Understanding Costco’s 401k: What to Know Before You Retire

Costco’s 401(k) is one of the most unique plans in America. With company stock inside the plan and the ability to use Net Unrealized Appreciation (NUA), your retirement decisions can look very different from anyone else’s—even other Costco employees.

In this video, we break down what makes the plan so unusual, why your situation is truly one-of-a-kind, and how to evaluate your options clearly.

If you’re within about five years of retirement and have around $1M or more in your Costco 401(k), we’ll build a full retirement plan for you at no cost.