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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:

Establish achievable goals

Our team offers investment portfolios tailored to meet your individual needs and goals

Close your income gap

Make up for the income your government pension plan won’t cover

Access education and support

We’ll be there every step of the way to help you choose what’s best for you

Supporting you on the road to financial freedom

Concerned about retirement savings? Unsure of retirement age or pension payout? Struggling to set saving goals?

You don’t have to navigate these financial questions alone. Our team can provide you with the necessary financial tools and resources to help you answer these questions and take control of your finances.

With our assistance, you can create a personalized retirement plan that considers your unique financial situation and goals. Let us help you achieve financial stability and peace of mind.

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

Additional Resources

Retirement Guide

Take the first step towards a secure financial future by browsing through our retirement planning course.

Acccess Now ⟶

Blog

Enhance your financial literacy and stay up-to-date on the latest trends in personal finance by visiting our blog page. 

 

Read ⟶

Video Library

Access our collection of educational videos, covering everything from basic financial concepts to advanced investment strategies.

 

Watch ⟶

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!

Investment advisory services offered through TCG Advisors, an SEC registered investment advisor. Insurance Services offered through HUB International. Recordkeeper and Third Party Administrator services offered through TCG Administrators, a HUB International Company. FinPath is offered through RPW Solutions.

HUB International, owns and operates several other entities which provide various services to employers and individuals across the U.S.

This website is not authorized for use as an offer of sale or a solicitation of an offer to purchase investments. This website is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or as an offer to provide advisory or other services in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

Past performance may not be indicative of any future results. No current or prospective client should assume that the future performance of any investment or investment strategy referenced directly or indirectly in this brochure will perform in the same manner in the future. Different types of investments and investment strategies involve varying degrees of risk—all investing involves risk—and may experience positive or negative growth. Nothing in this brochure should be construed as guaranteeing any investment performance.

This website may contain forward-looking statements and projections that are based on our current beliefs and assumptions on information currently available that we believe to be reasonable; however, such statements necessarily involve risks, uncertainties, and assumptions, and prospective investors may not put undue reliance on any of these statements.