Specialized Retirement Planning for PACCAR Employees
At Allworth Financial (formerly Grunden Financial Advisory), we understand that retiring from PACCAR comes with a unique set of opportunities—and complexities. We help PACCAR professionals integrate all the moving parts:
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Timing pension payouts
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Executing NUA stock distributions
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Coordinating 401(k) rollovers
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Developing withdrawal strategies that reduce your long-term tax burden
With deep knowledge of PACCAR’s benefit structure and hands-on experience navigating Fidelity’s NUA process, we can help you avoid costly missteps and transition into retirement with confidence.
Connect with a PACCAR-specialized advisor
Our Team
Our professionals are passionate about upholding the values that make our firm unique. Get to know the individuals dedicated to helping you achieve your financial goals and see firsthand how our values drive our success.
Ricky Grunden, Sr.
CFP®, AIF®
Partner Advisor
Dave Ragan
CFP®, AIF®
Partner Advisor
Susy Thomas
CFP®
Partner Advisor
Rob Thomas
CFP®
Financial Advisor
Elizabeth Clayton
Associate Advisor
Common Retirement Challenges for PACCAR Employees
Should I Roll My PACCAR 401(k)
Into an IRA?
As a PACCAR employee, a standard IRA rollover might not be your best move. If your 401(k) holds appreciated PACCAR stock, rolling everything into an IRA could mean missing out on the Net Unrealized Appreciation (NUA) strategy—which may allow you to pay lower capital gains tax on a portion of your retirement assets.
How Can I Reduce Taxes on My Retirement Income?
Coordinating pension payouts, 401(k) withdrawals, and stock sales can push you into a higher tax bracket. Many PACCAR employees end up paying more taxes in retirement than expected simply because their income sources weren’t properly sequenced.
When Should I Sell My
PACCAR Stock?
Having a large holding of PACCAR stock can be risky but selling it all at once may trigger large capital gains. Timing matters—especially when it could impact Medicare premiums or Social Security taxation.
Can I Use My PACCAR Stock to Support Causes I Care About?
If you’re charitably inclined, your PACCAR stock could be one of the most tax-efficient ways to give. Done right, you could avoid capital gains entirely and receive a full deduction for the gift.
Helpful PACCAR Resources
Logistics for Carrying Out the NUA Process: Step-by-Step Support for PACCAR Employees
If you’ve been following our series on Net Unrealized Appreciation (NUA), you’re already familiar with it as a powerful tax strategy for PACCAR …
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Beyond the Basics—How NUA Supports Legacy, RMD Reduction, and Asset Diversification
If you’ve been following our PACCAR NUA series, you already know how Net Unrealized Appreciation (NUA) can unlock powerful tax advantages. But the …
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How to Maximize Your NUA Strategy with Charitable Giving and Smart Income Timing
Once you’ve decided to use Net Unrealized Appreciation (NUA) to transfer PACCAR stock out of your 401(k), you’ve already made a powerful move to …
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How to Combine NUA with Roth Conversions for a More Tax-Efficient Retirement
PACCAR employees who take advantage of Net Unrealized Appreciation (NUA) already benefit from one of the most powerful tax strategies available …
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NUA vs. IRA Rollover: A Strategic Decision for PACCAR Employees
If you’re approaching retirement and have built up a significant amount of PACCAR stock in your 401(k), you may already know you have a tax decision …
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What Is NUA? A Powerful Tax Strategy for PACCAR Employees
If you’re a long-time PACCAR employee, chances are you’ve built up a significant balance in your 401(k)—and a good portion of that may be in PACCAR …
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