^{Job Separation or Layoff}A Clear Plan When Your Job Changes Unexpectedly

Severance, benefits, and retirement accounts all come with decisions and deadlines. We help you sort through them without added stress.

How We Helped a Client Turn a Layoff Into a Stronger Plan

“Most recently, the company I had grown with had a massive round of layoffs, and I was impacted. There's so many things to think about when that happens, and my biggest concern was making sure I could still provide for myself and my daughters. Greg advised me through my job separation, and we adjusted course with retirement planning. ”
— Linda R.

Client Testimonials

Retirement Strategy After a Job Loss

Free Guide - Retirement Strategy after a Job Loss

A clear-eyed guide to the financial side of a layoff — what to do first, what can wait, and how to protect your plan

Download Guide

Additional Resources

More Ways to Get Informed

● Choices for Your 401(k) at a Former Employer

● Reviewing Your Life Insurance Needs

● Follow Cambridge Cape Cod Advisors on social for ongoing insight

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^{right now}The Decisions in Front of You

A layoff compresses a lot of decisions into a short window. Here's what tends to have real deadlines:

● Tax treatment considerations for severance pay (lump sum vs. salary continuation)

● COBRA election window requirements

● Options for employer and solo retirement plan accounts (leave in place, self-directed, roll over, or cash out)

● Vesting and forfeiture rules for stock options or RSUs after termination

● Tax withholding elections on unemployment income

These are general considerations — specific ages, thresholds, and deadlines change over time and can vary by situation. We'll walk through exactly what applies to you.

^{our commitment to you}Guided by What Matters Most

Strategies built around you. Values you can count on.

We create strategies tailored to your specific needs and goals. Years of experience have prepared us to guide you through life's transitions, and we do it with trust, honesty, and integrity. We believe values matter, and we live ours every day.

Let's build a bridge plan together.

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^{Contact Us}Let's Start With
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A 15-minute call is the best place to start.

Fifteen minutes is enough to know whether we are the right fit. Reach out and we will find a time.

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Job Separation or LayoffA Clear Plan When Your Job Changes Unexpectedly