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Maximize Your Garney ESOP


In addition to actively participating in Garney’s employee stock ownership plan (ESOP), and possibly saving outside of your plan, you still may not have the confidence that you will be able to enjoy the lifestyle you envision in retirement. A Commerce Trust Company advisor who understands the specifics of the Garney ESOP and benefits can help answer questions such as:

  • Can I retire early?
  • How much income do I need in retirement?
  • How will I pay for healthcare in retirement?
  • What do I need to know about Social Security and Medicare?
  • Can I continue to support an elderly or special needs family member?
  • What tax consequences should I consider?
  • Are my benefits portable?
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