SEI Employees

Financial Planning for SEI Employees

Retiring soon—or simply trying to make the most of your SEI benefits? We help you make confident decisions around your 401(k), stock purchase plan, and long-term retirement strategy.
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Are you approaching a career change, retirement, or a big equity decision?

SEI offers meaningful tools to build wealth—especially through the Capital Accumulation Plan 401(k) and employee stock purchase plan. The challenge is turning those benefits into a coordinated plan that reduces taxes, manages risk, and supports the life you actually want.

  • Capital Accumulation Plan (401(k)) strategy: contribution prioritization, Roth vs. pre-tax, rollovers, investment lineup decisions

  • Employee Stock Purchase Plan (ESPP): tax-aware sale strategy, avoiding “accidental concentration,” integrating with your broader allocation

  • Employee Investment Program: coordinating after-tax investing with your retirement plan strategy

  • Equity/bonus planning: withholding strategy, estimated taxes, and timing decisions

  • Retirement income modeling: “Can I retire?” projections, withdrawal sequencing, Social Security coordination

  • Risk & protection planning: insurance review, emergency fund targets, and “what if” scenarios

Comprehensive Overview of SEI Employee Benefits

Capital Accumulation Plan (401(k))

401(k) decisions that compound over time

Your 401(k) is often the engine of your retirement plan. We help you choose a contribution strategy, align investments with your risk tolerance, and plan future rollovers—so your retirement savings works as hard as you do.

  • Roth vs. pre-tax contribution strategy

  • Rollover planning when changing roles or retiring

  • Coordinating 401(k) + taxable accounts + IRAs

Stock purchase plan + concentration risk

When company stock becomes a “too much of a good thing” problem

Employee stock programs can accelerate wealth—but also quietly concentrate risk. We help you build a sell/hold strategy that fits your goals and tax picture, without derailing your broader plan.

  • Planning staged sales vs. lump sales
  • Integrating company stock into your overall allocation
  • Tax-aware diversification approaches

Transitions + retirement readiness

Retirement (and career transitions) aren’t one decision—they’re a sequence

Whether you’re five years out or five months out, we build a step-by-step plan: cash flow, taxes, investments, and protection—so you know what happens next and what to do now.

Take the next step in your retirement planning

We help SEI professionals simplify complex choices and create a coordinated plan for retirement, taxes, and long-term wealth. If you want a second set of eyes (and a clear next step), let’s talk.
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Diversified is not affiliated with or endorsed by SEI.

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