{"id":4607,"date":"2026-06-23T22:18:21","date_gmt":"2026-06-23T22:18:21","guid":{"rendered":"https:\/\/ffbenefits.ffga.com\/garland-2\/?page_id=4607"},"modified":"2026-09-30T20:50:58","modified_gmt":"2026-09-30T20:50:58","slug":"retirement-plans-2026-2027","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/garlandisd\/2026-2027-plan-year\/retirement-plans-2026-2027\/","title":{"rendered":"Retirement Plans 2026-2027"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mu5pewt4-d1f283325f1e99157688c5e93e363737\">\n.avia-section.av-mu5pewt4-d1f283325f1e99157688c5e93e363737{\nbackground-color:#9f2943;\nbackground-image:unset;\n}\n.avia-section.av-mu5pewt4-d1f283325f1e99157688c5e93e363737 .av-extra-border-element .av-extra-border-inner{\nbackground-color:#9f2943;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-mu5pewt4-d1f283325f1e99157688c5e93e363737 main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_two_third  avia-builder-el-first  avia-bg-style-scroll av-arrow-down-section container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4607'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mrbhsov2-6b8331e952c29bb88ba76452edfd9e64\">\n#top .av-special-heading.av-mrbhsov2-6b8331e952c29bb88ba76452edfd9e64{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-mrbhsov2-6b8331e952c29bb88ba76452edfd9e64 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mrbhsov2-6b8331e952c29bb88ba76452edfd9e64 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-mrbhsov2-6b8331e952c29bb88ba76452edfd9e64 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-mrbhsov2-6b8331e952c29bb88ba76452edfd9e64 av-special-heading-h1 custom-color-heading  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>\n<\/div><\/div><\/main><!-- close content main element --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'><\/div><\/div><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4607'><div class='entry-content-wrapper clearfix'>\n\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_section  el_before_av_one_third  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><section  class='av_textblock_section av-i6lpoc-81f1750f855e7a04cb478b93750d78e2 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>VOLUNTARY RETIREMENT PLANS<\/h2>\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><\/div>\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-4  el_after_av_two_third  el_before_av_section  avia-builder-el-last  flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6wgi0f-0908325465d6d4a7b02100389c258be8\">\n.av_font_icon.av-6wgi0f-0908325465d6d4a7b02100389c258be8{\ncolor:#9f2943;\nborder-color:#9f2943;\n}\n.avia-svg-icon.av-6wgi0f-0908325465d6d4a7b02100389c258be8 svg:first-child{\nstroke:#9f2943;\nfill:#9f2943;\n}\n.av_font_icon.av-6wgi0f-0908325465d6d4a7b02100389c258be8 .av-icon-char{\nfont-size:25px;\nwidth:25px;\n}\n<\/style>\n<span  class='av_font_icon av-6wgi0f-0908325465d6d4a7b02100389c258be8 avia_animate_when_visible av-icon-style-border avia-icon-pos-center avia-svg-icon avia-font-svg_entypo-fontello avia-icon-animate'><span class='av-icon-char' 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\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>Phone<\/title>\n<desc id='av-svg-desc-1'>Phone<\/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><\/span><\/span><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-muoiukyg-b971cfdd50dbabaafdca66c23d0f89b1\">\n#top .hr.hr-invisible.av-muoiukyg-b971cfdd50dbabaafdca66c23d0f89b1{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-muoiukyg-b971cfdd50dbabaafdca66c23d0f89b1 hr-invisible  avia-builder-el-6  el_after_av_font_icon  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-muoiuxd3-f510fa7dedb68d286a5dd162b6972add '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3 style=\"text-align: center;\">TCG Administrators<\/h3>\n<p style=\"text-align: center;\">To enroll or make changes to your 403(b) or 457(b) call<\/p>\n<p style=\"text-align: center;\"><strong>800-943-9179<\/strong><\/p>\n<p style=\"text-align: center;\">or visit<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/region10rams.org\/\" target=\"_blank\" rel=\"noopener\">region10rams.org<\/a><\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-muoiwklw-20be4ab840038dbd03a4ebac979c89da\">\n#top .hr.hr-invisible.av-muoiwklw-20be4ab840038dbd03a4ebac979c89da{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-muoiwklw-20be4ab840038dbd03a4ebac979c89da hr-invisible  avia-builder-el-8  el_after_av_textblock  el_before_av_font_icon '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-muoiubg4-b1b3d5bf4230458635724a0e2ba250da\">\n.av_font_icon.av-muoiubg4-b1b3d5bf4230458635724a0e2ba250da{\ncolor:#9f2943;\nborder-color:#9f2943;\n}\n.avia-svg-icon.av-muoiubg4-b1b3d5bf4230458635724a0e2ba250da