Professionals in the technology, energy/oil, utilities, and banking industries often accumulate substantial employer stock inside their retirement plans. As retirement or a career transition approaches, decisions around that stock can create permanent tax consequences if not handled carefully.
At Tomren Wealth Management, we regularly help clients evaluate and execute the Net Unrealized Appreciation (NUA) strategy as part of a broader retirement and tax planning process.
Why Experience With NUA Matters
NUA is a one-time opportunity that must be executed correctly. Once employer stock is rolled into an IRA, the strategy is generally no longer available.
Clients from large employers often face:
- Significant, concentrated employer stock
- Low historical cost basis from long tenure or equity compensation
- Complex retirement plan stock fund rules
- High current or future tax brackets
- Retirement timing tied to layoffs, early retirement programs, or plan elections
Because NUA intersects tax planning, retirement distributions, and investment strategy, experience and sequencing matter.
When to Reach Out
You may want to contact Tomren Wealth Management if:
- You hold employer stock inside a retirement plan
- You are approaching retirement or recently retired
- You are unsure whether NUA applies to your situation
- You want to avoid mistakes before rolling assets to an IRA
You do not need to have all the answers before reaching out. Many clients contact us simply to gain clarity before taking action.