Customer Service-Centric Approach Invest in exchange traded funds (ETFs) or design a plan with both ETF and mutual fund options in the same account. Our focus has also been on increasing awareness among plan sponsors and plan participants regarding retirement plan fee charges. And you’re in. We support. Aspire offers the most extensive capabilities nationwide for all plan types independent of average account balance or plan size: [401(k), 403(b), 457, IRA, and Defined Benefit]. Retirement. A 401k is generally from a for profit business, while a 403b is for education and some nonprofits. Read more about who we serve, here. The entry point into the InvestLink system is through one of five user portals: TPA User Portal delivers total online access to plan management Dedicated – working smart and thoughtfully through a single point of contact There are multiple plan types. Z7_G802HJS0MG4B50Q61LPOIO0571 Web Content Viewer Communicate. No other company goes to market like Aspire. We support. Aspire's video library provides educational insights on investment concepts and retirement strategies in simple terms to help participants, plan sponsors, advisors and TPAs manage plans effectively to achieve retirement goals at every level. Our business model provides you with a choice of investment options and retirement management solutions. Aspire's Private-Label Branding is a flexible program featuring customization options that allow outsourced retirement management services to be seamlessly integrated into a company-branded solution. TPA and advisor partner support to maintain Covered Service Provider (CSP) profiles older — allowing you to put away thousands of dollars more in retirement . Our brand essence is the core characteristic of what defines Aspire in the marketplace. Get end-to-end technology-enabled retirement plan management. Aspire supports all retirement plan types independent of average account balance and plan size. Aspire has deep experience in working with educators, school district officials, religious leaders, non-profit professionals and healthcare workers—Aspire knows what these different employer groups are looking for in a retirement plan and offers configurable investment menus based on group type and needs. The methodology focuses on four primary goals designed to deliver a predictable and successful outcome that creates economic value. Benefits include: Medical – no waiting period 403(b) plan to 403(b) plan Transfer of Assets: Can be completed to move assets from one 403(b) plan to a Aspire recognizes that to achieve superior customer service, performance metrics are key to measure program performance as defined in our client engagements. How much will I need to save for retirement? Our experts offer decades of proven experience and knowledge in retirement plan administration and management, customer service, product development, and information technology—backed by our CEFEX Certification for Recordkeepers for adherence to industry best practices, annual SSAE 16 – SOC 1 Type II successful audit, and memberships in ASPPA, NAPA, NIPA, NTSAA, and NAGDA. Service Oriented – putting our clients’ needs first. Everything Aspire does is with the customer and participant in mind. The limit is … This tutorial explore the role of volatility and time in portfolio to understand their impact. Built using the most advanced technologies, the platform weaves the best attributes of industry technology into the fabric of its system, creating a next-generation retirement plan platform that blends reliability, simplicity, and integrity. Address the fiduciary issues of subjected standards for broker dealer reps and RIAs, Deal with the trends of auto enroll and auto escalate, Delivers a choice of thousands of open-investment options including mutual funds, ETFs, collective trusts and stable value funds with no restrictions on account balance or plan size, Provides the ability to invest in exchange traded funds (ETFs), Allows participants to work with an advisor or self-direct, Increases economic value with fair, transparent pricing, Operates with an awareness of expenses incurred in managing retirement accounts that translates into advocating for participants, Access to real-time on-demand plan information 365 days, Change investments, rebalance accounts, and obtain statements online. Often quoted in the press, featured on videos and in byline articles, Aspire sets the standard for the retirement management industry. Offering transparency and full fee disclosure from day one, Aspire has led the way to ensure that participants are on the right path to a profitable retirement—while at the same time delivering a robust set of capabilities that can be uniquely designed customer by customer. Today, the brand is known as Aspire—the link that solidifies collaboration between all plan stakeholders. Planning for retirement isn’t magic. All fees are disclosed. Link with all retirement plan stakeholders. Aspire delivers a full suite of smart retirement solutions for Individual Retirement Accounts (IRAs) including: Being a leader in the industry means monitoring issues and trends—and knowing how to respond and deliver smart retirement solutions that address what the market needs and how to grow business within the changing retirement landscape. Select the state. The operating team has the industry knowledge and experience to manage a multi-dimensional operation that is capable of responding to changing customer and regulatory needs, as well as shifting financial trends. Once these selections are made, the advanced search options will enable you to further narrow your search or search the library by keyword. Plan Investments 403(b)s have had the reputation of having higher fees than 401(k)s, but recent trends have seen 403(b) plans emerge with … December 26, 2016 (Observed), 866.634.5873 AD&D Coverage and Supplemental Life Insurance Aspire's IRA plans are designed to deliver flexibility in making choices for our strategic distribution partners and plan participants. Plan Sponsor User Portal affords the flexibility to streamline administrative processes This video describes the reasons an employer should consider offering the Roth 401(k) options, including its attractiveness as an employee benefit and its value to high-income and younger employees. Shouldn’t a long-term rate of return always beat a short-term fairly liquid investment? Payroll companies We work with