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Simple IRA Enrollment Video

Your employer is offering a retirement plan called a Simple IRA through Capital Group (American Funds). You can deduct pre-tax money from your pay-check that will automatically be deposited into your Simple IRA and can be invested in a variety of options that are available on the platform. If you defer 3% or more from your paycheck, your employer will match that amount up to the 3%. 

Another benefit of the Simple IRA is that all of the employer match is immediately “vested” - if you were to leave the company the money you deferred plus the employer contributions are yours.

Enrollment Process

  1. Commit to saving for your future self, and submit your completed SIMPLE IRA form (1 page) to your HR representative or to our Operations Specialist via email (kim@fullcircleadvisors.com).
  2. Contact Dana (financial advisor) to discuss investment options**, deferral %, and any other questions.
  3. Complete the full application, sent digitally to you via DocuSign. Follow the instructions to electronically sign and submit 
  4. Your account should be ready for deferrals within 7-10 days. 

**If you don't contact Dana to discuss investment options, you will automatically be invested in the Target Date fund, an age-based portfolio that is diversified at a risk level based on how close you are to retirement age. 

The following links open documents or webpages from CapitalGroup (American Funds) and will redirect you from MakeSmartDecisions.com. Full Circle Financial is not responsible for any information found on these sites or documents:

Download Enrollment Document to Get Started

SIMPLE IRA Plus Employee Enrollment Guide

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.

All Capital Group trademarks, documents, and videos mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund of The Capital Group Companies, INC..Full Circle Financial and United Planners are not affiliated with the capital group companies, inc.

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