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Your workplace retirement plans

By deciding to plan and save for your retirement, you’ve made a decision you can feel good about. You've realized that a sound savings plan is key toward helping you achieve a more secure financial future. 

Your Harford County Public Schools retirement plans.

To help you achieve the retirement you envision, Harford County Public Schools offers a retirement program designed to help you become retirement ready. You have two types of plans to choose from, the 403(b) plan or the 457(b) plan.  To learn more about the basics of the two plans please review the links below.

Be generous to yourself and your future

The sooner you start saving, the better. Once you decide to save for your retirement, the next step is to decide how much to save.  Check out our retirement tools and calculators.

Once you decide what percentage you'd like to save, your wages will be automatically invested in your account each pay period. But before you do that, it is important to become educated on general financial, investment and retirement information in order to make informed decisions.

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Resources for your retirement needs

Annual contribution limits

Find out how much you could save for your retirement each year.

Social Security benefits

Learn how to apply online for Social Security benefits.

Understand your 403(b) plan (PDF)

Discover the basics of this tax-deferred retirement plan with this helpful Q&A.

Understand your 457(b) plan (PDF)

Learn more about this governmental plan for state or local employees. 

Mutual funds in the Lincoln Alliance® program are sold by prospectus. An investor should consider carefully the investment objectives, risks, and charges and expenses of the investment company before investing. The prospectus and, if available, the summary prospectus contain this and other important information and should be read carefully before investing or sending money. Investment values will fluctuate with changes in market conditions so that, upon withdrawal, your investment may be worth more or less than the amount originally invested. Prospectuses for any of the mutual funds in the Lincoln Alliance® program are available at 800‑234‑3500.

The Lincoln Alliance® program includes certain services provided by Lincoln Financial Advisors Corp. (LFA), a broker-dealer (member FINRA, SIPC) and a retail and financial planning affiliate of Lincoln Financial Group, 1301 S. Harrison St., Fort Wayne, IN 46802. Account values are subject to fluctuations including loss of principal. Unaffiliated broker-dealers also may provide services to customers. Lincoln Investment Advisors Corporation (LIAC) is the investment management organization of Lincoln Financial Group.

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as “Lincoln”). This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products and services.