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  • Is there a limit to how much I can contribute?

    Yes, contribution limits for IRAs are set by the federal government. For 2024, you can save up to $7,000 per year if you’re younger than 50 and $8,000 per year if you’re 50 or older, as long as you have earned at least that much. If you are contributing to a Roth IRA, you also need to meet certain...

  • Is there a maximum percentage of income that can be contributed?

    There is no upper limit on the percentage of income that can be contributed; however, IRAs have annual contribution limits. Roth IRA contributions may be further limited by your income if it is above certain limits. Your contributions are made post-tax, and your employer can’t deduct more than the...

  • Is there a minimum age to be eligible to participate in Colorado SecureSavings?

    Yes, your employees must be at least 18 years of age to be enrolled in the program.

  • Is there a minimum age to participate in the program?

    Yes, the minimum age to enroll in Colorado SecureSavings is 18.

  • Is there a minimum retirement age for Colorado SecureSavings?

    There is no minimum retirement age associated with the program. There is a federal tax penalty for withdrawing any investment earnings from a Roth IRA before age 59½, unless it’s for a qualifying reason. Please consult with a tax expert or financial advisor.

  • Is there a waiting period before I can withdraw my money?

    You can take your money out of your account, which is a Roth IRA, at any time. But note that what funds you’re withdrawing, when you’re withdrawing them, and why will affect whether you’ll have to face any taxes or penalties. Although you can withdraw your contributions at any time without taxes or...

  • Is there an administrative fee or penalty for withdrawing my money?

    There is no administrative fee or penalty for withdrawing the money you put into your Roth IRA. That’s your money and you already paid taxes on it. The interest your money has earned is taxable and possibly subject to a 10% penalty if withdrawn before you are age 59½. Please consult with a tax...

  • Is there another way to set up my account or opt out?

    Yes. Just give us a call at 1-844-711-5001, Monday – Friday, 8 a.m. – 5 p.m. MT.

  • News

    Stay up to date on our news Welcome to our newsroom, a place to find the most recent news on Colorado SecureSavings. For media inquiries or any information requests, please contact: Sheena Kadi Public Information Officer Email: Phone:303-349-8113 Colorado SecureSavings in...

  • Payroll Providers

    Get help facilitating Colorado SecureSavings We’ve made it easy for employers to submit payroll contributions Employers that have registered with Colorado SecureSavings may choose to work with their payroll provider to administer the program. We’ve made this process easy. The employer portal...