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  • Who can I contact if have an issue related to the program or have more questions?

    You can find many answers to program details here, or you can call our helpful and knowledgeable account representatives at 1-844-692-1073, Monday – Friday, 8 a.m. – 5 p.m. MT.

  • Who is responsible for choosing the available investment options?

    The Colorado SecureSavings Board, whose mission is to “promote and enhance retirement savings for private sector employees in the State,” is responsible for making decisions about the investment options available in the program.

  • Who is responsible for choosing the investment options for participants?

    The Colorado SecureSavings Board in the Colorado Department of the Treasury is responsible for making decisions about the investment options available to participants of the program.

  • Why does a program like this exist?

    The retirement savings crisis is a serious problem in the United States. In fact, nearly 70% of Americans are concerned that they don’t have enough money for retirement.1 In Colorado alone, nearly 940,000 workers don’t have access to a qualified retirement savings plan at work, and the State moved...

  • Why does the program include an auto escalation of contributions?

    Colorado SecureSavings aims to improve access to retirement savings accounts for workers and improve outcomes when it comes time to retire. A savings rate of 5% is a good place to start, but employees may need to save more than 5% over time to achieve financial security in retirement. Research...

  • Why don’t Colorado SecureSavings contributions show up on my W2?

    Colorado SecureSavings acts as a payroll deduction IRA, not a retirement plan as defined for the W2, so you won’t see your contributions reflected on your W2. Your IRA trustee will file Form 5498 IRA Contributions Information with the IRS, and you will receive a copy no later than May 31. You do...

  • Why isn’t there a national program like this?

    While Congress has not passed legislation for a nationwide program, several states, including Colorado, are establishing their own retirement savings programs to help workers save now.

  • Will my money be pooled with money from other city, state, or federal programs?

    It will not. Your money is yours and does not belong to anyone else. During the time you participate in the Colorado SecureSavings retirement savings program, your money will be pooled with other Colorado SecureSavings participants and invested only in the Investment Options for this program. You...

  • Will services be available in other languages?

    Yes, the call center will offer assistance in English and Spanish and will have access to translation services for other languages. Certain program information and materials will also be available in Spanish.

  • Withdrawal Request Form

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1-844-711-5001

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Colorado SecureSavings is governed by the Colorado Secure Savings Program Board (“CSSPB”), an instrumentality of the State of Colorado. Vestwell State Savings, LLC (“Vestwell”), dba Sumday Administration (“Sumday”), is the program administrator. Sumday and The Bank of New York Mellon are responsible for day-to-day program operations. Participants who use Colorado SecureSavings beneficially own and have control over their Roth Individual Retirement Accounts (“IRA”), as provided in the program offering set out at ColoradoSecureSavings.com.

Colorado SecureSavings’ investment options are selected by the CSSPB. For more information on Colorado SecureSavings’ investment options, go to ColoradoSecureSavings.com. Account balances in Colorado SecureSavings will vary with market conditions and are not guaranteed or insured by the CSSPB, the State of Colorado, the Federal Deposit Insurance Corporation (“FDIC”) or any other organization.

Colorado SecureSavings is a completely voluntary retirement program. Saving through a Roth IRA will not be appropriate for all individuals. Employer facilitation of Colorado SecureSavings should not be considered an endorsement or recommendation by your employer of Colorado SecureSavings, Roth IRAs, or the investment options in the program. Roth IRAs are not exclusive to Colorado SecureSavings and can be obtained outside of the program and contributed to outside of payroll deduction. Contributing to a Colorado SecureSavings Roth IRA through payroll deduction offers some tax benefits and consequences. You should consult appropriate professional advice or consultation if you have questions related to taxes or investments.

The Colorado SecureSavings name and the Colorado SecureSavings logo are trademarks of the CSSPB and may not be used without permission.

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