Tag: Investment Strategies
351 Exchanges & Exchange Funds: Diversify Portfolio & Skip Taxes

351 Exchanges & Exchange Funds: Diversify Portfolio & Skip Taxes

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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.
Should You Convert to a Roth Before Retirement?

Should You Convert to a Roth Before Retirement?

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Roth conversions can be a powerful tax strategy, but are they the right move when you’re just about to retire? In this video, Matt walks through a real-life case study to test that very question. Using Jerry and Ruth Crawford’s $7.3 million portfolio, he explores different strategies, from converting everything at once to filling tax brackets little by little.

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

⚖️ Full Roth conversion vs. phased approach

📉 Why converting all at once can reduce portfolio growth

📊 Lifetime tax savings with bracket targeting

⏳ Impact of delaying Social Security to age 70

🏡 Flexibility and legacy benefits from tax-free Roth assets

0:00 – Intro

0:47 – Case Study

2:47 – Full Roth conversion

3:44 – Partial conversion

7:26 – Delaying Social Security

8:45 – Flexibility and legacy benefits

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.
2024 Year in Review: Big Wins, Client Success Stories, and 2025 Market Insights (Ep. 30)

2024 Year in Review: Big Wins, Client Success Stories, and 2025 Market Insights (Ep. 30)

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In this episode, Matt Nelson, Matthew Finley, and Jacob LaRue review the year’s highlights for Perspective 6 Group. They discuss transformative client outcomes, tax-saving strategies, and tailored financial planning approaches. Packed with insights, this episode showcases the value of personalized advice in achieving long-term goals.

You’ll hear: 

  • Reflections on client achievements, including 256 review meetings, onboarding 11 new clients, and impactful case studies
  • Effective tax strategies, such as reviewing 143 returns and executing $1.3 million in Roth IRA conversions to secure long-term benefits
  • Estate planning triumphs, including designing strategies to shield millions from taxation for generational wealth
  • Portfolio performance and market strategies, leading to strong returns and reduced internal fees for clients
  • Team growth, innovation, and the use of technology to improve client experiences and streamline operations
  • And more!

Connect with Matt Nelson:    

Connect with Jacob LaRue:

Connect with Perspective 6 Group:       

Connect with Matthew Finley: 
RSUs Part 1: How do RSUs & Restricted Stock Work? (Ep. 8)

RSUs Part 1: How do RSUs & Restricted Stock Work? (Ep. 8)

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Have you been offered stock options at your company, but aren’t sure how to proceed?

Explore the intricate world of Restricted Stocks and Restricted Stock Units (RSUs) with experts Matthew Nelson and Jacob LaRue in this enlightening MedTech Wealth Advisor episode. Designed specifically for professionals in the MedTech sector, this comprehensive discussion unravels the complexities of these essential equity compensation options and their significant role in shaping financial strategies within the industry.

Key Highlights:

  • Introduction to RSUs: Understanding their role as a common form of equity compensation and the basics of how they work
  • Vesting and Taxation: Insights into vesting schedules, the implications of taxation at vesting, and the differences in withholding methods
  • Valuing RSUs: Expert tips on calculating RSU value and the importance of comprehending company-specific documentation
  • Navigating RSU Challenges: Discussing the unique challenges faced by private company RSU holders and strategies for effective management
  • Maximizing RSU Benefits: Practical advice on leveraging RSUs for financial growth, including vesting acceleration and managing value fluctuations
  • And much more!

 

Resources:

Connect with Matthew Nelson:  

Connect with Jacob LaRue:  

 Connect with Perspective 6 Group:      
How To Master ESPPs (Ep. 7)

How To Master ESPPs (Ep. 7)

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Are you making the most of Employee Stock Purchase Plans (ESPPs)? 

From the intriguing to the unexpected, Matt Nelson, CFP® guides MedTech professionals through the intricacies and strategic use of ESPPs in this insightful episode. He sheds light on how ESPPs, often an underutilized benefit, can significantly impact financial well-being, especially in the MedTech industry.

Key Highlights:

  • Unlocking ESPP Secrets: Discover the intricate workings of ESPPs, the ‘look back’ feature and its impact on stock purchasing
  • The Art of Profitable Stock Buying: Learn how purchasing stocks at a discount can yield substantial financial returns, with real-life examples to illustrate
  • Navigating the Tax Maze of ESPPs: Gain expert insight on ESPP tax complexities and learn how holding periods affect tax rates
  • Strategic Stock Selling: Rethink the necessity of holding stocks with insights on when to sell for optimal tax benefits
  • Maximizing ESPP Contributions: Understand how to effectively manage finances for ESPP contributions, and how they differ from traditional 401(k) plans
  • The Double-Edged Sword of ESPPs: Explore the risks and tax complications associated with ESPPs and learn how to navigate them wisely
  • Tailoring ESPPs to Your Financial Goals: Learn how to align ESPPs with your financial objectives, whether it’s for significant purchases or long-term planning
  • And much more!

 

Resources:

Connect with Matt Nelson: 

Connect with Perspective 6 Group:     

Connect with Jacob LaRue: