Expert planning for P&Gers
Helping P&G employees and retirees since 2016
Since I entered financial planning I have worked closely with current and former Procter & Gamble employees, both as clients and as colleagues.
Everyone deserves a fiduciary advisor who will optimize each decision for their best interests. P&Gers also deserve someone who understands the Company and its benefits. This includes how your annual PST contribution can supercharge your retirement plan, how your plan's preferred shares and NUA can solve one of your biggest early retirement problems, and the pros and cons of carrying retiree health insurance into your Medicare years.
Mentored by P&G alumni, my planning experience might remind you of "the P&G way." Progress is tracked, communication is clear and focused, and the details matter. Your interests are my interests, as I believe the success of my clients and my business are inseparable.
Schedule your intro call today.
P&G planning opportunities
Are you making the most of everything P&G offers its employees and retirees? Is your current advisor talking to you about these elections and choices as your life and career evolves?
Profit-Sharing Trust
What is the PST and how does it fit into your total retirement plan? How are you addressing the concentration and portfolio allocation risk it can create?
Long-term Incentive Program (LTIP)
Once you get to Band 3 you might gain access to P&G's LTIP program. Which award should you take - RSUs or stock options? Do you have a tax plan over the life the grants so you avoid an IRS problem?
P&G Savings Plan
How does P&G's 401(k) fit into the rest of your savings? Are you adjusting pre-tax vs Roth contributions based on your tax situation each year? Who is analyzing this choice to maximize your retirement potential?
Health Savings Account
Is the HSA-eligible high-deductible plan right for your family? If so, do you know how to use your HSA as a supercharged retirement account?
Preferred Shares & Net Unrealized Appreciation (NUA)
Legal Services & Open Enrollment
Are you analyzing your open enrollment choices each year to take advantage of your total compensation? Did you know P&G can subsidize an estate plan that can protect your wealth and heirs?
P&G SIP Account
A lifetime of commitment to the Company can leave you with a lot of P&G stock at retirement. This can be an invaluable, tax-efficient income source in your 60s or a concentration risk that threatens your whole plan. Do you have a plan to ensure the former?
Up until the 2025 fiscal year, P&G contributed preferred shares into employee PST accounts. This presents a unique planning opportunity available to nearly no one else in America. It can give P&G alumni access to a huge pot of flexible assets on which to retire early, pay for college, pay for Roth conversions or simply suppress your effective tax rate for years. It also has many pitfalls, both while you are with the Company and after. Find an advisor that understands NUA and can help you wield it effectively.