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Oil Company Employees
Financial Planning for Oil Company Executives, Managers and Employees
We at Insight Wealth Strategies work very closely with many oil company managers, employees, and executives in San Ramon and Point Richmond, providing them with very detailed comprehensive plans to help them achieve their financial goals.
Our unique, sophisticated, proprietary financial planning process functions according to the following steps:
- Understand your unique financial situation and objectives
- Educate you about the multiple moving parts in your stock option and deferred compensation plans (CIP, DCP, DCP II, ESIP-RP, ESIP, LTIP, RRP, CRP, etc.), which our experience shows very few company personnel truly understand, even high-level San Ramon-based executives
- Develop a strategy to reduce future income taxes on retirement plan and deferred compensation plan assets, resulting in significant tax reduction
- Determine your existing estate tax liability and design a plan to minimize your potential estate taxes, now as well as 30 years in the future
- Analyze your overall investments/holdings and develop an overall asset allocation model based on your risk tolerance, income needs, taxes, time horizon, concentrated stock positions, etc.
- Analyze your stock option plans with respect to factors like systematic exercising, tax implications, hold vs. sell, stock option reload program, cashless exercise vs. cash purchase, hold vs. borrow to purchase, hold vs. sell to cover, etc.
- Provide a comprehensive financial plan that covers your company plans, retirement, investments and estate tax planning and illustrates your various alternatives
- Act as a catalyst and coordinate with your other advisors (whether in San Ramon or not) to implement your plan most effectively
- Meet quarterly to discuss and evaluate changes in your situation and propose appropriate changes to your plan
To learn more about what Insight Wealth Strategies can do for you or your oil company colleagues in San Ramon or Point Richmond, please call us at (800) 318-7848 or e-mail us at Info@insight2wealth.com
Neither Lincoln Financial Advisors Corp nor its representatives provide legal or tax advice.
Company retirement plans are subject to change. For specific plan information consult your human resource department.