Today we’re highlighting one of the most underrated tools in financial planning:

👉 The Taxable Brokerage Account

Retirement accounts like 401(k)s and IRAs are great — but taxable brokerage accounts offer flexibility and tax advantages that can give you more control over your financial life.

In This Episode, Brian Breaks Down:

• Unlimited Contributions No income limits. No contribution caps. Invest what you want, when you want.

• Flexible Investment Options Money markets, T-bills, ETFs, mutual funds — your investments can match your time horizon and goals.

• Early Retirement Strategy Drawing from a taxable account may help keep taxable income lower, potentially opening the door for Roth conversions in lower-tax years.

• Long-Term Capital Gains Benefits Hold investments for 12+ months and gains are generally taxed at long-term capital gains rates, which may be lower than ordinary income tax rates.

Key Takeaway

A taxable brokerage account isn’t just “extra investing.” It’s a flexible, tax-aware planning tool that can support both near-term goals and long-term retirement strategy.

If you'd like to see how this could fit into your financial plan, let’s talk through your situation.

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It helps more people find these educational conversations.

#Investing #TaxPlanning #RetirementPlanning #CapitalGains #FinancialStrategy

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Connect With Brian: Brian Henrysen Jr., CFP®

Financial Planner, Presilium Private Wealth

Email: Brian@presiliumpw.com

LinkedIn: https://www.linkedin.com/in/brianhenrysenjr

Meet Brian: https://www.presiliumpw.com/team_member/brian-henrysen-jr-cfp/

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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.

Today, we’re digging into one of the most common and most important retirement questions:

How much can I safely withdraw each year without running out of money?

You may have heard of the 4% Rule, introduced in 1994 by financial researcher William Bengen — but today’s markets, interest rates, and retirement lifestyles look very different than they did then. Which means the right withdrawal strategy needs to be flexible, intentional, and personalized to your life.

In this episode, Brian covers:

• What the 4% Rule Actually Means: Where it came from and why it became a benchmark in retirement planning.
• Why There’s No One-Size-Fits-All Number: Your withdrawal rate should reflect your income needs, investment strategy, age, and financial goals.
• Real-World Examples: How different retirees may withdraw 3%, 4%, 5%+ depending on when Social Security starts and how their accounts are structured.
• The Role of Social Security Timing: Why when you start benefits can change your annual withdrawal needs significantly.
• Building a Sustainable Withdrawal Strategy: How to align your portfolio, spending, tax planning, and risk tolerance into one coordinated retirement income plan.

Key Takeaway: A safe withdrawal rate is not just a math problem — it’s a personal financial decision that should be shaped around your goals, values, spending patterns, and long-term comfort.

If you’re approaching retirement or already in it and want to better understand your withdrawal strategy, let’s have a conversation. We can walk through your numbers to help create clarity and confidence in your retirement income plan.

Subscribe for more retirement and planning insights.

#RetirementPlanning #WithdrawalStrategy #FinancialPlanning #RetirementIncome

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Connect With Brian: Brian Henrysen Jr., CFP®

Financial Planner, Presilium Private Wealth

Email: Brian@presiliumpw.com

LinkedIn: https://www.linkedin.com/in/brianhenrysenjr

Meet Brian: https://www.presiliumpw.com/team_member/brian-henrysen-jr-cfp/

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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.

As we close out the first year of President Trump’s second term, markets have once again proven just how unpredictable they can be. From steep drops to near record highs, volatility has defined the year — but what does history tell us about what comes next?

In this episode of Financial Planning Friday, Jerry Davidse, CFP® reviews market trends from past presidential cycles and explains what investors can learn as we move into year two, historically the toughest stretch for stocks.

You’ll learn:

• Why the second year of a presidential term has historically seen the lowest average market returns (around 3%)
• How volatility in year two often increases — and how to plan for it
• The importance of maintaining a diversified, globally balanced portfolio
• Why having cash reserves and a rebalancing plan can turn pullbacks into opportunity

Jerry shares timeless guidance for staying calm, prepared, and strategic through political and market swings — reminding investors that volatility isn’t something to fear, it’s something to plan for.

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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

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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.