svg:first-child{\nstroke:#9f2943;\nfill:#9f2943;\n}\n.av_font_icon.av-muoiubg4-b1b3d5bf4230458635724a0e2ba250da .av-icon-char{\nfont-size:25px;\nwidth:25px;\n}\n<\/style>\n<span  class='av_font_icon av-muoiubg4-b1b3d5bf4230458635724a0e2ba250da avia_animate_when_visible av-icon-style-border avia-icon-pos-center avia-svg-icon avia-font-svg_entypo-fontello avia-icon-animate'><span class='av-icon-char' data-av_svg_icon='info' data-av_iconset='svg_entypo-fontello' ><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-2'>Info<\/title>\n<desc id='av-svg-desc-2'>Info<\/desc>\n<path d=\"M11.264 0q1.536 0 2.368 0.864t0.832 2.208q0 1.6-1.248 2.816t-3.040 1.216q-1.536 0-2.368-0.832t-0.768-2.304q0-1.472 1.12-2.72t3.104-1.248zM4.672 32q-3.2 0-1.728-5.696l1.92-8.128q0.448-1.792 0-1.792-0.384 0-1.728 0.576t-2.304 1.216l-0.832-1.408q2.88-2.496 6.048-4.032t4.832-1.536q2.496 0 1.152 5.184l-2.24 8.512q-0.512 2.048 0.192 2.048 1.408 0 3.776-1.92l0.96 1.28q-2.688 2.752-5.6 4.224t-4.448 1.472z\"><\/path>\n<\/svg><\/span><\/span><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5yt2wf-774401a2ee08cf49947b90bf48c4fcf0\">\n#top .hr.hr-invisible.av-5yt2wf-774401a2ee08cf49947b90bf48c4fcf0{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-5yt2wf-774401a2ee08cf49947b90bf48c4fcf0 hr-invisible  avia-builder-el-10  el_after_av_font_icon  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-lkbmpgq1-95e87dfb98049dafb383c0234b2752f5 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><strong>For more information:<\/strong><\/p>\n<ul>\n<li>Visit the <a href=\"https:\/\/tcgservices.com\/documents\/#\/search-forms\/garisd\" target=\"_blank\" rel=\"noopener\">TCG website for Garland ISD<\/a>\u00a0 or go to the <a href=\"https:\/\/tcgservices.journey.io\/p\/c911e6\/welcome-15cda806\" target=\"_blank\" rel=\"noopener\">TCG Administrators\/Region 10 RAMS Retirement Portal<\/a><\/li>\n<li>Para informaci\u00f3n en Espa\u00f1ol y un Especialista de Retiro que hable Espa\u00f1ol, visitar <a href=\"https:\/\/tcgservices.com\/espanol\" target=\"_blank\" rel=\"noopener\">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-12  el_after_av_textblock 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avia-section-default avia-no-border-styling  avia-builder-el-13  el_after_av_one_third  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4607'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-gbl8v-cf466747cfac733f29d9863c257ca2d3 av_one_half  avia-builder-el-14  el_before_av_one_half  avia-builder-el-first  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-muoiy9kz-295a8c44dfa500409af4a38c762f6acc\">\n#top .av-special-heading.av-muoiy9kz-295a8c44dfa500409af4a38c762f6acc{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-muoiy9kz-295a8c44dfa500409af4a38c762f6acc .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-muoiy9kz-295a8c44dfa500409af4a38c762f6acc .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-muoiy9kz-295a8c44dfa500409af4a38c762f6acc av-special-heading-h3  avia-builder-el-15  el_before_av_codeblock  avia-builder-el-first '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >403(b) Plan &#8211; Video<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<\/p><\/div><div  class='flex_column av-1wyy9r-2b4a204fdf669ab162dd2047505ebfa4 av_one_half  avia-builder-el-17  el_after_av_one_half  avia-builder-el-last  flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-muoixnfi-ee167f8f268592301b4ee3e341121bdd\">\n#top .av-special-heading.av-muoixnfi-ee167f8f268592301b4ee3e341121bdd{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-muoixnfi-ee167f8f268592301b4ee3e341121bdd .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-muoixnfi-ee167f8f268592301b4ee3e341121bdd .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-muoixnfi-ee167f8f268592301b4ee3e341121bdd av-special-heading-h3  avia-builder-el-18  el_before_av_codeblock  avia-builder-el-first '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >457(b) Plan &#8211; Video<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<\/p><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_2'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4607'><div class='entry-content-wrapper clearfix'><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":4589,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4607","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4607","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/comments?post=4607"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4607\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4589"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/media?parent=4607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}