Guiding your P&G benefits through life's transitions

Your P&G career has created exceptional financial potential. We provide disciplined strategy and specialized guidance to help you navigate P&G benefits, optimize equity compensation, and transition into retirement with clarity and confidence.

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Plan Your P&G Wealth Calendar

P&G Retiree Healthcare Guide (2026)

Financial Resources for P&G Professionals

Your time at P&G is about more than a paycheck

Beyond Wealth Partners is deeply rooted in the Procter & Gamble community. Founded by Brad Morgan—a third-generation P&G engineer—our firm is built on an intimate understanding of the unique financial realities facing P&G professionals.


We move beyond generic wealth management to provide specialized, planning-driven guidance for P&G professionals and affluent families navigating complex compensation, retirement transitions, and legacy decisions.


By combining decades of focused expertise with tax-optimized investing, direct indexing, and intelligent technology, we deliver a wealth management experience that is disciplined, innovative, and tailored to your goals.

Your P&G benefits evolve as your career grows. From early diversification to final exit strategies, take the lead on the decisions that define your legacy.

Master your next milestone

Strategic moves for every stage

Age 45+

Holding your line through diversifcation

Move beyond accumulation with a steadfast plan to protect your P&G legacy.

annual rewards

Optimizing your performance awards

Convert STAR and LTIP grants into a structured, reliable roadmap for long-term independence.

early exit

Navigating the 'Rule of 55'

Leverage our experience to evaluate early separation triggers and retire on your own terms.

P&G CLIENT Case Study

A thoughtful exit before 55

See how one senior leader turned 20 years of P&G awards into a structured legacy. Learn how evaluating the Rule of 55 and NUA options can help clarify your early retirement path.

What you need to know when exiting P&G before age 55.

Webinar: Your Path to Retirement

Mastering financial basics after P&G

Led by retirement coach Keith Lawrence and Savvy CEO Ritik Malhotra, covering:


  • Why a retirement vision is critical for effective financial planning
  • 3 key takeaways to consider in retirement
  • How a financial advisor can help you achieve your retirement dreams

Your Total Rewards package is built for high-level results.

Here is how we help you pull the right levers to optimize every dollar:

Navigating the P&G Ecosystem

We seek to optimize your P&G wealth, no matter how complex

NUA tax savings

Turn ordinary income into long-term capital gains - where the opportunity exists to pay as little as no tax federally.

Rule of 55 early exit

Access the P&G stock in your plan penalty-free if you decide to retire or move on before age 59 1/2

Estate Planning Efficiency

Partner with a preferred attorney on the ARAG legal plan to update your estate plan

STAR/LTIP modeling

Strip out the emotion and get expert advice on your stock option and RSU roster

Tax-free conversion

Scale your tax-free retirement bucket using strategic Roth conversions

Age-based diversification

Balance your stock exposure  as you reach key milestones like age 45 or 50.

Healthcare budget protection

Prevent Medicare surcharges (IRMAA)  by timing your distributions to stay under income "cliffs".

Global mobility planning

Navigate complex tax shifts when your career takes you overseas.

Why these strategies matter to P&Gers

Where most financial professionals see a 401(k), we see a PST with NUA potential. Most see a bonus; we see STAR and LTIP awards that need continued monitoring and advice


Taking the lead means moving beyond generic advice to find the hidden opportunities within the P&G ecosystem.

Meet Brad, Keith, Nate, and Hunter—wealth specialists who understand the P&G ecosystem as well as you do.

A PARTNERSHIP BUILT ON SHARED EXPERTISE

Your personal P&G Board of Directors

Man with fair skin, smiling, wearing a blue blazer and white shirt, against a dark blue background.
Brad Morgan, CFP®

Founder, Managing Director

Kieth Hamberg, CFP
Keith Hamberg, CFP®

Managing Partner

Nate Kunkel, CFP
Nate Kunkel, CFP®

Principal Wealth Advisor

Hunter Cloud, CFP, CPA
Hunter Cloud, CFP®, CPA

Principal Wealth Advisor

Is your P&G wealth strategy aligned with your long-term goals?

Your Total Rewards package is uniquely complex, requiring more than standard advice. 

what p&g professionals are asking

Common questions about the P&G wealth ecosystem

  • How can I evaluate if my Profit Sharing Trust (PST) is currently aligned with my long-term retirement objectives?

