Chevron Newsletters

GENERAL FINANCIAL PLANNING

Take a Healthy Approach to Long-Term Care
Unanticipated long term healthcare costs during your retirement from Chevron could ultimately place an unexpected financial burden on your family. Consider these four ways to avoid that possibility.... (continued)

How Personality Can Affect Performance
Your personality affects many things in your life — whether you’re shy or outgoing, which activities you enjoy doing, how well you get along with your fellow Chevron employees, and even your job function at Chevron. But personality can also affect investment performance, because certain psychological traits — rather than logic — might influence investment decisions....(continued)

Addressing Financial Planning Issues - Back to Basics
Regardless of what you’re earning, adhering to the principles of basic financial responsibility is always important, and often overlooked. Many Chevron employees enjoy the comforts of a good job, pension, healthcare coverage, life insurance and long-term care insurance....(continued)

11 Financial Resolutions for 2011
The Thanksgiving and Christmas holidays are a time to eat, drink and be merry (and forget about work). Reality typically sets in on New Year’s Day, which leads to the traditional round of resolution-making. This year....(continued)

Midyear Review
Summer is traditionally a time for fun, family vacations and a more relaxed pace of life - though maybe not so much this year if you might be affected by the "ROM." With everything going on, it's a good idea to consult a financial planner for a midyear review to see...(continued)

RETIREMENT PLANNING

5 Risks To Your Retirement Savings
Saving is just one component of a successful retirement plan for Chevron employees. To keep up to date, you should review your annual benefit statement from Chevron so you have an idea of the value of your retirement package.... (continued)

The Retirement Risk You Didn't Realize
After years of hard work at Chevron, you’re probably looking forward to a comfortable retirement. After all, it’s nice to know those evenings you devoted to completing your work will pay off with relaxing vacations and more time for golf, or any other hobby you have....(continued)

A Retirement Savings Tool You Might Be Missing
America's pending retirement savings crisis has drawn a lot of media attention lately, and for good reason....(continued)

Planning for a Long Retirement
Americans are living longer than ever, thanks to advances in health care, improved diets and better exercise....(continued)

Roth IRA Conversions - a Golden Opportunity
2010 is the start of a new decade, and the government is kicking it off with what many consider to be a very special opportunity....(continued)

Demystifying IRA Distributions
For most of us, the big worry about retirement planning is building a sufficient nest egg. With the proper planning, and the benefit of Chevron’s ESIP match, many Chevron employees....(continued)

Simplifying Retirement
Retirement planning for many Chevron employees can be a complex and intimidating proposition, which explains why some people simply delay doing it. To simplify your planning...(continued)

Plan Today for Retirement Tomorrow
Planning and saving for retirement, like cleaning out the attic, may be something you figure you'll get to later. If you're like most Chevron employees, you're happy to simply contribute to your ESIP....(continued)

Managing Your Cash Flow in Retirement
Retirement planning is a lifelong process, evolving from a focus on saving and investing to making sure you preserve your assets in order to sustain your cash flow when you retire from Chevron....(continued)

Budgeting to Retire
The old adage “out of sight, out of mind” is never truer than when it comes to budgeting for retirement. For Chevron employees, starting early is the best strategy....(continued)

INVESTMENTS

Investment Risk - There's No Escaping It!
Our current economic conditions may have some Chevron employees on edge, worried about how their money is doing during this critical time. Over the past decade, we have seen the market rapidly go up, then back down, just as quickly, and it has hardly proved stable – even when it did, it was only for a short period of time....(continued)

Lessons Learned from the Market
“Experience is the name everyone gives to their mistakes.” — Oscar Wilde

Over the last few years and especially with the unprecedented volatility of the last few months, Chevron employees have been given quite the opportunity to gain some “experience.”...(continued)

The Folly of Market Timing
Many Chevron employees started their ESIP account years ago with a few different funds and some Chevron stock and have left it alone their entire careers. On the other side of the spectrum are Chevron employees....(continued)

