BP EMPLOYEES,

October’s interest rates, affecting February 1st 2020 benefit commencement dates, remained mostly flat. This means that your BP Pension lump sum values have also remained mostly the same. This is good news for those of you who are looking to retire early next year or for those of you who are affected by the impending Hilcorp takeover of BP Alaska’s operations as the previous months significant drop in interest rates appear to be holding as we forecasted.

Looking forward, interest rates affecting your pension are beginning to increase somewhat but, not in a significant enough manner to warrant any major changes in peoples scheduled retirement dates. You can rest assured we are watching the direction of interest rates and its affect on your pension values very closely and will be notifying you if there is any major changes that need to be made.

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. Please feel free to contact me directly at 877-739-6007 or at tyler@capstonewealthadvisors.com. As always, we will assist you free of charge and with no obligation.

Tyler E Ryan

Capstone Wealth Advisors

877-739-6007

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.