The MedTech Wealth Advisor Podcast

Matthew Nelson
  • 5.0 (8)
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  • UPDATED SEMIMONTHLY

Guiding MedTech professionals to Financial Freedom. Whether you have questions about your new job offer, what to do with your company stock plan, how to start the company you’ve been dreaming about, or simply retire on your terms, Matt will cover all this and more. The MedTech Wealth Advisor podcast is dedicated to teaching professionals and entrepreneurs in the MedTech field how to save more money, pay less in taxes, and maximize their unique benefits. Matthew Nelson is a Certified Financial Planner™ professional, Accredited Investment Fiduciary™, and Equity Compensation Associate with Perspective 6 Group, a financial planning firm dedicated to the professionals in MedTech. To learn more about our services and see important disclosures please visit our website www.perspective6group.com.

  1. JAN 22

    3 Times Selling Company Stock Makes More Sense Than Holding

    You’ve probably heard the advice to hold on to your company stock. It feels logical- you work there, you believe in the business, and selling can feel disloyal. But what if that advice is actually putting your financial future at risk? In this episode, Matt explains why holding too much company stock can quietly become one of the riskiest financial decisions you make. From Silicon Valley Bank to Meta, Matt walks through three clear situations when selling your company stock may be the smarter move. You’ll also learn how taxes, life transitions, and behavioral bias play into these decisions- and how diversification can help protect both your wealth and your peace of mind. Here’s some of what we discuss in this episode: The 10–15% Rule – When company stock becomes a concentration problem Real Collapse Examples – What happens when jobs and stock fall together Life Transitions – Why timing matters as retirement or big purchases approach Tax-Smart Selling – Reducing taxes while diversifying Behavioral Traps – Why loyalty and familiarity often keep people invested too long 0:00 – Intro 1:01 – Scenario 1 3:39 – Scenario 2 6:11 – Scenario 3 8:43 – Behavioral Bias 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.

    11 min

  2. JAN 8

    2025 in Review: What’s Ahead for Investors in 2026?

    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.

    18 min

  3. 11/20/2025

    351 Exchanges & Exchange Funds: Diversify Portfolio & Skip Taxes

    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.

    6 min

  4. 11/06/2025

    Launching a MedTech Company? Funding, Regulation & Success Strategies with Karandeep Singh Badwal

    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.

    31 min

  5. 10/02/2025

    Don’t Let Bad Timing Ruin Your Retirement Savings

    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.

    13 min

  6. 09/18/2025

    Should You Convert to a Roth Before Retirement?

    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.

    12 min

  7. 08/28/2025

    Mega Backdoor Roth Explained: The Tax-Free Growth Strategy for High Earners

    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.

    9 min

  8. 08/18/2025

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

    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.

    8 min
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5
out of 5
8 Ratings

About

Guiding MedTech professionals to Financial Freedom. Whether you have questions about your new job offer, what to do with your company stock plan, how to start the company you’ve been dreaming about, or simply retire on your terms, Matt will cover all this and more. The MedTech Wealth Advisor podcast is dedicated to teaching professionals and entrepreneurs in the MedTech field how to save more money, pay less in taxes, and maximize their unique benefits. Matthew Nelson is a Certified Financial Planner™ professional, Accredited Investment Fiduciary™, and Equity Compensation Associate with Perspective 6 Group, a financial planning firm dedicated to the professionals in MedTech. To learn more about our services and see important disclosures please visit our website www.perspective6group.com.

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