Your Needs

Wealth Advisory for P&G Employees

Finding Value in Retirement & Beyond

For P&G employees and alumni, choosing a wealth management firm is one of the biggest financial decisions you will make. The options for financial advisory and investment services can be overwhelming, and the key is finding a team that will deliver value by connecting the dots of your financial life. The Truepoint experience is more than just the management and distribution of your PST and SP – it’s providing you and your loved ones with a dedicated team and innovative plan that aligns your values and generates happiness, not stress.

Where Are You in Your Career & Retirement Journey?

Growing Your Career

We get it – life is very busy at this stage. A demanding career and personal obligations are all competing for your attention. But some of the decisions you can make now may provide incredible opportunities down the road.

Some of the questions you might be considering include:

  • Is my portfolio aligned with my needs and goals?
  • How do I determine the right benefit elections each year?
  • What are my insurance needs, both now and down the road?
  • How do I decide between stock options vs. cash or RSUs?
  • How much should I be saving outside of the PST and SP?
  • What estate planning documents do I need?
  • How can I minimize taxes?
Anticipating the New Phase

With retirement from P&G starting to come into the forefront, it’s time to get even more tactical when it comes to planning. While you’re still managing a full workload and possibly some changes in your personal life (like children leaving the nest).

These are some key considerations you may be pondering:

  • Should I be concerned with concentration risk and too much P&G stock in my portfolio?
  • How do I contribute to (and potentially consolidate) outside IRAs?
  • What do I want to do in retirement?
  • How do I need to think about my pending separation from P&G?
  • How does my portfolio allocation need to change for the long term?
  • What other investment or savings accounts should I have?
  • Do I truly want to retire or will I consider a “second act”?
  • When is the best time to exercise stock options?
Preparing for a New Day

Retirement is just around the corner, and if you’ve done the right planning with the right team, you’re well on your way. But if you haven’t worked with an advisor until now, it’s not too late (in fact, we strongly believe that it’s never too late to find the right advisor relationship).

Here’s what might be going through your head right now:

  • What distribution options are available for my PST and SP?
  • Is the Frank Duke method right for me?
  • Do I want to move to another state upon retirement?
  • What will be my cash flow in retirement?
  • Do early retirement packages make sense for me?
Turning the Page

Whether you decide to embrace a more traditional retirement to pursue life’s pleasures or feel drawn to consulting work or a “second act”, you should take pride in your P&G tenure and plan to use the savings and investments to help fund this new phase of your life.

At this point, many P&G alumni consider the following questions:

  • How will I earn income in retirement?
  • What’s the best way to manage concentration risk and exposure to P&G stock?
  • Should I establish other retirement accounts if I continue to work?
  • What will be my financial legacy to my loved ones?
  • How can I maximize tax savings from charitable goals?
  • Is a Roth IRA conversion right for me?
Your New Chapter

Retirement is here! Hopefully, you’ve given some thought as to how to spend your time. Retirement isn’t just about having the right financial plan in place – it’s about making the most of another important currency: your time.

By now, you likely have a good plan, and you may be thinking about questions like:

  • If something happens to me, will my spouse be okay?
  • When do I take social security?
  • How should I effectively use a Health Savings Account?
  • What’s the impact of changes to retiree healthcare plans?
  • Are my estate plans and documents updated and aligned to my wishes?
  • How do I withdraw assets from retirement accounts in the most tax-efficient way?

Truepoint Wealth Counsel’s specialized team has worked closely with P&G executives for decades.

We offer deep experience and broad perspective on the specific financial issues faced by P&G employees and retirees. We admire the company’s commitment to excellence and have designed a tailored service model and approach to meet those high standards. Our team is here to help you gain clarity and confidence about your near-term choices and long-term goals.

John S. Evans, CFP®, CPA/PFS
Sr. Wealth Advisor & Shareholder
John S. Evans
Eric Ross, CFP®
Director of Financial Planning & Shareholder
Eric Ross
Lauren M. Niestradt, CFP®, CFA
Sr. Portfolio Manager
Lauren M. Niestradt
Kate Brownstein, CFP®
Financial Planner
Kate Brownstein
Scott M. Barbee, CFP®, CPA
Sr. Wealth Advisor & Shareholder
Scott M. Barbee
Heather J. Spencer, CPA, CFP®
Sr. Wealth Advisor & Shareholder
Heather J. Spencer

Posts related to P&G Employees and Retirees

David J. Bross
Nichole Williams
David J. Bross and Nichole Williams   October 23, 2020
Tax and Estate Considerations of the Duke Method
Read More
Nate Johnson
Nate Johnson   October 23, 2020
It’s Annual Benefits Enrollment Season at P&G
Read More
Nate Johnson
Jordan Patrick
Nate Johnson and Jordan Patrick   August 27, 2020
Weighing Your Choices: The 2020 P&G LTIP and STAR Award Election
Read More