five different custodians allowing us to offer virtually unlimited choice in investments. Aspire empowers industry professionals by linking them with smart, results-driven tools that provide value and grow business. Highly experienced implementation, trading, transfer, distribution, enrollment and relationship management professionals handle all aspects of your plans and your clients’ needs, With Aspire, it's always been about participants. Your goals or risk tolerance may change due to your personal circumstances or your portfolio investments may perform better or worse than expected. Visionary – anticipating what the industry needs—and delivering Read our full 403(b) vs 401(k) comparisonhere. A 403(b) plan, which is like a 401(k) for educators and non-profit employees, can help supplement your pension or other retirement savings. I feel that one of these two should be my additional investment in my retirement, as opposed to an IRA or Roth IRA. Real Estate Investment Trusts – What’s a REIT or Real Estate Investment Trust? © Aspire Financial Services, LLC. There are participants with different needs. From there, it’s just a click to getting plan details, accessing enrollment forms, finding who the TPA is, and reviewing investment options. The choice is yours. Being a leader in the industry means monitoring issues and trends—and knowing how to respond and deliver smart retirement solutions that address what the market needs and operate as business climates change. Also known as a tax-sheltered annuity, a 403(b) plan is a 401(k)-type plan that is offered to employees by public schools, certain nonprofit organizations and some churches. But there are a few differences. Plan Statement Aspire links all stakeholders through a central communications hub. While we understand to many ads can be an annoyance we kindly request you allow our ads as it provides us the revenue necessary to keep our site up to date. Aspire’s IRA smart retirement solutions are customer centric, cost effective and user friendly. Aspire delivers smart retirement solutions for all Non-ERISA and ERISA 403(b) plan types. We're even known in the industry as an advocate for participants. Our executive leadership team is comprised of experts in information technology, marketing, operations, retirement plan administration and management, product development and the servicing of retirement products. All records are backed up daily and archived, and all servers are located in a hosting facility with state-of-the-art, 24-hour systems to prevent unauthorized access. It’s all done through InvestLink—Aspire’s conflict-free open-architecture investment platform that links to more than 25,000 investment options enabling the ultimate in flexibility and customization for plan design for our TPAs, advisors, sponsors and participants for 457 retirement plans. We take pride in employing knowledgeable and experienced professionals—people with the industry credentials and experience that understand retirement plan management and the financial services industry. July 4, 2016 Serving the industry for over 12 years with a conflict-free, open-architecture retirement planning management system, Aspire offers the most extensive capabilities nationwide for all plan types and all retirement plan stakeholders. Aspire delivers smart retirement solutions for all Non-ERISA and ERISA 403(b) plan types. With the Roth 403(b), there are no income restrictions. Aspire has deep experience in working with educators, school district officials, religious leaders, non-profit professionals and healthcare workers—Aspire knows what these different employer groups are looking for in a retirement plan and offers configurable investment menus based on group type and needs. Aspire delivers a retirement management system with the flexibility to easily handle the records of Cash Balance Plans and other Defined Benefit Plans using more than 25,000 investment options and five different custodians with several different recordkeeping methodologies. We care. Investment Performance as of 12/31/2020 Amounts contributed to the contract are deposited in PICA's general account. View the tutorial to see how it works. Training is provided at the time of implementation and when a new solution or tool is introduced. In 2010, the company was rebranded as ASPire Financial Services to reflect the full scope of the business. We rely on these values to focus us each day in how we approach our work, our teams, and inspire the behavior that collectively creates our high-performing culture. Ethical – delivering advocacy and transparency Work with a choice of leading custodial partners and fiduciary advisors. Amounts contributed to the contract are deposited in PICA’s general account. Aspire continues to invest across people, process and technology to sustain relevancy and readiness for the next-generation enterprise. All fees are disclosed. It started with a sketch on a restaurant tablecloth. Sometimes, you may still have a question. We provide everything you need to plan for—and achieve—the retirement you want, including practical education, easy-to-use tools and useful information that can help you easily manage your retirement savings over time. Contribution limits. In many cases, you can also catch an Aspire thought leader at a speaking engagement or participating on an industry panel. Aspire is a retirement management solutions company that focuses on enabling our strategic partners. The choice is yours. Few investments are more important than what you make in your retirement plan. The Guaranteed Interest Account (GIA) is a group annuity product issued by The Prudential Insurance Company of America (PICA), Newark, NJ 07102. options, Access to the investment portfolio expertise of leading. Roth IRAs are a … Workplace benefits often include a retirement savings or pension program. Trade & Fee History. Participant Statement Extract We serve all stakeholders with the same high level of commitment—implementing the smartest retirement solutions to achieve goals across the board. Regional and national RIAs and broker dealers We operate in a stable, fast-paced team environment. Aspire understands how to: It’s all done online and on demand. Work with a company that’s easy to do business with. Senior Resource Hub Team 3 weeks ago. Summary Participant Statements Handle the records of Defined Benefit plans easily. Complete transparency organized in an informative presentation for plan sponsors Our conflict-free open-architecture retirement management system is uniquely positioned to deliver the ultimate in flexibility and transparency at a competitive cost structure. We do our best to thoroughly explain the features and benefits of our smart retirement solutions. 