How to make the most of YOUR retirement and financial coaching benefits.
Getting Started
When can I join?
What happens if I do nothing?
Automatic Annual Increases
What if I need help deciding?
How do I enroll?
What is a 401k?
What is a Target Date Fund?
Need help?
When can I join?
Eligibility: 1 year of service (you must work 1,000 hours in the calendar year)
Entry: 1st day of the month after you satisfy eligibility requirements
What happens if I do nothing?
In order to save for your retirement future, you need to take action.
Visit Principal.com/Welcome to enroll.
Automatic Annual Increases
Saving a little more each year is a great way to keep your retirement plans on track. You can sign up to increase your contribution every year.
Visit Principal.com/Welcome to learn more.
What if I need help deciding?
An Align coach can help you understand and navigate your financial decisions for your 401k and beyond.
How do I enroll?
In order to save for your retirement future, you need to take action.
Visit Principal.com/Welcome to enroll.
OR Use the Principal App
What is a 401k?
What is a Target Date Fund?
Need help?
An Align coach can help you understand and navigate your financial decisions for your 401k and beyond.
Manage My 401k
How do I access my account?
What if I need advice?
What if I need to take money out?
What if I change jobs?
Should I designate beneficiaries?
Cybersecurity: How do I protect my account?
How much should I be saving?
What should I know about investing?
What if I need advice?
An Align coach can help you understand and navigate your financial decisions for your 401k and beyond.
What if I need to take money out?
Keeping retirement savings intact is very important. So, there are limited options to take money out:
- If you change jobs or retire
- If you reach age 65, even if you are still working with Cardinal
What if I change jobs?
Don’t Worry, you don’t lose the savings that you contributed.
Your employer may have rules about how much of their employer contributions you get to keep.
You can transfer your savings to another plan, a personal IRA or, as a last resort, you can cash out.
Before You Decide:
Schedule 1-on-1 Session Now
Should I designate beneficiaries?
In the event of your passing, your savings will transfer into the ownership of your named beneficiaries.
Make sure your named beneficiaries remain up-to-date! The most common reasons to make changes are due to marriage, divorce or having children.
Principal.com/Welcome to view and update your beneficiaries.
Cybersecurity: How do I protect my account?
Take the following steps to help protect your account:
- Set up your online access and log on frequently.
- Use a strong username & password.
- Keep your contact information up to date.
- Enable Multi-Factor authentication.
- Use current anti-virus protection on all your devices.
Principal.com/Welcome for details on their Cybersecurity policy or read their Security Tips.
How much should I be saving?
What should I know about investing?
Help Beyond 401k
How can Align help me?
How much will it cost me?
Can I just talk to someone?
How can Align help me?
From helping you set your first budget to applying for Social Security, your Align coach can help you in any financial phase.
How much will it cost me?
Financial coaching is part of your retirement benefit program.
You’ll never get a bill for asking a question or requesting advice.
Can I just talk to someone?
An Align coach can help you understand and navigate your financial decisions for your 401k and beyond.