{"id":1612,"date":"2018-05-19T03:00:38","date_gmt":"2018-05-19T03:00:38","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/harmonypublicschools\/?page_id=1612"},"modified":"2026-02-27T21:18:00","modified_gmt":"2026-02-27T21:18:00","slug":"retirement-plans-tcg","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/harmonypublicschools\/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-dkkjz0-204fb33fc94c33579ee2452e87680b67\">\n.avia-image-container.av-dkkjz0-204fb33fc94c33579ee2452e87680b67 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-dkkjz0-204fb33fc94c33579ee2452e87680b67 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-dkkjz0-204fb33fc94c33579ee2452e87680b67 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\/631\/2019\/05\/VolRetirementPlans-1030x139.png\" alt='Voluntary Retirement Plans' title='VolRetirementPlans'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/631\/2019\/05\/VolRetirementPlans-1030x139.png 1030w, \/wp-content\/uploads\/sites\/631\/2019\/05\/VolRetirementPlans-300x41.png 300w, \/wp-content\/uploads\/sites\/631\/2019\/05\/VolRetirementPlans-768x104.png 768w, \/wp-content\/uploads\/sites\/631\/2019\/05\/VolRetirementPlans-1500x203.png 1500w, \/wp-content\/uploads\/sites\/631\/2019\/05\/VolRetirementPlans-705x95.png 705w, \/wp-content\/uploads\/sites\/631\/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-28l1z0-0ebb720302340d5ded0ce5a1fcc465e5'  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 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, your 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<div  class='avia-button-wrap av-4dbm4s-7f2e7c246c38d790ddd014ef79d6ea19-wrap avia-button-center  avia-builder-el-4  el_before_av_button  avia-builder-el-first '><a href='https:\/\/player.vimeo.com\/video\/735863887' class='avia-button av-4dbm4s-7f2e7c246c38d790ddd014ef79d6ea19 avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color' target=\"_blank\" rel=\"noopener noreferrer\"><span class='avia_button_icon avia_button_icon_left' aria-hidden='true' data-av_icon='\ue897' data-av_iconfont='entypo-fontello'><\/span><span class='avia_iconbox_title' >403(b) Video<\/span><\/a><\/div>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-4ylfks-4654c25780757272d00c8ebe96e3a475'  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<div  class='avia-button-wrap av-2qp9ws-fe0b532a88edb6a515474089dffe8968-wrap avia-button-center  avia-builder-el-5  el_after_av_button  avia-builder-el-last '><a href='https:\/\/player.vimeo.com\/video\/735862036' class='avia-button av-2qp9ws-fe0b532a88edb6a515474089dffe8968 avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color' target=\"_blank\" rel=\"noopener noreferrer\"><span class='avia_button_icon avia_button_icon_left' aria-hidden='true' data-av_icon='\ue897' data-av_iconfont='entypo-fontello'><\/span><span class='avia_iconbox_title' >457(b) Video<\/span><\/a><\/div>\n<h6><\/h6>\n<p style=\"text-align: left\">\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-2s3n6k-2aba34010b9b72fc3b5795ee0aedbc3b'  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) Retirement Plan<\/div><div id='tab-id-3-content' class='tab_content' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p><strong>HARMONY PS PROVIDES AN EXTRA INCENTIVE TO SAVE AND STAY WITH THE SCHOOL!<\/strong><\/p>\n<p><strong>401(a) INCENTIVE MATCH PLAN <\/strong><\/p>\n<p><strong>RAMS Teacher\/Employee Recruitment and Retention Plan<\/strong><\/p>\n<p>A 401(a) plan is an employer-sponsored retirement plan\u00a0that allows dollar or percentage-based contributions from the employer, the employee, or both.\u00a0Harmony Public Schools has created this incentive match plan to help you help build your retirement savings by rewarding your \u201cSteps\u201d as an employee. Matching contributions are determined by a fixed formula. <strong><u>Beginning in February 2021, all Exempt (salaried teachers, professionals and administrators) employees will receive a 100% match of deferrals to the 403(b) and\/or 457(b) Plan up to a cap based on the Step you are currently on<em>.<\/em><\/u><\/strong> The cap is as follows: Steps 0-1: $250.00; Steps 2-5: $500.00; Steps 6-10: $1,000.00; Steps 11-15: $1,250.00; Steps 16+: $1,500.00. You will vest in your account (the percentage of employer contributions you own) as you stay with Harmony longer. Vesting begins from your original hire date. Vesting starts at 0% the first 2 years, goes to 50% in year 3, 75% in year 4 and 100% at the end of 5 years of employment. Enrollment is automatic if you are contributing to the 403(b) or 457 Plan. To access your account, visit www.region10rams.org and click Login. More details about the plan are in the Summary Plan Description on the TCG website.<\/p>\n<h6><\/h6>\n<p style=\"text-align: left\">\n<\/div><\/div><\/section>\n<\/div><\/div>\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-6  el_after_av_two_third  avia-builder-el-last  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-2r24vg-07c103732ead7a99d61768e1552ffb08\">\n.iconbox.av-2r24vg-07c103732ead7a99d61768e1552ffb08 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-2r24vg-07c103732ead7a99d61768e1552ffb08  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\"><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'  >TCG Administrators<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p>(800) 943-9179<\/p>\n<p><a href=\"https:\/\/tcgservices.com\/harmonytx\/\" target=\"_blank\" rel=\"noopener\">tcgservices.com\/harmonytx<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n<article  class='iconbox iconbox_top av-kkr1gw5y-6b46f85fa3f9923abb9fd683c7211fe7  avia-builder-el-8  el_after_av_icon_box  avia-builder-el-last  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='\ue81f' data-av_iconfont='entypo-fontello'><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" >Plan Information<\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p><a href=\"\/wp-content\/uploads\/sites\/631\/2023\/03\/TCG-2023-Retirement-Information.pdf\">TCG Retirement Savings Guide 2023<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/631\/2023\/05\/TeleWealth-Assistance-Retirement-Planning.pdf\">TeleWealth Assistance &#8211; Retirement Planning<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/p><\/div><\/p>\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\/harmonypublicschools\/wp-json\/wp\/v2\/pages\/1612","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/harmonypublicschools\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/harmonypublicschools\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/harmonypublicschools\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/harmonypublicschools\/wp-json\/wp\/v2\/comments?post=1612"}],"version-history":[{"count":43,"href":"https:\/\/ffbenefits.ffga.com\/harmonypublicschools\/wp-json\/wp\/v2\/pages\/1612\/revisions"}],"predecessor-version":[{"id":4367,"href":"https:\/\/ffbenefits.ffga.com\/harmonypublicschools\/wp-json\/wp\/v2\/pages\/1612\/revisions\/4367"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/harmonypublicschools\/wp-json\/wp\/v2\/media?parent=1612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}