FAQ Guide - Coordinating Your PepsiCo Benefits
February 6, 2026
Who is this information for?
This information is intended for PepsiCo employees and their families who are evaluating retirement-related benefits such as pensions, 401(k) plans, and equity compensation, particularly as they approach retirement or a career transition.
Why does coordinating benefits matter?
Benefit decisions often affect more than one area of a financial plan. For example, a pension election may influence income planning, tax considerations, or withdrawal strategies. Reviewing benefits together can help individuals better understand how decisions may interact within their broader financial picture.
Is coordinating benefits only important close to retirement?
While coordination often becomes more relevant as retirement approaches, many people benefit from reviewing how decisions align with longer-term goals well before major elections are required. Early planning may provide additional flexibility and context.
How do pensions typically fit into a broader financial plan?
Pensions can represent a significant source of retirement income. Evaluating pension options alongside other assets and income sources may help individuals assess cash flow, timing, and tax considerations as part of their overall plan.
What role do 401(k) decisions play?
401(k) plans often serve as a primary savings vehicle. Decisions related to contributions, distributions, and potential rollovers can influence long-term planning considerations and may benefit from being reviewed alongside other benefits.
How is equity compensation considered in planning?
Equity compensation may introduce additional complexity related to vesting schedules, taxation, and timing. Reviewing equity compensation in the context of a broader financial plan can help individuals understand how it fits into income and tax planning considerations.
Do I need to have all of my information ready to start a conversation?
No. Many conversations begin with general questions and a high-level review of benefits and goals. Specific documents may be helpful but are not required to begin discussing planning considerations.
What does a planning conversation typically focus on?
Conversations often focus on understanding benefit structures, timelines, and priorities. The goal is to provide context and help individuals evaluate how different decisions may interact within their financial plan.
How does your firm work with PepsiCo employees?
Our firm works with PepsiCo employees and their families who are seeking guidance around retirement and benefit-related planning considerations. We are familiar with common questions that arise and take an educational, fiduciary approach to helping individuals understand their options.
Is there an obligation to take action after a conversation?
No. Conversations are designed to be informational and exploratory. There is no obligation to make decisions or implement changes as a result of an initial discussion.
Getting Started
If you are a PepsiCo employee considering pension elections, 401(k) decisions, or other benefit-related choices, you may find value in reviewing how these elements fit within your broader financial picture.
An introductory conversation is designed to help you:
- Understand how your benefits may interact
- Identify key timing considerations
- Clarify questions before decisions are made
- Gain perspective on next steps, without pressure or obligation
These conversations are educational in nature and focused on providing context, not recommendations or commitments.
TMG and PepsiCo are not affiliated, nor is TMG representing that PepsiCo has contracted, nor endorsed TMG to provide advisory services exclusively to current and former PepsiCo employees. This is not an endorsement of TMG's services by any current or former PepsiCo employee.
Schedule a complimentary conversation to explore how your benefits align with your goals and priorities.
Need more help?
Contact The Mather Group, your advisor, health insurance professional, or your state’s health insurance assistance program (SHIP) for additional information. SHIP is a national program that offers one-on-one Medicare counseling and assistance to individuals and their families.
Who is this information for?
This information is intended for PepsiCo employees and their families who are evaluating retirement-related benefits such as pensions, 401(k) plans, and equity compensation, particularly as they approach retirement or a career transition.
Why does coordinating benefits matter?
Benefit decisions often affect more than one area of a financial plan. For example, a pension election may influence income planning, tax considerations, or withdrawal strategies. Reviewing benefits together can help individuals better understand how decisions may interact within their broader financial picture.
Is coordinating benefits only important close to retirement?
While coordination often becomes more relevant as retirement approaches, many people benefit from reviewing how decisions align with longer-term goals well before major elections are required. Early planning may provide additional flexibility and context.
How do pensions typically fit into a broader financial plan?
Pensions can represent a significant source of retirement income. Evaluating pension options alongside other assets and income sources may help individuals assess cash flow, timing, and tax considerations as part of their overall plan.
What role do 401(k) decisions play?
401(k) plans often serve as a primary savings vehicle. Decisions related to contributions, distributions, and potential rollovers can influence long-term planning considerations and may benefit from being reviewed alongside other benefits.
How is equity compensation considered in planning?
Equity compensation may introduce additional complexity related to vesting schedules, taxation, and timing. Reviewing equity compensation in the context of a broader financial plan can help individuals understand how it fits into income and tax planning considerations.
Do I need to have all of my information ready to start a conversation?
No. Many conversations begin with general questions and a high-level review of benefits and goals. Specific documents may be helpful but are not required to begin discussing planning considerations.
What does a planning conversation typically focus on?
Conversations often focus on understanding benefit structures, timelines, and priorities. The goal is to provide context and help individuals evaluate how different decisions may interact within their financial plan.
How does your firm work with PepsiCo employees?
Our firm works with PepsiCo employees and their families who are seeking guidance around retirement and benefit-related planning considerations. We are familiar with common questions that arise and take an educational, fiduciary approach to helping individuals understand their options.
Is there an obligation to take action after a conversation?
No. Conversations are designed to be informational and exploratory. There is no obligation to make decisions or implement changes as a result of an initial discussion.
Getting Started
If you are a PepsiCo employee considering pension elections, 401(k) decisions, or other benefit-related choices, you may find value in reviewing how these elements fit within your broader financial picture.
An introductory conversation is designed to help you:
- Understand how your benefits may interact
- Identify key timing considerations
- Clarify questions before decisions are made
- Gain perspective on next steps, without pressure or obligation
These conversations are educational in nature and focused on providing context, not recommendations or commitments.
TMG and PepsiCo are not affiliated, nor is TMG representing that PepsiCo has contracted, nor endorsed TMG to provide advisory services exclusively to current and former PepsiCo employees. This is not an endorsement of TMG's services by any current or former PepsiCo employee.
Schedule a complimentary conversation to explore how your benefits align with your goals and priorities.
Need more help?
Contact The Mather Group, your advisor, health insurance professional, or your state’s health insurance assistance program (SHIP) for additional information. SHIP is a national program that offers one-on-one Medicare counseling and assistance to individuals and their families.
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