{"id":3702,"date":"2018-05-19T03:00:38","date_gmt":"2018-05-19T03:00:38","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/lancasterisd\/tcg-retirement-plans\/"},"modified":"2026-02-11T22:10:28","modified_gmt":"2026-02-11T22:10:28","slug":"tcg-retirement-plans","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/lancasterisd\/tcg-retirement-plans\/","title":{"rendered":"TCG Retirement Plans"},"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{\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-d9c25db5e1fa8f740c25478568afa682\">\n.avia-image-container.av-dkkjz0-d9c25db5e1fa8f740c25478568afa682 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-dkkjz0-d9c25db5e1fa8f740c25478568afa682 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-dkkjz0-d9c25db5e1fa8f740c25478568afa682 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\" fetchpriority=\"high\" class='wp-image-2122 avia-img-lazy-loading-not-2122 avia_image ' src=\"\/wp-content\/uploads\/sites\/146\/2019\/05\/VolRetirementPlans-1030x139.png\" alt='Voluntary Retirement Plans' title='VolRetirementPlans'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/146\/2019\/05\/VolRetirementPlans-1030x139.png 1030w, \/wp-content\/uploads\/sites\/146\/2019\/05\/VolRetirementPlans-300x41.png 300w, \/wp-content\/uploads\/sites\/146\/2019\/05\/VolRetirementPlans-768x104.png 768w, \/wp-content\/uploads\/sites\/146\/2019\/05\/VolRetirementPlans-1500x203.png 1500w, \/wp-content\/uploads\/sites\/146\/2019\/05\/VolRetirementPlans-705x95.png 705w, \/wp-content\/uploads\/sites\/146\/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{\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 '><section class='av_tab_section av_tab_section av-dvfn0-f300472c74b17dcdb422be916c5d91d5'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-1-tab' class='tab active_tab' role='tab' aria-selected=\"true\" tabindex=\"0\" data-fake-id='#tab-id-1' aria-controls='tab-id-1-content'  itemprop=\"headline\" >457(b) Retirement Plan<\/div><div id='tab-id-1-content' class='tab_content active_tab_content' role='tabpanel' aria-labelledby='tab-id-1-tab' aria-hidden=\"false\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p>The 457 plan is a district-sponsored voluntary retirement savings plan that allows an employee to save money for retirement on a tax-deferred basis. Your district has chosen to offer the TCG 457 Plan which has low-cost investment options. The TCG 457 Plan has investment options that do not contain any surrender charges or penalties upon distribution. Remember that all investing involves risk.<\/p>\n<p>The plan contains most of the same features of the 403(b) plan, but is different in one unique way. Distributions from the 457 Deferred Compensation Plan are not subject to the 10% 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>In addition to pre-tax deferrals on your 457 plan\u00a0you <strong>may now elect Roth deferrals<\/strong>, which are made on an after-tax basis. Roth deferrals\u00a0<em><strong>and associated earnings\u00a0<\/strong><\/em>can be withdrawn tax-free in retirement if the requirements for a &#8220;qualified distribution&#8221; are met.<\/p>\n<p>See a Benefits Advisor for more information, or call TCG Administrators at (800) 943-9179, or log onto the <a href=\"http:\/\/www.tcgservices.com\" target=\"_blank\" rel=\"noopener noreferrer\">www.tcgservices.com<\/a> to enroll in the TCG 457 Plan. Enroll on the benefit website at open enrollment or at <a href=\"http:\/\/www.tcgservices.com\" target=\"_blank\" rel=\"noopener noreferrer\">www.tcgservices.com<\/a> all year, login and select your employer, register using plan password as gccisd, and follow through the steps and information to enroll in your investment and salary reduction.<\/p>\n<h6>\u00a0<\/h6>\n<h6>\u00a0<\/h6>\n<p><a href=\"\/wp-content\/uploads\/sites\/36\/2019\/06\/GM2-RAMS-457b-Portfolio-Summary-5_20163.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">RAMS 457 Portfolio Summary<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/36\/2019\/06\/RAMS-Region-10-457-May-2017-brochure-GM1-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">RAMS Region 10 457 Brochure<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/36\/2022\/01\/2022-TCG-HUB-RAMS-457b-Plan-Overview-for-Participants.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">TCG HUB RAMS &#8211; 457(b) Plan Overview for Participants<\/a><\/p>\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{\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  el_before_av_hr  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-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 Administrators\"><div class='iconbox_icon heading-color avia-iconfont avia-font-entypo-fontello' data-av_icon='' data-av_iconfont='entypo-fontello' title=\"TCG Administrators\" desc=\"TCG Administrators\" ><\/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 noreferrer\">www.tcgservices.com<\/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-jv9m4793-99a383823ad31739fb1ad03a98668832\">\n#top .avia-icon-list-container.av-jv9m4793-99a383823ad31739fb1ad03a98668832 .iconlist_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<div  class='avia-icon-list-container av-jv9m4793-99a383823ad31739fb1ad03a98668832  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-jv9m4793-99a383823ad31739fb1ad03a98668832 avia-iconlist-animate'><li><div class='iconlist_icon av-37v0xp-02b63d2d3b29e79925575a00188a3a70 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue81f' 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: Plan Information\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Plan Information<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"\/wp-content\/uploads\/sites\/146\/2023\/05\/RAMS-RetirementSavingsGuide-January2023GM1.pdf\" target=\"_blank\" rel=\"noopener\">RAMS Retirement Savings Guide<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/146\/2023\/05\/RAMS-457bPlanOverviewforParticipants-January2023GM1.pdf\" target=\"_blank\" rel=\"noopener\">RAMS 457(b) Plan Overview<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/146\/2023\/05\/RAMS-457b-Account-Holder-Perks-GM2-1.pdf\" target=\"_blank\" rel=\"noopener\">RAMS 457(b) Account Holder Perks <\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div><\/p>\n<div  class='hr av-56qff0-0fd5263c018e271e46fed380111c01a3 hr-default  avia-builder-el-7  el_after_av_one_third  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/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-3702","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/lancasterisd\/wp-json\/wp\/v2\/pages\/3702","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/lancasterisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/lancasterisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/lancasterisd\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/lancasterisd\/wp-json\/wp\/v2\/comments?post=3702"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/lancasterisd\/wp-json\/wp\/v2\/pages\/3702\/revisions"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/lancasterisd\/wp-json\/wp\/v2\/media?parent=3702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}