Saxon Financial Group

Most Oil & Gas professionals will make one retirement decision worth six figures, and most have never heard of it.

It's called Net Unrealized Appreciation (NUA), an IRS provision that applies if you hold company stock inside your 401(k).

The default move at retirement is rolling everything into an IRA. Simple, clean... and potentially a huge mistake.

Here's why: roll that company stock into an IRA, and every dollar of growth eventually gets taxed as ordinary income, rates as high as 37%.

Use the NUA strategy instead, and decades of appreciation can be taxed at long-term capital gains rates, potentially 15-20%.

On a large, highly appreciated stock position, that difference can easily reach six figures.

The catch? It's use-it-or-lose-it. Once the rollover happens, the opportunity is gone. Permanently.

And it's just one of several decisions energy professionals face that most general advisors rarely encounter:

→ Pension lump sum vs. annuity elections
→ Concentrated company stock risk
→ Early retirement packages with tight deadlines

If you're within 0-5 years of retirement and your 401(k) holds company stock, it's worth a conversation before you make any irreversible moves.

We're offering complimentary retirement reviews for oil & gas professionals.

Send us a message to grab a spot.

What is Net Unrealized Appreciation (NUA)? - Saxon Financial Group Net Unrealized Appreciation (NUA) is an important concept in financial planning, specifically for individuals who hold company stock within their 401(k)