Costco

You've Spent Years Building Your Costco 401(k).

Let's Make Sure You Keep as Much of It as Possible.

We specialize in retirement planning for Costco employees and retirees — including the tax strategies most advisors overlook entirely.

Costco's 401(k) plan is generous. But generous accumulation and smart distribution are two very different things. If you've worked at Costco for any significant length of time, there's a good chance you've built up company stock inside your plan. And if you have, the way you choose to move that money at retirement can make a dramatic difference in how much of it you actually keep. Most people roll everything into an IRA and move on. It's the default. It's also often the most expensive choice — and by the time most retirees realize it, the window to act has already closed.

There's a little-known IRS provision called Net Unrealized Appreciation — NUA — that allows eligible Costco employees to distribute company stock from their 401(k) and pay long-term capital gains tax rates on the growth, rather than ordinary income tax rates. For someone with significant Costco stock appreciation, that difference in tax treatment can be substantial. But the strategy has strict eligibility rules, precise timing requirements, and must be executed correctly to work. Done wrong, the opportunity disappears — and so do the savings.

I am giving Masonboro Advisors five gold stars - and that's only because Google reviews won't let me give them more! My wife died in Nov at age 38. She and I thought we had plenty of time to create a long term financial plan. While winding up legal matters brought on by my wife's death, my lawyer recommended meeting with Ryan Burton. Ryan met with me immediately. Within weeks he developed a plan to ensure I live within my budget, set up funds for the future education needs of our three children, and taught me how to secure my retirement. His time and attention greatly eased my stress. I plan to use their services for future investments and strongly recommend them to you!

anonymous

★★★★★

We've made it our focus to deeply understand Costco's 401(k) plan — its structure, its matching provisions, its distribution options, and the specific strategies that apply to Costco employees that most generalist advisors simply aren't aware of. If you work for Costco or recently retired from Costco, we're not going to treat you like a generic client. We're going to treat you like the specific situation you are.

Your Free Consultation: What to Expect

In your free consultation, we will: · Review your current 401(k) balance and company stock position · Determine whether an NUA strategy applies to your situation · Walk you through your distribution options and the tax implications of each · Answer any questions you have — with no sales pressure and no obligation This is a conversation, not a pitch.

Get in Touch Today

Book your free Costco 401(k) review below.


Available for current Costco employees and retirees only. No cost. No obligation.