Save for tomorrow
401(a) Retirement Savings Plan
A custom plan to help you meet your financial goals.
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Improving financial health with 401(a) Plans
A 401(a) is a retirement savings plan that allows accumulation of tax-advantaged funds for retirement with contributions coming from the employer, the employee or both. For governmental plans, employees cannot contribute unless the contributions are subject to an irrevocable requirement to contribute as a condition of employment.
How do 401(a) plans work?
An employer will make contributions on the employees’ behalf to a 401(a) account established for each participating employee. The employer’s contributions to an employee’s account are based on a certain formula. This may include a match of the employee’s own contributions to the employer’s 457 or 403(b) plan, (401(k) for non-governmental employers), or in some cases, the employee’s contribution to the 401(a) plan (usually only for city and county governments if the employee contribution is mandatory).
The employer’s plan can also be established with a formula that offers employer contributions based on other criteria established by the employer within the design features available. Examples of incentive based contributions for governmental plans include longevity, attendance, performance, health/welfare goals and many others.
Retirement Plan Specialists are available to help review your options and how to maximize 401(a) plan benefits.
Our plans feature no comissions and low, transparent fees. Our goal is to help you keep more of what’s yours.
Your funds grow on a pre-tax basis and are not taxed until you withdraw at retirement.
You can appoint a beneficiary (or beneficiaries) to receive any remaining assets upon your passing.
An Investment Advisory Committee is in charge of managing plan investments, removing the need to self-manage portfolio choices.
If you decide to take a different job, you can take the plan with you as long as you have fully vested in the plan.
Learn more about your employer’s 401(a) plan
Talk to a Retirement Plan Specialist to discuss how your plan works.
Need forms or plan documents?
View important information about your plan and access key forms.
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