Face retirement with confidence

The Texas A&M retirement program is designed to help you achieve the retirement you envision.

MANDATORY PROGRAMS: HELPING YOU PUT YOUR FUTURE FIRST

• Teacher Retirement System of Texas (TRS): All eligible employees will be automatically enrolled in the TRS, a defined benefit plan, on their first day of employment.
• Optional Retirement Program (ORP): The ORP, a defined contribution plan, may be chosen by certain employees in lieu of the TRS. Generally, you will be informed of your eligibility to participate in the plan at the time of your initial employment.  View the Texas A&M University System Optional Retirement Program (ORP) Plan Highlights

VOLUNTARY PRGRAMS: ADDITIONAL WAYS TO SAVE

• Texas A&M University System Tax-Deferred Account (TDA) Program and Deferred Compensation Plan (DCP): These supplemental investment plans are offered to both TRS members and ORP participants. In both plans, you can choose to save money on a pretax basis. You may also choose to save money on an after-tax basis through a Roth TDA.
• These voluntary investment vehicles offer an opportunity to save additional retirement dollars. There are federally-established limits on the amount of pretax or after-tax contributions that an employee can make per tax year.  View the Texas A&M University System Tax-Deferred Account (TDA) Plan Highlights
•  For more information, visit  Texas A&M University's Retirement Programs site.
• There are significant differences between the ORP and the TRS. Please be sure to undertake a comprehensive review of these differences.

Additional Resources

Learn more about your options and saving for retirement:

• ORP Enrollment and beneficiary election form (See pages 26-30)
• TRS Election to participate form (Complete and submit  this form if you want to move from Teacher Retirement System of Texas (TRS) to the ORP)
• TDA Enrollment and beneficiary election form  (See pages 28-32)

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"). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. 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.

Retirement consultants are Lincoln Financial employees and registered representatives of Simplicity Investments, Member FINRA/SIPC, 475 Springfield Ave, Summit JN 07901, 303-797-9080. Retirement consultants do not provide tax or legal advice.

Lincoln Financial and Simplicity Investments are not affiliates.

PAD-8861393-040626

Investing doesn’t have to be intimidating. Learn about your options so you can make an informed decision.

Deciding on investments

Ready to save, but don’t want to research investments? If you make an all-in-one choice with a target-date fund, you simply choose the date closest to when you turn age 65 and it provides a diversified portfolio for you. Want to dig in with investments? Manage it yourself by choosing from the plan’s lineup. 

If you don't choose investments, your contributions will be automatically invested in the plan's Default Investment Alternative (DIA). Once you decide on your approach, review your investment options in your enrollment kit. Keep in mind, over time as your situation changes, your investing approach can change too.
 

ADDITIONAL RESOURCES
Learn more about your investment options

• Texas A&M University System Optional Retirement Program (ORP) Enrollment Kit
• Texas A&M University System Tax-Deferred Account (TDA) Enrollment Kit

Mutual funds in the Lincoln Alliance^® program are sold by prospectus. An investor should carefully consider 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 Retirement Services Company, LLC and Lincoln Financial Group Trust Company, Inc. with wholesale marketing and distribution services provided by Lincoln Financial Distributors, Inc. (LFD), a wholesale broker-dealer (member FINRA). All entities listed are affiliates of Lincoln Financial, the marketing name for Lincoln National Corporation. Unaffiliated broker-dealers also may provide services to customers. Account values are subject to fluctuation, including loss of principal.

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"). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. 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.

Retirement consultants are Lincoln Financial employees and registered representatives of Simplicity Investments, Member FINRA/SIPC, 475 Springfield Ave, Summit JN 07901, 303-797-9080. Retirement consultants do not provide tax or legal advice.

Lincoln Financial and Simplicity Investments are not affiliates.

 PAD-8861393-040626

Taking care of your financial health today can help you look forward to a bright tomorrow.

Prepare for moments that matter

Life’s big moments come with financial impacts. But preparing in advance can help you maintain your financial health and confidently handle what comes next. Check out resources for managing getting married, having a child, buying a home, student loans, caregiving, raising financially savvy kids, retiring and more. Start getting ready.

Creating a budget

A budget can help you keep track of spending, separate needs from wants and find extra money for financial priorities. Setting realistic goals and sticking to a budget may help you improve your financial wellness and manage multiple priorities.  This budgeting worksheet can help make it simple as you build a budget that works for you.

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"). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. 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.

Retirement consultants are Lincoln Financial employees and registered representatives of Simplicity Investments, Member FINRA/SIPC, 475 Springfield Ave, Summit, NJ 07901, 303-797-9080. Retirement consultants do not provide tax or legal advice.

Lincoln Financial and Simplicity Investments are not affiliates.

 PAD-8861393-040626