Retirement planning for employees of Travelers*
The Focus Team at Farther works with employees of Travelers to help them build comprehensive plans focused on maximizing their company stock awards, planning for their retirement, and meeting their financial goals.
Maximize Your Stock Awards & Retirement Benefits
Our team has knowledge of Travelers company benefits that allow us to provide tailored advice to help you make informed financial decisions.
When is the right time to execute my stock options or sell my RSUs? How do I minimize taxes associated with my stock? Should my 401(k) contributions be pre-tax, ROTH(k), or both? How and when should I receive my pension and deferred compensation payouts at retirement? When is the best time for me to retire? How do I plan for medical coverage and social security?
If you’re asking yourself these questions, know you are not alone. Together, we will build a personalized plan to help you answer these questions and provide clarity around your financial life.
Three costly retirement myths
Don’t let these misconceptions cost you hundreds of thousands—or more.
Truth: That assumption can be expensive. Pension lump sums are impacted by interest rates and timing, and even small changes can swing your payout by tens—or even hundreds—of thousands of dollars depending on when you retire.
Truth: That delay can be costly. Employees who plan their pension elections, 401(k) withdrawals, and tax strategies well in advance have more flexibility and can avoid expensive mistakes.
Truth: That approach can limit your outcome. Many 401(k) plans offer multiple fund options and withdrawal strategies—without rebalancing and coordinating your portfolio with your pension, you could be taking on unnecessary risk or missing opportunities to diversify your retirement income.
How we help employees of Travelers*
We understand the many moving parts of your company benefits and the options available to you as an employee of Travelers. We are here to help you make smart decisions around what is best for you. The Focus Team at Farther brings an acute awareness and core competency around company 401(k), pension, deferred compensation plan, and company stock awards. Our goals-based approach aims to guide employees through a comprehensive financial planning journey to build personalized strategies based on what’s important to them.
A comprehensive plan
We build detailed financial plans for employees, providing clarity on achieving your financial goals and understanding when you can retire.
Making the most of your RSUs and stock options
We will create a personalized strategy for your RSUs and stock options focused on maximizing the value of your company stock while minimizing taxes.
Pension & deferred compensation plan
Should you take your pension and deferred compensation in a lump sum or annuity? We offer advice and guidance specific to your pension options and deferred compensation plan that will guide you to the best option for your specific situation.
Your financial advisor & retirement guide
We do more than develop your financial plan. We're beside you each step of the way and for every piece of retirement paperwork, including 401(k), Pension, Medicare, and Social Security.
Retirement FAQs for Employees of Travelers*
We're here to close the gap
Farther acts as your wealth’s central hub. Our unified platform brings all your accounts together, while your dedicated advisor orchestrates your investment, tax, and estate strategies. The result is a seamless, proactive, and fully coordinated approach to managing every part of your financial life.
Farther’s platform uses advanced encryption, continuous monitoring, and a proprietary vault architecture engineered for maximum data integrity. Backed by leading global tech investors like Alphabet’s CapitalG, our systems are designed and vetted to keep your wealth safe.
Our technology amplifies — not replaces — human expertise. The platform manages daily precision tasks, freeing your advisor to focus on strategy and nuance. This blend of advanced automation and human insight ensures your wealth benefits from both innovation and personal guidance.
Farther advisors act in your best interest and are fiduciaries. We’ve eliminated commissions to remove conflicts and use a simple, transparent fee structure. Our growth depends directly on your success—we thrive only when your wealth does.
We’ll start with a 20-minute discovery call. It’s a low-pressure talk to see if our expertise matches your goals. We’ll discuss your story, identify gaps, and determine if we’re the right fit. You’ll leave with a clear understanding of our process and no obligation to move forward. Our goal is to ensure you feel confident in your next financial steps.
Common questions asked about retirement benefits
- Which investment options should I select within my 401(k)? What are the differences between Target Date Funds, Core Funds, BrokerageLink and Employer Stock?
- How do I make the most of my 401(k)? Should I be making contributions to the Pre-tax, ROTH(k), or both?
- What can I do to help reduce taxes associated with the vesting of my RSUs and stock options?
- What's the difference between the lump sum and annuity payout options for my pension? What's the best option for me?
- How do interest rates & timing affect my pension payout? What is the difference between the Pay Credits & Interest Credits?
