{"id":1612,"date":"2018-05-19T03:00:38","date_gmt":"2018-05-19T03:00:38","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/ennisisd\/?page_id=1612"},"modified":"2026-01-28T22:05:55","modified_gmt":"2026-01-28T22:05:55","slug":"retirement-plans-tcg","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/ennisisd\/retirement-plans-tcg\/","title":{"rendered":"Retirement Plans &#8211; TCG"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-gh0ews-45486ee6d25fe1fe88e5d5149465ddf6\">\n.flex_column.av-gh0ews-45486ee6d25fe1fe88e5d5149465ddf6{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-gh0ews-45486ee6d25fe1fe88e5d5149465ddf6 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-dkkjz0-d33b61e915f9e6911fe814428eb3b9d6\">\n.avia-image-container.av-dkkjz0-d33b61e915f9e6911fe814428eb3b9d6 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-dkkjz0-d33b61e915f9e6911fe814428eb3b9d6 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-dkkjz0-d33b61e915f9e6911fe814428eb3b9d6 av-styling- avia_animated_image av-animated-when-visible-95 right-to-left 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\" class='wp-image-2122 avia-img-lazy-loading-not-2122 avia_image ' src=\"\/wp-content\/uploads\/sites\/77\/2019\/05\/VolRetirementPlans-1030x139.png\" alt='Voluntary Retirement Plans' title='VolRetirementPlans'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/77\/2019\/05\/VolRetirementPlans-1030x139.png 1030w, \/wp-content\/uploads\/sites\/77\/2019\/05\/VolRetirementPlans-300x41.png 300w, \/wp-content\/uploads\/sites\/77\/2019\/05\/VolRetirementPlans-768x104.png 768w, \/wp-content\/uploads\/sites\/77\/2019\/05\/VolRetirementPlans-1500x203.png 1500w, \/wp-content\/uploads\/sites\/77\/2019\/05\/VolRetirementPlans-705x95.png 705w, \/wp-content\/uploads\/sites\/77\/2019\/05\/VolRetirementPlans-450x61.png 450w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bvi4gc-a53c90690598d36be2a64adf9b2c18c6\">\n.flex_column.av-bvi4gc-a53c90690598d36be2a64adf9b2c18c6{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-bvi4gc-a53c90690598d36be2a64adf9b2c18c6 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'     ><div  class='tabcontainer av-bkmj8c-4cd9062e639433b8ffd5279ebb01f99a top_tab  avia-builder-el-3  avia-builder-el-no-sibling ' role='tablist'>\n<section class='av_tab_section av_tab_section av-4vj9j0-2c76143ab54c61460673c313900d65d1'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='tab active_tab' role='tab' tabindex='0' data-fake-id='#tab-id-1' aria-controls='tab-id-1-content'  itemprop=\"headline\" >403(b) Retirement Plan<\/div><div id='tab-id-1-content' class='tab_content active_tab_content' aria-hidden=\"false\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p>Research shows that people are Americans are living well past retirement years. Are you saving enough to be able to enjoy those years? A 403(b) plan can help you get there.<\/p>\n<p>It\u2019s an IRS-approved retirement plan that allows you to set aside money on an after-tax basis for your retirement. Contributions are conveniently made through payroll deduction, so money is moved from your paycheck into the account automatically. Plus, you employer may even match your contributions based on how much you put into the plan. Now is the time to take full advantage of this opportunity to maximize your retirement savings!<\/p>\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 $8,000.<\/li>\n<\/ul>\n<p><strong>403(b) Retirement Savings Plan &#8211; Similar to a 457(b) plan, you can contribute to a<br \/>\n403(b) savings plan through payroll deductions. If you choose to save with 403(b) plans,<br \/>\nTo establish a 403(b) account, you must first select an investment provider from a list of<br \/>\napproved vendors, and then elect contributions on a pre-tax or Roth basis. Once you<br \/>\nhave established your plan, TCG Administrators can help with distributions, transfers,<br \/>\nloans, and rollovers.<\/strong><\/p>\n<p><strong><br \/>\nGet started at<\/strong> <a href=\"https:\/\/urldefense.com\/v3\/__http:\/www.region10rams.org\/403b__;!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOX_RFZtV0$\" target=\"_blank\" rel=\"noopener\">www.region10rams.org\/403b<\/a><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/region10rams.org\/retirement-savings-guide\/__;!