The interest rates for July, which impact BP Employees collecting their pension on November 1st, continued to decline and were almost exactly in line with our estimated rates. For those of you currently elected for a November 1st Benefit Commencement date, we recommend you keep the elected date. If you have not yet elected for your pension or will be separating from BP later this year or early next, the recent decline in interest rates could present a unique opportunity.

Our current forecast for December suggests the First and Second Corporate Segment Rates will decline, while the Third Segment rate will increase. The interest rate moves are expected to be much smaller compared to the last two months. This means that although your pension lump sum value will likely increase, it will not be as significant as previous months.

There are a variety of factors to consider when choosing your benefit commencement date and having our professional guidance will allow you the comfort and ease knowing you are making an informed decision. In the coming weeks, we will be individually discussing with our client’s which elected month would be optimal for their personal situation, especially for those impacted by BP’s “whipsaw” provision.

If you are not yet one of our valued clients or are considering taking a severance package and would like guidance, we would highly encourage you to talk with one of our retirement planning specialists who can help you understand what your potential retirement timeline looks like and how to strategically plan your exit. Please email tyler@capstonewealthadvisors.com or call (877)739-6007 to schedule a consultation. There is no charge for this service.

Tyler E Ryan


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