FAQ

If you have a question that isn’t a most frequently asked question, chat with us live, call or email us.

What is a 401(k)

It is an investment platform designed as a program that can only be turned on by a company. Originally designed to help people save for retirement. Now trends show that people are more and more understanding that it is a wealth growth tool.
I've never logged in before. Now what?

You’re doing it! Head over to Client Resources and select “New Member” and follow the prompts.

New Member
Can I invest in stocks?

Check your plan document for “self-directed: permitted.” Permitted means you can! Contact us to enable this capability (its a really easy digital process).

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What is a Roth 401(k)

Roth 401(k) contributions are post-tax and earnings grow tax free. The account needs to be open for 5 years to enjoy those tax free earnings, so start your ROTH as soon as you can to at least burn the clock.

Deferral or Contribution refers to the deposits into your account directly from your paycheck. They are excludable from the employee’s gross income unless it is a Roth contribution.
Roth 401(k) contributions are post-tax and earnings grow tax free. The account needs to be open for 5 years to enjoy those tax free earnings, so start your ROTH as soon as you can to at least burn the clock.
The top difference between traditional and Roth 401(k) is traditional 401(k)s are pre-tax deductions from your paycheck (lowering your taxable income) while Roth 401(k) contributions are post-tax. Read more

To change the contribution amount that is taken directly from your paycheck, login to your account and follow these instructions.
To change the investment funds where your money will be invested going forward, log in to your account and follow these instructions. You can choose to apply the change to your existing balances (AKA realign) or leave the current balances in those funds.

What is a 401(k)