    Evaluating alignment typically involves reviewing your current asset allocation relative to your retirement timeline and projected income needs. We consider how your PST assets complement other retirement accounts to help build a cohesive, long-term strategy.

  • What factors are important to consider when determining if the Net Unrealized Appreciation (NUA) tax strategy is appropriate for my P&G distribution?

    Determining suitability involves evaluating the cost basis of your P&G stock versus its current market value. We also consider your future projected tax brackets to help determine if paying capital gains rates on the appreciation may be more advantageous than ordinary income rates at the time of distribution.

  • What are the potential risks of holding a concentrated position for my P&G distribution? Are exchange funds an option for diversification?

    A concentrated position can increase portfolio volatility and exposure to company-specific risks. We can explore age-based diversification windows and other methods to help manage this exposure while maintaining a focus on your personal financial goals.

  • How can I get around the 10% penalty applied to the cost basis of NUA stock if I take early distribution?

    Exploring the Rule of 55 involves reviewing the specific distribution rules of the P&G Savings Plan for employees who separate from service in or after the year they turn 55. This can be a key factor in planning a transition prior to traditional retirement ages.

  • How might the timing of my STAR awards and LTIP grants impact my tax planning and overall financial trajectory?

    The timing of STAR and LTIP awards can create significant "income spikes" that may impact your annual tax liability. We utilize strategic modeling to evaluate how different award election choices might fit into your multi-year tax planning.

  • What are the key financial considerations I should be aware of when transitioning to a P&G assignment overseas?

    Assignments in locations like Geneva or Singapore involve navigating local tax laws, currency fluctuations, and cross-border benefit treatment. We evaluate how these variables might interact with your U.S.-based P&G rewards and overall retirement timeline.

  • How can I explore strategies to potentially facilitate an efficient transfer of my P&G-centric wealth to the next generation?

    Efficient wealth transfer involves exploring tools like trust planning or strategic gifting of P&G shares. We consider your family goals alongside the tax characteristics of your various P&G benefit accounts to help design a legacy plan.

  • How does direct indexing help me prepare for retirement?

    Direct indexing involves owning the individual securities within an index rather than a packaged fund. For those nearing retirement, this strategy is often explored for its potential to provide greater tax-loss harvesting opportunities and the ability to exclude specific stocks to manage over-concentration in company shares.

  • How do I do an IRMAA appeal using retirement as the qualifying life-changing event?

    To appeal an Income-Related Monthly Adjustment Amount (IRMAA), individuals typically file Form SSA-44 with the Social Security Administration. Retirement is generally considered a "Life-Changing Event" (LCE) that may allow you to recalculate premiums based on your new, lower retirement income rather than tax returns from two years prior.

  • When should I start Social Security after retiring from P&G?

    The decision of when to claim Social Security involves balancing the desire for immediate cash flow against the "delayed retirement credits" earned by waiting. While benefits can start at age 62, waiting until Full Retirement Age (FRA) or age 70 results in a higher monthly benefit. The optimal timing depends on your health, longevity expectations, and other available income sources like your PST.

  • What is a donor-advised fund (DAF)?

    A donor-advised fund is a private fund managed by a third party for the purpose of managing charitable donations. It allows donors to make a charitable contribution, receive an immediate tax deduction, and then recommend grants from the fund to their favorite charities over time. This can be a strategic tool for P&Gers looking to offset high-income years.

beyond the bounty

Resources for Procter & Gamble professionals

Stay informed on critical P&G benefit shifts. Receive technical analysis on PST allocations, NUA tax strategies, and Rule of 55 transitions.

What Every P&G Employee Should Know About Taxes, Retirement & Estate Planning

August 28, 2026
In this webinar for P&G employees & retirees, Keith Hamberg, CFP® is joined by Hunter Cloud, CFP®, CPA and ARAG estate planning attorney, Andrew Larkin.
Guide on choosing between P&G stock options and RSUs for long-term incentive awards

You're Asking the Wrong Question About Your P&G Long-Term Incentive Award

August 3, 2026
Should you choose stock options or RSUs for your P&G LTIP award? Discover a strategic decision framework to align your equity compensation with your wealth goals.
Black title slide reading “Beyond the Bounty” on dark green, with P&G and Beyond Wealth Partnership logos.

PST Contribution Day: Four Questions Every P&G Employee Should Ask

July 15, 2026
Explore key questions every Procter & Gamble employee should ask on PST Contribution Day to optimize their retirement portfolio and asset allocation.