Investment Management Services
Boston Scientific employees
what you have
Boston Scientific provides a range of retirement, stock, and health-related benefits. We help you understand how each benefit fits with your taxes, investments, and long-term goals, then coordinate the choices within one financial strategy.
Your contribution rate, the available company match, and the way your savings are invested all influence what the plan may provide over time. We help you evaluate the choices available through the Boston Scientific retirement plan and coordinate them with your cash flow, taxes, outside investments, and retirement goals.
Company stock held in a workplace retirement plan can add to the exposure you already have through your salary, benefits, stock awards, and employee stock purchases. We review that position alongside the rest of your Boston Scientific equity and help determine how it fits within a diversified investment strategy.
Boston Scientific employees may have the opportunity to purchase company shares through payroll deductions. We help you decide whether to participate, how much to contribute, and whether shares should be sold or held after purchase, taking taxes, liquidity needs, and your total exposure to Boston Scientific into account.
Stock-based compensation can create taxable income as awards vest and may leave unvested value at risk during a job change. We organize your award and vesting information, plan for the related taxes, and help you determine how the shares should be managed as part of your broader financial plan.
Eligible leaders may have additional choices for deferring incentive compensation. We help evaluate whether deferral supports your current and future tax picture, how an election affects liquidity, and how the timing of eventual distributions fits with retirement or another career transition.
If you are eligible to contribute to a health savings account, it can support current medical expenses or become part of a longer-term healthcare and retirement strategy. We help determine how contributions, withdrawals, and investment choices should fit with your cash flow and other savings priorities.
acquisitions and predecessor employers
For employees who joined Boston Scientific through an acquisition, part of the financial picture may still be governed by a predecessor employer’s retirement plan, equity program, or benefit arrangement. Those assets may follow different terms, timelines, and decision points than the benefits available today.
We help you understand what is governed by which arrangement, identify elections or deadlines that deserve attention, and coordinate current and legacy benefits within one financial plan.
what people ask us
Here is what we look at to find yours.
Your contribution rate should reflect both the opportunities available through the Boston Scientific plan and the rest of your financial priorities. We help you choose a level that makes effective use of available employer contributions while preserving enough cash flow for emergency reserves, debt repayment, equity purchases, and other goals. As your compensation and priorities change, the strategy should change with them.
Pre-tax contributions lower your taxable income today, while Roth contributions can provide tax-free income in retirement. The decision involves more than comparing tax rates. Equity income, Social Security, required withdrawals, and other sources all affect your future tax picture. Using both may give you more flexibility to manage taxable income later. See how the contribution types compare in our Boston Scientific benefits guide.
How your retirement account is invested is a choice often made with little thought, yet over time it can substantially affect when you retire and the lifestyle your savings can support. We help you evaluate the plan’s investment options alongside your other investments, time horizon, risk tolerance, and exposure to Boston Scientific stock. The goal is an allocation that supports your broader retirement strategy. Our guide walks through the plan’s investment lineup in detail.
Participating in your company’s stock purchase plan involves looking beyond the immediate benefit of the discount. While the plan offers a clear advantage, it helps to look at the choice in light of your overall financial situation and objectives. We can review your total picture, balancing your routine plan purchases alongside your vested shares, unvested equity, and retirement accounts, to help ensure your decisions support your broader wealth goals.
There is no single percentage that fits every situation. We look at your total exposure: vested shares, unvested awards, ESPP holdings, and any company stock inside your retirement accounts. We weigh that against the taxes a sale would trigger, any trading restrictions you are subject to, and how a significant drop in the stock would affect the rest of your plan. Read more on evaluating concentration in Boston Scientific stock.
Possibly. Balances from a prior employer’s plan are merged in, but the terms attached to some items carry over rather than converting, and awards granted before the acquisition may follow their original agreements. We read what you hold, then decide what to consolidate, what to leave alone, and what needs attention before a deadline passes.
We evaluate your retirement accounts, equity awards, Social Security, other assets, expected expenses, taxes, healthcare costs before Medicare, and retirement goals. We then test your plan against different market conditions and life expectancies to determine a realistic retirement date and identify the changes that could help you retire sooner.
how we work
A personalized process designed to answer your questions, clarify your choices, and integrate your Boston Scientific benefits into your broader financial life.
We evaluate each option within the context of your financial situation, explain the tradeoffs, and organize your decisions by timing and importance.
Start with the questions on your mind. We will take it from there.
We connect them with every part of your financial life, with one team coordinating the decisions that affect one another.
Your contribution strategy, the treatment of your equity awards, Social Security, healthcare before Medicare, and the income your savings will need to provide throughout retirement.
Your workplace accounts, company stock, and outside investments coordinated as one portfolio, aligned with your goals, retirement timeline, and risk tolerance.
How contributions, vesting events, share purchases, withdrawals, and other income sources can be coordinated to manage taxes now and in retirement.
Whether your life and disability coverage are sufficient to protect your income, your family, and your financial plan.
Beneficiary designations, wills, trusts, powers of attorney, healthcare directives, and guardianship provisions coordinated to carry out your wishes and protect the people you care about.
Financial guidance through a change in role or employer, a reorganization, a move to part-time work, retirement, divorce, an inheritance, caregiving responsibilities, and other major life events.
before you get in touch
We work with Boston Scientific employees at every stage of their careers, from those beginning to build savings to those preparing for retirement.
The earlier you begin, the more opportunity you have to strengthen your financial future. Decisions about contribution rates, Roth versus pre-tax savings, investment selection, share purchases, and what to do at each vesting date can have a significant long-term impact.
Meet with us remotely or in person, either at our Westborough office or wherever you feel most comfortable.
Perspectives
Guidance on integrating your benefits with your broader financial life.
What this guide covers The equity side of the Boston Scientific compensation package, as the plan documents describe it: RSUs, DSUs, and PSUs: what each award type means…
What this guide covers A practical walk-through of the parts of Boston Scientific’s compensation package that most affect long-term wealth: The 401(k) match and its unusual two-tier structure…
Start with whatever matters most to you, whether that is your retirement date, your equity awards, the stock purchase plan, your contribution strategy, or debt. We will help you understand how each decision fits into your broader financial plan.
Finivi Inc. is not affiliated with, endorsed by, or sponsored by Boston Scientific Corporation or any affiliated entity. This employer is named here only to identify groups of employees the firm serves. References to benefit provisions come from publicly available employer and plan materials, including documents filed with the Securities and Exchange Commission, current as of July 2026, and are included for identification and educational purposes. This material is educational and is not personalized investment, tax, accounting, or legal advice, and it is not a recommendation to buy or sell any security or to adopt any particular strategy. Everyone’s situation is different. Benefits vary by employing entity, hire date, and location, and are subject to change. Plans described here have been amended over time and may be amended again. If anything here conflicts with a plan document or grant agreement, those documents govern. Check the details against your own plan documents before acting, and talk to a qualified tax advisor or attorney about your specific situation. Finivi is not a law firm or an accounting firm and does not provide legal or tax advice. Investing involves risk, including the possible loss of principal. Registration with the Securities and Exchange Commission does not imply any particular level of skill or training. Advisory services offered through Finivi Inc., an SEC Registered Investment Advisor.