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401(k) Plan

We understand that your lifelong journey includes a happy, healthy and comfortable retirement. Let us help you hit your retirement goals with our 401(k) plan!

Overview

Whether you’re 21 or 65, it’s never too soon to start saving for your future. Saving for retirement is a little easier at Fisher Investments with our generous 50% 401(k) match.

Unlike other companies that cap your matching contribution at 6% of pay, Fisher Investments will give you 50% of every dollar contributed. That means if you contribute $24,500 during the year, the plan will match you $12,250! In addition, Fisher Investments will pay all of your account maintenance fees.

To register or access your 401(k) account, visit  workplace.schwab.com.


Eligibility and Vesting

Fisher Investments employees are eligible to participate in the plan once they have one month of service and are age 21 or older.

You are immediately 100% vested in your own contributions. All company matching contributions are subject to a 3-year cliff vesting schedule. A vesting year is any calendar year in which you work at least 1,000 hours.

See the  401(k) plan education guide for more details on the Fisher Investments 401(k) plan.


Resources

Investment Options

401(k) Match

Unlike other companies that cap your matching contribution at 6% of pay, Fisher Investments will give you 50% of every dollar contributed. That means if you contribute $24,500 during the year, the plan will match you $12,250!

Core Funds

For a lower maintenance approach, you can invest in 11 pre-selected core funds. Contributions are automatically invested in the core funds based on the investment allocation selected.

Personal Choice Retirement Account (PCRA)

For the more savvy investor, you have the option to open a Personal Choice Retirement Account. The PCRA allows you to place trades on any equity or mutual fund* and manage your retirement savings much like an individual brokerage account.**

*Trades subject to Compliance approval and trading restrictions. Please contact Law & Compliance Department for details.
**Past performance is no guarantee of future results. A risk of loss is involved with investing in stock markets.

Morningstar Managed Accounts

Morningstar Managed Accounts utilizes your lifestyle, demographics, needs and savings goals to provide you with the resources necessary to help you reach your retirement goals. While we recognize this tool is not for everyone, it is yet another option for those that need more support in building and managing their 401(k) portfolio. Access this tool inside of your 401(k) account on the  Charles Schwab website.

  • 401(k) Match

    Unlike other companies that cap your matching contribution at 6% of pay, Fisher Investments will give you 50% of every dollar contributed. That means if you contribute $24,500 during the year, the plan will match you $12,250!

  • Core Funds

    For a lower maintenance approach, you can invest in 11 pre-selected core funds. Contributions are automatically invested in the core funds based on the investment allocation selected.

  • Personal Choice Retirement Account (PCRA)

    For the more savvy investor, you have the option to open a Personal Choice Retirement Account. The PCRA allows you to place trades on any equity or mutual fund* and manage your retirement savings much like an individual brokerage account.**

    *Trades subject to Compliance approval and trading restrictions. Please contact Law & Compliance Department for details.
    **Past performance is no guarantee of future results. A risk of loss is involved with investing in stock markets.

  • Morningstar Managed Accounts

    Morningstar Managed Accounts utilizes your lifestyle, demographics, needs and savings goals to provide you with the resources necessary to help you reach your retirement goals. While we recognize this tool is not for everyone, it is yet another option for those that need more support in building and managing their 401(k) portfolio. Access this tool inside of your 401(k) account on the  Charles Schwab website.

Contribution Options

Our 401(k) plan offers three contribution types: pre-tax, Roth and after-tax.

  • Pre-tax 401(k) contributions are made directly to your 401(k) account before taxes are deducted from your eligible pay. This may reduce your current taxable income. When you retire and go to make a withdrawal from your 401(k), the funds and any earnings will then be subject to ordinary income tax.

    Pre-tax contributions are eligible for a 50% match from Fisher Investments up to the IRS limit ($24,500). You may contribute up to 75% or a flat dollar amount of your eligible compensation before taxes each pay period.

