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Section 1
Bespoke Wealth Solutions
Purpose Built for EY Partners
Building A
Better
Retirement
You Face
8 Critical and Convoluted Decisions
On The Path To
Retirement
Sanderson Brings
Height
Bespoke
Experienced
Fiduciary
Guidance at Every Crossroad
EY
Heritage
Ethos
Fiduciary
Guidance at Every Crossroad
Section 3
Prioritizing You And Your Family
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Navigate Your Path To Retirement
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#1
Welcome to the
BEYOND by Sanderson
Decision Matrix.
Play
Intro
Video
#2
An EY Partner’s path to retirement has 2 phases and 8 critical decisions
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 1
Understanding
Phase 2
Analysis
#3
PHASE 1: BEYOND WEALTH ACCUMULATION
Understanding
5-7 years leading up to retirement
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 1
Understanding
#4
PHASE 1: BEYOND WEALTH ACCUMULATION
Critical Decision #1
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 1
Understanding
#5
Critical Decision #1
Should I engage an investment advisor?
Beyond simple index funds?
Sophisticated and risk-aligned alternatives?
Even with Independence constraints?
Firm’s pick, or my own fiduciary?
#6
Critical Decision #1
Should I engage an investment advisor?
Navigates With:
Access & insight into EY Independence
Understanding of Covered Persons
Sophisticated portfolios with true alternative investment
Quarterly Independence Checks
#8
PHASE 1: BEYOND WEALTH ACCUMULATION
Critical Decision #2
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 1
Understanding
#9
PHASE 1: BEYOND WEALTH ACCUMULATION
Critical Decision #2
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 1
Understanding
#10
Critical Decision #2
How do I make the most of my bespoke EY retirement assets?
HR-10?
PDBRP?
Holistic alignment & legacy goals?
#11
Critical Decision #2
How do I make the most of my bespoke EY retirement assets?
Navigates With:
Comprehensive analysis of EY’s retirement options
Accurate Wealth Studios forecasting under different timelines
Personalized roadmap for financial growth & retirement readiness
#13
PHASE 1: BEYOND WEALTH ACCUMULATION
Critical Decision #3
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 1
Understanding
#14
PHASE 1: BEYOND WEALTH ACCUMULATION
Critical Decision #3
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 1
Understanding
#15
Critical Decision #3
How much financial exposure to the Firm am I comfortable with?
HR-10?
PDBRP?
Holistic alignment & legacy goals?
#16
Critical Decision #3
How much financial exposure to the Firm am I comfortable with?
Navigates With:
Comprehensive analysis of EY’s retirement options
Accurate Wealth Studios forecasting under different timelines
Personalized roadmap for financial growth & retirement readiness
#18
Now a Partner moves into:
Phase 2: Acute Retirement Analysis
Analysis
12 Months Before Retirement
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#19
Now a Partner moves into:
Phase 2: Acute Retirement Analysis
Analysis
12 Months Before Retirement
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#20
Critical Decision #4
Retirement Timing?
Can I retire now?
Earnings trade-offs if I wait?
Less stress, or less earnings?
#21
Critical Decision #4
Retirement Timing?
Navigates With:
Projections quantify timing impact
Earnings growth trends, historical data, industry changes
Guidance on balance of personal life and financial resources
#23
Phase 2: Acute Retirement Analysis
Critical Decision #5
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#24
Phase 2: Acute Retirement Analysis
Critical Decision #5
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#25
Critical Decision #5
Should I Take the Annuity or Lump Sum Option for My PDBRP and Top Hat HR-10 Plan?
PDBRP election?
HR-10 election?
No going back
#26
Critical Decision #5
Should I Take the Annuity or Lump Sum Option for My PDBRP and Top Hat HR-10 Plan?
Navigates With:
Comparative analysis tailored to your plans and risk tolerance
Scenario modeling of long-term impacts
Maximized benefits
Liquidity & Stability
#28
Phase 2: Acute Retirement Analysis
Critical Decision #6
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#29
Phase 2: Acute Retirement Analysis
Critical Decision #6
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#30
Critical Decision #6
Leave HR-10 on Deposit with the Firm or Roll It Over to an IRA?
What do with HR-10?
Effect on net worth?
Access to tax planning opportunities?
#31
Critical Decision #6
Independent analysis of benefits & risk
Navigates With:
Independent analysis of benefits & risk
Tax efficience and portfolio growth strategy
Custom advice aligned with risk tolerance & legacy goals
#33
Phase 2: Acute Retirement Analysis
Critical Decision #7
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#34
Phase 2: Acute Retirement Analysis
Critical Decision #7
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#35
Critical Decision #7
What Joint & Survivor Election Should I Make for Annuitized Benefits?
Balanced plan for Partner & beneficiaries?
#36
Critical Decision #7
What Joint & Survivor Election Should I Make for Annuitized Benefits?
Navigates With:
Balanced retirement income guidance for all
Risk & financial impact assessment for all options
Recommendations aligned with cash flow goals & tax strategies
#38
Phase 2: Acute Retirement Analysis
Critical Decision #8
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#39
Phase 2: Acute Retirement Analysis
Critical Decision #8
THE RETIRING EY PARTNER’S
Critical Decision Chart
Phase 2
Analysis
#40
Critical Decision #8
Should I Take Advantage of Deferred Income Opportunities?
Which income strategy?
Tax-advantaged savings?
#41
Critical Decision #8
Should I Take Advantage of Deferred Income Opportunities?
Navigates With:
Identify opportunities for tax-advantaged savings
Integration into cash flow objectives & tax planning
Long-term flexibility and tax minimization
#43
Congratulations!
You can now enter your next chapter with the full confidence that you’ve built the best retirement possible.
LET’S EMBARK ON THE RETIREMENT
YOU DESERVE
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