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Can cannabis-related businesses facilitate Colorado SecureSavings?
Yes, cannabis-related businesses can facilitate Colorado SecureSavings.
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Can employers match employee contributions?
Colorado SecureSavings does not allow employer contributions. An employer's role is limited to facilitating the program for employees.
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Can I connect a bank account to my account?
Yes, we’ve made it even easier to access and handle funds by allowing you to securely log in and connect bank accounts. You can securely connect a bank via Plaid or manually add a bank account.
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Can I connect more than one bank account or type of account?
Yes, you can connect more than one bank account as well as multiple types of bank accounts. Each account and type will need to be connected individually, but you can have both savings and checking accounts linked to their account at one time.
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Can I contribute a set dollar amount per paycheck instead of a percentage?
Sorry, at this time you can only contribute a percentage through payroll deductions. If you’d rather contribute a dollar amount on a recurring monthly schedule, you will have to add a bank account to your Colorado SecureSavings account and contribute that way.
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Can I have a Colorado SecureSavings account plus another retirement savings plan?
You can contribute to more than one savings plan or account at a time. But remember, the IRS contribution limits are cumulative for all Traditional and Roth IRAs owned by an individual.
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Can I have a designated employee or payroll services provider complete the registration and enrollment process?
Yep. You can elect to add a “Teammate” as an administrator to your account to help facilitate the Colorado SecureSavings program if you choose not to do it yourself. This could be an authorized employee or even staff from your payroll provider. Best of all, the program is designed to work...
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Can I make a tax-free rollover from a 529 (college savings) account to a Colorado SecureSavings account?
Yes, beginning on January 1, 2024, you can make a tax-free rollover from a 529 college savings account to your Colorado SecureSavings account (or to any qualified Roth IRA). The rollover must be to a Roth IRA account in the name of the 529 account beneficiary, not in the name of the account...
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Can I make withdrawals if I work during my retirement?
Yes, you can make withdrawals from your account at any time. Consider whether a withdrawal from your Colorado SecureSavings account is really your best option. You may want to consult with a tax expert.
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Can I opt out of automatic contribution increases?
Yes, you can opt out of automatic contribution increases at any time online or by phone. Just visit the “Settings” section of your account.