Free Webinar: The Costco Employee's Overlooked Tax Planning Opportunity

July 30, 2026 · 11:00 AM Pacific · 30 minutes · Live on Zoom

If you've spent years at Costco and built up company stock inside your 401(k), the way you take that stock out could be one of the biggest tax decisions of your retirement.

Most people roll their entire 401(k) into an IRA when they retire. For many, that's the right move. But if you hold highly appreciated Costco stock, a straight rollover can permanently close the door on a strategy called Net Unrealized Appreciation — and depending on your situation, that closed door can be an expensive one.

Join us Thursday, July 30 at 11:00 AM Pacific for a free 30-minute webinar where we break down exactly how NUA works, who qualifies, and how it compares to a standard IRA rollover — so you can make an informed decision before you retire or separate from service.

What is NUA?

Net Unrealized Appreciation is the difference between what you originally paid for the Costco stock in your 401(k) and what it's worth today. Under normal rules, every dollar withdrawn from a 401(k) is taxed as ordinary income. The NUA strategy lets you move your company stock into a taxable brokerage account instead — paying ordinary income tax only on your original cost basis, while the appreciation is taxed at long-term capital gains rates when the shares are sold.

For long-tenured employees whose stock has grown substantially, the gap between those two tax rates can be meaningful. But the qualification rules are strict, and one wrong move can disqualify the strategy permanently.

What we'll cover

• What NUA is and why the IRS treats it differently than ordinary income
• The lump-sum distribution rules you must meet to qualify
• NUA vs. an IRA rollover — the advantages and trade-offs of each
• Common mistakes that permanently disqualify the strategy

Who should attend

Current and former Costco employees who hold company stock inside their 401(k) — especially those within a few years of retirement or separation from service. No financial background needed. Our goal is that you leave understanding the strategy well enough to ask the right questions about your own situation.

Register

Date: Thursday, July 30, 2026
Time: 11:00 AM Pacific (30 minutes)
Where: Live on Zoom — free to attend

Register here

Can't make it live? Register anyway and we'll send you the replay.

Our office is just minutes from Costco headquarters in Issaquah, and we work with Costco professionals and retirees every day. If you'd rather talk through your situation one-on-one, you can schedule a complimentary call with us anytime.

This webinar is intended for educational purposes only and does not constitute tax, legal, or investment advice. Whether the NUA strategy is beneficial depends on individual tax circumstances, cost basis, future tax rates, diversification objectives, and other factors. Advisory services offered through Gevers Wealth Management, LLC, an Investment Advisor registered with the Securities and Exchange Commission. This webinar is presented by Gevers Wealth Management, LLC and is not affiliated with or endorsed by Costco Wholesale Corporation.

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