In planning any retirement, there are a number of important decisions you must make.  But for Publix Associates, there are 2 that are critical to the planning process, and your future, because they affect virtually every other decision.

1) How much do you want to keep in Publix Stock?

2) How much of your distribution – if any – do you want to rollover into an IRA? 

Once the choice is made, it cannot be reversed and determines virtually ALL of the following:

• The amount of taxes and tax penalties you’ll pay on the distribution.
• The taxes you’ll pay on any future growth.
• The taxes you’ll pay if and when you decided to diversify.
• The amount your heirs will inherit.
• The amount they will pay in taxes and how easy it will be to inherit.
• Where your retirement income will come from and it’s taxability.
• The amount of risk you’re taking.
• Whether or not it will be protected from creditors (varies depending on which state you live in).
• Whether or not you’ll be forced to begin taking distributions at age 70½ (even if you don’t need the money).

Remember, we’re here to help you navigate through the maze of options as well as helping you maximize the benefits you’ve accumulated over time.