Our goal is to help GE employees find financial clarity. Whether you are currently employed with GE, transitioning to a new position or company, or preparing for your upcoming retirement… we can help. For over 20 years* we have worked with GE employees and their families to understand their company benefits and create a financial plan that works to meet their short and long-term goals
Building for the future requires a comprehensive plan built on knowledge and experience. We believe that in order to provide our clients with the financial foundations they need to succeed, we must first take time to fully understand the depths of their personal financial goals. For this reason, we offer a complimentary consultation to review the following topics and address any questions you may have:
We believe creating a financial plan is the first step toward a successful retirement. Many factors affect your financial future, so we’ve created an in-house team of specialists to help you along the way.
We believe creating a financial plan is the first step toward a successful retirement. Many factors affect your financial future, so we’ve created an in-house team of specialists to help you along the way.
At Cerity Partners, we believe that true financial security comes from understanding the full scope of your benefits and opportunities. By focusing on your GE benefits and aligning them with your broader life goals, we bring clarity and direction to your financial decisions. Our approach is about empowering you with knowledge and confidence as you navigate your financial future. ”Adam Hornek, CFP®, Partner
Frequently Asked Questions
When you exercise, the difference between your grant price and the stock’s market value on that day is treated as income and taxed like your paycheck. What happens next depends on whether you keep or sell the shares.
Exercising all at once can create a large tax bill in one year. Spreading exercises across different tax years or coordinating with other income (bonuses, RSU vesting, retirement payouts) may help smooth your overall liability.
Selling shares right away locks in income, while holding them longer may lead to capital gains or losses depending on future stock performance. It’s also important to think about how much of your wealth is tied up in GE stock. Diversifying can reduce risk and balance your plan.
If you have high-interest debt, paying it off first can free up future cash flow and reduce financial stress. If your debt is manageable, investing your bonus could generate long-term growth, especially when aligned with your financial plan.
Consider maxing out your 401(k), making after-tax contributions to convert to Roth funds, or contributing to your HSA for long-term tax-free growth.
Stock options granted by GE typically have a set expiration date, often tied to a specific number of years after the grant. If these options are not exercised before their expiration, they may be forfeited. To make the most of your stock options, consider reviewing your grant details and consulting a financial advisor to develop a plan for exercising them.
Understand your vesting schedule and tax implications, sell vested shares to diversify your portfolio, and consult with a financial advisor to optimize your stock option exercises.
Securing a life insurance policy outside of your company offers several advantages. While employer-provided life insurance can be a great benefit, it may not always provide adequate coverage or flexibility for your individual needs. A personal life insurance policy ensures that you have coverage tailored to your specific situation, including coverage amounts and policy features that may be more comprehensive than those offered by your employer.
Additionally, if you change jobs or retire, having a personal policy ensures that your coverage remains uninterrupted. A Cerity Partners advisor is happy to discuss your personal life insurance options with you based on your financial goals.
Contribute the maximum amount allowed to your Health Savings Account (HSA) to benefit from tax-free usage of funds for qualified medical expenses. You can also consider investing your HSA funds to grow your savings for future healthcare costs in retirement. It’s a good idea to consult with a financial advisor to ensure that you are making the best financial decisions to reach your goals.
Cerity Partners offers group benefits sessions to help you and your colleagues understand, appreciate, maximize your GE benefits, so that you can stay focused at work and build your confidence in your overall financial plan. Topics can be customized to fit the needs of specific employee demographics. Common topics include:
See our full disclosures page for more information.
Schedule your complimentary introductory meeting with an advisor who specializes in your company benefits. They will assist in seamlessly incorporating these benefits into your broader financial strategy, guiding you forward in your financial journey.
Partner
Steven L. Kramer
Partner
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