Common Questions.
Insightful Answers
Q.
What are the decisions I’m faced with that make EY Partner retirement so complex?
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Video
A.

While the optimal time to engage the BEYOND Partner Retirement Navigator by Sanderson Wealth Management is ten years prior to your earliest possible retirement, EY Partners have benefitted from working with Sanderson in every phase of their career. Learn how.

Q.
How does the EY ethos drive the approach of Sanderson Wealth Management?
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Video
A.

Sanderson Wealth Management is born of EY experience, with our founder John Sanderson enjoying 27 years of his career at the firm. Hear how he instilled that same heritage of integrity, transparency, objectivity, and a fiduciary mindset when building the team at Sanderson.

Q.
When is the best time for an EY Partner to become a client of Sanderson Wealth Management?
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Video
A.

An EY Partner approaching retirement has a long list of convoluted decisions to make, each affecting the other. Sanderson Wealth Management has spent decades learning the intricacies of an EY Partner’s retirement so they can guide clients to optimal outcomes. Learn why so many EY Partners suffer from decision fatigue as they wrap up their careers.

Q.
What types of portfolios can Sanderson Wealth Management help me build given EY independence parameters?
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Video
A.

Sanderson Wealth Management offers purpose-built investment delivery options for EY Partners. Learn how our modern portfolio theory strategy satisfies the EY ethos and independence concerns to create sophisticated portfolios with true alternative investment opportunities, including private equity and hedge funds.

Q.
What tax efficiency opportunities are there for retired EY Partners?
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Video
A.

With the right advisor, EY Partners’ unique retirement packages offer numerous opportunities to increase cash flow and reduce tax drag in retirement. Learn how.

Q.
How does Sanderson Wealth Management incorporate my personal financial circumstances and legacy goals outside of EY?
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Video
A.

Our proprietary modules operate from a holistic perspective, including any personal considerations such as the wealth of your spouse, inheritances, and upcoming life expenses, to paint a comprehensive picture of how each decision may affect your cash flow and legacy in retirement. See how it can benefit you.

Q.
How do you account for EY’s independence concerns?
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Video
A.

Our history working at EY and experience advising EY Partners has forged an unsurpassed understanding of EY independence. We have built an ever-evolving security filter, and customize our independence checks to every individual Partner we work with based on their unique location and client roster. Learn how we go to bat for you.

What Are The
8 Critical Decisions
Faced By A Retiring EY Partner?
Open Critical Decision Matrix
Still Have Questions?
let’s talk it through
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1
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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
Schedule a no-obligation personalized consultation with a Sanderson advisor today.
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