Do you work at Nutrien?
Get expert insights from financial advisors who specialize in helping Nutrien employees and executives make the most of their compensation package and benefits.
Looking for a financial advisor who specializes in working with Nutrien employees? You’re in the right place. Below, you’ll find advisors who understand Nutrien benefits and compensation — along with their answers to common financial questions from Nutrien employees and executives.
Whether you recently joined Nutrien or you’ve advanced into a management or executive leadership role over a multi-year career, making smart decisions about your income and Nutrien benefits can have a lasting impact on your financial future. For example:
✅ Do you know the right moves to get the greatest value from the Nutrien benefits available to you?
✅ If you’re thinking about leaving Nutrien for another job or planning to retire in a few years, are you taking the right steps today to receive all the compensation and benefits you’ve earned?
Key Takeaways
How an Advisor Charges Can Shape a Nutrien Retiree’s Income
Don Rudolph argues that a traditional percentage-of-assets fee can consume a meaningful share of after-tax investment income in retirement. Before hiring an advisor, ask how they charge and what that fee could cost you each year once you stop working.
Build a Secure Income Runway Five to Ten Years Before Retiring
Ideally 10 years, and at least five, before your planned retirement date, put a flexible income plan in place that covers critical needs with secure sources of income for life.
Near Retirement, Market Losses Carry Different Risks
While you’re working, temporary losses can be made up with new contributions and a market rebound. Once your paycheck stops, the same losses can become a permanent reduction in retirement income, so your investment approach should change as you get closer.
Why Nutrien Employees Work with a Specialist Financial Advisor
Throughout the year, Nutrien provides its employees with updates about their benefits, ranging from health insurance and health savings accounts to retirement plans like a 401(k) with a company match — along with life and disability insurance. While the company offers many useful resources and access to knowledgeable staff who can assist with questions, you’ll also find financial professionals not affiliated with Nutrien who specialize in helping Nutrien employees and executives make the most of their income and benefits.
Nutrien is headquartered in Saskatoon, Saskatchewan, and its U.S. corporate offices are in Loveland, Colorado, and Deerfield, Illinois, with Nutrien Ag Solutions retail locations serving growers across the country. Whether you work at a corporate office, a production site, or a retail location, you may have questions about your compensation package and benefits better suited for a financial professional who can offer unbiased advice and guidance.
Sensitive topics — like the steps you should take before quitting your job at Nutrien to work elsewhere, protecting yourself in advance of a corporate layoff, or deciding when you should plan to retire — are all conversations that may be more comfortable with a trusted financial advisor.
Should You Hire a Nutrien Specialist or a Local Financial Advisor?
You’ll likely find dozens of nearby financial advisors well-suited to help you reach your money goals with a personalized plan. But it can be harder to find a financial advisor who specializes in serving Nutrien employees. Fortunately, many financial advisors offer virtual services, so you can meet online no matter where you (or they) live — which means you can hire a specialist financial advisor who lives hundreds of miles away if their knowledge and experience working with Nutrien employees is the better fit for your unique needs.
💡 In the Q&A below, you’ll gain insights from financial advisors who work with Nutrien employees to help them make smart decisions, get the most value from their compensation and benefits, reduce their money stress, and prepare for a comfortable retirement.
🙋♀️ Have a question not yet answered? Use the form below to submit your question. You can also contact financial advisors directly to set up an introductory call or contact them with your questions.
Q&A: Financial Planning Tips for Nutrien Employees & Executives
In this section, you’ll learn how you can make the most of your Nutrien employee benefits and gain valuable tips from financial advisors who specialize in working with Nutrien employees and executives.
Financial Advisor Q&A · Nutrien Employees
Don Rudolph
FLAT FEE CIO · Greenville, NC · Serves clients nationwide
FLAT FEE CIO is Your Fixed Fee Chief Investment OfficerDon Rudolph, a financial advisor based in Greenville, North Carolina, specializes in offering financial planning services to Nutrien employees. Don helps his clients get the most value from their Nutrien benefits and compensation package so they can enjoy life and feel confident about their financial future.
QAs a financial advisor with experience helping Nutrien employees save for their retirement, how do you help them make the most of their employee benefits?
The fee you pay to an advisor can have an outsized impact on your annual income in retirement. You can have a “perfect retirement plan”, but if your advisor charges a 30-year-old legacy percentage on asset fee, it can devour over 30% of your after-tax investment income each year in retirement. And that is not so perfect. We help design a retirement plan for Nutrien employees that is customized to their goals and objectives and is also efficient with today’s low fixed annual advisor fee.
QWhen you first speak with a Nutrien employee, what questions do you like to ask to better understand their unique circumstances and determine how you can best help them achieve their goals?
What are your critical income needs in retirement that require secure sources of income for the rest of your life? What are your overall income goals in retirement? We like to ask these important questions when first meeting with a Nutrien employee.
QIs there a particular benefit available to Nutrien employees you feel isn’t as well utilized or understood by employees as it should be?
Today, retaining experienced retirement planning guidance and ongoing investment management is far more accessible and affordable with a low fixed annual fee.
QBeyond Nutrien employee benefits for retirement savings, are there other types of benefits offered by the company that you find valuable to discuss with your clients (e.g., stock, education savings, health savings)?
