How to Get Enrolled
Our Retirement Specialists would like to schedule a one-on-one meeting with you to discuss your individual retirement goals, help you choose a savings rate and investment strategy, and walk you through the account set up. You have two options to get enrolled…
You have two options to get enrolled.
option 1
Reach out to us
option 2
Do it on your own
Enrollment Tip
What if I have additional retirement accounts?
If you have any existing retirement accounts with previous employers, our team of Retirement Specialists can help you combine your previous account balances into your new account with your current employer.
To learn more, go to Combine Retirement Accounts section.
1
Schedule your meeting now!
Schedule a 30-minute one-on-one meeting with a Retirement Specialist.
Key decisions you will need to make:
The right amount to save per paycheck
Selecting your investment options
Establish your beneficiary designations
Your Retirement Specialist has a great deal of experience with helping employees plan for a successful retirement. They can help you get enrolled as well as provide educational support and guidance.
Follow these instructions to enroll.
2
STEP 1 Create your account
Download a complete enrollment checklist
Navigate to https://myplan.johnhancock.com/login and select “Register Now” on the homepage.
•
You’ll be prompted to answer a series of questions to verify identity and set up your account.
Once completed, you will need to click “Submit.”
You will be prompted to set your savings rate, make your investment selections and designate your beneficiaries.
Once completed, you will need to verify the information and click “Submit.”
STEP 2 Enroll in your company’s retirement plan
In the event of your death, your designated beneficiary will receive the money in your account. You can declare one or more persons as your beneficiaries during the enrollment process. To designate your beneficiary, you need their: • Full name • Date of birth
Designating a beneficiary is an important part of your 401(k).
Beneficiaries
Remember to use whole numbers when determining any percentages, and be sure the designated amount for each beneficiary adds up to a total of 100%.
100%
Schedule a Meeting
You can also contact us:
888-322-7586
contact401k@fi.com
They can help you get enrolled as well as provide educational support and guidance.
Contact Us: 888-322-7586 | contact401k@fi.com
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Get Enrolled
Your 401(k) Plan
Investment Support
Combine Accounts
401(k) Benefits
Contacts & Resources
Enrollment Support
Combine your old retirement accounts
Enrollment Guide
Secure Your Financial Future Today
Welcome to Your 401(k) Plan with Fisher Investments!
We believe you can achieve future financial security and have a comfortable retirement by saving in your 401(k) plan.
We are excited to help you make the most of your 401(k) and hope you will take advantage of this opportunity to invest in yourself and your financial future.
Saving now can help you secure the income you will need in retirement.
How to Enroll
Benefits of saving in your 401(k) plan:
The convenience of automatic payroll deductions
You can save on taxes
Your company may make contributions to your account
Your account grows through compounding
Your 401(k) plan
The good news is that your employer offers a 401(k) benefit with Fisher Investments, making saving for retirement easy, and painless. You contribute a portion of your pay to your 401(k) account each payday through a convenient payroll deduction. Enrolling in the plan is easy too.
Investment Support Options
Your 401(k) plan utilizes Fisher’s Investment Platform. Whether you’re just starting or you consider yourself an experienced investor, our support options make it easy for you to invest.
Download an investment support options comparison
You prefer not to be involved in the investment selection and ongoing management. You prefer to have investment professionals do it for you.
You prefer some guidance with selecting investments appropriate for your personal financial situation, time horizon and investment goals.
You are an experienced investor that prefers a “hands on” independent approach to investment selection.
You have high confidence in your investment knowledge or rely on a personal financial adviser.
DO IT FOR ME
GUIDE ME
SELF-SELECTED
SELF-DIRECTED BROKERAGE ACCOUNT*
*Check with your company’s Plan Administrator to determine if your plan offers the Self-Directed Brokerage Account option.
Step 4
Complete!
Step 3
Transfer Funds
Step 2
Gather Info
Step 1
Make Contact
When the funds are deposited into your new 401(k) account, we’ll reach out to let you know they’re available to view within your online account. It’s that easy!
We will monitor the process while your former 401(k) provider transfers the funds into your new account and reach out to you to sign the Transfer Acceptance form.
Your service team member will help you complete the required documents and get them submitted.
Call us to get started, and a member of our service team will set up a three-way call with your former 401(k) provider to determine what documentation we’ll need.
With Fisher Investments on your side, it is easy to combine your old retirement accounts and put your savings in one place. Our experienced Retirement Specialists walk through the process with you side-by-side, making each step clear and simple.
