Attn BP Employees,

Interest rates affecting BP Employees collecting their pension in September were essentially flat and almost exactly in line with our forecast from last month.  This month’s forecast however indicates there could be a meaningful drop in rates, affecting October benefits commencement dates.

The current drop in rates came on the heels of the Federal Reserve’s decision to leave its Federal Funds Rate unchanged at it 0% – 0.25%.  The Fed also hinted it may begin raising interest rates sooner than previously expected, causing an adverse reaction in the bond markets. For BP Employees looking to leave the company in Q4 2021, the current drop in rates may present a unique opportunity if they remain low for the next two months.

When determining which month to select for retirement, we strongly encourage BP Employees to contact our office for assistance.  Understanding your options and selecting the correct month to take your pension benefits can make a significant difference in the amount you receive. Our team of dedicated BP Employee Retirement Specialists understand the inner workings of your retirement plans and how to make the most of what you have worked hard to earn.

BP Employees who are considering leaving in December should exercise caution before selecting a final date as the expected sudden drop in rates may also coincide with your planned exit date.  Careful analysis should be taken as swings in interest rates can greatly impact the value of your pension.

To schedule a complimentary consultation with one of our financial advisors, email us at or call directly at (877)739-6007. This service is free of charge for all BP Employees and Retirees.


Tyler E Ryan


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

Stock investing involves risk, including loss of principal. International & Emerging Markets investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors. These risks are often heightened for investments in Emerging Markets.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

Confidentiality Notice: This email transmission and its attachments, if any, are confidential and intended only for the use of particular persons and entities. They may also be work product and/or protected by the attorney-client privilege or other privileges. Delivery to someone other than the intended recipient(s) shall not be deemed to waive any privilege.

Capstone Wealth Advisors and its representatives are separate and apart from any other named entity.