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2 items tagged Retirement Planning · Sort

White Paper · September 1, 2026 · Jonathan Leslie, CFP®

Nike Retirement Vesting - How age 55, five years of service, and your grant date can change the value of RSUs and stock options.

A Nike employee’s retirement date, age, years of service, grant date, and award type can determine whether unvested RSUs and stock options accelerate, continue vesting, vest only partially, or are forfeited. The article explains the counterintuitive result that options may be riskier investments yet better-protected retirement benefits, and it recommends a grant-by-grant audit—especially around age 55 plus five years of service, the September 1, 2024 rule change, and each grant’s first anniversa

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Article · July 27, 2026 · Wade D. Pfau, Ph.D., CFA

The Lifetime Sequence of Returns: A Retirement Planning Conundrum

This white paper explains sequence of returns risk, the risk that the timing of investment gains and losses can significantly affect retirement outcomes even when investors earn the same average return over their lifetimes. The research demonstrates that two individuals who save the same amount, for the same number of years, and receive returns from the same market distribution can end up with dramatically different retirement outcomes solely because of the order in which those returns occur. Th

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