{"id":244,"date":"2018-01-24T21:37:27","date_gmt":"2018-01-25T03:37:27","guid":{"rendered":"https:\/\/www.macalester.edu\/employment-services\/retirement\/"},"modified":"2026-01-05T09:54:15","modified_gmt":"2026-01-05T15:54:15","slug":"retirement","status":"publish","type":"page","link":"https:\/\/www.macalester.edu\/human-resources\/benefits\/retirement\/","title":{"rendered":"Retirement"},"content":{"rendered":"<p>We encourage you to begin planning for your future by participating in Macalester\u2019s Retirement Plan.&nbsp; This plan will provide opportunity for financial growth throughout your employment with Macalester.&nbsp; Macalester offers a 403(b) plan for faculty &amp; staff invested through TIAA.<\/p>\n\n\n<accordion-container\n    tag=\"section\"\n    class=\"accordion-group block-container\"\n    >\t\n\t<div class=\"accordion-group__outer\">\n\t    \t    <ul class=\"accordion-group__list\">\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-1\"\n\t                        id=\"accordion-group-heading-button-1\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Employee Retirement Contribution<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-1\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p><!-- wp:paragraph --><\/p>\n<p>All employees are eligible to contribute to the Macalester Retirement Plan on a pre-tax or a post-tax basis. There is no waiting period and all contributions are made by the participant.\u00a0 Participants may also begin or change their contributions at the start of any month.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>There is an annual contribution limit per IRS regulations, and participants may contribute any amount up to their individual IRS maximum. The individual maximum is based on age, length of service, and salary.\u00a0 This limit does include all pre- and post-tax contributions, but does not include Macalester contributions.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3>Employee Retirement Contribution Limits<\/h3>\n<figure class=\"wp-block-table\">&nbsp;<\/p>\n<table style=\"width: 521.299px\">\n<tbody>\n<tr>\n<th style=\"width: 174px\">\u00a02026 Standard Limit<\/th>\n<th style=\"width: 164px\">\u00a02026 Age 50+ Limit<\/th>\n<th style=\"width: 173.299px\">2026 Age 60 &#8211; 63 Limit<\/th>\n<\/tr>\n<tr>\n<td style=\"width: 174px;text-align: center\">$24,500<\/td>\n<td style=\"width: 164px;text-align: center\">$32,500<\/td>\n<td style=\"width: 173.299px;text-align: center\">$35,750<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3>Effective January 1, 2026<\/h3>\n<p>Under Secure Act 2.0, a new rule known as Provision 603, introduces a change in how catch-up contributions to retirement plans are handled. This is a federal retirement plan regulation change and not a change implemented by 日韩精品.<\/p>\n<p>Employees who are age 50 or older and have social security wages of $150,000 or more in the 2025 calendar year (as reported in Box 3 on their W2) will be required to make their catch-up contributions to a Roth (after-tax) account, rather than on a traditional pre-tax basis.<\/p>\n<p>The earnings amount will be indexed for inflation each year by the IRS.<\/p>\n<p>This change may affect your tax planning and retirement savings strategy. Roth contributions are made with after-tax dollars, meaning you won\u2019t get a tax deduction up front, but your withdrawals in retirement (including earnings) are generally tax-free, provided certain conditions are met. Macalester\u2019s Payroll and HR team are not tax or financial advisors and cannot provide guidance on the personal impact this change may have. We strongly encourage you to consult with a qualified tax or financial professional who can offer advice tailored to your individual situation.<\/p>\n<p><!-- \/wp:table --><\/p><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-2\"\n\t                        id=\"accordion-group-heading-button-2\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Macalester Retirement Contribution<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-2\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p><!-- wp:paragraph --><\/p>\n<p>For all eligible employees, 日韩精品 contributes 10% of the regular base salary to a retirement account with immediate vesting.\u00a0 These are unmatched funds that are not dependent upon your personal contributions.\u00a0 Macalester\u2019s contributions are made on a pre-tax basis.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>To be eligible for the Macalester retirement contribution, you must:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li>Not participate in a collective bargaining unit (pension funds)<\/li>\n<li>Have completed one year of eligible employment<\/li>\n<li>Work 1,000+ hours per calendar year<\/li>\n<\/ul>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>Macalester contributions will begin on the first day of the quarter (January 1, April 1, July 1, or October 1) following your eligibility date. Please note that the one year waiting period is waived for any eligible employee who was employed by another college\/university or 501(c)(3) where the employer contributed to that employee\u2019s retirement plan within six months prior to being employed by Macalester.<\/p>\n<p><!