RETIREMENT
Planning for retirement doesn’t have to be overwhelming—it’s about making smart choices now so you can enjoy peace of mind later. Our retirement plan helps you grow your savings with flexible contribution options and expert support to guide you every step of the way.
Resources
Planning for your future starts today. Our 401(k) retirement plan offers you a convenient and tax-advantaged way to save for retirement through automatic payroll deductions. You can choose from a range of investment options and take control of your financial future. Plus, eligible employees may receive an employer match to help your savings grow even faster.
Below are the key features of our 401(k)-retirement plan, designed to help you make the most of your savings’ opportunity:
Contributions
- Contributions are made through automatic payroll deductions
- You can contribute up to $24,500 in 2026
- If you’re 50 or older, you can contribute an additional $8,000
- If you’re 60, 61, 62, or 63, you’re eligible for a special catch-up of $11,250
Match
After one year of service, Hiram will match 100% up to 2% of your salary if you have two to three years of service. After four years of service that match increases to 100% up to 3% of your salary.
Deferral Options
- Traditional pre-tax contributions lower your taxable income today
- Taxes are paid later when you withdraw funds in retirement
Eligibility
You’re eligible to participate after one year of service.
Vesting
You are 100% fully vested immediately in both your contributions and Hiram’s contributions
Need Help Navigating Your Financial Journey? Oswald Money Coaches Are Here for You.
Achieving Financial Freedom
Planning for retirement is just one piece of the puzzle. That’s why we’ve partnered with Oswald Money Coaches—to give you access to expert financial guidance tailored to your life and goals.
- They focus on retirement readiness and customize strategies based on your unique needs
- Get one-on-one coaching to help you understand your full financial picture and take action with confidence
- Learn in a way that works for you:
- In-person seminars
- Live and pre-recorded webinars
- Animated videos and interactive guides
Their goal is to take the stress and confusion out of money management—so you can make smart, informed decisions with ease.
Oswald Financial Services
The Oswald Money Coaches team provides a wide range of planning resources and financial services to help you reach your personal and retirement goals:
- Comprehensive portfolio management
- Wealth management
- Ongoing investment monitoring
- Periodic reviews
- Financial planning
- Retirement planning
- Investment strategies
Whether you’re just starting out or planning for retirement, Oswald is here to support you every step of the way.
Ready to Take the Next Step?
Schedule a free one-on-one session with an Oswald Money Coach and start building the future you deserve.
Email: [email protected]
Phone: 833.224.5660
Work with Oswald to make your financial goals a reality.