Welcome to your retirement plan

Live better, retire happier

Welcome! We’re excited to help you plan for the retirement you’ve always wanted.

Topeka USD 501 Retirement Plan selected Horace Mann because we are committed to helping those who help others. Like you, the people of Horace Mann are driven by the passion to make a difference. And that’s why we’re committed to help you reach your retirement goals. No matter where you are in your journey, Horace Mann will be with you every step of the way.

Learn more about Horace Mann.


What does the change to a new provider mean to you?

I’m currently contributing with another provider

Beginning with the October payroll your ongoing 403(b) contributions with your previous provider will cease. All new deposits will be directed to Retirement Advantage®. If you wish to change your current 403(b) contributions or elect not to contribute to Retirement Advantage, you must complete a new Salary Reduction Agreement. Please keep in mind, Horace Mann is the exclusive 403(b) provider for your elective contributions. Topeka USD 501 will no longer remit your contributions to other providers.

I’m currently contributing with Horace Mann Retirement Protector

Beginning with the October payroll your ongoing 403(b) contributions with Retirement Protector will cease. All new deposits will be directed to Retirement Advantage®. Because you previously decided to save with Horace Mann Retirement Protector, you now have the opportunity to move your current account over to the new program, Retirement Advantage®. Horace Mann has agreed to waive any surrender charges or fees associated with the transfer. In addition, you can increase your contribution rate at any time. Simply complete the Salary Reduction Agreement and return it to your administrator.

Learn more about Retirement Advantage.

I’m not contributing but would like more information or to enroll

If you’re not currently participating in the Topeka School District Retirement Plan, now is a great time to take advantage of this benefit. The earlier you start, the better off you may be down the road. If you’re ready to start, enroll here or utilize the mobile enrollment method at https://enroll.horacemann.com/T6TX.

When you utilize mobile enrollment you will automatically be invested in the Target Date fund that most closely aligns with your natural retirement age. The Target Date fund is the Qualified Default Investment Alternative (QDIA) selected by your employer.

Need more information? No problem. View this short video or review the Retirement Advantage Employee Fact Sheet. For more information, please don’t hesitate to reach out to Hilary Aubey at (785) 380-3737.

I’d like information about rolling over my account to Horace Mann Retirement Advantage®

If you have retirement money with a previous provider, a rollover can help you consolidate and manage your savings, making it easier to stay on track with your retirement goals. You have many options when it comes to choosing what to do with your current 403(b) account:

  • You may choose to roll the money over to Horace Mann Retirement Advantage® 403(b) account
  • You may choose to leave the money in the current account
  • You may choose to roll the money into an IRA with Horace Mann or your current financial professional*
  • You may choose to withdraw (cash out) your account*

Hilary Aubey, your dedicated Horace Mann representative can help you understand your options.

*Funds may not be available for rollover or distribution from the existing plan unless you have a qualifying event. You should consult a tax advisor when making decisions about what may be best for you and your financial situation.

If you decide a rollover to your Horace Mann Retirement Advantage® account is right for you, please complete the following steps or contact Hilary Aubey at (785) 380-3737 to assist you. You may also schedule an appointment online. It will be helpful to have your existing account statement handy with the following information:

  • Name of your previous plan provider
  • Anticipated account balance you wish to roll over
  • Type of account you are rolling over from

Steps to take:

  1. Contact your previous provider to get their specific transfer/rollover form. Locate your previous provider information . Complete and sign their transfer/rollover form.
  2. Complete Horace Mann’s Retirement Advantage Exchanges In Request Form
  3. Mail your previous provider and Horace Mann rollover forms to:
    The Horace Mann Companies
    c/o Topeka Public Schools Processing Team - Drew Williams
    1 Horace Mann Plaza
    Springfield IL 62715

 


Will you be ready for retirement?

Find out where you are today, where you want to be in the future and what steps you may take to get you closer to your goals.



Resources


Horace Mann Investors, Inc. offers Horace Mann Retirement Advantage™ as 403(b), 457(b) and 401(a) investment options through accounts provided by MSCS Financial Services Division of Broadridge Business Process Outsourcing, LLC, a DE Limited Liability Company. Horace Mann Investors, Inc., member FINRA, is located at 1 Horace Mann Plaza, Springfield, IL 62715. You can receive prospectuses from your Horace Mann representative, by calling 877-602-1870 or by visiting horacemann.com/retirementadvantage. You should read the prospectuses carefully and consider the investment objectives, risks, charges and expenses carefully before you invest or send money. The prospectuses will provide complete information about these subjects. As with all securities, mutual funds involve a risk of loss, including a loss of principal.

Custodial services are provided by Matrix Financial Solutions, 717 17th Street, Denver, CO 80202.

The information provided here is for general informational purposes only, and should not be considered a recommendation or investment, tax or legal advice. Retirement Advantage is not structured to the individualized needs of a particular plan, participant or beneficiary. The plan sponsor is responsible for selecting and monitoring investment options in which participants and beneficiaries may invest. Each investor needs to create an investment strategy for his or her own particular situation before making any investment decisions.

Target date funds are managed for investors planning to retire (or to begin withdrawing substantial portions of their investments) in a particular year. These funds provide both asset allocation and rebalancing for investors following an investment strategy that grows more conservative as the target date approaches. It is important to note the principal value of target date funds is not guaranteed at any time.

The factors which affect your decision and ability to contribute to a traditional or Roth IRA are complicated and can change each year. Contributions to traditional and Roth IRAs are aggregated for purposes of the annual limits. If you take money out before age 59½, you could be subject to a penalty tax of 10% in addition to income taxes. You should consult with a tax adviser for more information and to determine if an IRA is best for you.

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Need help? Contact us

Current clients: 800-677-2363

New enrollments: 844-895-0980

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