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Costco

NUA for Costco Employees: The Tax Strategy Hiding in Your 401(k)

Costco stock in your 401(k)? NUA can move it out at capital gains rates instead of income tax rates. How it works, the four rules, and the real trade-offs.

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Trey Gevers CFP®
Trey Gevers CFP®
October 29, 2026
Costco warehouse at night
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More Insights for Even Smarter Decisions

Explore some articles focused on real questions we see every day—from how to leverage your Costco benefits and business income to equity decisions and retirement timing.

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Costco warehouse at night
Costco

NUA for Costco Employees: The Tax Strategy Hiding in Your 401(k)

Costco stock in your 401(k)? NUA can move it out at capital gains rates instead of income tax rates. How it works, the four rules, and the real trade-offs.

Trey Gevers CFP®
Trey Gevers CFP®
October 29, 2026
Microsoft
Tech Employees

Take the Money and Run? Microsoft Voluntary Exit

Got Microsoft’s Voluntary Exit Offer? A planner’s framework for severance, stock, health insurance to 65, taxes, and the WA subsidy cliff before December.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
October 27, 2026
Costco
Costco

Your Costco 401(k) Hit $1 Million: Now What?

Your Costco 401(k) crossed $1 million. Learn how to build a retirement paycheck, manage taxes, use NUA on Costco stock, and time Social Security.

Trey Gevers CFP®
Trey Gevers CFP®
October 14, 2026
Inflation in Retirement
Retirees & Pre-Retirees

Inflation in Retirement: Our Take on the WSJ's Retirement Rookies

Some retirement costs don't respond to frugality. An Issaquah wealth manager on Social Security timing, hidden tax thresholds, and spending guardrails.

Trey Gevers CFP®
Trey Gevers CFP®
October 2, 2026
Costco warehouse
Costco

When Your Costco Stock Becomes Your Retirement Paycheck

Long-tenured Costco employees with big COST balances face real sequence risk. See how in-plan trims, NUA, and Washington tax rules factor into your plan.

Trey Gevers CFP®
Trey Gevers CFP®
October 1, 2026
Anthropic IPO
Tech Employees

IPO Guide for Seattle Based Anthropic Employees

A sequencing framework for Anthropic employees preparing for an IPO. What's irreversible, what can wait, plus a 30-day checklist by ISO, NSO, and RSU grant type

Trey Gevers CFP®
Trey Gevers CFP®
September 18, 2026
Tax Planning for Microsoft Employees
Tech Employees

Tax Planning for Issaquah Based Microsoft Employees

Long-time Microsoft employee with MSFT stock in your 401(k)? A plain-language look at the NUA tax provision and when it may be worth a closer look.

Trey Gevers CFP®
Trey Gevers CFP®
September 15, 2026
Bonds and interest rates.
Newsletters

What Do Changing Interest Rates Mean and Are Bonds Still Boring?

Surprised by bond market volatility? Learn why interest rates move bond prices, what's driving current yields, and steps to optimize your portfolio.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
September 9, 2026
Graduated college, what's next for your 529 plan
Retirees & Pre-Retirees

What to Do with Leftover 529 Funds | 5 Smart Strategies

Finished college and have leftover 529 plan money? Explore 5 smart strategies to avoid taxes and penalties, including the 529-to-Roth IRA rollover.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
September 28, 2026
Municipal Bonds and Washington State's Income Tax
Tech Employees

How to Prepare Your Municipal Bond Portfolio for Washington State’s Millionaire’s Tax

Washington's SB 6346 taxes out-of-state municipal bond interest at 9.9% starting in 2028. Learn how shifting to local WA bonds protects your tax-free income.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
August 19, 2026
Space X Launch
Tech Employees

Space X Lockup 2026: What To Do Now

The SpaceX (SPCX) lockup is unwinding in tranches through December 2026 — here's the real timeline and smart planning moves for employees on the Eastside.

Trey Gevers CFP®
Trey Gevers CFP®
August 17, 2026
Preparing for the Washington State millionaire's tax.
Tech Employees

Preparing Your Investment Portfolio for the Washington State Millionaire’s Tax

Learn how Washington's 9.9% Millionaire’s Tax impacts your investments and discover concrete portfolio strategies to minimize tax impact before 2028.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
August 6, 2026
Costco 401k
Costco

WSJ Ranks Costco's 401(k) Among America's Most Generous

The WSJ just named Costco's 401(k) one of America's most generous plans. If it's your plan, here's what the 4%–9% contribution really means for retirement.

Trey Gevers CFP®
Trey Gevers CFP®
July 21, 2026
Gevers Wealth
Costco

Costco Retirement Tax Planning Webinar

Costco stock in your 401(k)? Join our free July 30 webinar on Net Unrealized Appreciation and how it compares to an IRA rollover before you retire.

