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Begin your journey to financial independence
Take control of your future with a low-fee ESC Region 13 INVESTQ Retirement Plan
Begin your journey to financial independence
Take control of your future with a low-fee ESC Region 13 INVESTQ Retirement Plan
You need an effective savings plan to help you live a comfortable financial future
While your state pension may be enough to cover your expenses when you first retire, your reduced monthly income may not be sufficient for factors like medical bills, taxes, and your desired standard of living. We help you:
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Establish achievable goals

Our investment portfolios are focused around your individual needs and goals
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Close your income gap

Make up for the income your government pension plan won’t cover
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Access education and support

We’ll be there every step of the way to help you choose what’s best for you
Financial Stress is real and we are here to fight it.
Most Americans face financial stress because they spend all their time making money and not nearly enough time managing it properly. Not knowing how to properly budget, allocate, and invest your money is a recipe for financial failure.

We’re here to help you spend less time worrying about your money so you can focus on making memories with your loved ones.

Click on a plan for enrollment instructions:
» 457(b) Retirement Savings Plan
Your employer offers the INVESTQ 457(b) plan as a way to help you save for life beyond your prime working years. A 457(b) plan allows you to save money by making salary contributions on pre-tax basis or Roth (if your plan allows). You can start, stop, increase or decrease contributions at any time.

 

Plan Highlights Include:

  • Low and transparent fees
  • No 10% early distribution penalty tax
  • No surrender charges or hidden fees
  • No product commissions
  • Start/stop contributions at any time
  • Professionally-managed portfolios
  • Fiduciary oversight by TCG Advisors

Investment Options:

  • Target Date Funds
  • Managed Portfolios
  • Self-Directed

How to Enroll:

  • Click below to get started! The process is easy and will only take you a few minutes!

Enroll

» 403(b) Retirement Savings Plan
Another option you may consider when planning for retirement is a 403(b) Savings Plan. While very similar to a 457(b) plan, there is a more involvement required on your behalf to get started. You must first establish a 403(b) account with an investment provider from a list of 50+ TRS-approved vendors, and then elect contributions on a pretax or Roth basis (if available).

 

Investment Options:

  • Investments in the plan are managed by a provider of your choosing, and plan administration services are provided by TCG Administrators. Once you have established your plan, TCG can help with distributions, transfers, loans, and rollovers. Investment questions must always be directed to your individual plan provider

How to enroll:

  • Click here to download a list of approved vendors
  • Evaluate and contact a vendor on the list and contact them directly to establish your retirement account
  • After creating your account with a vendor, click Enroll to setup your online TCG account where you can elect and modify your contributions
  • Follow each step until you get a confirmation notice… & you’re done!
» FICA Alternative Plan
If you are a part-time, seasonal, or temporary employee, you do not qualify for one of the retirement plans above. Instead, you are automatically participating in a FICA Alternative plan set up by your employer. While Social Security requires that the equivalent of 12.4% of an employee’s salary be contributed each month (6.2% employee, 6.2% employer), the FICA Alternative Plan requires only a 7.5% contribution to a retirement account. The deferrals are made on a “pretax” basis, unlike Social Security, which are made on an “after-tax” basis.

This means you are automatically contributing to a savings account instead of paying into Social Security.

 

FICA Alternative Account Investment Options:

  • FICA Diversified Portfolio—The Diversified Portfolio is comprised of a broad range of equity and bond mutual funds, as well as individual bonds typically held to maturity, and is periodically changed to adapt to changing market conditions.
  • FICA Government Income Portfolio—All investment instruments issued by and/or backed by the U.S. Government.

How to access your account:

  • Click the button below to access the login portal
  • Credentials have already been set up for you
  • User Name will be your Social Security Number (no spaces or dashes): #########
  • Password will be your date of birth (MMDDYYYY): #########

Login

Ready to get started?

There’s no time to spare when it comes to planning for your future.
Enroll in an InvestQ account today to begin your path towards financial wellness!