Retiring from Marathon Comes With Important Decisions…

This guide was created to help Marathon employees like you approach retirement with clarity and confidence.

Common AREAS of concern From MARATHON PETROLEUM Employees:

401(K) & Thrift Plan
i
Estate Planning
Tax Strategies
Healthcare & HSA
Investment Options
Pension Planning
Retirement Income
Stock Compensation & RSU
Social Security

We’re prepared to help you answer them all!

YOU’VE WORKED HARD FOR YOUR IDEAL RETIREMENT

If you’re anything like the Marathon retirees we’ve worked with, you have some pretty great benefits and a complex situation. This book was born out of real conversations and shared experience from the Wealth Management Team at Hixon Zuercher Capital Management, located just across the street from MPC Headquarters in Downtown Findlay, Ohio.

Together, they’ve spent years sitting across the table from hundreds of Marathon employees, listening to their questions, walking through tough decisions, and helping them make sense of complex benefits and retirement choices.

Locations

Employees

Key Benefits

ULTIMATE GUIDE

More About The Ultimate Guide to Retiring From Marathon Petroleum Corporation

Where can I get the book and begin reading?

Our book is primarily sold on Amazon Publishing. You get get the book here!

What topics are covered in The Ultimate Guide to Retiring From MPC book?
  • Financial Readiness
  • Thrift Plan / 401k Overview
  • Pension Benefit Election Options
  • Lump Sum Vs. Annuity
  • Health Benefits & HSAs
  • Contribution & Match Behavior
  • Distribution Timing
  • Catch-Up Contributions
  • Tax Tricks & MPC Company Stock
  • The Non-Financial Aspects of Retirement
Is this guide specifically for Marathon employees?

Yes! This book was created with Marathon employees in mind and discusses the types of benefits, timelines, and retirement questions that commonly come up at Marathon. While everyone’s situation is unique, the guide covers decisions almost all Marathon employees encounter.

Do I need to be close to retirement to start reading?

Nope! Many of our readers are within a few years of retirement, while others enjoy getting a head start and knowing what to expect as they navigate their career journey at MPC.

Why does retirement planning feel more complicated than expected?

Marathon offers extremly strong benefits and with that comes some complexity, including multiple contribution types, different “buckets,” timing rules, and tax considerations. The Ultimate Guide to Retiring From Marathon Petroleum Corporation helps explain how the pieces fit together in a simple but informative type of way.

What questions will I get answers for?
  1. How does the Thrift Plan really work, and am I getting the full company match?
  2. Should I be contributing pre-tax, Roth, or a mix of both?
  3. What are after-tax contributions, and how can I use the in-plan Roth conversion feature?
  4. How do I make sense of all the different “buckets” in my account?
  5. When can I start taking money from my pension or Thrift Plan, and what are the timing rules?
  6. Should I take my pension as a lump sum or as monthly income?
  7. How do I know if my investments are right for my stage of life and tolerance for market ups and downs?
  8. What are the risks of having too much of my retirement tied up in Marathon stock?
  9. How should I think about healthcare, HSAs, and other benefits as I approach retirement?
  10. Why do so many employees find it helpful to get guidance beyond what’s offered through HR?
How do I talk to a wealth advisor?

If you’re ready to take the next step on your retirement journey, visit hzcapital.com/start