P&G Retirement Services Resources

   

Procter & Gamble Preferred Shares for Charitable Giving

Utilizing P&G Preferred Shares in Retirement For Charitable Giving

One issue many Procter & Gamble retirees run into is devising a strategy to continue gifting charitably after income from employment ceases. Oftentimes, gifting during working years simply comes from extra cash, but in retirement, cash is needed for living expenses. If you, like many P&G’ers, take advantage of the net unrealized appreciation opportunity for the preferred shares in the profit sharing trust (PST) at retirement, there is a gifting strategy that may make more sense than gifting cash in retirement. Simply gifting the preferred shares has many potential benefits.

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Executive Summary: Earnings Report and Stock Price Reaction

Executive Summary: Earnings Report and Stock Price Reaction

P&G delivered impressive Q4 and fiscal year results. We saw broad growth across the portfolio with all 10 global categories growing organic sales. Management guided for organic sales growth of +3-4 percent and EPS growth of +4-9 percent for fiscal 2020. These all point to continued momentum in the business, driving the stock up 3.8 percent the day of the report.

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Typically when P&G employees turn 50, they are eager to begin diversifying away from their P&G concentration within their PST.

P&G Retirement Plan Offers Many Investment Options

Within the P&G Retirement Plan, there are many different options for where to allocate your investments. Once you turn 50, you have access to these  options within your PST, and you always have access to these options if you are saving in your 401(k) Savings Plan. This article summarizes the options available to you. 

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Beneficiary Designations Within The P&G Plan

Within the PST plan and the 401(k) Savings Plan, you are able to name beneficiaries for each account. In addition to requiring their Social Security number, there are federal regulations that apply to the beneficiary designations on both plans, and these rules look a little different for married and unmarried participants.

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Procter & Gamble's Q3 Earnings Review

P&G's Stock Down Despite Strong Growth

Procter & Gamble’s (P&G) third quarter results showed continued topline momentum with 5 percent organic growth, a level not seen since fiscal 2011. 

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IRA to Roth IRA Conversion Mariner GPS, thumbnail

Traditional IRA to Roth IRA Conversion Impact

The MarinerGPS Decision Center provides unique insight into your portfolio and allows you to manipulate a wide range of variables to determine possible outcomes, such as the possible impact of a traditional to Roth IRA conversion.

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P&G Options Move to ETrade

P&G Options Move to E*Trade

Earlier this year Procter & Gamble started moving its stock option platform away from the legacy platform that has been in place to E*Trade (P&G’S communication of this can be found here). This move only affects those who have retired or “graduated” from P&G.

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P&G Retirement Plan Distribution Choices Guide

Retirement Plan Distribution Choices Guide

Use this guide to review retirement plan choices and options that are based on your age and financial need.

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Top 12 P&G Questions & Mistakes

Top 12 P&G Questions & Mistakes

The unique knowledge of Mariner Wealth Advisors allows us to develop a comprehensive plan that is customized to the specific goals of each P&G employee and retiree.

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Three Bucket Strategy

How to Effectively Create a Paycheck in Retirement

Mariner Wealth Advisors' Three Bucket Strategy

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P&G Q2 2018 Earnings Podcast

P&G Q2 2018 Earnings Podcast

Nolan Kamerer, wealth advisor, & Kyle Moore, CFA®, portfolio manager at Mariner Wealth Advisors share their thoughts on P&G fiscal second quarter 2018 earnings report.

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P&G 2018 Q1 Earnings Podcast

P&G Q1 2018 Earnings Podcast

Nolan Kamerer, wealth advisor, & Kyle Moore, CFA®, portfolio manager at Mariner Wealth Advisors review P&G's first-quarter earnings.

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Everything You Need to Know After Separating From Your Company Thumb

Everything You Need to Know After Separating From Your Company

We strive to provide direction and a plan of action to those who find themselves unemployed.

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Are you thinking about leaving P&G?
P&G Q3 2017 Earnings Podcast

P&G Q3 2017 Earnings Podcast

Nolan Kamerer, wealth advisor, & Kyle Moore, CFA®, portfolio manager at Mariner Wealth Advisors review P&G's 2017 third-quarter earnings.

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Charitable Remainder Trust Guide

Charitable Remainder Trust Guide

Use this guide to understand the terms and benefits of using a Charitable Remainder Trust (CRT). A CRT is an option to diversify out of P&G stock, while minimizing capital gains tax and aiding the charity of your choice.

 
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IRA Trust as a Beneficiary

IRA Trust As A Beneficiary

Use this guide to understand how to use an IRA Trust as the beneficiary of your IRA. 

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IRAs: Traditional or Roth

IRAs: Traditional or Roth?

The type of individual retirement account (IRA) you choose can affect you and your family’s long-term savings. Use this guide to understand the differences between a traditional IRA and a Roth IRA.

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When should you start receiving social security?

When Should You Take Social Security?

Choosing the age to start drawing Social Security benefits is an important financial decision. This decision is even more important if you are married because your decision affects your spouse and family. Use this guide to help you evaluate the strategy that is right for you.

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Utilizing Stock Collars to Help Protect Against Risk of P&G Stock Price Dropping Rapidly

Stock Collars

Use this guide to understand stock collars, which is one way to protect against the risk of P&G stock price dropping rapidly, either just before exercising stock options or just after retirement and before you can diversify.

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Restricted Stock Units Guide

Restricted Stock Units Guide

Use this guide to understand Restricted Stock Units (RSUs) and what they mean to your financial plan & retirement. 

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Mariner Wealth Advisors P&G Stock option planning guide

Stock Options Guide

Use this guide to understand what stock options are and how to use them as part of your overall financial plan. 

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P&G Bond Ladders

Bond Ladders

In a bond ladder, the bonds’ maturity dates are evenly spaced across several months or several years so that the bonds are maturing, and the proceeds are being reinvested at regular intervals. The more liquidity that an investor needs, the closer together his or her bond maturities should be.

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Mariner Wealth Advisors is not affiliated with Procter & Gamble. Any reference to them should not be construed as an endorsement by either party.