35+ Years Guiding P&G Families Through Retirement

Q: Should I roll over my P&G Savings Plan into an IRA, or leave it where it is?

Whether to roll a P&G Savings Plan into an IRA depends on factors like investment options, fees, required minimum distribution rules, and whether the client holds P&G stock eligible for NUA treatment. RCA helps P&G employees and retirees weigh these factors as part of an overall retirement income strategy.

Q: How is P&G stock in my Savings Plan or PST taxed differently than other retirement accounts?

P&G stock held in a Savings Plan or Profit Sharing Trust can be eligible for Net Unrealized Appreciation (NUA) treatment, meaning the stock's growth may be taxed at long-term capital gains rates instead of the ordinary income tax rates that typically apply to other retirement account withdrawals.

Q: When should I start planning my transition out of P&G?

The earlier, the better. Decisions about a Profit Sharing Trust, potential NUA treatment, and Savings Plan rollover are easier to plan for before leaving P&G, not after. RCA recommends starting the conversation once a client begins considering retirement.

Q: Can RCA help me build a retirement income plan using my PST and Savings Plan together?

RCA builds a personalized Family Master Plan that brings a client's Profit Sharing Trust, Savings Plan, Social Security, and any outside assets together into one coordinated retirement income strategy, rather than treating each account as a separate decision.

For over 35 years, RCA has helped Procter & Gamble families navigate the transition from paycheck to retirement. Our personalized Family Master Plan® replaces your P&G income with a dependable, disciplined stream of income you can count on.

Decades of Experience with P&G Families

35+

Years serving P&G Families

328

P&G families currently served

475

P&G families served since 2001

100%

Fiduciary Commitment

Your Journey from P&G to Retirement

Different decisions matter at different stages. Click a stage below to see what to focus on.

Working at P&G

Considering Retirement

Leaving P&G

Retired

Working at P&G

Your Profit Sharing Trust and Savings Plan may grow over time. This is the time to understand how your P&G stock accumulates and how it fits into your broader financial picture.

Your P&G Transition, Planned in Detail

Leaving P&G means navigating decisions that don't come with a simple playbook. Here's what we help you work through first.

Profit Sharing Trust (PST)

Understanding your distribution options and how they fit your broader retirement income plan.

Net Unrealized Appreciation (NUA)

Evaluating whether NUA treatment on P&G stock could reduce your tax burden.

Savings Plan Rollover

Deciding how and when to roll over your Savings Plan into a strategy built around your goals.

Our team learns your specific situation, goals, and risk tolerance first — then builds those decisions into your personalized Family Master Plan®. Explore our Resource Center for articles, calculators, and videos, or send us your questions directly. We'll get back to you with a thoughtful answer.

More Than Investments — A Complete Plan

Your Family Master Plan® goes beyond your P&G accounts, so every part of your financial life works together.

Budgeting

Striving to align your income and expenses with the retirement lifestyle you want.

Tax Strategy

Planning distributions and conversions to help manage your tax burden.

Estate Planning

Helping you plan for the transfer of your assets in accordance with your wishes.

Insurance

Aiming to preserve the plan you've built against life's unexpected moments.

EXPLORE THE FAMILY MASTER PLAN

Ready to Plan Your Transition from P&G?

If you're approaching retirement or considering leaving Procter & Gamble, let's review your PST, Savings Plan, and overall goals to see how RCA's Family Master Plan® approach fits your situation.

SCHEDULE YOUR "LEAVING P&G" CONSULTATION

P&G Retirement Planning FAQs

Answers to common questions from Procter & Gamble employees and retirees about the PST, NUA, and Savings Plan.

What is Net Unrealized Appreciation (NUA), and how could it reduce my taxes on P&G stock?

Net Unrealized Appreciation (NUA) is a tax strategy that may allow the growth in your P&G stock held within your Profit Sharing Trust to be taxed at long-term capital gains rates instead of ordinary income tax rates, potentially reducing your overall tax burden when certain conditions are met. Because NUA decisions depend on your specific stock basis, tax situation, and timing, RCA's Cincinnati-based fiduciary team evaluates whether NUA treatment makes sense as part of your personalized Family Master Plan®.

What is the P&G Profit Sharing Trust (PST), and what are my distribution options?

The P&G Profit Sharing Trust (PST) typically offers several distribution options when you leave the company, including a lump-sum distribution, a rollover to an IRA, or in some cases Net Unrealized Appreciation (NUA) treatment on P&G stock held within the plan. The right choice depends on your tax situation, other assets, and retirement income needs — RCA reviews your specific PST options as part of your personalized Family Master Plan®.

Should I roll over my P&G Savings Plan into an IRA, or leave it where it is?

Whether to roll your P&G Savings Plan into an IRA depends on factors like investment options, fees, required minimum distribution rules, and whether you hold P&G stock eligible for NUA treatment. RCA helps P&G employees and retirees weigh these factors directly, so the decision fits your overall retirement income strategy rather than being made in isolation.

How is P&G stock in my Savings Plan or PST taxed differently than other retirement accounts?

P&G stock held in your Savings Plan or Profit Sharing Trust can be eligible for Net Unrealized Appreciation (NUA) treatment, meaning the stock's growth may be taxed at long-term capital gains rates instead of the ordinary income tax rates that typically apply to other retirement account withdrawals. This can meaningfully change your tax bill depending on how much your P&G stock has appreciated over your career.

When should I start planning my transition out of P&G?

The earlier, the better. Decisions about your Profit Sharing Trust, potential NUA treatment, and Savings Plan rollover are easier to plan for before you've left P&G, not after. RCA recommends starting the conversation once you begin considering retirement, so your Family Master Plan® is ready before you need it.

Can RCA help me build a retirement income plan using my PST and Savings Plan together?

RCA builds a personalized Family Master Plan® that brings your Profit Sharing Trust, Savings Plan, Social Security, and any outside assets together into one coordinated retirement income strategy, rather than treating each account as a separate decision.

Does RCA only work with Procter & Gamble employees, or other clients too?

While RCA has a long history specializing in the unique retirement needs of Procter & Gamble employees and retirees — including PST distributions, NUA, and Savings Plan rollovers — RCA is a Cincinnati-based fiduciary team that also serves private wealth families more broadly. Learn more about our approach for private wealth families.

Still have a question? Reach out below and we'll get back to you.

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