Are you an ESOP participant with $1 million+ in company stock facing those confusing diversification deadlines?
You're not alone if you're losing sleep over questions like: When exactly should I diversify? How do the 25% at 55 and 50% at 60 rules actually work? What happens if I miss a deadline or make the wrong tax decision?​​​
The reality is, ESOP diversification involves highly specialized rules and timing considerations that require deep expertise. Coordinating company valuations, payout schedules, and retirement income planning demands someone who lives and breathes these complexities daily. One wrong move with diversification timing or tax strategy could cost you tens of thousands of dollars – or worse, jeopardize your entire retirement security.
At Peak Wealth Planning, ESOP diversification is our specialty.
​​We've built our practice specifically around helping ESOP participants like you navigate these complex rules and transform your company stock into a reliable retirement paycheck. We've guided multiple ESOP participants through successful diversifications without missing deadlines or triggering unnecessary taxes.
Your ESOP Wealth Strategy
Navigate Complex ESOP Rules
We understand the intricate timing of 180-day deadlines, cumulative diversification limits, and payout delays because we work with these situations every day. Working closely with your plan administrator, we create a precise roadmap that ensures you never miss a critical deadline or make costly timing mistakes.
Diversify Your Concentrated Risk
We help you strategically move from concentrated company stock to a balanced, diversified investment portfolio. Our deep expertise in ESOP rollover rules, unrealized appreciation strategies, and coordination between distributions and IRA transfers ensures every dollar transitions tax-efficiently.
Protect What You've Built
Beyond investments, we identify risks that could derail your retirement – from healthcare costs before Medicare kicks in to long-term care expenses and liability threats. We build comprehensive protection around your growing wealth so unforeseen events don't destroy what you've worked decades to build.
Convert to Regular Retirement Income
This is where ESOP wealth becomes your retirement paycheck. We design systematic withdrawal strategies and income streams that align with your ESOP payout schedule, the goal of which is to maximize the probability you cannot run out of money during active retirement years.
Your Confident Retirement Decision Starts Here.
Imagine having complete clarity about your ESOP diversification strategy – knowing exactly when to act, how much to diversify, and how every decision fits into your broader retirement plan. Picture the peace of mind that you might be able to enjoy by working with advisors who've successfully guided ESOP participants through these exact same complex decisions for over a decade.
That confidence is within reach. Your decades of dedication to your employee-owned company deserve expert guidance to transform that wealth into the secure, fulfilling retirement you've earned.
Ready to Take Control of Your ESOP Diversification Strategy?
Don't let confusion about deadlines and tax implications put your retirement at risk.
Schedule your free, no-obligation consultation today and discover exactly how to turn your ESOP wealth into the retirement paycheck you deserve. Click below to book your confidential strategy session.
There's no cost, no pressure – just clear answers to your most pressing ESOP questions and a roadmap for your financial future.