We provide a comprehensive look at the benefits and options available to Nutrien employees and help determine how they can maximize their opportunities.
QFor Executive employees recently joining Nutrien, what actions do you recommend they take to best manage their old retirement plan balances?
We help determine what impact their departure from their prior company will have on their benefits and confirm what advantages their new Nutrien employee benefits will offer them.
QFor Nutrien employees approaching retirement age, how do you recommend they prepare to make the transition from living off their salary to relying upon other sources of income?
We help Nutrien employees establish a secure runway for a confident transition into retirement. Ideally 10 years, but at a minimum of 5 years, prior to their anticipated date of retirement, a secure income plan that is flexible and will build higher levels of guaranteed income up to and throughout retirement that the market cannot take away prior to or during retirement.
QFor Nutrien employees who have managed their finances on their own to this point, what would you suggest they consider to help them decide if they should begin working with a financial advisor at this stage in their lives?
Today, retaining ongoing experienced retirement advice does not cost “an arm and a leg” like it used to with 30-year-old percentage on asset fees. Today, ongoing comprehensive financial advice is available for a low fixed fee.
There are no do-overs in retirement, and market losses are not temporary setbacks to your retirement income. Losses can be permanent and severely reduce your anticipated lifestyle in retirement unless you take an informed approach to protect your lifetime of savings.
QWhat are some of the unique financial planning challenges you commonly see among your clients who are Nutrien employees, and how do you help them overcome these obstacles?
Helping employees understand the critical difference in risk of loss between temporary losses that can potentially be made up with additional contributions and a market rebound while they are employed and the absolute risk of permanent loss of income when they are near retirement or while they are in retirement and taking distributions for income.
Next, with our low fixed annual fee, we help employees unlock higher net returns and higher net income by avoiding the outsized impact that old legacy percentage on asset fees can have on their investments. These old percentage fees can devour over a third of their after-tax investment income in retirement.
Through efficient and prudently diversified protection strategies, we help mitigate investment risks and allow Nutrien employees to move forward with confidence in their retirement plans.
QWhat questions do you recommend Nutrien employees ask financial advisors they’re considering hiring to help them decide if they’re a good fit?
How familiar are the advisors with the Nutrien retirement plan, and who are other Nutrien employees that they have helped? How many years of experience do they have, and do they charge a low fixed fee or legacy percentage on assets fee?
QIs there anything that comes up frequently in your initial meeting with Nutrien employees that surprises you?
In today’s world of more frequent job changes by employees, I am always pleasantly surprised by the longevity of the tenure of the employees who work at Nutrien. It is a testimony to their dedication and Nutrien’s commitment to providing an attractive workplace. In my opinion, many Nutrien employees are pleasantly surprised at the high level of guaranteed income they can generate with our secure retirement income solutions.
QFor highly compensated Nutrien employees and executives, are there any special benefits you believe it’s important to take into consideration when preparing their financial plan?
Our fixed fee approach is particularly attractive to high net worth clients because our fixed dollar fee does not increase with their level of assets like the old percentage on assets fee. As a result, our low fixed fee unlocks the potential to save tens of thousands s of dollars each year over legacy percentage-based fees in the form of higher net returns and higher income in retirement year after year.
QIs there a particularly memorable experience or a moment you recall with a client who worked at Nutrien when you realized they have unique opportunities and circumstances when it comes to their financial planning needs?
At our request, Nutrien clients often share their whole financial picture with me in order to get a better understanding of where they are now and where they need to be at retirement. During our comprehensive review together, we often uncover a substantial level of excess fees that are currently being charged at other firms that we help reduce and save thousands of dollars each year in hard-earned savings.
QDo you know what your highest annual cost in retirement can be?
Healthcare? Taxes? Both are good guesses. But, no. It’s your old percentage of assets, annual advisor fee. As a result, the “Perfect Retirement Plan” with the Wrong Advisor Fee may not be so perfect.
It is critically important to understand your retirement plan recommendations and the annual costs your advisor charges to implement and manage your retirement accounts year after year. The Wrong Fee can devour over 30% of your after-tax investment income in retirement year after year. That is worth repeating. With the wrong fee, over a third of your after-tax investment income can be paying advisor fees each year in retirement.
So the wrong advisor fee can make or break your retirement income plan. Today, it no longer has to be this way. Now, thanks to advancing financial technology, we are in a new era of efficient wealth management where a low fixed fee is rapidly replacing the 30-year-old percentage on assets fee.
Nutrien employees with long tenures and high retirement savings balances should seek to work with advisors who charge a low fixed fee for retirement planning and investment management versus a few charged on their total assets.
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About the Author
Brian Thorp
Founder & CEO, Wealthtender · Editor-in-Chief
Brian Thorp is the founder and CEO of Wealthtender and serves as Editor-in-Chief. With over 25 years in the financial services industry — including nearly 22 years at Invesco, where he led strategic partnerships with wealth management firms representing more than $100 billion in assets — Brian founded Wealthtender to help people find financial advisors they can trust and make more informed money decisions.
A member of the National Society of Compliance Professionals and its SEC Marketing Rule Working Group, Brian was recognized by WealthManagement.com as one of its “Ten to Watch in 2024” for his work reshaping how financial advisors market their services. He holds a B.B.A. in Finance from The University of Texas at Austin.
Brian and his wife live in Austin, Texas.