retirement strategy – MedTech Wealth Advisor

Why High Earners Should Sometimes Pay MORE Taxes- On Purpose!

By Perspective 6 Group | August 18, 2025

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Would you ever pay more to the IRS… on purpose? Sometimes the smartest move in retirement planning is the one that feels most counterintuitive, like voluntarily paying more taxes now. In this episode, Matt breaks down why certain high earners should consider a Roth 401(k) conversion during a lower-income year- if their plan allows it.

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

💡 How paying more taxes now could save high earners later

📈 How Roth 401(k) conversions create tax-free growth

🗓️ The “hidden window” for high earners in lower tax years

⚠️ Key mistakes to avoid when converting

👨‍👩‍👧 Passing wealth to your heirs tax-efficiently

0:00 – Intro

0:58 – In-Plan Roth Conversion Strategy

2:21 – Why Should High Earners Do This?

4:48 – Who Should Consider This?

5:46 – Mistakes to Avoid

Other Resources

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📌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/

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The One Big Beautiful Bill Breakdown

By Perspective 6 Group | July 24, 2025

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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:

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