403(b) plans are only available for employees of certain non-profit tax-exempt organizations: 501c(3) Corps, including colleges, universities, schools, hospitals, etc. We started in business as an advocate for the participant in 2002. (See Distributions below for more details.) Our ads are limited, relevant ads and will never cover up content or get in your way, this we promise. Aspire = Smart. 2M: Code section 403(b)(7) accounts 4010 Boy Scout Blvd., Suite 450 What is my project required minimum distribution? It’s all done through InvestLink—Aspire’s conflict-free open-investment platform that links to more than 25,000 investment options enabling the ultimate in flexibility and customization for plan design for our TPAs, advisors, plan sponsors and participants for both 403(b) ERISA and Non-ERISA retirement plans. How will my retirement impact my living expenses? This means no compromises when building the very best investment offering for a plan, enabling the ultimate in flexibility and customization for our TPAs, advisors, sponsors and participants. These values reflect how we should interact with our co-workers, customers and participants. From time to time we field questions regarding our Prudential Guaranteed Investment* interest rate, especially in environments when interest rates are on the rise. All our clients are served by our quality-driven, multi-disciplinary team of industry-experienced retirement management professionals—receiving accurate, timely and efficient services. Participant Census Data Link with us through our social media sites. As businesses evolve, Aspire helps our customers seek, embrace and adapt to changes. Both accounts must be part of the same plan. Aspire is committed to support customers and participants quickly and thoroughly, providing guidance to deliver best-in-class smart retirement solutions, education, training and communications. The Guaranteed Interest Account (GIA) is a group annuity product issued by The Prudential Insurance Company of America (PICA), Newark, NJ 07102. Aspire’s proprietary conflict-free open-architecture platform enables operational changes as businesses reinvent and define new requirements in the way they go to market. This … Content that imparts knowledge, because knowledge is power! Aspire’s operations include the processing of contributions, distributions, transfers, enrollments, trading, and process fulfillment. Aspire empowers participants by linking open choices and transparent access to all plan details and educational materials. The flat-dollar-fee model ensures that the plan recordkeeping costs remain fair and predictable. Aspire’s operational model is built on best practices and continuous process improvements. Investment Lookup offers direct access to the latest Morningstar® fund information and the fund prospectus. A major aspect of investment risk is volatility—how much and how often the value of an investment changes. Identify Solutions vs. Report Problems Lead customers and participants to make the right investment choices. Aspire’s online Resource Center provides participants, plan sponsors and advisors with forms, FAQs and learning tools to assist in planning and saving for retirement. What is the impact of increasing my 457 Plan contribution? Aspire’s 457 solutions deliver flexible plan design and investment choices. 401(k) vs. 403(b): The differences. We offer solutions for K-12, Higher Education, Faith Based, Non-Profit, Healthcare, and ERISA 403(b) plans with a deep understanding of the different participants, occupations and their needs. Aspire is positioned as the service provider of choice for smart retirement solutions delivered through the unique blend of these nine market differentiators that attract and influence decision makers to convert to Aspire customers. 403(b) retirement plan with prudential gia, Roth vs Traditional IRAs. What is a 403(b) plan? Aspire goes beyond the basic recordkeeping service model by offering end-to-end technology-enabled retirement management. Aspire consistently receives the Center for Fiduciary Excellence (CEFEX) Certification for Recordkeepers for adherence to industry best practices. savings than you would through a Roth IRA alone. We provide a best-in-class technology-enabled portfolio of pre-defined or highly customizable smart retirement solutions with private-label branding options through our proprietary technology platform, business process outsourcing, and strategic partnerships. Aspire’s complete suite of 403(b) solutions are designed to deliver flexibility in making choices for our strategic distribution partners and plan participants. Aspire offers comprehensive reporting available instantly in multiple formats including PDF, Excel, Text, TIFF and HTML. Our best-in-class technology-enabled portfolio delivers pre-defined or highly customizable smart retirement solutions—with private-label branding options. A participant who recently called about this issue, suggested we include an explanation to help others un… What is the impact of increasing my 403(b) contribution? Aspire has developed an implementation methodology for transitioning and assimilating clients based on a best-practice framework. If you work in higher ed, chances are, you have one. We start on day one. The system will perform automatic validation checking and report any errors or rule violations encountered in the data. - Within the 403b retirement plan, I chose VBTIX (bond) and VINIX (large blend) - Within the 403b with Prudential GIA (the one I get 6% employer match), I chose the 2060 target-date fund --- Question: I spoke with a representative, according to him, my employer matches 6% of my gross salary. Aspire is the premier open-architecture provider who has the scale and resources to offer the perfect smart retirement management solutions that you can count on for years to come. Aspire is a leading service provider of smart retirement solutions. Click on these Frequently Asked Questions (FAQs) to get the information you need to understand why smart retirement solutions are best in class. 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