{"id":2791,"date":"2019-07-25T14:03:44","date_gmt":"2019-07-25T14:03:44","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/?page_id=2791"},"modified":"2026-05-06T15:09:48","modified_gmt":"2026-05-06T15:09:48","slug":"457b-retirement-plans","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/457b-retirement-plans\/","title":{"rendered":"457(b) Retirement Plans"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2af37b-c030e1ca2c4555d91a4ce80c67e7533b\">\n.flex_column.av-2af37b-c030e1ca2c4555d91a4ce80c67e7533b{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-2af37b-c030e1ca2c4555d91a4ce80c67e7533b av_one_full  avia-builder-el-0  el_before_av_two_third  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jyhrqpwm-48fe75bc75876f3e9684b5ce4a0486d9\">\n.avia-image-container.av-jyhrqpwm-48fe75bc75876f3e9684b5ce4a0486d9 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-jyhrqpwm-48fe75bc75876f3e9684b5ce4a0486d9 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-jyhrqpwm-48fe75bc75876f3e9684b5ce4a0486d9 av-styling- avia-align-center  avia-builder-el-1  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-2775 avia-img-lazy-loading-not-2775 avia_image ' src=\"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-content\/uploads\/sites\/2802\/2019\/07\/457b-1500x202.png\" alt='457b retirement plans' title='457b'  height=\"202\" width=\"1500\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-content\/uploads\/sites\/2802\/2019\/07\/457b.png 1500w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-content\/uploads\/sites\/2802\/2019\/07\/457b-300x40.png 300w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-content\/uploads\/sites\/2802\/2019\/07\/457b-768x103.png 768w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-content\/uploads\/sites\/2802\/2019\/07\/457b-1030x139.png 1030w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-content\/uploads\/sites\/2802\/2019\/07\/457b-705x95.png 705w, https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-content\/uploads\/sites\/2802\/2019\/07\/457b-450x61.png 450w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-65xldz-ab5d24ccc785e4e0496a3c574589bf88\">\n.flex_column.av-65xldz-ab5d24ccc785e4e0496a3c574589bf88{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-65xldz-ab5d24ccc785e4e0496a3c574589bf88 av_two_third  avia-builder-el-2  el_after_av_one_full  el_before_av_one_third  first flex_column_div av-zero-column-padding  column-top-margin'     ><section  class='av_textblock_section av-jx3muuys-b48d46802976f30a2ab505615523f86a '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>A 457(b) plan is a Tax-Deferred Retirement Plan available to employees of state and local governmental agencies, including public school employees. They are similar to 401(k) plans because they allow you to place a percentage of your salary into an employer-sponsored plan that helps you save for retirement. You will not have to pay taxes on what you contribute or earnings made until you withdraw the money.<\/p>\n<p><strong>Benefits Include:<\/strong><\/p>\n<ul>\n<li>Investment options: fixed annuities, variable annuities, or mutual funds<\/li>\n<li>Flexibility: start, stop, and adjust your contributions as allowed by your employer&#8217;s plan<\/li>\n<li>Receive periodic account statements<\/li>\n<li>No 10% federal penalty on interest or earnings for early withdrawal<\/li>\n<li>No current federal income taxes on the money you put into the plan until it is time to take withdrawals<\/li>\n<\/ul>\n<p><strong>Contribution Limits<\/strong><\/p>\n<ul>\n<li><strong>2025<\/strong>: $23,500<\/li>\n<li><strong>2026<\/strong>: $24,500<\/li>\n<li>Participants aged 50 and older at any time during the calendar year are permitted to contribute an additional $8,000.<\/li>\n<\/ul>\n<p><em>All investing involves risk. Past performance is not a guarantee of future returns.<\/em><\/p>\n<\/div><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3yyvfb-35bb2a92659c41af30d44ecd9a8df53c\">\n.flex_column.av-3yyvfb-35bb2a92659c41af30d44ecd9a8df53c{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-3yyvfb-35bb2a92659c41af30d44ecd9a8df53c av_one_third  avia-builder-el-4  el_after_av_two_third  el_before_av_heading  flex_column_div av-zero-column-padding  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bx2hqw-0556d6fed4d2ac6b0b153a70a0644b42\">\n.iconbox.av-bx2hqw-0556d6fed4d2ac6b0b153a70a0644b42 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-0556d6fed4d2ac6b0b153a70a0644b42  avia-builder-el-5  el_before_av_iconlist  avia-builder-el-first  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icon: TCG\"><div class='iconbox_icon heading-color avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='phone' data-av_iconset='svg_entypo-fontello' ><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"32\" viewBox=\"0 0 26 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\">\n<title id='av-svg-title-1'>TCG<\/title>\n<desc id='av-svg-desc-1'>TCG<\/desc>\n<path d=\"M14.752 17.92q5.184-5.184 3.776-6.592l-0.256-0.256q-0.96-0.96-1.312-1.536t-0.128-1.728 1.568-2.816q0.64-0.768 1.184-1.248t1.12-0.512 