You'll make these decisions once. You'll live with them for 30 years.

The Retirement Guide for
Ford, GM & Stellantis Retirees

You'll make these decisions once. You'll live with them for 30 years.

Read the Free 2026 Guide

Free to read. No email. No phone number.

Autoworker's Guide to Retirement - 2026 Edition

4.7

“A must read for anyone considering taking a lump sum.”

Everything you need to know about your pension, 401(k), Social Security, and taxes — before you sign anything.

Get the Guide »

Everything you need to know about your pension, 401(k), Social Security, and taxes — before you sign anything.

4.7

“A must read for anyone considering taking a lump sum.”

Read the Free 2026 Guide

Free to read. No email. No phone number.

As Seen In

Fiduciary Advisors

CFP® & CFA Professionals

25+ Years with Big Three Retirees

Big Three News

WSJStellantis and China's Leapmotor Deepen Ties to Drive Europe...May 14 WSJGM Raises Adjusted Profit Guidance on Lower Tariff CostsMay 14 WSJAuto Industry Faces Aluminum Price Surge and Supply Challeng...May 14 WSJFord EV Electric Truck Strategy Shifts Amid Market ChangesMay 14 WSJFord and Geely in China Technology Partnership TalksMay 14 YahooFord Launches Energy Subsidiary to Build Charging NetworkMay 13 CNBCGM Layoffs: AI-Driven Changes and Severance DetailsMay 12 ReutersGM's Restart Date for Ohio Battery Plant UncertainMay 12 ReutersStellantis CEO: Partnerships Will Be Part of Future StrategyMay 12 Det. FPGeneral Motors Layoffs: May 2026 Job Cuts AnnouncedMay 11 Det. NewsDetroit Icons Ford and Carhartt Collaborate on 2027 Super Du...May 7 Barron'sFord, Tesla, and the Future of Electric VehiclesMay 1 Det. NewsStellantis Reports First Quarter Profitability, Shares FallApr 30 WSJStellantis and China's Leapmotor Deepen Ties to Drive Europe...May 14 WSJGM Raises Adjusted Profit Guidance on Lower Tariff CostsMay 14 WSJAuto Industry Faces Aluminum Price Surge and Supply Challeng...May 14 WSJFord EV Electric Truck Strategy Shifts Amid Market ChangesMay 14 WSJFord and Geely in China Technology Partnership TalksMay 14 YahooFord Launches Energy Subsidiary to Build Charging NetworkMay 13 CNBCGM Layoffs: AI-Driven Changes and Severance DetailsMay 12 ReutersGM's Restart Date for Ohio Battery Plant UncertainMay 12 ReutersStellantis CEO: Partnerships Will Be Part of Future StrategyMay 12 Det. FPGeneral Motors Layoffs: May 2026 Job Cuts AnnouncedMay 11 Det. NewsDetroit Icons Ford and Carhartt Collaborate on 2027 Super Du...May 7 Barron'sFord, Tesla, and the Future of Electric VehiclesMay 1 Det. NewsStellantis Reports First Quarter Profitability, Shares FallApr 30

WSJStellantis and China's Leapmotor Deepen Ties to Drive Europe...WSJGM Raises Adjusted Profit Guidance on Lower Tariff Costs WSJAuto Industry Faces Aluminum Price Surge and Supply Challeng...WSJFord EV Electric Truck Strategy Shifts Amid Market Changes WSJFord and Geely in China Technology Partnership Talks YahooFord Launches Energy Subsidiary to Build Charging Network CNBCGM Layoffs: AI-Driven Changes and Severance Details ReutersGM's Restart Date for Ohio Battery Plant Uncertain ReutersStellantis CEO: Partnerships Will Be Part of Future Strategy Det. FPGeneral Motors Layoffs: May 2026 Job Cuts Announced Det. NewsDetroit Icons Ford and Carhartt Collaborate on 2027 Super Du...Barron'sFord, Tesla, and the Future of Electric Vehicles Det. NewsStellantis Reports First Quarter Profitability, Shares Fall WSJStellantis and China's Leapmotor Deepen Ties to Drive Europe...WSJGM Raises Adjusted Profit Guidance on Lower Tariff Costs WSJAuto Industry Faces Aluminum Price Surge and Supply Challeng...WSJFord EV Electric Truck Strategy Shifts Amid Market Changes WSJFord and Geely in China Technology Partnership Talks YahooFord Launches Energy Subsidiary to Build Charging Network CNBCGM Layoffs: AI-Driven Changes and Severance Details ReutersGM's Restart Date for Ohio Battery Plant Uncertain ReutersStellantis CEO: Partnerships Will Be Part of Future Strategy Det. FPGeneral Motors Layoffs: May 2026 Job Cuts Announced Det. NewsDetroit Icons Ford and Carhartt Collaborate on 2027 Super Du...Barron'sFord, Tesla, and the Future of Electric Vehicles Det. NewsStellantis Reports First Quarter Profitability, Shares Fall

Watch the 15-Min Tour→

Decisions We Help Big Three Retirees With

Retiring from a major automaker comes with a unique set of choices. Get them right, and you can retire with confidence. Get them wrong, and the cost can follow you for decades.

Pension: Lump Sum or Annuity?

-CHAPTER 2-Why Offer a Lump Sum?

How Rates Impact Your Lump Sum Pension vs. Lump Sum: Which is Better?

