Your SAS Legacy
MAXIMIZED
Hilltop Wealth Advisors specializes in helping employees of SAS—and other companies in the Triangle—capitalize on their benefits to maximize their income.
We’re here to help you better understand the benefits you may be receiving from SAS and leverage financial opportunities to build your portfolio, make strategic investments, save, and reduce taxes.
Learn more through a complimentary consultation with a Hilltop Advisor.
SAS BENEFITS +
Opportunities
Learn about your possible company benefits and
discover financial opportunities that could await you.
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If you are enrolled in a High Deductible Health Plan, then you have access to a Health Savings Account. SAS will contribute to this account and you can make additional, tax-deductible contributions up to the annual limit. The earnings in this account are tax-deferred, and the withdrawals are tax-free if you use the funds for qualified medical expenses.
OPPORTUNITIES:
With an HSA, you do not have to deplete the account by the end of the calendar year. Instead, you could focus on building up the balance and investing it to take advantage of long-term market performance, and use the funds for future medical expenses. You can also take an HSA distribution at any point to reimburse yourself for previous medical expenses, if those expenses were incurred after the HSA was first opened.
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This retirement plan has a variety of investment options and allows you to make several different types of contributions: pre-tax, Roth, and after-tax. With pre-tax and Roth contributions, you are subject to the annual salary deferral limit. After-tax contributions have a different, higher contribution limit. SAS will match contributions up to 6% of your salary.
OPPORTUNITIES:
If you have reached the salary deferral limit for your 401k contributions, the “mega backdoor Roth” strategy can be an effective way to save more, tax-free, for retirement. To do this, you make after-tax contributions to the 401k and then complete an in-plan conversion. This will move the after-tax contributions to the Roth side of the 401k, where the funds can be invested and grow tax-free.
Hilltop
Executive
Advantage
Hilltop Wealth Advisors specializes in retirement and wealth strategies designed for SAS executives like you.
See how we can help you leverage your company benefits to maximize your financial legacy.
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Risk-managed portfolio design—inside and outside of your retirement plan—helping you to preserve and grow wealth.
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Comprehensive tax projections. Social Security timing strategies, and charitable planning to keep more in your pocket.
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Guidance on HSA investing, Medicare integration, and retiree medical plan coverage with the Cisco Retiree Medical Access Plan.
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Strategies for efficient distributions, Roth conversions, and tax-smart withdrawal sequencing.
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Beneficiary reviews, trust coordination, and multi-generational planning in coordination with your estate attorney.
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Experienced guidance on managing concentrated Cisco equity positions and equity compensation (restricted stock and employee purchase plans).
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Leverage charitable giving tools to maximize your impact and optimize Cisco’s 1:1 gift match (up to $10,000).
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Planning for dependents, special needs and succession—so your wealth serves your family for generations to come.
Get STARTED.
Use the calendar to book a complimentary consultation with a Hilltop Wealth Advisor or give us a call.
Phone
919-401-1500
HOURS
M-F, 8AM-5pm (ET)
Have equity compensation?
Make wise decisions about one of your most valuable assets with Hilltop’s Equity Compensation Analysis. Designed to provide you with unique and insightful perspectives on the full value of your equity, its inherent risk, and the hidden leverage often overlooked in your stock options to help you reach your financial goals.
Disclosure: Hilltop Wealth Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Hilltop Wealth Advisors is not an accountant or attorney and does not provide tax or legal advice.