0.96-0.032 0.928 0.416 0.768 0.576 0.832 0.8 0.672 0.704q1.536 1.536-0.192 6.208t-6.528 9.408q-4.8 4.8-9.44 6.56t-6.176 0.224q-0.064-0.064-0.736-0.704t-0.8-0.8-0.576-0.768-0.416-0.992 0.064-0.96 0.48-1.12 1.216-1.184q1.344-1.088 2.24-1.504t1.728-0.064 1.12 0.576 1.248 1.184q1.408 1.408 6.656-3.84z\"><\/path>\n<\/svg><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='http:\/\/www.region10rams.org' title='TCG'  target=\"_blank\"  rel=\"noopener noreferrer\" >TCG<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p>(800) 943-9179<\/p>\n<p><a href=\"http:\/\/www.region10rams.org\" target=\"_blank\" rel=\"noopener\">www.region10rams.org<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f\">\n#top .avia-icon-list-container.av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f .iconlist_icon{\ncolor:#ffffff;\nbackground-color:#c42032;\n}\n#top .avia-icon-list-container.av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f .iconlist_icon svg:first-child{\nstroke:#ffffff;\nfill:#ffffff;\n}\n<\/style>\n<div  class='avia-icon-list-container av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f  avia-builder-el-6  el_after_av_icon_box  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f avia-iconlist-animate'>\n<li><div class='iconlist_icon av-hs9zr-96cf0df76e9f93f3bd872f987032e9ae avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue835' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: &lt;a href=&#039;https:\/\/www.omni403b.com\/plandetail\/1199?sel=True&#039; title=&#039;EMPLOYER PLAN AND PROVIDER INFORMATION&#039;&gt;EMPLOYER PLAN AND PROVIDER INFORMATION&lt;\/a&gt;\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" ><a href='https:\/\/www.omni403b.com\/plandetail\/1199?sel=True' title='EMPLOYER PLAN AND PROVIDER INFORMATION'>EMPLOYER PLAN AND PROVIDER INFORMATION<\/a><\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"\/wp-content\/uploads\/sites\/2802\/2024\/06\/2024-RAMS-Plan-Comparison-403b-vs-457b.pdf\" target=\"_blank\" rel=\"noopener\">RAMS &#8211; Plan Comparison 403(b) vs 457(b)<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/2802\/2024\/06\/2024-RAMS-457b-Plan-Overview-for-Participants.pdf\" target=\"_blank\" rel=\"noopener\">RAMS &#8211; 457(b) Plan Overview for Participants<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/2802\/2024\/06\/2024-TCG-TeleWealth-Flyer.pdf\" target=\"_blank\" rel=\"noopener\">TCG-TeleWealth Flyer<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/2802\/2026\/02\/TCG-Region-10-2026-Contribution-Limits.pdf\" target=\"_blank\" rel=\"noopener\">2026 Contribution Limits<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-42c6xj-43597b3ec2f3e3cc8c7e6869f3cf0d84 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue84c' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: 457(b) Enrollment and Online Forms\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >457(b) Enrollment and Online Forms<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"https:\/\/www.region10rams.org\/enroll\/#\/search-enroll\" target=\"_blank\" rel=\"noopener\">Enroll Online 457(b)<\/a><\/p>\n<p><a href=\"https:\/\/www.region10rams.org\/documents\/#\/search-forms\/eaglemountain-saginawisd\/457b-RAMS\/spd\" target=\"_blank\" rel=\"noopener\">Online Forms Directory<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-31tw47-0585f74f60540db1e0a581fddf5c8082\">\n#top .av-special-heading.av-31tw47-0585f74f60540db1e0a581fddf5c8082{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-31tw47-0585f74f60540db1e0a581fddf5c8082 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-31tw47-0585f74f60540db1e0a581fddf5c8082 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-31tw47-0585f74f60540db1e0a581fddf5c8082 av-special-heading-h3  avia-builder-el-7  el_after_av_one_third  el_before_av_video  av-linked-heading'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >457(b) PLAN VIDEO<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/p>\n<div  class='avia-video av-jv8ozkwj-554a9f3f1f5846095632a8ed723d4cd8 avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/ftfr1ow26g'><script src=\"https:\/\/fast.wistia.com\/embed\/ftfr1ow26g.js\" async type=\"module\"><\/script><script src=\"https:\/\/fast.wistia.com\/player.js\" async><\/script><style>\n  wistia-player[media-id='ftfr1ow26g']:not(:defined) {\n    background: center \/ contain no-repeat\n      url('https:\/\/fast.wistia.com\/embed\/medias\/ftfr1ow26g\/swatch');\n    display: block;\n    filter: blur(5px);\n    padding-top: 56.25%;\n  }\n<\/style><wistia-player media-id=\"ftfr1ow26g\"><\/wistia-player><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":10,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2791","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-json\/wp\/v2\/pages\/2791","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-json\/wp\/v2\/comments?post=2791"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-json\/wp\/v2\/pages\/2791\/revisions"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/eaglemountainsaginawisd-2\/wp-json\/wp\/v2\/media?parent=2791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}