{"id":3366,"date":"2018-05-19T03:00:38","date_gmt":"2018-05-19T03:00:38","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/victoriaisd-2\/retirement-plans-tcg\/"},"modified":"2025-06-06T16:25:09","modified_gmt":"2025-06-06T16:25:09","slug":"retirement-plans-tcg","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/victoriaisd-2\/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{\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\" fetchpriority=\"high\" class='wp-image-2122 avia-img-lazy-loading-not-2122 avia_image ' src=\"\/wp-content\/uploads\/sites\/2454\/2019\/05\/VolRetirementPlans-1030x139.png\" alt='Voluntary Retirement Plans' title='VolRetirementPlans'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/2454\/2019\/05\/VolRetirementPlans-1030x139.png 1030w, \/wp-content\/uploads\/sites\/2454\/2019\/05\/VolRetirementPlans-300x41.png 300w, \/wp-content\/uploads\/sites\/2454\/2019\/05\/VolRetirementPlans-768x104.png 768w, \/wp-content\/uploads\/sites\/2454\/2019\/05\/VolRetirementPlans-1500x203.png 1500w, \/wp-content\/uploads\/sites\/2454\/2019\/05\/VolRetirementPlans-705x95.png 705w, \/wp-content\/uploads\/sites\/2454\/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 '>\n<section class='av_tab_section av_tab_section av-3jac0m-01c2f9bc3177922201c412825b221d3b'  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\" >403(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>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. 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>2024<\/strong>:\u00a0$23,000<\/li>\n<li><strong>2025<\/strong>: $23,500<\/li>\n<li>Participants aged 50 and older at any time during the calendar year are permitted to contribute an additional $7,500.<\/li>\n<\/ul>\n<p><em>All investing involves risk. Past performance is not a guarantee of future returns.<\/em> <a href=\"\/wp-content\/uploads\/sites\/77\/2019\/12\/403b-Plan-Enrollment-Instructions-May-2019-GM2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">403b Plan Enrollment Instructions<\/a> <a href=\"\/wp-content\/uploads\/sites\/77\/2019\/12\/RAMS-403b-Retirement-Plan-Brochure-2019-GM4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">RAMS 403b Retirement Plan Brochure<\/a> <a href=\"\/wp-content\/uploads\/sites\/77\/2019\/12\/RAMS-403b-Retirement-Plan-Brochure-SPANISH-2019-GM3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">RAMS 403b Retirement Plan Brochure SPANISH<\/a> <a href=\"\/wp-content\/uploads\/sites\/77\/2019\/12\/403b-Vendors-TX-list-1120173.pd_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">403b Vendors TX List<\/a><\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-6qhg6-cbd3927da94e7a2b10370eab5588f51f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-2-tab' class='tab' role='tab' aria-selected=\"false\" 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' role='tabpanel' aria-labelledby='tab-id-2-tab' 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>2024<\/strong>:\u00a0$23,000<\/li>\n<li><strong>2025<\/strong>: $23,500<\/li>\n<li>Participants aged 50 and older at any time during the calendar year are permitted to contribute an additional $7,500.<\/li>\n<\/ul>\n<p><em>All investing involves risk. Past performance is not a guarantee of future returns.<\/em><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/77\/2022\/05\/TCG-HUB-RAMS-2022-Retirement-Savings-Guide.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">TCG-HUB-RAMS-2022-Retirement Savings Guide<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/77\/2022\/05\/TCG-Region-10-RAMS-457-Performance-Sheet.