Trey Gevers CFP®
Trey Gevers CFP®
July 15, 2026
Costco Food Court
Costco

The Wall Street Journal Just Profiled Costco's Millionaire Cashiers. Here's the Second Half of the Story

The Wall Street Journal profiled Costco's millionaire hourly workers. Here's the part the story left out: what those employees should do next. A response.

Trey Gevers CFP®
Trey Gevers CFP®
July 9, 2026
Gevers Wealth Management Team Photo
Newsletters

Winners and Losers – 2026 Halftime Report

The first half of 2026 is in the books. Read our market recap on small-caps, AI growth, the SpaceX IPO, and the latest updates from Gevers Wealth Management

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
June 29, 2026
Costco Wholesale
Costco

What Should I Do With My Costco 401k When I Retire?

Nearing retirement from Costco? Compare your 401(k) options — keep it, roll to an IRA, or use the NUA strategy to move COST stock at lower capital gains rates.

Trey Gevers CFP®
Trey Gevers CFP®
June 24, 2026
Making the Most of Company Stock in Your 401K
Retirees & Pre-Retirees

Making the Most of Company Stock in Your 401K

Making the Most of Company Stock in Your 401K

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
May 26, 2026
Concert photo illustrating inflation and investing theme
Newsletters

Paul McCartney, Inflation, & Our Investments

What Paul McCartney can teach us about inflation and why it matters for your investment portfolio.

Willy Gevers CPWA
Willy Gevers CPWA
May 10, 2022
Bear market illustration
Newsletters

There’s a Bear in our Backyard! – Three Kinds of Bear Markets

Not all bear markets are the same. Understanding the three types can help you stay calm and make better decisions.

Willy Gevers CPWA
Willy Gevers CPWA
June 21, 2022
Stock market chart showing first half 2022 performance
Newsletters

Stocks Have Worst First Half in 50 Years

The first half of 2022 has been one of the worst for stock investors in 50 years. Here's what to make of it.

Willy Gevers CPWA
Willy Gevers CPWA
July 8, 2022
Trey Gevers CFP designation announcement
Newsletters

Congratulations Trey! – What's with all the C's?

We celebrate Trey Gevers earning his CFP designation and explain what all those credentials mean for our clients.

Willy Gevers CPWA
Willy Gevers CPWA
August 1, 2022
Federal Reserve interest rate chart
Newsletters

Too Hot, Too Cold…or Will the Fed Get It Just Right?!

As the Fed continues to raise rates to fight inflation, we examine whether they can engineer a soft landing.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
November 22, 2022
Mountain biker on a trail in Sedona Arizona
Newsletters

Mountain Biking & Investing

What mountain biking teaches us about navigating market volatility with the right mix of caution and confidence.

Willy Gevers CPWA
Willy Gevers CPWA
January 5, 2023
Tax planning documents and calculator
Newsletters

It’s Almost Tax Time… 100 Tax Changes Coming, are you Prepared?

Major tax changes are on the horizon. Here's what you need to know before tax season.

Willy Gevers CPWA
Willy Gevers CPWA
February 7, 2023
Silicon Valley Bank sign and news coverage
Newsletters

Give Me Back My Money! Lessons from the Silicon Valley Bank Collapse

The SVB collapse rattled markets. Here's what investors should learn and how to protect themselves.

Willy Gevers CPWA
Willy Gevers CPWA
March 20, 2023
US Capitol building representing government debt ceiling debate
Newsletters

The Debt Ceiling, Defaults, and Diversifying

What the debt ceiling debate means for your investments and why diversification matters more than ever.

Willy Gevers CPWA
Willy Gevers CPWA
May 25, 2023
Steve Miller Band inspired financial planning illustration
Newsletters

Some Financial Advice from the Steve Miller Band

What can the Steve Miller Band teach us about personal finance? More than you'd think.

Trey Gevers CFP®
Trey Gevers CFP®
June 29, 2023
Person reviewing financial documents with a pencil
Tech Employees

Did Your Company Stock Cause a Big Tax Bill?

If you hold or sell company stock, you may be facing a surprise tax bill. Learn strategies to reduce the impact.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
May 20, 2024
Costco employee reviewing retirement documents
Costco

Costco Employee Retirement Guide

From confirming your retirement plan to tax strategies like NUA and Roth conversions, here's what Costco employees should do before their last day.

Trey Gevers CFP®
Trey Gevers CFP®
April 3, 2025
Musical notes and financial charts
Newsletters

2025 Tax Changes and Good Music

Key federal and Washington State tax changes for 2025.

Trey Gevers CFP®
Trey Gevers CFP®
October 8, 2025
Person reviewing financial documents at a desk
Costco

Managing your Costco RSUs

A guide to managing Costco RSUs from two perspectives: investment strategy and tax planning.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
November 3, 2025
Microsoft Voluntary Retirement Program
Tech Employees

Microsoft Voluntary Retirement Package What You Need to Know

Microsoft's first-ever VRP offers cash severance, extended RSU vesting, and a 5-year healthcare bridge. Here's how to evaluate the offer before the June 8th dea

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
May 12, 2026
Diversifying Concentrated Positions
Tech Employees

Did Your Company Stock Cause a Big Tax Bill?