Your 401(k) Strategy

Optimize Your Ford 401(k) (SSIP)→Optimize Your GM 401(k) (RSP / PSP)→Optimize Your Stellantis 401(k)→Retiring Before 59½? Read this First→What To Do With Your 401(k) at Retirement→

Tax Efficiency

Strategic tax planning can save you tens of thousands over retirement. From Roth conversions to distribution sequencing.

Learning to Love the Roth Conversion Watch: Tax Strategies for Retirees

Social Security Timing

Coordinating Social Security with your pension and personal savings can mean tens of thousands more in lifetime benefits.

-CHAPTER 9-When to File for Social Security

Watch: SS Changes for 2026 SS Breakeven Calculator

Transition from Healthcare to Medicare

If you retire before 65, you'll need a plan for healthcare coverage. If you retire at 65 or later, you can move straight onto Medicare. Either way, this requires careful planning.

Understanding the IRMAA Surcharge Navigate Your Medicare Options

Retiring with Purpose

Retirement isn't just about money — it's about purpose, health, and enjoying the life you've worked so hard to build. We help you plan for all of it.

-COMPLETE GUIDE-The Fulfillment Factor

Watch: Keys to a Fulfilling Retirement

Your Path to Clarity

Our Retirement Roadmap Process

A straightforward process designed to help you make confident retirement decisions

STEP 01

Read the Book

Written specifically for Big Three Retirees.

Read it, skim it, or listen to it. Move at your own pace and reach out for Step 2 whenever you're ready.

STEP 02

Discovery Call

A 15 to 30-minute conversation.

A chance for us to get to know each other. We'll learn your situation and decide if a Retirement Roadmap makes sense. If not, we'll point you in the right direction.

Schedule Call

STEP 03

The Analysis

We do the work. You do nothing.

A side-by-side breakdown of your pension options — modeled, stress-tested, and projected through age 95. This is where 25+ years of Big Three experience does the heavy lifting.

STEP 04

Your Roadmap

A written plan. Customized to you.

Year-by-year income plan, investment and tax strategy, and a 30/60/90-day action checklist. No pressure. No sales pitch.

What Our Clients Say

Real stories from retirees...

“Experience with the automotive industry was a reason why I recommend your firm to a coworker. My expectations were exceeded when RW Paul made the retirement process much easier than expected. The staff at RW Paul make me feel important and valued.”

Ray C

Client

“We were seeking a financial planner, who acts as a fiduciary, to work with as we moved into retirement. The advisors that we have worked with have been very knowledgeable. They listened to our desires and concerns, reviewed our financial situation and developed a workable plan that allowed us to retire.”

Raymond Z

Client

“Steve, Matt and Matt have been so helpful and helped put our minds at ease. Personal attention and the sense that you have our best interests in mind.”

Dr. and Mrs. Kenneth K

Clients

“Extremely caring and concerned about my needs and finding a way to meet those. Just an outstanding group of people who are well-trained and most of all listen to their clients. You will find no one better for protecting your income for retirement.”

J T S

Client

“Levelheaded, listen well, articulate, realistic, and knowledgeable. I've worked with both Steve Paul and Matt Dombrowski. Both are very capable and both are very helpful in giving guidance to our overall plan. RWP has created a very solid financial plan that we are extremely confident in.”

KJH

Client

“I love working with Matt. He is always nice. Goes out of his way. I know about saving but nothing about investing. I don't worry because I have trust with him and the organization. I don't feel like a number. It's about customer service and trust and you guys have that.”

Tracy F

Client

“Both Richard and Matthew Paul have been very professional in overseeing our account. We have recommended your organization to others because you listened to us and provided a conservative program for our retirement savings. You have been a blessing.”

Marty & Judy S

Clients

“Easy to work with, helpful, and knowledgeable. I feel like I'm working with people I can trust. All of Richard Paul's associates are reliable people who seem to genuinely want to help.”

Laura R

Client

Ray C

Client

Raymond Z

Client

“Steve, Matt and Matt have been so helpful and helped put our minds at ease. Personal attention and the sense that you have our best interests in mind.”

Dr. and Mrs. Kenneth K

Clients

J T S

Client

KJH

Client

Tracy F

Client

Marty & Judy S

Clients

“Easy to work with, helpful, and knowledgeable. I feel like I'm working with people I can trust. All of Richard Paul's associates are reliable people who seem to genuinely want to help.”

Laura R

Client

Ray C

Client

Raymond Z

Client

“Steve, Matt and Matt have been so helpful and helped put our minds at ease. Personal attention and the sense that you have our best interests in mind.”

Dr. and Mrs. Kenneth K

Clients

J T S

Client

KJH

Client

Tracy F

Client

Marty & Judy S

Clients

“Easy to work with, helpful, and knowledgeable. I feel like I'm working with people I can trust. All of Richard Paul's associates are reliable people who seem to genuinely want to help.”

Laura R

Client

Ray C

Client

Raymond Z

Client

“Steve, Matt and Matt have been so helpful and helped put our minds at ease. Personal attention and the sense that you have our best interests in mind.”

Dr. and Mrs. Kenneth K

Clients

J T S

Client

KJH

Client

Tracy F

Client

Marty & Judy S

Clients

“Easy to work with, helpful, and knowledgeable. I feel like I'm working with people I can trust. All of Richard Paul's associates are reliable people who seem to genuinely want to help.”

Laura R

Client