-- \/wp:paragraph --><\/p><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-3\"\n\t                        id=\"accordion-group-heading-button-3\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Establishing Your Online Retirement Account &amp; Maintaining Beneficiaries<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-3\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p>日韩精品 the <a href=\"https:\/\/www.tiaa.org\/public\/index.html\">TIAA website<\/a> to establish new user access, view individual retirement account information, and maintain beneficiaries.<\/p><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-4\"\n\t                        id=\"accordion-group-heading-button-4\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Frequently Asked Questions<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-4\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p><!-- wp:heading {\"level\":3} --><\/p>\n<h3>Enroll or Change Your Retirement Election<\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>日韩精品 the <a href=\"https:\/\/id.quicklaunch.io\/samlsso?tenantDomain=macalester.edu&amp;spEntityID=secure.bswift.com\">Benefits Portal<\/a> to enroll or change your retirement election online. Contact Human Resources with questions.<\/p>\n<h3>Assistance with Planning for Medicare<\/h3>\n<p>If you are looking for information and guidance on Planning for Medicare, please contact our resource at the Breitenfeldt Group. <a href=\"https:\/\/www.macalester.edu\/human-resources\/benefits\/planning-for-medicare\/\">Click here to learn more<\/a>.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3>Funding Allocations<\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Initial contributions are default funded into a target date retirement fund utilizing your date of birth to align with the corresponding target date retirement fund.\u00a0 Once enrolled, you can change allocations of existing balances and future contributions if desired to a variety of available mutual funds and annuities.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3>Updating Beneficiaries<\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Beneficiaries are entered, updated and maintained through your individual online account with TIAA.\u00a0 New participants will be prompted to enter beneficiary information when establishing initial online account access to TIAA.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3>Transferring TIAA funds<\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Macalester\u2019s contributions to your Retirement Plan cannot be transferred to separate employee contributions. With TIAA\u2019s transfer policy, however, a participant may only transfer 10% per year for 10 years from their TIAA accumulations for all contributions made in their \u201ctraditional fund\u201d options. Transfers can take place only once per calendar year.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3>Accessing Funds<\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Participants do not have access to retirement funds while actively employed by the College unless the participant is at least age 59 1\/2. This includes both the employee and the Macalester employer contributions.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3>Departing Macalester<\/h3>\n<p><!-- \/wp:heading --> <!-- wp:list --><\/p>\n<ul>\n<li><span style=\"font-weight: 400\">If your account balance is less than $1,000, it can be rolled over into another existing qualified retirement account or an IRA. However, if you do not respond by the due date, your account balance will be cashed out (minus all applicable taxes) and mailed to your address on file.<\/span><\/li>\n<li>You will receive a notice from TIAA and you must take action by contacting TIAA prior to the deadline listed in your individual notice from TIAA and let them know which option you would like to take.<\/li>\n<li>If you do not take action, account balances of less than $7,000 will be rolled over to an IRA with <span style=\"font-weight: 400\">Inspira Financial Trust Company<\/span>.<\/li>\n<li>Accounts with balances of less than $7,000 may be rolled into another existing qualified retirement account or cashed out and taxed accordingly.<\/li>\n<li>Upon retirement or termination, participants may take cash distribution of up to 100% from their accounts. Exception: Dollars invested in TIAA traditional would be paid out over a ten year period unless the total amount is less than $2,000. However, it is not recommended that you cash out your retirement funds due to tax penalties.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-5\"\n\t                        id=\"accordion-group-heading-button-5\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Resources<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-5\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><ul id=\"block-c54996a1-2c2c-46e3-961d-726bb083f41f\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block is-selected wp-block-list rich-text\" role=\"document\" aria-label=\"Block: List\" data-block=\"c54996a1-2c2c-46e3-961d-726bb083f41f\" data-type=\"core\/list\" data-title=\"List\">\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2017\/12\/Update_Your_HSA_and_Retirement_Contributions.pdf\">How to Update your Retirement Contributions Online<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2013\/12\/RET_Roth_403b_Option_Summary_FAQ_TIAA-CREF.pdf\">Roth 403(b) &#8211; Option Summary and FAQ (TIAA)<\/a><\/li>\n<li><a href=\"https:\/\/www.tiaa.org\/public\/learn\/retirement-planning-and-beyond\/pre-tax-contributions-or-roth-after-tax-deferral\">Pre-tax vs Post-tax contributions: Which is right for you<\/a><\/li>\n<li>If you are looking Planning for Medicare information and guidance please contact our resource at the Breitenfeldt Group. <a href=\"https:\/\/www.macalester.edu\/human-resources\/benefits\/planning-for-medicare\/\">Click here to learn more<\/a>.