About About The Program As part of a new wealth advisory program, Kiewit stockholders have the opportunity to get professional, customized support for their financial planning needs. This program is managed by Cerity Partners, a leading provider of financial wellness, comprehensive financial counseling and investment management services. Cerity Partners is nationally recognized for their wealth advisory services, has flexible consultation schedules and a dedicated team of experts who are now well-versed in Kiewit’s stock and benefits programs. The content on this page offers more information about the program, services available to stockholders, and Cerity Partners and its custodial partners. If you’re interested in using this program, please take a closer look at these materials to help you make an informed decision. To make an appointment with an Cerity Partners coach/advisor, please visit the firm’s online scheduler, which is accessible below. Our planning is designed to financially prepare you and your family for life's known and unknown events.
Options & Cost Cerity Partners Wealth Advisory Program NEW Financial & Tax Planning Comprehensive Wealth Management Tier I Comprehensive Wealth Management Tier II Designed Primarily For Groups 4, 5 and 6 or others with a less complex financial situation and are comfortable with implementing the decisions themselves Groups 4, 5, and those in group 6 that want implementation to rest with Cerity Partners Groups 1, 2, 3 and 4; those with complexity; or need several topics completed quickly Implementation of Decisions Completed by Stockholder Cerity Partners Advisor Team Cerity Partners Advisor Team Frequency 3 to 4 remote advisor meetings per year- Meetings via phone1 to 1.5 hours meetings 3 advisor meetings per year- 1 in-person, 2 via phone1 to 1.5 hours meetings 4+ advisor meetings per year- 4 or more in-person or phone1.5 to 2.5 hours meetings Annual Fee $2,500 – company-paid for groups 4, 5 and 6 $6,000 for groups 1, 2 and 3 $3,500 (after $2,500 subsidy) for groups 4, 5 and 6 $9,000 for groups 1, 2 and 3 $6,500 (after $2,500 subsidy) for groups 4, 5 and 6 Services or Topics Each option includes advice about the following topics. The level of complexity and comprehensiveness of these discussions will vary depending on the option you select. Schedule a time to speak with a Cerity Partners Benefit Planning: C Stock and I Stock Program Stockholder loan program Retirement Savings Plan - 401(k) Income Tax Planning: Develop year-end tax planning strategy Tax planning techniques *Preparation can be added for additional fee; see details below Investment Planning: Cash flow Develop overall, holistic investment plan Investment Management can be added for additional fee Estate Planning: Analysis of existing estate plan Revision of existing estate plan Insurance Planning Retirement Planning Budgeting Debt Analysis and Reduction Planning FINANCIAL & TAX PLANNING: This service does NOT include the preparation of a stockholder’s income tax returns. If a stockholder, using this service, wishes to engage Cerity Partners to prepare the requested returns, Cerity Partners will propose a fee for the additional service. This additional fee will be billed separately to the stockholder. The stockholder, not Kiewit, is responsible for payment of the income tax preparation fee, if that service is desired. COMPREHENSIVE WEALTH MANAGEMENT TIER I/II: This service includes the preparation of a stockholder’s income tax returns. Additional returns may be prepared for an additional fee. This additional fee will be billed separately to the stockholder. The stockholder, not Kiewit, is responsible for payment of the income tax preparation fee, if that service is desired.
CHECKLIST Cerity Partners Financial Planning Checklist Prior to your first conversation with your Cerity Partners financial coach/advisor, it’s always helpful to gather some basic information about you and your family’s financial circumstances. Your coach/ advisor will refer to this information as you begin discussing ways to improve your overall financial wellness. Below is a list of items you should have prepared: *(If you are planning jointly with a spouse or partner, you should include the same information for both of you Budget Copy of your household budget, if you use one Estimates of your monthly expenses Gross annual salary for you and spouse if planning jointly Insurance Planning Insurance products Monthly/annual premium Term Benefit amount Exclusions Debt Management Credit cards, student loans, personal loans, car loans: Balances Interest rate Minimum monthly payment Actual monthly payment Mortgage Balances Interest rate Monthly payment Loan term Approximate equity Kiewit stock loan Current balance Interest rate Savings Management Checking account balances Savings account balances and monthly contributions College savings accounts and monthly/annual contributions Brokerage account balances and monthly contributions Retirement Planning Employer-sponsored retirement account balances and contribution amounts Individual retirement accounts Spouse’s employer match if applicable Any other retirement account information Estate Planning Last update on will or trust What documents are included in estate plan How are accounts titled and beneficiaries if applicable
Additional Resources Program Overview Program Options and Costs Program Overview Cerity Partners Financial Planning Checklist The Basics About Cerity Partners The Basics Kiewit & Cerity Partners Financial Planning Success Stories The Basics About Cerity Partners Data and Privacy The Basics Investment Management Overview
