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Vanguard

Find information about Macomb County’s 401a or 457b on our Vanguard page. There are also educational and advisory information available to Macomb County employees.

Below is information about the 401(a) Define Contribution plan in which full-time active employees hired after January 1, 2016, participate. This page also has information about the 457(b) Deferred Compensation plan available to all active Macomb County employees. Contact information and educational opportunities for Vanguard and FSDC Advisory, LLC, to get more retirement planning advice are also on this page. 

Vanguard Logo

 

Vanguard participant services at 800-523-1188   

Vanguard web portal

Investment advisor - FSDC Advisory LLC

Macomb County partners with FSDC Advisory LLC to provide financial planning services. Their expertise as licensed financial advisers helps educate clients on different investment choices, such as the Vanguard fund options, retirement goal setting, and investment strategies. Michael Cho, Principal Financial Advisor of FSDC Advisory, LLC, is Macomb County’s designated investment advisor. He can be reached at Michael.Cho@FSDC-Invest.com or by phone at 248-564-1828.

 


 

Investment advisor - FSDC Advisory LLC - one-on-one in-person meetings and webinars

January 25, 2024 - One-on-One in person - HRLR

February 29, 2024 – Webinar Topic: Past, Present & Future One-on-One in-person sessions to follow webinar – HRLR

March 28, 2024 – One-on-One in person - HRLR

April 25, 2024 – One-on-One in person - HRLR

May 23, 2024 - Webinar Topic: TBD   One-on-One in-person sessions to follow webinar – HRLR

June 27, 2024 - One-on-One in person - HRLR

July 18, 2024 - One-on-One in person - HRLR

August 22, 2024 - Webinar Topic: TBD   One-on-One in-person sessions to follow webinar – HRLR

September 26, 2024 - One-on-One in person – HRLR

October 24, 2024 - One-on-One in person – HRLR

November 21, 2024 - Webinar Topic: TBD   One-on-One in-person sessions to follow webinar – HRLR

December 12, 2024 - One-on-One in person – HRLR

 


Vanguard and investment advisory sessions

Take charge of your financial future

Your financial health is about more than just dollars and cents—it’s about the
peace of mind that comes with knowing you can live and retire on your terms.
If you’re ready to take charge of your finances, Vanguard’s new financial
wellness resource can guide you in the right direction.

Financial Wellness announcement flyer

Q1 dates:

January 3

February 20

Q2 tentative dates:

May 5, 21

Q3 tentative dates:

July 30

August 29

 Q4 tentative dates:

October 8, 29

November 20


Vanguard Virtual Education Series (VES) Monthly Webinars

January: Financial Freedom

Registrations open December 6, 2023

Available On-Demand through March 8, 2024

February: Estate Planning

Registrations open December 6, 2023

Available On-Demand through April 5, 2024

March: Protect your Future/Plan Distribution Options

Registrations open December 6, 2023

Available On-Demand through May 3, 2024

April: Timeline to Retirement

Registrations open March 6, 2024

Available On-Demand through June 7, 2024

May: Save for College / 529

Registrations open March 6, 2024

Available On-Demand through July 5, 2024

June: Target Date Investments

Registrations open March 6, 2024

Available On-Demand through August 9, 2024

July: Retirement Income

Registrations open June 12, 2024

Available On-Demand through September 13, 2024

August: Getting on Track

Registrations open June 12, 2024

Available On-Demand through October 4, 2024

September: Principles of Investing

Registrations open June 12, 2024

Available On-Demand through November 8, 2024

October: Health Savings Accounts (HSAs)

Registrations open September 11, 2024

Available On-Demand through December 6, 2024

November: Estate Planning

Registrations open September 11, 2024

Available On-Demand through January 3, 2025

December: Timeline to Retirement

Registrations open September 11, 2024

Available On-Demand through February 7, 2025

401(a) Defined Contribution - Plan #097515

Macomb County has a defined contribution 401(a) plan. The required employee contribution is 3% of base wages. The County generously contributes six percent 6% of base wages per pay period. Employees are vested after five (5) years of service and are eligible to increase the contribution by 1% of post-tax base wages per pay period with a County match of 8% of base wages per pay period.

 


 

457(b) Deferred Compensation - Plan #078097

All part-time and full-time employees have the opportunity to participate in the 457b Deferred Compensation Plan and Trust. To begin participation, please take a look at the investment tools and information links below, then complete and return the Enrollment Form by mail or fax to Vanguard. Vanguard will establish your account in the Plan and electronically transmit your deduction amount to the County Finance Department to enter and maintain your payroll deduction.

**Contribution changes, account maintenance and all other information are handled directly with Vanguard Participant Services.

 


 

Direct rollover information

Employees can take assets from another plan and request a direct rollover into an established Macomb County 457 (b) Vanguard plan. Below is a rollover chart and a link to the IRS website on rollovers.

Rollover chart

457 (b) Contribution rollover form

https://www.irs.gov/retirement-plans/plan-participant-employee/rollovers-of-retirement-plan-and-ira-distributions

 


 

Name a beneficiary

  • If you have multiple plan accounts, you must designate a beneficiary for each account.
  • Register for online account access at vanguard.com/register; you need your plan number.
  • To name a beneficiary or change beneficiary information, log on to Vanguard and select Menu/My Profile/Beneficiaries.
  • You can access your account from your mobile device. Go to vanguard.com/bemobile to download the Vanguard app or from the app store.