{"id":4106,"date":"2025-06-18T18:02:27","date_gmt":"2025-06-18T18:02:27","guid":{"rendered":"https:\/\/ffbenefits.ffga.com\/garland-2\/?page_id=4106"},"modified":"2026-07-08T15:45:14","modified_gmt":"2026-07-08T15:45:14","slug":"retirement-plans-2025-2026","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/garlandisd\/retirement-plans-2025-2026\/","title":{"rendered":"Retirement Plans 2025-2026"},"content":{"rendered":"<div  class='flex_column av-av_one_full-2d22dc0500e159f2b39fe7a147caf14c av_one_full  avia-builder-el-0  el_before_av_two_third  avia-builder-el-first  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mrc91a8b-1d0304c41c20ce68a06c76a8cfa28bf4\">\n#top .av-special-heading.av-mrc91a8b-1d0304c41c20ce68a06c76a8cfa28bf4{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-mrc91a8b-1d0304c41c20ce68a06c76a8cfa28bf4 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mrc91a8b-1d0304c41c20ce68a06c76a8cfa28bf4 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-mrc91a8b-1d0304c41c20ce68a06c76a8cfa28bf4 av-special-heading-h1  avia-builder-el-1  avia-builder-el-no-sibling '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Retirement Plans<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-imo7ak-149a1a178dabfd7d9241556008c3bd72\">\n.flex_column.av-imo7ak-149a1a178dabfd7d9241556008c3bd72{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-imo7ak-149a1a178dabfd7d9241556008c3bd72 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'     ><p><div  class='hr av-2ixky9-e128706fc58259376a6b1ed505235399 hr-default  avia-builder-el-3  el_before_av_textblock  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-i6lpoc-3f00d3026628f4df8e379e0b5cf0b7f4 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>VOLUNTARY RETIREMENT PLANS<\/p>\n<p>Saving additional dollars for retirement today can help bring you financial stability and security when you retire. Contributing to a 403(b), 457(b), or both, can help bridge the income gap at retirement, reduce current taxes and earn you tax-free income.<\/p>\n<p>Did you know that you have many choices when it comes to where you invest your dollars? <strong>Garland ISD does not sponsor or endorse any investment company or salesperson.<\/strong> Just because a sales person contacts you representing an investment company that is available to Garland ISD employees doesn\u2019t mean they\u2019re the best fit for you.<\/p>\n<p>Garland ISD has contracted with TCG Advisors to administer 403(b) and 457(b) plans for the district. TCG is also affiliated with Region10 Retirement Asset Management (RAMS).\u00a0\u00a0 TCG\u2019s responsibilities as third-party administrator include providing district employees with free, unbiased information about all of the retirement plan and investment options available as well as:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Retirement planning basics\n<ul>\n<li>How much money will I need to live comfortably?<\/li>\n<li>How much do I need to save to get there?<\/li>\n<li>How can I make retirement planning easier?<\/li>\n<\/ul>\n<\/li>\n<li>Features of 403(b) and 457(b) plans<\/li>\n<li>Investment options available under each plan<\/li>\n<li>Tax benefits of Traditional vs. Roth contributions<\/li>\n<li>TRS and Social Security pension benefits including the Windfall Elimination Provision<\/li>\n<li>How to enroll in a 403(b) or 457(b) and enrollment assistance<\/li>\n<li>Assistance with rollovers and distributions including signatures on paperwork<\/li>\n<li>One-on-one education and consultations<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><\/section><br \/>\n<div  class='hr av-6azc58-0b92ed4a8c1b4de663ddfa280623b471 hr-default  avia-builder-el-5  el_after_av_textblock  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><\/p>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4wpx98-093b4976d20caabbd4ea32177f9ccdf2\">\n.flex_column.av-4wpx98-093b4976d20caabbd4ea32177f9ccdf2{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-4wpx98-093b4976d20caabbd4ea32177f9ccdf2 av_one_third  avia-builder-el-6  el_after_av_two_third  avia-builder-el-last  flex_column_div av-zero-column-padding  column-top-margin'     ><p><article  class='iconbox iconbox_top av-266wcs-290d606eabd03e7e39886caa906ddf22  avia-builder-el-7  el_before_av_icon_box  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 Administrators\"><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 Administrators<\/title>\n<desc id='av-svg-desc-1'>TCG Administrators<\/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:\/\/tcgservices.com' title='TCG Administrators'  >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<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n<article  class='iconbox iconbox_top av-m01mu0a2-30aa846a343dd592d4a7c208ef3707cb  avia-builder-el-8  el_after_av_icon_box  el_before_av_textblock  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icon: Eligibility for Benefits\"><div class='iconbox_icon heading-color avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' title=\"Eligibility for Benefits\" desc=\"Eligibility for Benefits\" ><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='https:\/\/ffbenefits.ffga.com\/garlandisd\/eligibility-for-benefits\/' title='Eligibility for Benefits'  >Eligibility for Benefits<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n<section  class='av_textblock_section av-lkbmpgq1-26c29a648da429fd6075fdd137e58f21 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>For more information:<\/p>\n<ul>\n<li>Visit the <a href=\"https:\/\/tcgservices.com\/documents\/#\/search-forms\/garisd\">TCG website for Garland ISD<\/a>\u00a0 or go to the <a href=\"https:\/\/tcgservices.journey.io\/p\/c911e6\/welcome-15cda806\">TCG Administrators\/Region 10 RAMS Retirement Portal<\/a><\/li>\n<li>Contact Kevin Hull, Retirement Plan Specialist with TCG Advisors<\/li>\n<\/ul>\n<p style=\"text-align: left;\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Phone: 512-600-5364<\/p>\n<p style=\"text-align: left;\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Email: <a href=\"mailto:khull@tcgservices.com\">khull@tcgservices.com<\/a><\/p>\n<ul>\n<li>Para informaci\u00f3n en Espa\u00f1ol y un Especialista de Retiro que hable Espa\u00f1ol, visitar <a href=\"https:\/\/tcgservices.com\/espanol\">https:\/\/tcgservices.com\/espanol<\/a>.<\/li>\n<\/ul>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-lkbmqzvt-2c5beb8efe9a28fd87a2c041beda5279-wrap avia-button-center  avia-builder-el-10  el_after_av_textblock  avia-builder-el-last '><a href='https:\/\/tcgservices.com\/khull\/'  class='avia-button av-lkbmqzvt-2c5beb8efe9a28fd87a2c041beda5279 av-link-btn avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Schedule an Appointment\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue835' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Schedule an Appointment<\/span><\/a><\/div><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4106","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4106","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/comments?post=4106"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4106\/revisions"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/media?parent=4106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}