RBFCU Freedom Retirement Plan™

A smart way to build your future

With the RBFCU Freedom Retirement Plan, you can create a plan you’ll feel confident about. This plan is offered through an exclusive partnership with Nationwide® and is available to employees in school districts and certain tax-exempt organizations served by RBFCU. It’s offered in 403(b), Roth 403(b), 457(b) and Roth 457(b) retirement plans with a variety of investment options, no front- or back-end sales charges and no transfer fees.


How does the RBFCU Freedom Retirement Plan compare?

 

Maximum charge allowed by TRS

RBFCU Freedom Retirement Plan

Sales charge6%None
Asset-based management fee2.75%1.06%
Annual fee$50$3

Source: https://www.trs.texas.gov/Pages/403b_maximum_fees.aspx

 


Know your choices when planning your retirement

403(b) Tax-Sheltered Account (TSA)

403(b)

• Tax-Sheltered Account (TSA)
• Pre-tax contributions
• Reduces your taxable income
• Taxes are deferred until withdrawn

Learn more about 403(b)

Roth 403(b) Tax-Sheltered Account (TSA)

Roth 403(b)

• Tax-Sheltered Account (TSA)
• After-tax contributions
• Does not reduce taxable income
• Allows earnings to grow tax-free

Learn more about Roth 403(b)

Group of people in a 457(b) plan

457(b)

• Deferred Compensation Plan (DCP)
• Pre-tax contributions
• Reduces your taxable income
• Taxes are deferred until withdrawn

Learn more about 457(b)

Group of people in a Roth 457(b) plan

Roth 457(b)

• Deferred Compensation Plan (DCP)
• After-tax contributions
• Does not reduce taxable income
• Allows earnings to grow tax-free

Learn more about Roth 457(b)

Request a complimentary consultation

To learn more about the RBFCU Retirement Program and benefits of enrolling, contact us at:

Calculators

  • What will my income be after I retire? What will my income be after I retire?
  • What will my expenses be after I retire? What will my expenses be after I retire?

FAQ FAQs

  • What is the difference between a 457(b) plan and a 403(b) plan?

    Both types of plans are tax deferred, but with the 457(b), you may withdraw when you leave your employer, or in the case of death, disability or unforeseen emergency, regardless of your age. Whereas with the 403(b), you can receive your distributions at age 59½, upon severance of employment or become fully disabled.

  • Can I transfer my 403(b) plan at any time?

    Yes. If you are still employed, you may transfer your 403(b) between eligible 403(b) providers. If you are no longer employed or otherwise meet a qualifying event, you become eligible to roll funds over to an IRA or other eligible retirement plan.

More FAQs

RBFCU Investments Group LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Securities sold, advisory services offered through CUNA Brokerage Services Inc. (CBSI), member FINRA / SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-2529771.1-0519-0621