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ESOP Participant's Complete Roadmap to Diversification Without Costly Mistake

FREE GUIDE FOR ESOP PARTICIPANTS

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Our Guide to Diversification and Retirement Planning cuts through the confusion surrounding deadlines, distribution choices, and tax implications that keep ESOP participants awake at night.

Peter Newman, President of Peak Wealth Planning

​Written by advisors who specialize in ESOP wealth transitions.

This guide provides the clear, step-by-step roadmap you need to confidently transform your concentrated company stock into a reliable retirement paycheck without triggering unnecessary taxes or missing critical deadlines.

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Master the Critical Timing Decisions

Understand exactly when to diversify your ESOP shares and how distribution timing directly impacts your retirement income potential

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Avoid Devastating Tax Mistakes

Learn the real financial consequences of spending ESOP proceeds versus rolling them into an IRA, including specific tax implications that could cost you thousands

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Calculate Your True Retirement Income

Discover the "4% rule" with real-world examples so you can confidently estimate your annual retirement paycheck from your ESOP wealth

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Navigate Complex ESOP Rules with Confidence

Get clear explanations of diversification eligibility, cumulative limits, and the pros and cons of keeping company stock versus diversifying

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Create Your Action Plan for Retirement Success

Follow practical steps for coordinating Social Security, planning for healthcare costs before Medicare, and working with the right advisors for your situation

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About the Author

Peter Newman, CFA, author of The Employee Owner's Guide to Diversification and Retirement, specializes in ESOP wealth transitions. Peter helps his clients achieve their unique goals and enjoy peace of mind.

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Peak Wealth Planning

4311 North Ravenswood Ave

Suite 217

Chicago, IL 60613

217-303-5040

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Serving areas in and around: Illinois (Champaign, Urbana, Springfield, Bloomington, Peoria, Chicago, Clarendon Hills, Long Grove, Buffalo Grove, Naperville, Evanston, Western Springs, Bannockburn, Oak Park, Hinsdale, Uptown, Ravenswood, Lakeview, Lincoln Square, Lincoln Park, Vernon Hills, Wilmette, and La Grange Park), and nationwide.

Copyright 2025. Peak Wealth Planning, LLC.

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Peak Wealth Planning, LLC only conducts business in jurisdictions where licensed, registered, or where an applicable registration exemption or exclusion exists.​

 

All investments and strategies have the potential for profit or loss. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor's portfolio. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses. 

Check the background of this firm and/or investment professional on FINRA's BrokerCheck.

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