Markets don’t move in straight lines, and 2025 proved that once again. In this episode, Matt sits down with Matthew Finley to walk through their 2026 Market Outlook and what investors should realistically expect in the year ahead.

They reflect on the sharp early-year pullback in 2025, the surprising number of new all-time highs that followed, and what long-term data, not headlines, suggest about where markets may be headed next. The conversation covers earnings growth, interest rates, volatility, AI spending, and the difference between healthy risk and speculative fear.

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

Why a 19% drawdown didn’t derail the year

What 37 new all-time highs really signal

How earnings growth shapes market expectations

Understanding volatility vs. long-term returns

AI, policy risks, and potential market catalysts

0:00 – Intro

2:03 – 2025 pullback and tariff volatility

4:59 – Earnings growth, forecast ranges, and expectations

7:19 – Intra-year declines and market volatility

12:00 – AI, profitability, and the “bubble” question

14:14 – Positive and negative catalysts ahead

16:30 – Takeaways

Resources for this episode:

2026 Market Outlook Article:

https://www.perspective6wealthadvisors.com/market-outlook-2026-making-calculated-risks/

2025 Market Outlook Article:

https://www.perspective6wealthadvisors.com/2025-market-outlook-insights-on-navigating-volatility/

Tariff Article:

https://www.perspective6wealthadvisors.com/tariffs-explained-the-good-bad-and-whats-next/

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.

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.

What does it really take to get a MedTech startup from concept to market? In this episode, Matt sits down with Karandeep Singh Badwal, a UK-based consultant, content creator, and host of The Medtech Podcast. They explore the realities of launching and funding MedTech ventures. Unpacking why early regulatory planning is a competitive advantage, how to avoid underestimating costs, and what founders often miss about sales and reimbursement after regulatory approval.

From raising capital and structuring equity to building quality systems that actually work, this conversation is packed with lessons for founders, investors, and innovators alike!

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

Plan for regulatory early- it’s your moat, not your obstacle
Triple your expected budget (and then some)
Know your economic buyer, not just your user
Build a quality system from day one

0:00 – Intro and guest background

2:38 – Why regulatory planning early matters

3:48 – The profile of today’s MedTech founders

6:20 – Funding realities & underestimated costs

9:59 – Building a funding roadmap

13:25 – Structuring equity & common mistakes

15:41 – Why regulatory approval ≠ sales

18:30 – Angel investing & blended funding strategies

21:23 – What happens after 510(k) approval

25:38 –EU vs. US pathways

28:07 – Karandeep’s personal passions & closing thoughts

Connect with Karandeep:

https://karandeepbadwal.com/

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/@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.

Did you know two investors could earn the same average return, pay the same fees, and still retire with very different outcomes? In this episode, Matt explains why sequence of returns risk is one of the most important concepts to understand within 5–7 years of retirement. You’ll see real examples of how early losses can quietly drain decades of savings, and why the order of your returns matters just as much as the returns themselves.

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

Why timing matters just as much as returns in retirement investing
How early losses could drain decades of savings
Clear examples that reveal the impact of bad timing
Strategies to help protect your portfolio in retirement

0:00 – Intro

2:45 – Similar Portfolios, Different Results

3:59 – Negative Returns

8:10 – $1 Million Sample Portfolio

10:50 – Reducing Sequence of Returns Risk

15:43 – Summary

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 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.

Have you ever maxed out your 401k and thought, ‘Where else can I put money that grows tax-free?’ If you’re a high earner, especially working in MedTech or the corporate world, this strategy might change the way you save for retirement. Matt breaks down one of the most powerful (and often overlooked) retirement strategies available today: the Mega Backdoor Roth. It’s a legal workaround for those who can’t contribute directly to a Roth IRA and are already hitting their 401k limits midyear.

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

Understanding the Mega Backdoor Roth strategy

How the Mega Backdoor Roth process works

The long-term value of tax diversification

Ideal candidates for this approach

Key pitfalls to watch out for

0:00 – Intro

0:28 – What is a Mega Backdoor Roth?

2:33 – How does it work?

3:35 – Is this a good deal?

3:46 – Why does it matter?

4:21 – Who is this for?

5:05 – Mistake to avoid

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.

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

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.

Your company’s IPO can be a major financial opportunity, or a costly misstep if you’re not prepared. In this episode, Matt walks you through what really happens when your private company goes public, and the five things every employee with stock compensation needs to know before making a move. It’s often more complex than most people realize, so it pays to be prepared.

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

IPO 101: What really happens behind the scenes

RSUs vs. ISOs vs. NSOs – Know the difference

Common mistakes around timing, taxes, and emotional decision-making

Strategies to consider: Selling, diversification, and long-term planning

0:00 – Intro

0:56 – #1: Understanding the IPO Timeline

1:52 – #2: Know What You Own (ISOs & NSOs)

3:21 – Restricted Equity

4:29 – Vesting Schedules

5:03 – #3: Taxes Are a Big Deal

7:47 – #4: Lockup Expiry ≠ Immediate Payday

9:15 – #5: Financial Planning Opportunities

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.