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How long will it take to receive my money?
Please allow up to 3-5 business days. Distributions will generally be processed within 3 business days of your request. During periods of market volatility and at year-end, distribution requests may take up to 5 business days. For security purposes, there will be a hold of 15 calendar days when...
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How will I know when I can register and enroll my employees?
You’ll receive enrollment communications directly from Colorado SecureSavings via mail or email when the program is open for you to participate. This will also be your chance to certify your exemption from the program if you already offer a qualified retirement savings plan.
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How will I know when my account is close to the annual IRA contribution limit?
Colorado SecureSavings will monitor your account and notify your employer to stop contributions when you are nearing the limit. However, Colorado SecureSavings will not have information on your contributions to another Roth IRA, or any other IRAs you may have. You should ensure that the total of...
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How will I know when my contributions will auto escalate?
Colorado SecureSavings notifies participating savers about auto-escalation prior to any increase.
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I’m self-employed. Can I set up my own Colorado SecureSavings account?
Yes, if you are 18 or older, have earned income, are employed in Colorado, and are eligible to contribute to an IRA, you can sign up yourself here. You can set up automatic contributions through your bank account or contribute by check using a mail-in paper form after your account has been set up.
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If a business owner or shareholder is also an employee, are they eligible to participate?
Yes, they can participate if they are considered to be employees for tax purposes.
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If I do not have earned income, can I still join Colorado SecureSavings?
No, to qualify for any IRA under IRS regulations you need earned income.
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If I have another IRA, in addition to the State's program, does the contribution limit apply to each separately or to the combined amount?
The IRS's annual IRA contribution limits apply to the combined amount contributed to all of your IRAs, both Traditional and Roth.
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If I have employees in multiple states, including Colorado, do I just facilitate the State's program for employees in Colorado?
Yes, you would need to facilitate the program only for employees with income in Colorado.
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If I offer Colorado SecureSavings to my employees now and then decide to offer a qualified retirement plan later, what do I do?
Employers that choose to introduce a qualified retirement plan after enrolling employees in the Colorado SecureSavings program should contact our client services team at 1-844-692-1073 and request to “unregister.” We will begin the process of exempting your business from the program and adjusting...