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOX9l29hSs$\" target=\"_blank\" rel=\"noopener\">Retirement Savings Guide<\/a><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/tcgservices.com\/documents\/*\/search-forms\/ennisd\/Texas\/approved-vendor__;Iw!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOXJYyIStA$\" target=\"_blank\" rel=\"noopener\">403b TX Vendors List<\/a><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/region10rams.org\/public\/403b-plan-sheet\/__;!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOXL-SM1MQ$\" target=\"_blank\" rel=\"noopener\">RAMS 403b Retirement Plan Brochure<\/a><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/region10rams.org\/public\/403b-plan-*20spanish__;JQ!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOXwyLxL1U$\" target=\"_blank\" rel=\"noopener\">RAMS 403b Retirement Plan Brochure &#8211; Spanish<\/a><\/p>\n<p>TASBO 403(b) Investment Provider Guide: <a href=\"https:\/\/urldefense.com\/v3\/__https:\/www.tasbo.org\/news\/403b-txed-guide__;!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOXRAMjWvo$\" target=\"_blank\" rel=\"noopener\">www.tasbo.org\/news\/403b-txed-guide<\/a><\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-2sdi4c-e912c022fb41b092fe794900687df43c'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='tab' role='tab' tabindex='0' data-fake-id='#tab-id-2' aria-controls='tab-id-2-content'  itemprop=\"headline\" >457(b) Retirement Plan<\/div><div id='tab-id-2-content' class='tab_content' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p>The 457(b) plan is an employer-sponsored voluntary retirement savings plan that allows you to save money for retirement on a tax-deferred basis.\u00a0The plan contains most of the same features of the 403(b) plan, but is different in one unique way. Distributions from a 457(b) Deferred Compensation Plan are not subject to the 10 percent excise tax for early withdrawal.<\/p>\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><strong>457(b) Retirement Savings Plan &#8211; Contributing regularly to a 457(b) can give you the<br \/>\npower and confidence to retire with more in your pocket to cover housing, health care,<br \/>\nvacations, bills, and other expenses upon retirement. You can start by contributing $25<br \/>\nper paycheck and see your savings grow over time. If you leave a job or retire before<br \/>\nage 59\u00bd and need to withdraw your retirement funds from a 457(b), you won&#8217;t pay a<br \/>\n10% tax penalty (only ordinary income tax).<br \/>\nParticipating in this district-sponsored 457(b) plan grants you additional special perks,<br \/>\nincluding free access to a financial wellness program, a complimentary creation of a<br \/>\npersonal will, and free tax preparation services.<\/strong><\/p>\n<p>Get started at <a href=\"https:\/\/urldefense.com\/v3\/__http:\/www.region10rams.org\/457__;!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOXJ-QwSYw$\" target=\"_blank\" rel=\"noopener\">www.region10rams.org\/457<\/a><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/region10rams.org\/retirement-savings-guide\/__;!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOX9l29hSs$\" target=\"_blank\" rel=\"noopener\">Retirement Savings Guide<\/a><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/region10rams.org\/public\/457b-plan-sheet__;!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOX8uHEm0E$\" target=\"_blank\" rel=\"noopener\">457(b) Savings Plan Overview<\/a><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/region10rams.org\/public\/457b-plan-*20spanish__;JQ!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOX3gbo7XE$\" target=\"_blank\" rel=\"noopener\">457(b) Savings Plan Overview &#8211; Spanish<\/a><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/region10rams.org\/457b-enrollment-guide__;!