive financial plan should account for varied market cycles, extended downturns, and unexpected volatility. Presilium Private Wealth assists clients with custom portfolio construction, asset allocation, and long-term financial planning designed to navigate shifting economic conditions. #LostDecade #SP500 #FinancialPlanning #Diversification #Investing #WealthManagement #PortfolioStrategy #AssetAllocation #RetirementPlanning #StockMarket -------- 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 -------- 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 .

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