Payroll contributions
Contribute automatically from each paycheck, subject to your employer’s plan rules and applicable IRS limits.
403(B) RETIREMENT PLANS
Make the most of the retirement plan available through your workplace.
A 403(b) is a tax-advantaged retirement plan generally available to employees of public schools, certain nonprofit organizations, and some ministers. Retirement Specialists can help you understand how your plan works and how it may fit your broader retirement strategy.
403(B) RETIREMENT PLANS
Build retirement savings through your employer-sponsored plan.
A 403(b) may allow eligible employees to contribute through payroll deductions. Depending on the plan, contributions may be made on a pre-tax basis, through a designated Roth option, or both. Investment choices, fees, employer contributions, and withdrawal rules vary by plan.
Tax treatment
Traditional contributions may reduce current taxable income, while a designated Roth option—when offered—uses after-tax contributions.
Employer features
Some plans offer employer contributions, matching, loans, or other features. Availability and terms are determined by the plan.
Retirement coordination
Review your 403(b) alongside pensions, Social Security, IRAs, insurance, and other retirement resources.
QUESTIONS WORTH ASKING
Review the details before moving forward.
✓Does your employer make matching or other contributions?
✓Does the plan offer both traditional and Roth contributions?
✓What investments and fees are available?
✓How does the plan coordinate with your pension?
✓What withdrawal, rollover, and loan rules apply?
✓Are you contributing enough to support your retirement goal?
START WITH A CONVERSATION
Bring your questions. Leave with greater clarity.
Schedule a complimentary, no-pressure conversation about your goals and options.