  • Roth 401(k) contributions are made on an after-tax basis. When Roth 401(k) contributions and any earnings are withdrawn from the account, no taxes are owed, provided the distribution occurs at least five years after the year you made your first Roth contribution and you have reached 59.5 years old, are deceased or have become disabled.

    Roth contributions are eligible for a 50% match from Fisher Investments up to the IRS limit ($24,500). You may contribute up to 75% of your eligible compensation each paycheck.

  • Fisher Investments' 401(k) plan allows for you to contribute above the $24,500 IRS limit on an after-tax basis. Like Roth 401(k) contributions, after-tax contributions are made to your account after taxes have been deducted from your eligible pay. You do not pay additional taxes on your contributions when they are withdrawn. However, unlike Roth 401(k) contributions, you do pay taxes on any earnings on your after-tax contributions when they are withdrawn.

    Pro Tip: Turn on the automatic in-plan Roth conversion feature so all of your after-tax contributions get converted instantly to help reduce your tax liability!

  • Our 401(k) plan allows for catch-up contributions for those 50 and older. These individuals can contribute an additional $8,000 to their Pre-Tax or Roth accounts throughout the year. Employees aged 60-63 can contribute up to $11,250 in catch-up contributions. Better yet, all of these catch-up contributions are eligible for our 50% company match!

    Beginning in 2026, any employee 50 or older earning more than $150,000 in 2025 will be required to make their catch-up contributions as Roth, removing the option of Pre-Tax.

  • Your choice may depend on a number of factors, including how long you expect to keep the funds in your 401(k), your current tax rate and your anticipated retirement tax rate. Since each individual’s tax situation is different, please take the time to consider all of the facts and consult your tax advisor.

In-Plan Roth Conversions

Our 401(k) plan offers an In-Plan Roth Conversion which allows you to convert any of your vested pre-tax and/or after-tax funds into a Roth account.

If you convert pre-tax 401(k) contributions to Roth, the entire amount converted (contributions plus any associated earnings) is taxable in the year converted. If you convert after-tax contributions to Roth, earnings generated on the after-tax contributions prior to conversion (if any) are taxable in the year converted.

You might be a good candidate for an In-Plan Roth Conversion if you*:

  • Are likely to be in the same or a higher tax bracket at retirement
  • Will not need to withdraw the money for at least 5 years
  • Can afford to pay income taxes on the rollover now

*Completing an In-Plan Roth Conversion might have tax consequences. Please speak to a tax advisor before initiating a conversion.

401(k) Day Sessions

Your Financial Future is Worth the Investment.

Explore your financial well-being in recognition of 401(k) Day! From September 10th-25th, we’re hosting a series of education sessions designed to help you better understand your financial wellness benefits and build confidence in your financial future.

401(k) Day Checklist:

Register for the upcoming virtual financial education sessions

Schedule a Charles Schwab one-on-one for personalized guidance on your situation

Review our 401(k) benefits

Visit workplace.schwab.com to:

  • Update your beneficiaries
  • Increase your contributions
  • Manage your investments
Session Highlights

Click here for the full financial wellness session schedule.

DateSessions
Thursday, 9/10• Smart Saving: Building a strong financial foundation, hosted by Charles Schwab
Tuesday, 9/15• Investing 101, hosted by FI Portfolio Management Group
Wednesday, 9/16• Countdown to Retirement: What should I do with 10 years or less to go?, hosted by Charles Schwab
Thursday, 9/17• Why everyone needs an estate plan, hosted by Charles Schwab
• Behavioral Finance, hosted by Client Services Training Groups
Week of 9/21• Schwab 1:1 Sessions for personalized guidance on your situation
On-demand courses• Social Security and Medicare
• Women & Investing: Take charge of your financial future
• College savings: Invest in the future

Each hosted session will be recorded and can be accessed on demand. Contact us at x808-5886 or ~Benefits Services for additional questions.