Our time-tested services and solutions for UPS executives and their families can help you identify and pursue your financial goals, including tax-sensitive portfolio diversification, pension advice, effective risk management, retirement and estate planning.
We have a deep understanding of the UPS benefits plans, compensation programs, and corporate culture.
Our UPS Customized Service
Merit has deep experience working with the financial planning needs of corporate executives at Fortune 500 corporations in particular issues relating to company stock holdings, and sales and tax consequences.
Our customized financial and investment advisory services for UPS executives and retirees include tailored advice on:
- UPS stock ownership guidelines, restricted stock, & long-term incentive programs
- UPS Pension Options & Strategy
- Diversification, Risk Mitigation, and Hedging Strategies
- UPS Lending and Class A Share Hypothecation Programs
- Liability Management Strategies
- Estate Planning and Family Planning Strategies
- Gifting Strategies
Company Stock
We understand the emotional attachment executives can have to their company stock and the inherent risks of concentrated stock positions.
Merit provides guidance on:
- Company Stock Holding and Tax Managed Diversification Strategies
- Restricted Stock Units
- Incentive and Non-Qualified Stock Options
- Pension and 401(k) Allocations
- Tax Consequences of Selling Low-Cost Basis Stock
- Hedging and Borrowing Strategies
- Estate Planning and Gifting Strategies
Pension
One size does not fit all with UPS Pensions. Your pension will be unique to you. Many factors can determine the type of pension you have access to, including your age, tenure with the company. Once you choose your pension option it cannot be changed, so taking all your choices into consideration as you build the most effective financial plan is extremely important.
Questions to consider:
- Should I take the single life or joint life option to protect my spouse? OR another option all together?
- Will I be offered an early exit? Should I take it?
- Are there successful alternative strategies I can use to optimize my pension using insurance strategies? Is there a way to protect my spouse while leaving myself with more after tax cash flow than the joint life option?
- What is the effect on my long term financial plan if inflation takes hold given that my pension doesn’t adjust for rising costs?
These are key factors to consider while planning for your retirement.
Financial Management Services for United Parcel Service Clients:
Our time-tested services and solutions for UPS executives and their families can help you identify and pursue your financial goals, including tax-sensitive portfolio diversification, pension advice, effective risk management, retirement, and estate planning.
We have a deep understanding of the UPS benefits plans, compensation programs, and corporate culture.
Working with United Parcel Service employees over the years has given us in-depth knowledge of company-specific issues, such as pension plans, health care options, stock awards, tax issues, and other considerations that affect executives. Additionally, Merit has designed proprietary financial planning and asset management strategies aimed at addressing these unique concerns.
We offer our executive clients a complete range of wealth management, life event planning, and investment services they need today. Our goal is to help you develop more durable solutions at every stage of your financial life, from a promotion or career change to company stock management to retirement and estate planning. Our customized solutions for corporate clients include tax-controlled diversification strategies, hedging and option strategies, aggregation services, and more.
Your Merit financial advisor is committed to providing the individual attention, due diligence, risk management discipline, and professionalism you expect from an advisor.
UPS is not affiliated with, nor does it endorse Merit Financial Advisors or LPL Financial. All are separate entities. All investing involves risk, including loss of principal. No strategy assures success or protects against loss.
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*UPS is not affiliated with or endorsed by Merit Financial Advisors or LPL Financial