Your Nutrien Benefits & Career: Financial Planning for Employees and Executives

By  Brian Thorp

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Do you work at Nutrien? Get the resources you need and expert insights from financial professionals who specialize in helping Nutrien employees make the most of their compensation package and benefits.

Whether you’re a new Nutrien employee or you’ve moved up the ranks into a management or executive leadership role over a multi-year career, it’s important to make smart money moves with your income and employee benefits. For example:

✅ Do you know the right moves to make to get the greatest value from the Nutrien benefits available to you?

✅ If you are within 10 years of planning to retire from Nutrien, are you taking the right steps today to help you maximize the potential retirement income that will be available to you when you retire and throughout your lifetime in retirement?

Get the Most Value from Your Nutrien Benefits and Compensation Package

Throughout the year, Nutrien provides its employees and executives with updates about their benefits, from health insurance and health savings plans to retirement plans like a 401(k), deferred compensation plans, and stock options. 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 make the most of their income and benefits.

Whether you work in the Nutrien corporate offices in Chicago or Loveland, one of the Nutrien US phosphate operations facilities around the country, or remotely from home, you may have questions about your compensation package and benefits better suited for a financial professional who can offer tailored advice and guidance.

Should you hire a Nutrien specialist financial advisor or an advisor close to home?

You’ll likely find dozens of nearby financial advisors well-suited to help you reach your money goals with a personalized plan. But it may be more difficult 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.

This means you can choose to hire a specialist financial advisor who lives hundreds of miles away if you decide their knowledge and experience working with Nutrien employees is a better fit to help with 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 to get the most value from their compensation and benefits, reduce their money stress, and prepare for a comfortable retirement.

🙋‍♀️ Do you have questions not yet answered? Use the form below to submit questions anonymously, and watch this article for updates with answers to your questions. You can also reach out to the financial advisors below to set up an introductory call or contact them with your questions by email.

💸 Smart Money Insights for Nutrien Employees & Executives

This page is organized into sections to help you quickly find the information you need and get answers to your questions:

  1. Q&A: Financial Planning Tips for Nutrien Employees & Executives
  2. Get Answers to Your Questions About Your Nutrien Benefits and Career
  3. Quick Facts & Resources for Nutrien Employees
  4. Browse Related Articles

Q&A: Financial Planning Tips for Nutrien Employees & Executives

Answers to Employee Questions with Don Rudolph

Don 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.

Q: As a financial advisor with experience helping Nutrien employees save for their retirement, how do you help them make the most of their employee benefits?

Don: 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.

Q: When 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?

Don: 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.

Q: Is there a particular benefit available to Nutrien employees you feel isn’t as well utilized or understood by employees as it should be?

Don: Today, retaining experienced retirement planning guidance and ongoing investment management is far more accessible and affordable with a low fixed annual fee.

Q: Beyond 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)?

Don: We provide a comprehensive look at the benefits and options available to Nutrien employees and help determine how they can maximize their opportunities.

Q: For Executive employees recently joining Nutrien, what actions do you recommend they take to best manage their old retirement plan balances?

Don: 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.

Q: For 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?

Don: 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.

Q: For 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?

Don: 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.

Q: What 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?

Don: 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.

Q: What questions do you recommend Nutrien employees ask financial advisors they’re considering hiring to help them decide if they’re a good fit?

Don: 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?

Q: Is there anything that comes up frequently in your initial meeting with Nutrien employees that surprises you?

Don: 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.

Get to Know Don Rudolph, Financial Advisor for Nutrien Employees:

View Don’s profile page on Wealthtender or visit his website to learn more.

Q: For 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?

Don: 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.

Q: Is 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?

Don: 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.

Q: Do you know what your highest annual cost in retirement can be?

Don: 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 and CEO of Wealthtender profile picture

Brian Thorp

Founder and CEO, Wealthtender

Brian and his wife live in Texas, enjoying the diversity of Houston and the vibrancy of Austin.

With over 25 years in the financial services industry, Brian is applying his experience and passion at Wealthtender to help more people enjoy life with less money stress.

Connect with Brian on LinkedIn

To make Wealthtender free for readers, we earn money from advertisers, including financial professionals and firms that pay to be featured. This creates a conflict of interest when we favor their promotion over others. Learn more. Wealthtender is not a client of these financial services providers.
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