“This gift horse can get you where you want to go.”
			Employer-sponsored plans are truly a gift. So, don’t pass up the opportunity to get some real savings mileage. They can make saving for retirement faster and easier than if you tried to set aside money on your own. Lots of people participate because employer-sponsored plans help them: • Save more, faster … thanks to tax benefits • Contribute easily … thanks to payroll deduction • Get flexibility … now and when you’re retired

Three workhorses – There are three types of employer-sponsored plans … 403(b) plans for employees of school systems and tax-exempt organizations; 457 plans for non-profit institutions and government employees; and 401(k) plans for others like you.

How you pony up –
• You decide how much to contribute and how money is invested.
• Your employer automatically takes contributions from your paycheck before tax is figured.
• Some employers match employee contributions.
• Contributions may grow based on investment performance.
• You pay no income tax on contributions and any growth until money is withdrawn.

“Read all about it.” Every plan is a little bit different. For instance, some may require you work for a certain length of time before you join. Refer to your summary plan description or talk to your Benefits department for details.