Stock compensation gets taxed twice — at vesting and at sale. Here's how to understand both tax events and avoid the surprise bills and IRS penalties they cause

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
August 15, 2024
Concentration Risk and Diversification
Tech Employees

Strategies for Managing a Large Single Stock Position

Too much wealth in one stock is a real risk. Here are five strategies — from tax-loss harvesting to exchange funds — for diversifying without a massive tax bill

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
January 22, 2025
Tax Smart Investing Issaquah Financial Planning
Tech Employees

Maximizing Returns by Minimizing Taxes: 10 Strategies for Tax-Smart Investing

Taxes can quietly erase a fifth of your investment growth. Here are 10 practical strategies — from tax-loss harvesting to HSAs — to keep more of what you earn.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
February 27, 2025
Securities Backed Lending Financial Planning Issaquah
Tech Employees

Securities Backed Lending

A securities-backed loan lets you borrow against your portfolio without selling — avoiding taxes and staying invested. Here's how they work and when to use one.

Trey Gevers CFP®
Trey Gevers CFP®
May 6, 2025
DAF Tax Planning
Tech Employees

Donor-Advised Funds: A Smart Strategy for Charitable Giving and Tax Planning

A donor-advised fund lets you take the tax deduction now and give on your own timeline. Here's how DAFs work and when they make sense in a financial plan.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
May 6, 2025
WA State Tax Changes Financial Planning Issaquah
Tech Employees

2025 Washington State Tax Changes: What You Need to Know

WA capital gains now hit 9.9% above $1M, and the estate tax exemption rises to $3M with a top rate of 35%. Here's what changed and how to plan around it.

Trey Gevers CFP®
Trey Gevers CFP®
May 23, 2025
RSU Taxation
Tech Employees

How Are My RSUs Taxed, and What Can I Do to Reduce Taxes?

RSUs are taxed twice — at vesting and at sale. Here's how to understand both tax events and use strategies like tax-lot selection and loss harvesting to keep mo

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
May 20, 2025
Issaquah Retirement Plan
Retirees & Pre-Retirees

Retiring in Issaquah? Here’s What You Should Know About Planning Your Next Chapter

From tax-efficient income planning to estate documents, here's how Issaquah retirees can build a confident, clear financial plan for the next chapter of life.

Trey Gevers CFP®
Trey Gevers CFP®
July 2, 2025
Retirement Planning Items from the One Big Beautiful Bill
Retirees & Pre-Retirees

The One Big Beautiful Bill Just Became Law

The new tax law brings a $6,000 senior deduction, a higher estate exemption, and more. Here's what it means for your retirement plan.

Trey Gevers CFP®
Trey Gevers CFP®
July 9, 2025
Tax Smart Investing for Tech Professionals
Tech Employees

What is a Direct Index and How Is It Better than Index Fund Investing

Direct indexing lets you own individual stocks in an index for better tax-loss harvesting and customization. Here's how it works and who it makes sense for.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
June 27, 2025
Costco Professional Financial Planning
Costco

Preparing Your Finances For A Retirement From Costco

From confirming your retirement plan to tax strategies like NUA and Roth conversions, here's what Costco employees should do before their last day.

Garrett Grigas CFA®, CFP®
Garrett Grigas CFA®, CFP®
September 17, 2025
NUA Tax Strategy for Costco Professionals
Costco

Tax Planning for Issaquah-Based Costco Employees

If you have appreciated Costco stock in your 401(k), the NUA strategy could shift thousands in gains from ordinary income tax rates to lower capital gains rates

Trey Gevers CFP®
Trey Gevers CFP®
August 1, 2025
Costco Wholesale Image
Costco

Retiring from Costco? Here’s What You Need to Think About

From income planning and Social Security to healthcare and estate taxes, here's what Costco professionals need to address before their last day on the job.

Trey Gevers CFP®
Trey Gevers CFP®
October 7, 2025
Certified Financial Planner™
Retirees & Pre-Retirees

Fee-Only Fiduciary Financial Advisors and CFP® Professionals: What It All Means

Fee-only, fiduciary, CFP® — three terms that separate trustworthy financial advisors from the rest. Learn what each means and why all three matter together.

Trey Gevers CFP®
Trey Gevers CFP®
October 28, 2025
Costco employee retirement savings guide — where to invest beyond the 401(k) match
Costco

Costco’s 401(k) Match Isn’t Great. Here’s Where You Should Save Next

Costco only matches up to $500/year in your 401(k). Issaquah financial advisors break down exactly where Costco employees should save next to optimize wealth.

Trey Gevers CFP®
Trey Gevers CFP®
April 30, 2026

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