How to make the most of YOUR retirement and financial coaching benefits.

Getting Started

When can I join?
Does my employer contribute?
How do I enroll?
What is a 401k?
What is a Target Date Fund?
Is Roth or Pre-Tax better?
What if I need help deciding?

When can I join?

You can join the plan the first day of the next quarter after you’ve completed 1 year of service and are 21 years of age.

For Example:
If you start January 2nd, 2023 you will complete 1 year of service on January 2nd, 2024 and will be enrolled on April 1st, 2024.

Does my employer contribute?

Your employer contributes $1.00 for every $1.00 you save, up to a 3% savings level and $0.50 for every $1.00 for the next 2%.

Don’t Give Away Free Money
To maximize your benefit, aim to save 5%. After one year of service, you are also eligible for a Profit Sharing Contribution.

How do I enroll?

Go to the Nationwide Website

Don’t forget to designate your beneficiary!

What is a 401k?

What is a Target Date Fund?

Is Roth or Pre-Tax better?

What if I need help deciding?

An Align coach can help you understand and navigate your financial decisions for your 401k and beyond.

Schedule 1-on-1 Session Now

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?

How do I access my account?

What if I need advice?

An Align coach can help you understand and navigate your financial decisions for your 401k and beyond.

Schedule 1-on-1 Session Now

What if I need to take money out?

Saving in a retirement plan is, of course, intended to be a long-term investment for you. If you are over the age of 59.5 you can make and In-Service Distribution.

Loans can be taken from employee deferrals only. The minimum loan is $1,000 and the maximum loan is the lesser of 50% of your deferrals or $50,000

In the event of an emergency, the plan does allow for Hardship Distributions.

Schedule 1-on-1 Session Now to discuss your situation.

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.

Visit Nationwide 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.

Visit Nationwide for details on their Cybersecurity policy.

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?
What is MoneyNav?
How do I get started with MoneyNav?
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.

Schedule 1-on-1 Session Now

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.

What is MoneyNav?

How do I get started with MoneyNav?

We have designed an assessment to help determine where you are and what your first steps should be.

Start Here

Can I just talk to someone?

An Align coach can help you understand and navigate your financial decisions for your 401k and beyond.

Schedule 1-on-1 Session Now

Need a Coach?

Schedule a 1-to-1 coaching session with an Align Advisor.