Here is how it works and how you will benefit...
Download a step-by-step guide
Why combine retirement accounts?
Moving your other 401(k) account balances into your Fisher Investments account has many benefits, including:
Keep everything in one place with one statement, one login, and one password to remember.
Put more power behind your account’s investments, giving your entire savings greater potential for growth.
With our help, rolling old accounts over into your new one is quick and easy.
Easy Access
Investment Focus
We’ll help
401(k) Plan Benefits
It makes sense that the key to a secure retirement is saving as much as you can every payday. However, by saving in your employer’s 401(k) plan, you give yourself the opportunity to benefit from some unique advantages.
Simple Account Savings
Tax Savings
3
Compound Growth
Automatic payroll deductions
If you’ve found it difficult to maintain a regular savings habit in the past, your 401(k) plan makes it much easier for you. Your retirement plan provides the convenience of automatic payroll deductions: The saving amount you choose is deducted out of your paycheck automatically.
Your company may choose to match the dollars you contribute to your 401(k) contributions, up to a certain limit, to accelerate your retirement savings. It’s essentially extra money. If your company provides a matching contribution, take full advantage of it so that you don’t leave any money on the table. Please see your Summary Plan Description to find out if your plan includes a company match contribution and its terms.
Company contributions
Your 401(k) lets you arrange your investments in a way that best fits your personal needs and long-term goals. You can change your investment choices as your situation changes. Learn more information about your investment options and the resources we offer to help you choose them in the Investment Support Options section.
Flexible investment support options
Tax savings
There are two types of 401(k)s: traditional pre-tax and Roth.
Determining which type of account is best for you depends on your personal needs
Before you decide, consider talking to a Fisher 401(k) Retirement Specialist or to a tax adviser to help you look at your specific situation and determine which approach—traditional pretax, Roth or a mixture of both—is best for you.
and goals.
1. Traditional
Pay taxes later:
The money you contribute to your 401(k) is not taxed beforehand. You’ll pay taxes when you withdraw the money. Earnings made from your contributions will also be taxed later. A good option if you see yourself in a lower tax bracket later on.
2. Roth
Pay Taxes now:
Your contribution is taxed before going into your account. If you meet tax law requirements, you can withdraw your contributions plus any plan earnings later in retirement tax-free. This is a good option if you see yourself in a higher tax bracket later on. Check your plan’s Summary Plan Description for further details and to see if your plan offers a Roth option.
Account growth through compounding
• Time • Investment growth Compounding occurs when the returns generated by your savings are reinvested back into your retirement account and begin generating returns of their own. Given enough time, compounded returns on your 401(k) can be larger than the contributions you made.
Compounding allows your 401(k) balance to grow faster by combining the power of:
How compounding returns can work for you:
For example, if you contribute $100 per month, after 30 years, your account is valued at $146,815, with only $36,000 being actual contributions from your paychecks!* The rest is from compounding returns by having your money in the market longer.
$100 per month Paycheck Contributions
Paycheck Contributions + Compounding Growth
*Values based on an 8% annual rate of return. Calculations are hypothetical and meant for illustrative purposes only. Investing in securities involves the risk of loss.
Download a comparision
Year 30
Year 15
Year 10
Year 5
Year 1
$0
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$36,000
$146,815*
from compounding returns.
*$110,815
Contacts and Resources
Our team of Retirement Specialists is standing by to help you enroll and answer any questions you may have. They have a great deal of experience with helping employees plan for a successful retirement.
Download resources
401(k) Plan & Retirement Navigator Questions Fisher Investments 401(k) Solutions Team 888-322-7586 contact401k@fi.com Online Enrollment Website https://myplan.johnhancock.com/login
Your enrollment checklist Investment support options comparison Step-by-step guide to combine retirement accounts Difference between Roth and traditional 401(k)
Summary Plan Description
You were also provided with a copy of your 401(k) Summary Plan Description (SPD).
We are here to help!
The Summary Plan Description is an easy-to-understand guide to your plan’s participation requirements and plan features. We encourage you to take time to read your Summary Plan Description carefully and to contact your company’s Plan Administrator or Human Resources representative with any further questions. A complete description can also be found in the legal Plan Document that governs your 401(k). These documents can be provided by your company’s Plan Administrator upon request.
Investment support options comparison
Step-by-step guide to combine retirement accounts
Difference between Roth and traditional 401(k)
