Maximize Your Chevron Retirement
Turn Decades of Dedication Into a Lasting Legacy.
The complexity of your benefits package — from the 401(k) savings plan and employee stock ownership plan (ESOP) to your pension and stock awards — could be costing you hundreds of thousands in potential wealth. We provide specialized expertise to turn that complexity into clarity and financial confidence.
We welcome you to schedule a discussion with Stephen Bauer, CFP®. During this discussion, you will:
- Share your current situation and goals
- Get your financial questions answered
- Discuss building your financial strategy
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A Financial Plan That Is Unique to You
Our personal financial advisors partner with you to create a custom-tailored financial strategy to meet your complex financial planning, investing and estate planning needs, including a comprehensive review of your Chevron benefit statements, stock awards and personal goals.
Your advisor will work with you to understand your mindset, your view on money, and how your life and money connect through our proprietary HonestConversations® exercise. They will then create a plan based on your goals, needs and risk preferences with your values, priorities and beliefs at the center. We build a customized retirement blueprint, which includes detailed projections for cash flow, tax optimization using NUA and Roth conversion strategies, and a plan for your pension election.
A Completely Customized Portfolio
Your advisor determines your ideal asset allocation and constructs a portfolio that connects with your plan and preferences to maximize your return on life.
We act as your strategic liaison, guiding you through the complex coordination between Chevron HR, Via Benefits, Computershare, Fidelity and other institutions to help ensure a seamless transition.
You can expect your portfolio to:
Include a curated set of investment managers and strategies
Receive ongoing oversight and performance management
Reflect your goals and risk tolerance
Comprehensively incorporate your Chevron benefits
Our Expertise in Chevron Benefits
Our mission is to guide corporate professionals like you toward financial independence. Unlike generalist planners, we have cultivated deep, authoritative knowledge of the Chevron benefits ecosystem. We are aggressive stewards of your growth, turning corporate complexity into a strategic advantage.
The Chevron 401(k) Savings Plan
We help you maximize your 7% company match and implement the powerful mega backdoor Roth conversion strategy for tax-efficient retirement income.
Net Unrealized Appreciation (NUA)
We navigate the complex, multi-step NUA process involving your ESOP and stock awards to potentially save you six figures in taxes on your Chevron stock holdings.
Pension and Supplemental Plans
We analyze monthly interest rate changes and market conditions to help you strategically time your retirement and decide between a lump sum and an annuity.
Stock Awards and ESOP
We create a tax-efficient plan to manage vesting schedules, diversification strategies, and the optimal timing for stock transactions, which is especially important given Chevron's dividend and price history.
Your Specialist in Chevron Retirement Planning
Stephen Bauer, CRPC™, CFP®
As a Managing Director at United Capital Financial Advisors, Stephen specializes in building comprehensive retirement strategies for executives in the oil and gas industry. With a background in both business and engineering, he excels at breaking down complex financial concepts into clear, actionable plans.
Stephen’s deep, institutional knowledge of both Chevron's benefit systems and the oil and gas industry has made him the advisor of choice for more than a hundred families navigating their transition to retirement. Stephen is a proud member of The Woodlands community, where he lives with his family, and an active member in the Rotary Club of The Woodlands.
More About United Capital
United Capital is one of the largest independent registered investment advisors in the United States, working with more than 13,000 clients, overseeing more than $17 billion in assets under management and employing 100 wealth advisors across 50 offices in 25 states.
Even if you are already working with a financial advisor, we believe United Capital’s comprehensive financial planning offering will be a true value-add and an enhancement to the benefits provided by Chevron.