Think Twice Before You Rollover...
How Rolling Company Stock Into an IRA Can Cost You Big at Tax Time!
For over 26 years, we've helped dozens of current and former Publix Associates through a variety of financial challenges. And because of our knowledge and experience, over 60 percent of our clients are current or former Publix Associates.
Option #1
Rolling your stock Into an IRA and holding
The Pros and Cons
Option #2
NOT Rolling your stock into an IRA and holding
The Pros and Cons
Option #3
Rolling your stock into an IRA and diversifying
The Pros and Cons
Option #4
Not Rolling your stock into an IRA, Selling, then Diversifying
The Pros and Cons
My own career with Publix started in 1979, and after retiring in 1999, I began my career in financial planning.
When I retired, the ESOP and Profit Sharing were still separate programs. And after beginning the distribution process with no experience or professional guidance at the time, I soon realized how confusing it can be.
Because of this experience, shortly after taking my own distribution I began helping other Publix Associates plan for their Life After Publix. 23+ years later, I'm still passionate about helping people like you avoid the mistakes I made, and still see people making today.
YES, I would like to schedule a complementary call with Mike
Schedule a CallCheck out what other Publix Associates are saying about us.....
“As a couple we were blessed to have worked for Publix Super Markets for over 75 years. This is not a typo - over 75 years between the two of us. With that said we did not take lightly who we chose to be our financial advisor once we retired. Mike has done right by us for the past eight years (since we retired) thru the ups and downs and the uncertainty of the markets.
None of us know what the future holds but it good to know we have him in our corner.”
Gary and Monica C.
Retired Director of Retail Merchandising and retired Store Manager, Miami Division of Publix Super Markets, Inc.
This statement is a testimonial by a client of the financial professional as of 08/16/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
“We have worked with Mike for over 20 years. He has helped us with many aspects of our lives, careers, and helped prepare us for retirement. We would strongly recommend him for anyone seeking information, advice, and guidance.”
Rich and Jean R.
Retired Assistant Store Manager – Miami Division of Publix Super Markets, Inc and retired Teacher/Guidance Counselor – Sumter County
This statement is a testimonial by a client of the financial professional as of 08/16/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
“Michael, you are such a great financial planner. You always answer all our questions with an open heart and honesty”
Mike and Alexis S.
Retired Assistant Store Manager – Jacksonville Division of Publix Super Markets
This statement is a testimonial by a client of the financial professional as of 05/08/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
“We’ve been clients of Mike’s since 2016. He always keeps us informed, making sure we don’t have any questions, and is always just an email or phone call away. We are very fortunate to have him as our financial advisor.
Thank you, Mike!!!”
Jeri and Dexter B.
Retired DSD and Stock Clerk – Lakeland Division of Publix Super Markets
This statement is a testimonial by a client of the financial professional as of 08/16/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial
My husband Paul and I would like to take this opportunity to acknowledge that Certified Financial Planner Michael Henderson has been the utmost attentive person to our needs and has provided us with a wealth of information, as well his expertise, advice and direction for our future financial goals.
Michael has been very sincere, honest and genuinely concerned about how we invest and manage our finances. He is quick to respond to any request in a very timely manner and we would highly recommend his services to anyone who is interested in better securing their financial future.
Thank you, Mike for taking a personal interest and building a lasting relationship with us.
Paul and Jerene K
Retired Truck Driver – Miami Division of Publix Super Markets, Inc.
This statement is a testimonial by a client of the financial professional as of 08/16/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
RetirefromPublix.com, LifeAfterPublix.com, LPL Financial and Crossover Point Advisors are not affiliated or endorsed by Publix Super Markets, Inc.
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YES, I would like to schedule a complementary call with Mike
Schedule a CallCharacteristics that define a financial advisor.
As a Publix Associate, I know choosing a financial advisor can be very confusing and there's no shortage of firms throughout the South actively seeking your business. I believe at least part of that confusion is because many in my industry have adopted the title "financial advisor". A Financial Advisor is registered to offer advisory services through a Registered Investment Advisor (RIA) which is registered with the SEC.
According to Investopedia.com
"a true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients, as opposed to serving the interests of a financial institution". "Generally, a financial advisor is an independent practitioner who operates in a fiduciary capacity in which a client’s interests come before their own".
www.investopedia.com/terms/f/financial-advisor.asp
With that in mind, I am:
- Credentialed - CERTIFIED FINANCIAL PLANNER™ professional (see the CFP® section for more details)
- Independent - we have no quotas, no proprietary products and we're investment product neutral
- Planning focused - we offer true financial planning for a fee.
- Process driven - we use a clearly defined process that has helped Publix Associates for over 2 decades.
I offer:
- Holistic, fee based advice - I have the training and experience to look at your total financial picture and understand how all the pieces fit together.
- Open architecture - the ability to provide all types of product solutions from thousands of providers.
- Flight time - I've spent 1000's of hours over the last 20+ years helping Publix Associates retire.
- I've been through the process - I understand Publix' paperwork, distribution process and potential mistakes
- I understand you - the Publix culture, the history you have with the company, and how important your retirement is to you.
Doesn't it make sense to have someone with this type of knowledge and experience working for you!