Financial Planning & Investment Management for P&G Employees

Our approach is bespoke, meticulous, and unwaveringly client-first. We sidestep the fleeting "can't miss" investments in favor of a goals-based strategy tailored to your life situation. From our first Discovery Meeting to the ongoing evolution of your portfolio, we're here to ensure your investment plan is both dynamic and resilient.

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Employees of

P&G employees require the care of first-hand experience. Whether it's optimizing retirement plans, making strategic stock compensation decisions, or ensuring tax-efficient wealth growth, Savvy brings a comprehensive and customized approach that truly understands P&G's competitive benefits package. Expert guidance includes:

Base Salary Optimization

Navigate the nuances of P&G's salary benchmarks to ensure your earnings are aligned with your financial goals.

Bonus Maximization

Leverage the STAR bonus program to enhance your investment strategy and overall financial well-being.

Retirement Planning Excellence

Tailor your 401k and profit-sharing contributions to capitalize on P&G's generous offerings.

Strategic Stock Compensation

Make informed decisions regarding RSUs and stock options to balance immediate needs with long-term ambitions.

Financial Education

Utilize P&G's seminars and workshops to build a robust knowledge base, empowering you to make confident financial decisions.

Comprehensive Insurance Planning

Ensure your family's security with tailored advice on health, disability, and life insurance benefits.

Strategic Leveraging of Additional Benefits

From childcare assistance to flexible work arrangements, optimize the full spectrum of P&G's benefits to support your lifestyle.

Developing your plan
from vision to action

From the initial discovery meeting to the ongoing management of your assets, Savvy is committed to delivering strategies that reflect your personal vision of success.

01

Discovery
Meeting

02

Investment Strategy

03

In Person meeting

04

Strategy execution

07

Investment Strategy re-evaluation

06

Annual Review: Portfolio & Values

05

Ongoing monitoring

Wealth Planning Calendar
for P&G Employees

JANUARY
  • Earning Dates

  • Savings Plan Contribution Reset

  • Tax Planning

FEBRUARY
  • PG Dividend Payment Dates

  • Long-Term Incentive Program Awards

MARCH
  • Tax Filing Preparation

Quarter End
APRIL
  • Earning Dates

  • Tax Filing Preparation

MAY
  • PG Dividend Payment Dates

JUNE
  • End of Fiscal Year: June 30th

Quarter End
JULY
  • Earning Dates

  • Annual PST Contribution

AUGUST
  • PG Dividend Payment Dates

  • Long-Term Incentive Program Awards

  • STAR Award

SEPTEMBER
  • STAR Award

Quarter End
OCTOBER
  • Earnings Dates

  • Benefits Open Enrollment

  • Long-Term Incentive Program Awards

NOVEMBER
  • PG Dividend Payment Dates

  • Benefits Open Enrollment

  • STAR Award

DECEMBER
  • Tax Planning

Quarter End
Earnings Dates
January, April, July, October
  • Quarterly earnings released.

  • Ex-dividend dates fall in these months

Long-Term Incentive Program Awards
August
  • Election emails released, with information regarding balance between restricted stock units and stock options.

October
  • Chosen LTIP Awards are granted.

Savings Plan Contribution Reset
January
  • At the turn of the calendar year, employees who maxed out their savings plan for the year prior may contribute again.

  • Consider outside IRA funding annually.

Tax Planning
January
  • Examine withholdings from prior year and adjust as needed.

  • Consider charitable donations for calendar year.

  • Consider Traditional vs. Roth funding.

December
  • End-of year tax loss harvesting.

PG Dividend Payment Dates
February, May, August, November
  • PG’s quarterly dividend payment dates.

STAR Award
August
  • Employees are notified of STAR award multiplier.

September
  • STAR awards are granted; Paid in cash or granted as stock options.

November
  • Employees elect cash or options.

Annual PST Contribution
July
  • P&G makes it’s annual contribution of stock to employee’s PST Plan. Consider diversification options at this point annually once eligible at age 50.

  • Tax filing preparation.

March - April
  • Gather necessary documentation for annual filing

  • Review final return with wealth advisor.

End of Fiscal Year: June 30th
June 30th
Benefits Open Enrollment
October - November
  • Review benefits guide and discuss with wealth advisor.

  • Update elections.

  • Consider fringe benefits such as ARAG Legal Plan.

Get to know Brad

Brad brings a wealth of experience helping P&G employees and retirees navigate complex compensation and retirement options. His expertise spans tax strategies, charitable giving, stock options, estate planning, income planning, and investment management.

Growing up in a multi-generational P&G family and having been a P&G employee himself, Brad empathizes with the loyalty and tough choices faced by many P&G staff. As an investment advisor representative, he upholds a fiduciary standard, always putting clients' interests first.

With a background in Mechanical Engineering, earning both bachelor's and master's degrees from the University of Tennessee with honors, Brad met his wife at P&G, where she worked in marketing for 12 years. They have four young children and two dogs, residing in Madeira, OH.

Outside of work, Brad and his wife Jenny are enthusiastic cyclists. They share a passion for traveling with family. Winter time means snow skiing. Summer time means water skiing.  They are active in their local church, Crossroads.

Connect with Brad:

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CONNECT WITH BRAD

Book a 30-min introductory call with Brad.
Meet and greet. Get to know each other and learn about the benefits of wealth management through Savvy.

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