What PulteGroup Employees Need to Consider Before Making the Leap to Retire Abroad

Healthcare Provider Update: Healthcare Provider for PulteGroup PulteGroup's healthcare benefits for employees are often structured through the PulteGroup 401(k) Savings Plan in conjunction with various health insurance plans, where specific healthcare providers can vary by region. As of 2025, PulteGroup employees typically access health coverage via national insurers which can include UnitedHealthcare, Anthem, and others that offer both group and individual market plans under the Affordable Care Act (ACA). Potential Healthcare Cost Increases in 2026 In 2026, PulteGroup employees may face significant increases in health insurance costs as the ACA marketplace braces for premium hikes that could exceed 60% in certain states. This surge is influenced by the potential expiration of enhanced federal premium subsidies, prompting a drastic rise in out-of-pocket expenses for nearly 92% of policyholders. Furthermore, rising healthcare costs, particularly for medical services and prescription drugs, are likely to exacerbate financial burdens on individuals and families in 2026. As these challenges loom, careful review of health plan options will be essential for employees seeking to mitigate the impact of escalating healthcare expenses., 'sources': [], 'images': [] Click here to learn more

For example, PulteGroup employees planning on moving overseas need to have a clear plan of action to overcome the challenges of acquiring residency and citizenship in another country,' according to Brent Wolf from The Retirement Group at Wealth Enhancement Group.

Kevin Landis of The Retirement Group, a division of Wealth Enhancement Group, explains why detailed planning is crucial for PulteGroup employees who intend to retire abroad. However,

In this article we will discuss:

1. The complexity of obtaining residency or citizenship abroad: Discussing the legal, financial, and cultural issues that are involved in moving overseas for PulteGroup employees.

2. The necessity of professional advice and planning: Emphasizing the importance of thorough preparation and professional advice to ensure a smooth transition to retiring abroad.

3. Tax advantages and financial planning for retirees: Explaining the possible tax advantages that are available through international treaties and the strategic financial planning that needs to be done for the retirement savings of PulteGroup employees.

Simply for political, economic, and social reasons, many PulteGroup employees are looking to secure citizenship or residency in other countries if the United States is not as attractive as it once was. But, getting residency in another country and, perhaps, citizenship is not as simple as just buying a plane ticket and setting an itinerary.

This is because there are many processes that may take a few years to accomplish at times. The more people who are considering these options, the more difficult these choices become. It is therefore crucial to identify the legal, financial, and cultural implications that arise in order to ensure a smooth transition to a new home overseas before embarking on this journey.

Without a proper plan and some professional advice, it can be quite a challenge to switch gears and retire during your tenure at PulteGroup.

The impact of potential tax advantages when retiring abroad will definitely affect your financial position. Many countries, including the United States, have tax treaties that prevent income from being taxed twice. For instance, pensioners are attracted to Portugal by the Non-Habitual Resident (NHR) regime that offers special tax concessions for up to 10 years.

You can enhance your retirement benefits by taking advantage of these perks and seeking the advice of a tax specialist. The IRS notes that because these treaties can be very different it is important to research and seek the advice of a professional (IRS, 2023). These advantages must be used by PulteGroup employees to enhance their retirement.

Expatriating and retiring is a process of planning a long and beautiful road trip. Just as you would not travel without a map, a well-maintained car, and knowledge of your location, PulteGroup employees who are retiring abroad need to plan carefully.

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Step by step, you will be guided on how to make your transition to your new home easier, from explaining cultural differences and tax benefits to helping you understand the legal and financial environment. Just as a road trip opens new views and experiences, retirement abroad presents a world of possibilities for a happy and comfortable retirement.

Sources:

1. The Warren Street Wealth Advisors Team. 'PulteGroup and Large Company Employees.' Warren Street Wealth Advisors, 3 Feb. 2025, Accessed from warrenstreetwealth.com.

2. 'US Taxes for Americans Retiring Abroad in 2025.' MyExpatTaxes, 20 Nov. 2024, Accessed 3 Feb. 2025 from myexpattaxes.com.

3. Toms, Mary, CPA, MBA, MS. 'US Tax Implications of Retiring Abroad: What You Need to Know.' PBMares, 10 Dec. 2024, Accessed 3 Feb. 2025 from pbmares.com.

4. 'Financial Planning for US Expatriates.' The Expat Financial, Accessed 3 Feb. 2025 from expatfinancial.com.

5. 'Retiring Overseas: What You Need to Know About Your US Taxes and Financial Planning.' Expat CPA, Accessed 3 Feb. 2025 from expatcpa.com.

   What is the PulteGroup 401(k) Savings Plan?

   The PulteGroup 401(k) Savings Plan is a retirement savings plan that allows employees to save a portion of their salary on a tax-deferred basis.

   How can I enroll in the PulteGroup 401(k) Savings Plan?

   Employees can enroll in the PulteGroup 401(k) Savings Plan through the company’s benefits portal or by contacting the HR department for assistance.

   What is the employer match for the PulteGroup 401(k) Savings Plan?

   PulteGroup offers a matching contribution to the 401(k) Savings Plan, which typically matches a percentage of employee contributions up to a certain limit.

   At what age can I start contributing to the PulteGroup 401(k) Savings Plan?

   Employees can start contributing to the PulteGroup 401(k) Savings Plan as soon as they meet the eligibility requirements, usually upon hire.

   How much can I contribute to the PulteGroup 401(k) Savings Plan each year?

   The contribution limits for the PulteGroup 401(k) Savings Plan are in line with IRS guidelines, which may change annually. Employees should check the latest limits for the current year.

   Does PulteGroup offer any investment options within the 401(k) Savings Plan?

   Yes, the PulteGroup 401(k) Savings Plan offers a variety of investment options, including mutual funds and target-date funds, to help employees grow their savings.

   Can I take a loan from my PulteGroup 401(k) Savings Plan?

   Yes, PulteGroup allows employees to take loans from their 401(k) Savings Plan, subject to certain terms and conditions.

   What happens to my PulteGroup 401(k) Savings Plan if I leave the company?

   If you leave PulteGroup, you have several options for your 401(k) Savings Plan, including rolling it over to an IRA or another employer's plan, or cashing it out (though this may incur taxes and penalties).

   How often can I change my contributions to the PulteGroup 401(k) Savings Plan?

   Employees can typically change their contribution amounts to the PulteGroup 401(k) Savings Plan at any time, subject to the plan's specific rules.

   Are there any fees associated with the PulteGroup 401(k) Savings Plan?

   Yes, like most 401(k) plans, the PulteGroup 401(k) Savings Plan may have administrative fees and investment-related fees. Employees should review the plan documents for details.

   With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
   401(k) plan through Fidelity with company match, discretionary profit sharing.
   PulteGroup grants RSUs to its executives and eligible employees. RSUs vest over multiple years, aligning employee incentives with long-term company success.