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How to Enroll

(For Employees of U.S. URJ Congregations and Reform Movement Organizations)

It’s a great day to start investing in your future!

Becoming an RPB participant is simple and easy. This page will walk you through the steps.

After your employer sets you up in the system, you’ll receive an email from RPB about what you'll need to do to complete your enrollment.

Start preparing now, so you’ll be ready when you receive that email.

Step 1: Learn about RPB and its retirement plan.

VIDEO: LEARN ABOUT RPB

Have questions? We’re here to help.

Contact our participant services team.

Robert Perry, Director of Participant and Employer Services
646.884.9890
rperry@rpb.org

Nicole Daniel, Participant Account Associate
646.884.9891
ndaniel@rpb.org



Step 2: Decide how much to save.

  • Decide how much you want to contribute from your paycheck to your retirement account. Use this calculator to see how different contribution amounts can grow over time.
  • Choose whether you want to make pre-tax or post-tax Roth contributions—or both. Use this calculator to forecast how much you may pay in taxes during retirement based on each type of contribution.
  • Think about your financial goals. Start contributing early and increase your contribution amount when your financial situation permits.
  • Important! Talk to your employer about elective deferrals. Your employer will provide you with an elective deferral form, which you will use to indicate the amount you’d like to contribute to your retirement account from each paycheck, and whether you’d like your contributions to be pre-tax, post-tax Roth, or both. Your employer cannot complete your enrollment until they receive this form.
  • Keep in mind:
    • Both you and your employer (at their discretion) are able to make contributions to your 403(b) account.
    • The IRS limits how much you can contribute to your account each year. These limits include contributions from you and your employer (if applicable). They are adjusted annually and are higher if you are age 50 or older. If you’re concerned about your employer’s contributions exceeding the limit, you can read about RPB’s Rabbi Trust plan—a non-qualified deferred compensation plan.

Throughout your career, it’s recommended you save at least 18% of your annual income. If that doesn’t work for your financial situation, consider saving between 4% – 12% of your current income to start and increase the percentage over time.

The earlier you start contributing to your retirement account, the more time your investments have to grow and potentially benefit from compounding interest. In brief, compounding means any earnings on your investments go back into your account without being taxed and can potentially generate their own earnings.


Step 3: Review your investment options.

  • Read about RPB’s Tier 1 Growth and Income Fund. During enrollment, your account will be automatically invested in this fund, which is designed to achieve moderate growth with a lower level of volatility than the Plan’s more aggressive funds. Like all of RPB’s Tier 1 funds, it has diversification built in.
  • Decide how to adjust your investments. Once you're enrolled, you must take action to move your investments out of the Growth and Income Fund and into any other fund(s) you choose.

Descarga esta informacion en español.

This information is available in Spanish too. Download it here.

VIDEO: CHOOSING INVESTMENTS


Step 4: Go online to complete your enrollment.

After your employer has set you up in RPB’s system, you will receive an email from RPB letting you know it’s time to go online and complete your enrollment. Once you receive that email, finish enrolling:

  • Set up your MyRPB for Participants account by going to rpb.org, clicking "LOG IN" in the upper right corner, and then clicking “LOG IN” under “Participants”. This will take you to the Fidelity NetBenefits page, where you’ll click “New User” under “Register Now”, and then follow the instructions to set up your login credentials.
  • Adjust your investments and add both retirement account and life insurance beneficiaries through your MyRPB for Participants portal. Read the MyRPB for Participants User Guide for detailed instructions on using the portal. From the portal homescreen:
    • Click “Manage Investments” to review and change your investments.
    • Click “View/Update Beneficiaries” to add both your retirement and life insurance beneficiaries. (You should add life insurance beneficiaries even if you do not yet qualify for RPB's free life insurance.)

If you already have an account with Fidelity (a brokerage account, IRA, or another workplace account), you can log in to your new RPB account using your existing Fidelity credentials here, rather than creating a new account.



Step 5: Learn about RPB’s insurance options offered at no or low-cost to you.

Along with your retirement savings, it’s important to have other safety nets in place to help provide financial security for you and your loved ones.

  • Read about each of RPB’s insurance offerings in our Insurance Explainer or on our website:
  • To enroll in LTD, talk to your employer.
  • You will be automatically enrolled in Free Basic Life Insurance and Contribution Insurance when you contribute at least 10% of your compensation to the RPB Plan annually. Contributions may come from the employee, the employer, or both.
  • Call RPB directly to purchase additional life insurance coverage over the basic amount.


Follow up: Proactively monitor your account.

Saving for retirement is not ‘set it and forget it.’ Your goals and life situation change as you move through your career. Don’t forget to check in on your RPB retirement account periodically and adjust it when needed.

  • Log into your MyRPB for Participants web portal (go to rpb.org and click “LOG IN” in the upper right hand corner) to review your account:
    • Assess whether you are able to increase your contribution amount.
    • Decide if you’d like to adjust your investments.
    • Ensure that your beneficiary information for your retirement and insurance plans is correct and up to date.
  • Continue learning about retirement planning.
    • Schedule a free one-on-one consultation with a Fidelity financial planner to discuss your goals (available in English or Spanish):
      • English: 800.328.6608
      • Español: 800.587.5282
  • Attend RPB’s webinars or our annual retirement planning seminar to prepare for retirement.
  • Consider consolidating your retirement savings with RPB, if you currently have assets in another qualified retirement plan (401(k), 403(b), 401(a), governmental 457(b), SIMPLE IRA,) or a rollover IRA. Visit rpb.org/rollovers for more details.
VIDEO: RPB ANNUAL RETIREMENT SEMINAR

How often you’ll need to check on your investments depends on which tier you’re invested in. Tiers 2 and 3 require more management on your part, than Tier 1.


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