March 2025 – MedTech Wealth Advisor

How to KEEP the Full Company Contributions in Your Medtronic 401K Plan

By Perspective 6 Group | March 27, 2025

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If you participate in the Medtronic 401K plan, you already know about the great company contribution you receive. Do you know if you will be able to keep all of that money when you leave though? If you’re not paying attention to the fine print, you could leave thousands of dollars on the table. Today, we’re going to break down the vesting rules and timing triggers that determine how much of your company contributions you actually get to keep.

This isn’t just about retirement planning- it’s about understanding the key details that could impact your financial future if you change jobs, retire, or max out your contributions too early in the year. This is your chance to learn more about how the three-year cliff vesting schedule works, what happens if you leave before April 30 (the end of Medtronic’s plan year), and how to avoid missing out on thousands in matching and discretionary contributions.

Here’s some of what we discuss in this episode:

0:00 – Intro

1:00 – How Company Contributions Work

1:42 – 3-Year Vesting

4:52 – Different Scenarios

5:50 – Quick Recap

Other Resources

📌Our website: https://perspective6group.com/

📞Phone: (952) 225-0333

📧 Email: perspective6info@focusfinancial.com

🗓 Schedule your no-cost consultation: https://perspective6group.com/start-here/

📚 Essential Financial Guides

📌5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/

📌Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/

📌ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/

📌Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/

📲 Stay Connected

🎥 Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA

📍LinkedIn: https://www.linkedin.com/company/perspective-6-group/

📍Instagram: https://www.instagram.com/medtechwealthadvisor

Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

Your Medtronic 401k Plan Company Contributions Explained

By Perspective 6 Group | March 25, 2025

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Do you know if you are getting all of the contributions available to you in your Medtronic 401k? We’ve been getting a lot of questions about how to optimize the Medtronic 401K plan so we’re going to give you an advisor’s take on how it works and the settings that every employee should be checking.

In this video, Matt walks through Medtronic’s three contribution types- core contributions, base match, and discretionary match- and explains why contributing at least 6% of your salary is essential to getting the full employer match. He also covers how to adjust your contribution settings, use auto-escalation, and take advantage of catch-up contributions based on your age.

If you’re a Medtronic employee, make sure you watch this video and the rest of our series covering Medtronic essentials.

Here’s some of what we discuss in this episode:

📊 Employer Matching Breakdown – Core, base, and discretionary contributions explained

⚠️ Are You Contributing Enough? – Why 6% is the magic number

🔄 Auto-Escalation & Catch-Up Contributions

📈 Plan Maximums for 2025

0:00 – Intro

0:54 – Contribution Breakdown

2:41 – What’s the match worth to you?

4:02 – Check your account settings

6:15 – Max contributions in 2025

7:29 – Recap

Resources for this episode:

5 Ways to Maximize Your Medtronic 401k Plan

Other Resources

📌Our website: https://perspective6group.com/

📞Phone: (952) 225-0333

📧 Email: perspective6info@focusfinancial.com

🗓 Schedule your no-cost consultation: https://perspective6group.com/start-here/

📚 Essential Financial Guides

📌5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/

📌Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/

📌ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/

📌Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/

📲 Stay Connected

🎥 Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA

📍LinkedIn: https://www.linkedin.com/company/perspective-6-group/

📍Instagram: https://www.instagram.com/medtechwealthadvisor

Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX

What Should Investors Expect From the Market in 2025?

By Perspective 6 Group | March 13, 2025

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With market volatility, tariffs, and policy changes shaping the 2025 economic landscape, how should investors react? Emotional investing can lead to poor decisions, which is why it’s so important to separate how you’re feeling about the news and what’s actually happening. In our first episode, Matt Nelson, CFP®, AIF®, ECA is joined by Matthew Finley, CFP® to provide an outlook on the market heading into Spring and evaluate what it could mean for your portfolio.

We refer to Matthew Finley as our Chief Investment Scientist for a reason, and today we’ll reference an article he wrote to provide insight into the investment landscape heading into the coming months. We’ll discuss why volatility is expected, how tariffs and government spending cuts could impact the economy, and whether the bull market still has room to run. We’ll also dive into the AI boom, how major tech companies like Tesla, Google, and Apple are leading the way, and what this means for investors.

Plus, we’ll tackle the latest employment data, inflation concerns, and geopolitical risks, to help you separate facts from feelings.

Key topics we discuss:

📉 Market Volatility in 2025 – Why it’s happening & how to navigate it

💰 Bull Market Outlook – Is there still room for growth?

🚀 How AI is Transforming Industries & Investments

⚠️ Tariffs & Government Spending Cuts

📊 Employment & Inflation Trends

0:00 – Intro

3:10 – Volatility is here

3:56 – How have our positions changed?

6:06 – Current market

8:30 – AI and its impact