got ESOP?
Your ESOP distribution.
Your next move.
Receiving an ESOP (Employee Stock Ownership Plan) distribution? You have options, and understanding them can make a difference in your financial future.
Whether you're considering a rollover, cashing out, or a combination of both, Financial Designs can help you understand your choices and make an informed decision.
Let's Talk About Your Optionsgot options?
Explore your ESOP distribution options.
Roll It Into an IRA
Continue saving for retirement through an Individual Retirement Account (IRA). Financial Designs can help you explore your rollover options and how they fit into your broader financial picture.
Every ESOP plan has specific provisions, and not all distribution options are available to everyone. Seek professional advice before making a decision.
got a business?
ESOP companies are an important part of the American economy, creating opportunities for employees to share in the success of the businesses they help build.
Today, ESOPs cover more than 15 million participants nationwide, supporting employee ownership, retirement benefits, and long-term financial opportunity.
As we celebrate more than 50 years of ESOP legislation, Financial Designs is proud to continue its own legacy of supporting business owners, ESOP companies, and their employees.
Considering an ownership transition? An ESOP may be one option worth exploring. Our team can help you evaluate your next steps.
Source: National Center for Employee Ownership (NCEO) , January 2026.
got questions?
Let's talk about your next step.
You don't have to navigate your ESOP distribution alone. We're here to help you understand your options and feel confident about what comes next.
Let's figure out what comes next.
Our team can help you understand your ESOP distribution, consider potential tax implications, and evaluate your next steps based on your financial goals.
Meet Our AdvisorsRick Scruggs, CLU®, ChFC®, C(K)P®
CEO & Business Coach
Rick Scruggs is the founder of Financial Designs, a regional leader in Business Continuity, Succession, Transition, and Exit Planning.
Rick Scruggs is the founder of Financial Designs, a regional leader in Business Continuity, Succession, Transition, and Exit Planning. With a passion for candidly speaking with people about businesses, employees, and families, Rick and his team provide financial solutions and business coaching.
Rick’s experience and expertise stem from his personal journey, which began after his father’s untimely passing and the impact it had on his family. His mission is to help business owners create a more abundant future and protect the people they love.
Sarah Scruggs Reddell, RICP®, AIF®, C(k)P®
Business Coach & Retirement Plan Specialist
Sarah Scruggs Reddell plays a pivotal role in the day-to-day operations of Financial Designs, assisting individuals at every stage of engagement with the firm.
Sarah Scruggs Reddell plays a pivotal role in the day-to-day operations of Financial Designs, assisting individuals at every stage of engagement with the firm. Her dedication to helping people improve their financial situations is a driving force behind her work.
Sarah is a certified Retirement Income Certified Professional (RICP) and leads the Financial Solutions Division, focusing on retirement success, risk management, and wealth management for both businesses and individuals.
Benjamin D. Giese, CFP®, MBA
Financial Advisor
Ben Giese is a financial advisor with a decade of experience at Financial Designs, specializing in holistic financial planning for individuals, families, and business owners.
Ben Giese is a financial advisor with a decade of experience at Financial Designs, specializing in holistic financial planning for individuals, families, and business owners. His expertise includes investments, taxes, estate planning, and retirement planning.
Ben is dedicated to building strong client relationships and developing tailored strategies to meet their unique financial needs. Additionally, he serves as an Adjunct Instructor at Liberty University Online, where he shares his extensive knowledge in finance.
got next steps?
Tell us where you are in the process, and we’ll help you understand what comes next. Or, schedule a meeting with one of our advisors above.
A Little More Information
Want to better understand the tax considerations of receiving a retirement plan distribution?
This document is provided for educational purposes as an example of a Special Tax Notice under Section 402(f). It is not specific to your ESOP or your individual circumstances. Consult your plan administrator for the notice applicable to your distribution.