Let's get acquainted.
A Higher Standard of Wealth Management for Pfizer
Colleagues
The Pfizer benefits and compensation package is complex. Between the PSP, PSSP, PRAP, and various stock incentive awards, there are significant tax and planning nuances that other advisors often ofterlook.
At Decima Wealth Consulting, we work with Pfizer Colleagues nationwide to help optimize and integrate their benefits into their retirement plan.
15+
Years Experience
Fiduciary
Always Client-First
Pfizer Plans
Specialization
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Fiduciary Standard
Independent Advice
Fee-Only Model
Certified Financial Planner®
What Pfizer Colleagues Need to Know
RSU, TSRU, and PSA Planning
Strategic tax-efficient diversification strategies for your long term incentives.
PRAP Elections
Analyzing the Lump Sum vs. Annuity options to
determine which path works best for your longevity and estate goals.
Executive Benefits
Maximizing the Pfizer Savings Plan (401k)
including After-Tax contributions and the Mega
Backdoor Roth conversion.
PSSP and Deferred Compensation
Navigating the PSSP and DCA options to help you reduce taxes and design your payout timeline. Understanding how the PSSP Trigger works.
Early Exit Strategy
Understanding the “Rule of 90” and other key early retirement milestones for those looking to retire from Pfizer before age 65.
Our Specialized Expertise
Portfolio Engineering
Advanced asset allocation built to complement your internal Pfizer equity holdings.
Income Protection
Stress-testing your plan against market volatility, inflation, and unexpected career shifts.
Estate Legacy
Structuring your wealth to ensure a seamless transition to the next generation or charity.
Risk Management
Evaluating life and disability insurance gaps often found in corporate group policies.
Retirement Readiness
Customized cash-flow analyis and design from your final day at Pfizer through your retirement.
Tax Optimization
We start with a detailed review of your tax return to design a tax mitigation plan to keep more of your paycheck and nest egg.
A Clear Path Forward
Intro Call
A 15-minute alignment check to see if we’re the right fit.
Benefit Audit
We analyze your specific Pfizer statements and goals.
The BluePrint
A custom roadmap including tax and
investment strategies.
Implementation
Ongoing management as your career and life
evolve.
Pfizer-Specific Questions
What happens to my RSUs if I leave Pfizer early?
Depending on your age and length of service, you may be eligible for “Retiree Treatment,” allowing certain grants to continue vesting. We help you calculate these critical trigger
points.
How does Decima handle the Pfizer 401k?
We provide specific guidance around optimizing contributions, company match, and investments for the Pfizer PSP.
Is the Lump Sum pension payout always better?
It depends on PBGC interest rates and your family priorities. We balance financial optimization with lifestyle priorities.
Do you work with Pfizer employees nationwide?
Yes, our digital-first advisory model allows us to serve Pfizer professionals across the US securely and efficiently.