Part 2 of 3.  Bret Keisling is joined again by Peter Newman, founder of Peak Wealth Planning [www.peakwealthplanning.com/], for our deepest dive ever on Diversification and Distributions. ESOP plans allow participants to diversify, i.e., sell some of their shares back to the company, at various points prior to retirement.  Peter describes various considerations, include taxes and total portfolio management, that may lead a participant to diversify or not.  He also shares what participants should consider about post-employment life as they plan to use their ESOP distributions for a successful retirement.The show notes for this episode, including a helpful PDF called "The Employee Owner's Guide to Diversification and Retirement Planning," are available on our website at https://www.theesoppodcast.com/post/264-peter-newman-part-2-diversification-and-distributions-a-deep-dive