Please be aware that we are watching the current situation with interest rates very carefully and will be notifying you if there was a meaningful reversal of the current trend.

June’s interest rates (for those of you retiring before October 1st, 2019) dropped significantly and were inline with our expectations. As stated in last months email, we expected pension lump sums to increase by substantial amounts due to this drop in rates. Additionally, we felt the best approach for those of you considering retirement in the near future was to “wait and see” if rates continue to drop before filing pension paperwork. As of now, it appears rates will continue their decline. Last month’s drop was likely the largest we will see in this cycle; we do anticipate further rate declines that will be smaller over the next couple months.

It’s very common for BP Employees to retire in the month of April because of the prorated portion you receive of the ACB if you work through the end of the first quarter in a given year. If you are one of those people, January’s interest rates will be especially important because they would be the relevant interest rates for people retiring in April. As the situation continues to unfold, we will be regularly updating you on any changes that would substantially affect you.
If you are considering retiring and would like to have assistance in finding out how this will affect you, please simply reply to this email or call 877-739-6007 to schedule a meeting. There is no charge for this service to BP Employees.

If you are considering retiring within the next one to two years, 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. If you are a Heritage Employee, but do not know how to verify which formula you are receiving, please contact our office directly and we will assist you free of charge and with no obligation.

Tyler E Ryan

Capstone Wealth Advisors




Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. 

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