Employee Stock Owners


ESOP Participants


Peak Wealth Planning specializes in helping employee owners plan for retirement. We listen to your unique vision for retirement. Do you want to spend time with grandchildren? Volunteer? Work part time? Travel? Start a business? Once we understand your vision, we estimate your retirement spending budget and take into account tax considerations. Next, we catalogue your current investments (employee stock, 401k, IRA, and real estate). We consider what age you can retire.


The goal is to comfortably live off your social security, ESOP, and other investments. We have the expertise to diversify your company stock into an investment portfolio to meet your lifestyle needs. It is common for employee stock owners to build concentrated wealth with an individual company stock. But, it is prudent to migrate to a diversified investment portfolio with a mix of stocks and bonds to preserve your hard earned wealth. Peak Wealth Planning can create that portfolio during your transition to retirement and distribute your retirement income each month or quarter.


In addition to planning for retirement, Peak Wealth Planning advises our ESOP clients on:

• when and how to diversify company stock

• what age is best to draw social security

• how to minimize taxes each year

• whether to take annuity in a single lump sum or income stream

• selecting long term care policy benefit levels

• plan for required minimum distributions (RMDs) from IRA

• gifting to children

• charitable giving and applicable tax laws

• inheritance for your children or favorite charity

• purchasing a second home


To get started today, schedule a call with Peter Newman or request our free Retirement Planning Workbook designed for ESOP participants.