Dollar Cost Averaging
Wouldn't it be great to know in advance how an investment would perform? You could purchase an investment at its lowest price just before a surge in value. Or, you could sell it just as it reaches its peak before dropping. If you knew....(continued)

FAMILY PLANNING

Budgeting the College Lifestyle
It’s that time of year, when college admissions letters start to flood the mail boxes for those soon to be high school graduates. But along with those letters come hidden fees (yes, tuition is costly, but we’re talking about the everyday costs), something that most Chevron employees have to teach their children.... (continued)

Fitting College Funding Strategies into your Overall Picture
As the spring rolls in, so do college acceptances and the important decisions that follow. For many Chevron employees, this includes how to pay for college, which will be one of the largest expenses in your lifetime.... (continued)

Five Ways to Cover College Tuition
With college admission letters coming in, most Chevron employees either have children or know someone with children who are trying to decide where to go next year. Now seems as good a time as any to look at the other part.... (continued)

Teaching Children About Money
With school back in session, kids are getting back to learning their math, science, and reading. But there is one important subject that schools don't teach kids - money....(continued)
 

ESTATE PLANNING

Checking Up On Your Estate Plan
Most Chevron employees have an estate plan; you probably even remember creating it—making the decisions and pulling together the documents was probably a time-consuming and tedious effort. Chevron.... (continued)  

Covering All Bases for Timely Estate Planning
For Chevron employees who have worked hard, saved and invested, a good estate preservation strategy can help ensure that your assets are protected and loved ones cared for in the future....(continued)
 

RISK MANAGEMENT

Determining the Need for Disability Income Insurance
No one likes to think about becoming disabled. But it happens far more often than you may think. According to the Social Security Administration, a 30-year-old worker has a three-in-ten chance of becoming disabled before reaching retirement age....(continued)

The Hidden Cost of Health Insurance
Health care is causing a huge debate in Washington as health care costs have skyrocketed, and these escalating health care costs can undermine the best-laid retirement plans....(continued)
 

TAX REDUCTION STRATEGIES

Get Yourself in Tip-Top Tax Shape
Time really does fly and, before you know it, the calendar will turn to 2013. As 2012 draws to a close, there are some things you should be doing… that is if you want to avoid paying taxes that are higher than necessary. What follows is a short checklist that will help you and your Chevron colleagues reduce your tax bills....(continued)

Think Twice abour your ESIP
Does your ESIP account include shares of Chevron stock that have grown a lot since you acquired them? If you answered “no”, you’re probably the only Chevron employee who can say that....(continued)

Talking Taxes
Historically, many people don’t think about taxes until they’re facing the April 15 deadline. In fact, you’re probably thinking about your taxes right now....(continued)

Year End Tax List
The year may be ending, but Uncle Sam’s payday is still looming a few months away.... (continued)

SPECIAL CIRCUMSTANCES

How Inflation Affects You
It’s been a long time, over 100 years, since Chevron came into existence (under the name Pacific Coast Oil Company and later Standard Oil Company of California). At that time, you could find all sorts of wrapped candies for just a penny apiece. Today, Chevron employees and their families would be lucky to find ....(continued)

The American Taxpayer Relief Act of 2012
Americans have always had a flair for the dramatic. But finally, after days of deliberation, Chevron employees and other individuals learned of a new relief act that will be put in place for taxpayers. Below is information provided to help Chevron executives and employees ....(continued)

Now That the Election's All Over
It’s been roughly one month since Barack Obama was re-elected as the President of the United States and the Republican party maintained its majority in Congress. In that time, many of my Chevron clients have asked how these two outcomes will affect the financial landscape....(continued)

The Flows in Your Plan
For most Chevron employees -even those with significant wealth-a secure financial future doesn't simply happen. Instead, it must be carefully crafted to help meet your most important goals....(continued)