Don't let taxes and poor planning erode what you've worked decades to build. SBC Financial specializes in helping employees like you roll over your ESOP distribution into a tax-advantaged retirement plan and build a retirement you can count on.
Once your ESOP distribution is triggered, you typically have 60 days to decide whether to roll it over into an IRA or 401(k). Missing this window can result in a large, immediate tax bill.
Without proper planning, your ESOP payout could be treated as ordinary income, potentially pushing you into a higher tax bracket and costing you tens of thousands of dollars.
This may be the largest single sum of money you ever receive. How you invest it will determine the quality of your retirement for decades to come.
SBC Financial has helped Michigan families navigate complex retirement transitions since 2008. We already work with several Bradford White employees and their families. Here is how we help them make the most of their ESOP distribution.
We walk you through the exact steps to roll over your ESOP distribution into a tax-advantaged IRA or 401(k), preserving your wealth and deferring taxes.
Our team builds a strategy to minimize your tax liability on your distribution — including evaluating Net Unrealized Appreciation (NUA), a tax strategy unique to ESOP participants that could allow you to pay lower capital gains rates instead of ordinary income tax — so you keep more of what you earned.
We create a personalized retirement income plan that ensures your ESOP payout works for you for the rest of your life.
We help you protect and pass on your wealth to the people and causes you care about most.
Request your complimentary copy of "What Every ESOP Participant Needs to Know About Their Distribution." A member of our team will reach out to schedule your complimentary consultation, where you will receive your guide in person. No obligation, no pressure.
Thank you for requesting your guide! A member of our team will be in touch shortly to schedule your complimentary consultation, where you will receive your ESOP guide in person.
Speak directly with an SBC Financial advisor about your Bradford White ESOP distribution. No cost, no commitment. Just clear answers to your most important retirement questions.
We are proud to serve multiple Bradford White employees and their families. Here is what our clients have to say about working with us.
SBC Financial helped me understand exactly what to do with my retirement payout. I felt completely confident in my decision and avoided a tax bill I didn't even know was coming.
Curtis and his team took the time to explain every option. They were patient, thorough, and genuinely cared about my family's future. I can't recommend them enough.
I had no idea how complex an ESOP rollover could be. SBC Financial made the whole process simple and stress-free. My retirement is in great hands.