Insights & Articles
Perspectives on wealth, planning, and the decisions that shape a legacy.
The Intel Retirement Decision - Compare Dates, Not Just Goals
An Intel retirement date can affect bonuses, ESPP purchases, equity-award treatment, retiree medical eligibility, SERPLUS payments, retirement-account tax opportunities, and income timing—sometimes by a matter of days. This educational white paper helps Intel employees compare realistic retirement dates, verify the rules controlling each benefit, measure after-tax tradeoffs, and balance financial outcomes with health, family, purpose, flexibility, and other life priorities.
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The Intel Retiree Medical Decision - Healthcare Planning Is Date-Sensitive
Retiring from Intel may require coordinating the end of active coverage with IRMP, SERMA, COBRA, Medicare, HSA rules, and coverage choices for spouses or dependents—often on different dates. This educational white paper helps Intel employees verify eligibility, build a healthcare calendar, evaluate SERMA as a finite reimbursement resource, and compare premiums, out-of-pocket costs, tax interactions, and coverage handoffs within the retirement budget.
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Intel Stock - How Much Intel Stock Is Too Much?
Intel stock can accumulate through vested RSUs and PSUs, ESPP shares, exercised stock options from equity compensation, taxable holdings, and the Intel Stock Fund inside the 401(k), making account-by-account analysis incomplete. This educational white paper helps Intel employees measure their total household exposure, track future equity, evaluate employer-linked risk, and develop a tax-aware diversification strategy aligned with their financial goals.
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The Intel Tax Diversification Decision - Preserve Future Tax Choices
Intel employees may accumulate pre-tax, Roth, voluntary after-tax, taxable, and SERPLUS assets, each with different tax and liquidity characteristics. This educational white paper explains how to coordinate those resources across working years, career transitions, retirement, Social Security, Medicare, and required-distribution years to preserve future flexibility.
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The Intel SERPLUS Decision - One Election Can Shape Years of Cash Flow
Intel SERPLUS can coordinate salary and eligible bonus deferrals, potential make-up matching contributions, and future payment timing, but it also exchanges current cash for an illiquid, unsecured obligation of Intel. This educational white paper helps Intel employees evaluate deferral rates, distribution elections, tax considerations, liquidity needs, and employer credit exposure before making the annual election.
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The Intel NUA Decision - Before the Rollover, Evaluate NUA
Intel Stock Fund shares held within a 401(k) may qualify for net unrealized appreciation (NUA) tax treatment, but NUA is not automatically preferable to an IRA rollover. This educational white paper explains how to compare cost basis, taxes, timing, liquidity, concentration risk, and distribution requirements before selling or moving the shares.
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The Intel 401(k) Decision - Give Every Dollar a Purpose
Intel’s 401(k) involves interconnected decisions about capturing the employer match, choosing among pre-tax, Roth, and voluntary after-tax contributions, and managing Intel Stock Fund exposure. This educational white paper provides a framework for coordinating contribution sources, taxes, investment choices, Roth-conversion opportunities, and future distribution decisions within a broader retirement strategy.
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The Intel ESPP Decision - The Discount Is Only the Beginning
Intel’s Employee Stock Purchase Plan can turn payroll deductions into shares purchased at a discount, but the discount does not determine whether retaining those shares fits the household’s broader strategy. This educational white paper helps Intel employees evaluate purchase terms, tax considerations, recordkeeping, concentration risk, and what to do after the shares are purchased.
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The Intel Equity Awards Decision - Know the Award, Then Plan the Decision
What Intel employees should understand about RSUs, PSUs, vesting, taxes, and separation
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Leaving Intel - A financial checklist for final pay, equity awards, benefits, and retirement accounts
Leaving Intel can trigger interconnected decisions involving final compensation, equity awards, health benefits, and retirement accounts. This educational white paper provides Intel employees with a practical checklist for identifying key deadlines, understanding what may change at separation, and coordinating those choices before and after their final day.
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