Frequently Asked Questions

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Changes to your contribution amount must be made by you through your retirement plan account or your employer's payroll system (if applicable). We cannot increase, decrease, stop, or restart your payroll contributions on your behalf. 

We are happy to discuss your investment options and provide personalized investment advice based on your goals and circumstances. However, unless you have authorized us to manage your account on a discretionary basis, you are responsible for making your own investment election changes through your retirement account. We cannot submit investment changes for you. 

No. Enrollment must be completed by you through your employer's enrollment process or retirement plan website. We cannot enroll participants on their behalf. 

No. If you wish to stop participating or stop future contributions, you must make those changes yourself through your retirement plan account or your employer's payroll system, subject to your plan's rules. We cannot opt you out or discontinue your contributions for you. 

We can provide guidance if you're having trouble accessing your account, but for security reasons, password resets and certain account security changes must be completed using the account's self-service recovery process. 

 Your retirement account contains sensitive financial information and is protected by security and regulatory requirements. For your protection, certain actions—including contribution changes, investment elections, enrollment, opting out, and beneficiary updates—must be completed directly by you through your secure account. 

 We're here to help you:

• Understand your retirement plan benefits.
• Develop an investment strategy based on your goals.
• Review your retirement savings progress.
• Explain plan features, loans, withdrawals, and distribution options.
• Answer questions about retirement planning and investment decisions.