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">TCG-Region 10 RAMS 457 Performance Sheet<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/77\/2019\/12\/RAMS-457-Retirement-Plan-Brochure-2019-GM3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">RAMS 457 Retirement Plan Brochure<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/77\/2019\/12\/RAMS-457-Retirement-Plan-Brochure-SPANISH-2019-GM3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">RAMS 457 Retirement Plan Brochure-SPANISH<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/77\/2019\/12\/457b-Plan-Enrollment-Instructions-May-2019-GM2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">457b Plan Enrollment Instructions <\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/77\/2019\/12\/Pretax-vs.-Roth-457b-Contributions-2019-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Pretax vs. Roth 457b Contributions<\/a><\/p>\n<h6><\/h6>\n<p style=\"text-align: left;\">\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-b8hfg-565d3357917254a8dae958db711b4b10'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-3-tab' class='tab' role='tab' aria-selected=\"false\" 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' role='tabpanel' aria-labelledby='tab-id-3-tab' 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&#038;d=DwMFaQ&#038;c=dhDJc4qz1nBg1X_FlQsBYTA5Bs4LlEh70jOebecaCck&#038;r=4Q7Xcgh_LBsvRtaH_m6XQvBSGXSt5HIGmrCDo9OvGGU&#038;m=NcWBcyBInTZs9fLf023l3Mr6gc30YwRNczlnaRTOp0E&#038;s=QMOUhNDRPIZa8ErT0DwuHv-5U5saknGlo3_K3E2iKRE&#038;e=\">401(a) TERRP Summary Plan Description Ennis ISD<\/a><\/strong><\/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  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-d36cf5083cf98fbb5c7bb8e6c1da0864\">\n.iconbox.av-2r24vg-d36cf5083cf98fbb5c7bb8e6c1da0864 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-2r24vg-d36cf5083cf98fbb5c7bb8e6c1da0864  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\" 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'  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 noreferrer\">www.tcgservices.com<\/a><\/p>\n<p class=\"xmsonormal\"><b><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif;color: black\">TCG Advisors, LP<\/span><\/b><br \/>\n<i><span style=\"font-size: 7.5pt;font-family: 'Georgia',serif;color: black\">subsidiary of TCG Group Holdings, LP<\/span><\/i><\/p>\n<p><a href=\"https:\/\/urldefense.proofpoint.com\/v2\/url?u=https-3A__www.google.com_maps_search_900-2BS.-2BCapital-2Bof-2BTexas-2BHighway-2C-2BSuite-2B350-2B-257C-2BAustin-2C-2BTexas-2B78746-3Fentry-3Dgmail-26source-3Dg&#038;d=DwMFaQ&#038;c=dhDJc4qz1nBg1X_FlQsBYTA5Bs4LlEh70jOebecaCck&#038;r=4Q7Xcgh_LBsvRtaH_m6XQvBSGXSt5HIGmrCDo9OvGGU&#038;m=0rEL2BeQN6n-cqizt-Rf6DV-VXLudmosJP6uBbEr0tM&#038;s=AvSTljnNsl-KDrSMqDfGHyAuP5KIPkAgDsuCyPg1BTE&#038;e=\"><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif\">900 S. Capital of Texas Highway, Suite 350 |<\/span><\/a><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif;color: black\">\u00a0<\/span><a href=\"https:\/\/urldefense.proofpoint.com\/v2\/url?u=https-3A__www.google.com_maps_search_900-2BS.-2BCapital-2Bof-2BTexas-2BHighway-2C-2BSuite-2B350-2B-257C-2BAustin-2C-2BTexas-2B78746-3Fentry-3Dgmail-26source-3Dg&#038;d=DwMFaQ&#038;c=dhDJc4qz1nBg1X_FlQsBYTA5Bs4LlEh70jOebecaCck&#038;r=4Q7Xcgh_LBsvRtaH_m6XQvBSGXSt5HIGmrCDo9OvGGU&#038;m=0rEL2BeQN6n-cqizt-Rf6DV-VXLudmosJP6uBbEr0tM&#038;s=AvSTljnNsl-KDrSMqDfGHyAuP5KIPkAgDsuCyPg1BTE&#038;e=\"><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif\">Austin, Texas<\/span><\/a><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif;color: black\">\u00a0 <\/span><a href=\"https:\/\/urldefense.proofpoint.com\/v2\/url?u=https-3A__www.google.com_maps_search_900-2BS.