Category: Investing
The One Big Beautiful Bill Breakdown

The One Big Beautiful Bill Breakdown

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A new tax bill has officially passed (you’ve probably heard it mentioned as the “Big Beautiful Bill”). While most headlines are focused on the politics, we’re zeroing in on what it means if you’re retired, a business owner, have stock compensation, or are thinking about estate planning. The decisions you make in the next year or two could significantly affect how much of your wealth you keep and how much goes to Uncle Sam. In this episode, Matt breaks down the four major areas of the bill and how they’re likely to impact the people he advises.

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

📈 New tax relief and planning opportunities for retirees

💸 Big updates to Qualified Small Business Stock (QSBS) rules

🧾 AMT relief that makes stock option strategies more favorable

💼 Permanent changes for business owners, including the 20% QBI deduction

🏰 The major increase in estate tax exemptions

0:00 – Intro

0:41 – Boost in Standard Deduction

1:36 – Tax Bracket Certainty

2:05 –SALT Deduction Relief

3:05 – QSBS Expansion Revolution

4:10 – AMT Relief

5:00 – QBI Deduction Made Permanent

5:49 – Massive Exemption Increases

7:02 – Recap and Free Visual Breakdown

Resources for this episode:

Mind Map Download

Other 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/channel/UCZFSiozlOWNDN0PbgF6HzSA

📍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.
You Just Got Some RSUs- Now What?

You Just Got Some RSUs- Now What?

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In this episode, Matt dives into one of the most common forms of equity compensation: Restricted Stock Units (RSUs). If your company just handed you some stock, you may be asking yourself, “What now?” Matt walks through three key questions that will help you move forward with confidence. He also shares practical tips for tracking your vesting schedule and deciding whether to hold or sell your shares.

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

📅 Why setting vesting alerts can prevent missed opportunities

💵 Treat RSUs like cash: Make thoughtful sell-or-hold decisions

🧾 Why careful tax planning is needed for RSUs

🏦 Capital gains taxes: What you don’t want to overlook

🎯 Making RSUs work with your bigger financial plan

0:00 – Intro

1:03 – #1: What to do with your stock?

3:10 – #2: How are taxes handled?

6:38 – #3: How much should I sell/keep?

8:46 – Recap & Final Thoughts

Resources for this episode:

Plan Your Stock Compensation for the Year

Tax Reporting for Stock Compensation

Other 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/channel/UCZFSiozlOWNDN0PbgF6HzSA

📍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.
Roth 401k: Smart Moves You’re Missing

Roth 401k: Smart Moves You’re Missing

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Roth 401k contributions can be a powerful tool, but only if you know how to use them wisely. In this episode, Matt shares practical tax strategies for deciding when, why, and how to contribute to a Roth 401k through your employer plan. He covers why your future tax bracket matters just as much as your current one, and an easy trick to start your five-year clock for penalty-free withdrawals.

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

🧠 Roth 401k vs. Traditional 401k: Key differences

💰 When it makes sense to prioritize Roth contributions

📉 Strategies for managing income fluctuations

🔁 In-plan Roth conversions and how they work

0:00 – Intro

0:35 –Roth 401k VS. Pre-Tax 401k

2:38 – Tax Brackets & Lifetime Income Bracket

7:39 – In-Plan Roth Conversions

9:14 – Risks of Converting Company Stock

9:37 – The five-year clock

Resources for this episode:

Maximizing your 401k article: https://perspective6group.com/7-expert-strategies-to-maximize-your-401k/

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
Forced Into Retirement Early – Now What?

Forced Into Retirement Early – Now What?

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A listener in his early 60s thought he had five more years of work ahead, until a surprise layoff changed everything. In this episode, Matt and Jacob unpack a listener question about how to move forward after being forced into retirement earlier than expected. They walk through key considerations for anyone in a similar situation: how to handle severance and stock options, when (or if) to pay off a mortgage, how to approach early healthcare coverage before Medicare kicks in, and whether finding part-time work or consulting could be part of the solution.

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

💰 Managing severance and stock option decisions

🏡 Should you pay off the mortgage now?

📉 Health insurance before Medicare- what to know

💼 Part-time work and its impact on your plan

🧠 Why purpose is your first planning question

0:00 – Intro

0:59 – Listener question

3:50 – Early retirement checklist

6:20 – Consider health insurance

7:06 – Keeping tax levels low

12:00 – Gig work and consulting: pros and cons

Resources for this episode:

What Issues Should I Consider Before I Retire? https://perspective6group.com/wp-content/uploads/2025/04/What-Issues-Should-I-Consider-Before-I-Retire-2024-1.pdf

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
Will Social Security Really Run Out? 2025 Breakdown

Will Social Security Really Run Out? 2025 Breakdown

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Lately, we’ve been getting a lot of questions from clients about the future of Social Security- and it’s no surprise. This topic has been making the rounds online, sparking concern and confusion. Will Social Security really run out? To help break it all down, we’re welcoming back Matt Finley, Senior Partner and Financial Advisor at Perspective 6 Group. He’ll explain what’s actually happening with Social Security, what could change, and why most people won’t see their benefits disappear- even in the face of funding shortfalls projected for 2032.

You’ll learn what potential fixes are on the table and why no political party is seriously proposing to cut benefits for current recipients. If Social Security anxiety is keeping you up at night, this episode will help you take a breath, understand the facts, and focus on smart planning for your future.

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

🤔 What’s really going on with Social Security

❌ Common myths about benefit cuts

🛠 Solutions Congress could enact

🧾 Why the panic is more political than practical

💡 How smart financial planning can reduce fear

0:00 – Intro

1:18 – What’s going on with Social Security?

2:13 – Fixes on the table

5:28 – Where fear is stemming from

9:35 – Key takeaways

Social Security in 2025: Separating Fact From Fear Article:

https://perspective6group.com/social-security-in-2025-separating-fact-from-fear/

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
5 Mistakes You’re Making In Your Medtronic Retirement Savings Plan

5 Mistakes You’re Making In Your Medtronic Retirement Savings Plan

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If you’re participating in the Medtronic Retirement Savings and Investment Plan, you already understand its value, but are you using it as effectively as possible? Unfortunately, we see some simple mistakes that can easily be avoided. Today we’ll highlight each of these avoidable missteps to make sure you’re maximizing every dollar you contribute.

The Medtronic 401k is a tremendous tool to help you save for retirement, but Matt will explain how small oversights can lead to a big financial impact. He also walks through benchmarks for how much you should have saved at various ages, helping you assess whether you’re truly on track for retirement.

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

🚫 Not contributing = missing out on thousands in company match
📈 Auto-escalation is helpful- but don’t just settle for the default
🎯 Age-based catch-up contributions can supercharge your savings
📋 Outdated or missing beneficiary info can derail your estate plan

0:00 – Intro

1:00 – How company contributions work

1:30 – Mistake 1

2:19 – Mistake 2

3:05 – Mistake 3

4:03 – Mistake 4

5:34 – Mistake 5

6:07 – How much you should be saving

Resources For This Episode

T Rowe Price Retirement Resource: https://www.troweprice.com/personal-investing/resources/insights/youre-age-35-50-or-60-how-much-should-you-have-by-now.html#:~:text=We%20found%20that%2015%25%20of,35%20is%20a%20reasonable%20target

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

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

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

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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

Your Medtronic 401k Plan Company Contributions Explained

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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