NUA Election · 2026 Retirement Window
37%
vs
20%
Most Valero execs
IRA rollover rate
Ordinary income on
every future withdrawal
every future withdrawal
What some may qualify for
NUA election rate
Long-term cap gains
on appreciation at sale
on appreciation at sale
Valero stock appreciation in your Thrift Plan may be taxed at up to 37% if rolled to an IRA — ordinary income on every dollar
The NUA election may allow that same appreciation to be taxed at the 20% long-term capital gains rate instead — a 17-point difference
This election generally requires action before your separation date — retroactive elections are not permitted under IRS rules
Brian Boswell, CPP®
Co-Founder · The Retirement Studio · Georgetown, TX
"Most of the executives I talk to didn't know this election existed until two months before they retired."
Free · Instant download · No obligation
Get the free Valero Thrift Plan guide
Enter your email and we'll send the Valero Thrift Plan Election Guide instantly — plain language, no jargon, no sales pitch.
Sent instantly. No calls, no spam. Unsubscribe anytime.
What you get
✓
The Valero Thrift Plan Election Guide — 4 pages, plain language
✓
A worked illustration showing what the numbers look like for a typical Valero position
✓
Access to Brian Boswell, CPP® — reach out directly if you want to talk through your situation
✓
Check your inbox.
The guide is on its way. If you'd like to talk through your specific Thrift Plan situation, pick a time below — no obligation.
— or schedule directly —
Book a 20-minute call →