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Specialized Tools for P&G Employees

HCM, a Cincinnati retirement planning and wealth management firm, has developed many specialized tools to help P&G employees, retirees and alumni better understand the consequences of their complicated decisions. With HCM’s in-house P&G Retirement Planning Specialist, Jim Eutsler, we have vast knowledge of P&G’s retirement plan. Jim has 15 years’ experience at P&G working primarily in finance & accounting.

We want to help you make the most of your options and avoid costly mistakes. 

HCM has developed an expertise in:

  • The PST & Savings Plan 
  • Qualified Lump Sum Distributions (QLSD)  
  • Net Unrealized Appreciation (NUA)
  • P&G stock options and restricted stock analysis

HCM has developed specialized tools to help P&G employees and retirees.

These tools help those retiring from P&G or those evaluating early separation packages to better understand the consequences of these complicated decisions.


Our goal is to help you understand your P&G retirement benefits and transition package to build the foundation for financial independence. A separation package and retirement are not necessarily mutually exclusive and you may not be ready to retire. But you still benefit from guidance to help you navigate the complexities of your P&G package to make the most of your options.