<\/li>\n<\/ul><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-6\"\n\t                        id=\"accordion-group-heading-button-6\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Scheduling Individual Meetings with a TIAA Consultant<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-6\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p>Individual <span style=\"font-weight: 400\">counseling sessions are provided through TIAA representatives and are available to all Macalester staff and faculty. No matter where you are in life, whether it is just getting started or planning for retirement\u2014a session with a TIAA Financial consultant can help you create a unique plan for your goals. And, it&#8217;s at no additional cost as a part of your retirement plan. You&#8217;ll get answers to these questions and more:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Am I invested in the right mix of investments to help meet my goals?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Am I saving enough to create the retirement income I need?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">How do I take income from my retirement account once I stop working?<\/span><\/li>\n<\/ul>\n<p>To schedule your individual counseling session, visit <a href=\"http:\/\/www.tiaa.org\/schedulenow\">www.tiaa.org\/schedulenow<\/a>\u00a0 and follow these steps to complete your registration:<\/p>\n<ul>\n<li>Log in using your TIAA.org credentials or register for access or create a Guest access ID<\/li>\n<li>Select Macalester as the employer<\/li>\n<li>Select Minnesota as the state<\/li>\n<li>Choose a meeting topic<\/li>\n<li>The next section of \u201cHow would you like to meet\u201d is set for \u201cwith video\u201d\n<ul>\n<li>From here you can choose an available date you would like to meet and an available time<\/li>\n<li>You&#8217;ll enter your preferred email address (you&#8217;ll receive a confirmation email and a reminder email)<\/li>\n<li>And you can add any additional notes<\/li>\n<\/ul>\n<\/li>\n<li>You\u2019ll click the \u201cConfirm\u201d button and the meeting will get scheduled!<\/li>\n<li>If there\u2019s an error in any part of the previous sections, you should receive a note in Red and know what to correct<\/li>\n<\/ul><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-7\"\n\t                        id=\"accordion-group-heading-button-7\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">TIAA Webinars<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-7\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p>Employees have access to webinars through TIAA for no cost as they are apart of our retirement plan. These webinars are generally one hour in length. Reserve your spot now by visiting <a href=\"http:\/\/tiaa.org\/webinars\">TIAA.org\/webinars<\/a>. Recordings of the webinars are made available 90 days after the live event.<\/p>\n<h2>November Webinars<\/h2>\n<ul>\n<li>November 5th,2025: Naming Your Beneficiaries: Why it Matters<\/li>\n<li>November 13th, 2025: How to Get The Most Out of Your Retirement Income<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Read more about the <a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2025\/10\/TIAA-2025-Live-Webinars_NOVEMBER.pdf\">November Webinars<\/a><\/p><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-8\"\n\t                        id=\"accordion-group-heading-button-8\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Plan Documents<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-8\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><ul>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2017\/05\/RET_Summary_Plan_Description_Retirement_Plan.pdf\">Summary Plan Description: Retirement Plan (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2023\/05\/404_Notice-mailed-to-participants-via-tiaa-and-posted-on-mac-web-5.31.23.pdf\">Updated Commission, Fee Schedule &amp; Other updates to the customer account agreement (PDF)<\/a><\/li>\n<\/ul><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t    <\/ul>\n\t<\/div>\n<\/accordion-container>","protected":false},"excerpt":{"rendered":"<p>We encourage you to begin planning for your future by participating in Macalester\u2019s Retirement Plan.&nbsp; This plan will provide opportunity for financial growth throughout your employment with Macalester.&nbsp; Macalester offers a 403(b) plan for faculty &amp; staff invested through TIAA.<\/p>","protected":false},"author":1,"featured_media":0,"parent":2106,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-244","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/244","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=244"}],"version-history":[{"count":103,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/244\/revisions"}],"predecessor-version":[{"id":10285,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/244\/revisions\/10285"}],"up":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/2106"}],"wp:attachment":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}