-2BCapital-2Bof-2BTexas-2BHighway-2C-2BSuite-2B350-2B-257C-2BAustin-2C-2BTexas-2B78746-3Fentry-3Dgmail-26source-3Dg&#038;d=DwMFaQ&#038;c=dhDJc4qz1nBg1X_FlQsBYTA5Bs4LlEh70jOebecaCck&#038;r=4Q7Xcgh_LBsvRtaH_m6XQvBSGXSt5HIGmrCDo9OvGGU&#038;m=0rEL2BeQN6n-cqizt-Rf6DV-VXLudmosJP6uBbEr0tM&#038;s=AvSTljnNsl-KDrSMqDfGHyAuP5KIPkAgDsuCyPg1BTE&#038;e=\"><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif\">78746<\/span><\/a><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif;color: #222222\"><br \/>\n<\/span><b><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif;color: black\">Cell:<\/span><\/b><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif;color: black\">\u00a0 817-909-5652\u00a0 <\/span><b><span style=\"font-size: 10.0pt;font-family: 'Arial',sans-serif;color: #222222\">Fax<\/span><\/b><span style=\"font-size: 10.0pt;font-family: 'Arial',sans-serif;color: #222222\">:\u00a0<\/span><a href=\"tel:888.989.9247\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-size: 10.0pt;font-family: 'Arial',sans-serif;color: #1155cc\">888.989.9247<\/span><\/a><\/p>\n<p class=\"xmsonormal\"><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif;color: black\">Website: <\/span><a href=\"https:\/\/urldefense.proofpoint.com\/v2\/url?u=http-3A__www.tcgservices.com_&#038;d=DwMFaQ&#038;c=dhDJc4qz1nBg1X_FlQsBYTA5Bs4LlEh70jOebecaCck&#038;r=4Q7Xcgh_LBsvRtaH_m6XQvBSGXSt5HIGmrCDo9OvGGU&#038;m=HZ24303gr0pIzdk-AvpWqjQ7okuvPN4Qhc58AXb8SDE&#038;s=lrjhahspUlJFjNZUIYHGAO8jbxBpj7R0XJLmGUrvuJk&#038;e=\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-size: 9.5pt;font-family: 'Georgia',serif;color: #1155cc\">www.tcgservices.com<\/span><\/a><\/p>\n<p class=\"xmsonormal\"><strong><span style=\"font-size: 9.5pt;font-family: 'Arial',sans-serif;color: #222222\">Financial Wellness<\/span><\/strong><\/p>\n<p><a href=\"https:\/\/finpathwellness.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">FINANCIAL WELLNESS BEGINS HERE<\/a><\/p>\n<p><span style=\"font-size: 9.5pt;font-family: 'Arial',sans-serif;color: #222222\"><span style=\"color: #222222;font-family: Arial, sans-serif\"><span style=\"font-size: 9.5pt\"><b>To <\/b><\/span><span style=\"font-size: 12.6667px\"><b>schedule<\/b><\/span><span style=\"font-size: 9.5pt\"><b>\u00a0and appointment with a TCG Advisor, click here:<\/b><\/span><\/span><\/span><\/p>\n<p><a href=\"https:\/\/tcgservices.com\/sechart\/\" target=\"_blank\" rel=\"noopener noreferrer\">SHERRY ECHART<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div><\/p>\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-3366","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/victoriaisd-2\/wp-json\/wp\/v2\/pages\/3366","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/victoriaisd-2\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/victoriaisd-2\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/victoriaisd-2\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/victoriaisd-2\/wp-json\/wp\/v2\/comments?post=3366"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/victoriaisd-2\/wp-json\/wp\/v2\/pages\/3366\/revisions"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/victoriaisd-2\/wp-json\/wp\/v2\/media?parent=3366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}