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What are Roth contributions?

Roth contributions are salary reduction contributions made to the plan that are made on an after tax basis (the income and gains that are earned on Roth contributions are not taxed).

Where can I set up an IRA?

IRA’s can be set up at almost any bank, or at most brokerage houses (e.g.: Schwab, Fidelity, Vanguard, E-Trade, UBS, etc.)

Can I leave my retirement plan account balance in my previous employer’s plan after I terminate my employment?

Most plans will allow you to leave your vested balance in the plan if your vested account balance is greater than $5,000.  However, the Summary Plan Description will dictate the exact vested balance that will allow you to leave your balance in the plan.

If I am reimbursed via direct deposit, how long does it take to post to my bank account?

Most banks take 1-2 business days to post the deposit into your account.

How do I know my Health Care Reimbursement Account offers Carryover?

You will need to review your Flexible Spending Handbook, contact your Human Resources Department or contact us here at Pension Dynamics to determine if your plan includes Carryover.

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