RETIRING FROM COSTCO?
This Is Not for Everyone
This planning process is designed specifically for:
- Current or former Costco employees
- Within approximately five years of retirement
- With $1,000,000 or more in their Costco 401(k)
If that’s not you, this likely isn’t the right fit—and that’s okay.
Why “Just Rolling It Over” Can Be a Costly Mistake
Costco’s 401(k) is different from most plans.
Because it allows company stock, long-time employees often face decisions around:
- Concentrated stock positions
- Complex tax rules
- Timing tradeoffs that only exist at retirement
In some cases, once your account is rolled over, certain tax strategies—like Net Unrealized Appreciation (NUA)—can be permanently lost.
These aren’t decisions you want to guess on.
We Specialize in Costco Retirement Planning
At Oak Hill Wealth Strategies, we work with Costco employees approaching retirement every day.
We understand:
- How Costco stock builds up inside the 401(k)
- How different contribution histories affect tax outcomes
- Why two employees with the same balance can face very different decisions
Our role is simple:
Help you understand your options before any irreversible steps are taken.
The Costco Retirement Readiness Plan
If you qualify, we’ll create a full retirement plan designed specifically around your Costco benefits, including:
- A clear breakdown of your 401(k) and company stock
- An explanation of potential tax strategies, including NUA
- Retirement timing considerations and tradeoffs
- A plain-English explanation of your options
There is no cost for this plan and no obligation to move forward.
DON’T ROLL OVER YOUR 401(K) UNTIL YOU UNDERSTAND YOUR OPTIONS
If you’re within five years of retirement and have $1 million or more in your Costco 401(k), there are planning decisions—especially around company stock—that can’t be undone once they’re made.
What to Expect NEXT
- You’ll schedule a short introductory call
- We’ll confirm fit and gather basic information
- We’ll prepare your Costco Retirement Readiness Plan
- We’ll walk through it together—so you can make informed decisions
No pressure. No product pitch. Just clarity.
What Costco Employees Often Tell Us
“I had no idea some of these options existed.”
“I’m glad I didn’t roll anything over before understanding this.”
“This was the first time someone explained it clearly.”