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOXBcy54KY$\" target=\"_blank\" rel=\"noopener\">457(b) Plan Enrollment Instructions<\/a><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/region10rams.org\/documents__;!!A8fipfCF_kbM7aav!Ci4TpEmftCv9eK4xzASIWbXEr0yaxkuglxXPtuv3vZvTuqNqBwmjD6q6ntXNPz_HbpQeIySyrI9LquOXexLtIJc$\" target=\"_blank\" rel=\"noopener\">457(b) Summary Plan Description and Forms<\/a><\/p>\n<h6><\/h6>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-b8hfg-565d3357917254a8dae958db711b4b10'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='tab' role='tab' tabindex='0' data-fake-id='#tab-id-3' aria-controls='tab-id-3-content'  itemprop=\"headline\" >401(a) TERRP<\/div><div id='tab-id-3-content' class='tab_content' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p>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. Employers may match a fixed percentage of employee contributions or contribute without a required employee contribution. Since this plan type is often used as an incentive, vesting schedules for funds are often associated with it.<\/p>\n<p><strong>Eligible employees:<\/strong><\/p>\n<p><strong>Employees who contribute to a 403(b) plan or a 457(b) plan with Ennis ISD<\/strong><\/p>\n<p><strong>Here&#8217;s the link for the summary plan description:<\/strong><\/p>\n<p><strong><a href=\"https:\/\/urldefense.proofpoint.com\/v2\/url?u=https-3A__tcg-2Ddoclib.s3.amazonaws.com_tcgdoclib_prod_docs_Ennis-5FISD-2520TERRP-2520Summary-2520Plan-2520Description-2520-2D-2520revised-25202016-5F20160617-5F223228.pdf&amp;d=DwMFaQ&amp;c=dhDJc4qz1nBg1X_FlQsBYTA5Bs4LlEh70jOebecaCck&amp;r=4Q7Xcgh_LBsvRtaH_m6XQvBSGXSt5HIGmrCDo9OvGGU&amp;m=NcWBcyBInTZs9fLf023l3Mr6gc30YwRNczlnaRTOp0E&amp;s=QMOUhNDRPIZa8ErT0DwuHv-5U5saknGlo3_K3E2iKRE&amp;e=\">401(a) TERRP Summary Plan Description Ennis ISD<\/a><\/strong><\/p>\n<\/div><\/div><\/section>\n<\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3o2u30-07621c8c9607fa127bebd6765d26e3f0\">\n.flex_column.av-3o2u30-07621c8c9607fa127bebd6765d26e3f0{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-3o2u30-07621c8c9607fa127bebd6765d26e3f0 av_one_third  avia-builder-el-4  el_after_av_two_third  avia-builder-el-last  flex_column_div av-zero-column-padding column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2r24vg-9fcc44b589123825604f5efb0956886c\">\n.iconbox.av-2r24vg-9fcc44b589123825604f5efb0956886c .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-2r24vg-9fcc44b589123825604f5efb0956886c  avia-builder-el-5  avia-builder-el-no-sibling  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue854' data-av_iconfont='entypo-fontello'><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='http:\/\/tcgservices.com' title='TCG Administrators' target=\"_blank\" rel=\"noopener noreferrer\">TCG Administrators<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p>(800) 943-9179<\/p>\n<p><a href=\"http:\/\/www.tcgservices.com\" target=\"_blank\" rel=\"noopener\">www.tcgservices.com<\/a><\/p>\n<p><strong>TCG Advisors, LP<\/strong><br \/>\nsubsidiary of TCG Group Holdings, LP<\/p>\n<p>900 S. Capital of Texas Highway, Suite 350 |\u00a0Austin, Texas\u00a0 78746<br \/>\n<strong>Phone:<\/strong>\u00a0 (817) 909-5652<\/p>\n<p><strong>Fax:<\/strong> (888) 989-9247<\/p>\n<p><strong>Financial Wellness<\/strong><\/p>\n<p><a href=\"https:\/\/finpathwellness.com\/\" target=\"_blank\" rel=\"noopener\">FINANCIAL WELLNESS BEGINS HERE<\/a><\/p>\n<p>To schedule\u00a0and appointment with a TCG Advisor, click here:<\/p>\n<p><a href=\"https:\/\/tcgservices.com\/sechart\/\" target=\"_blank\" rel=\"noopener\">SHERRY ECHART<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1612","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/ennisisd\/wp-json\/wp\/v2\/pages\/1612","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/ennisisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/ennisisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/ennisisd\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/ennisisd\/wp-json\/wp\/v2\/comments?post=1612"}],"version-history":[{"count":47,"href":"https:\/\/ffbenefits.ffga.com\/ennisisd\/wp-json\/wp\/v2\/pages\/1612\/revisions"}],"predecessor-version":[{"id":4195,"href":"https:\/\/ffbenefits.ffga.com\/ennisisd\/wp-json\/wp\/v2\/pages\/1612\/revisions\/4195"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/ennisisd\/wp-json\/wp\/v2\/media?parent=1612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}