Retirement Plan Resources

Understanding Your Plan

Your retirement plan is built to support you over time, and understanding how it works can help you make choices that feel right for your life today and your goals for tomorrow.

Plan Details

Summary Guide

403(b) Plan Details

ACCOUNT

Account Administrator

Empower services our 403(b) retirement plan, providing you with secure, online access to manage and monitor your retirement savings. Your account allows you to view and manage important information, including:

Account balance
Contribution details
Investments and performance
Statements and beneficiaries

Visit empower.com to log in to your workplace account. If you need assistance logging in or have questions about your account, contact Empower directly at (866) 467–7756.

The Empower App

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CONTRIBUTIONS

Choosing How to Contribute

Our plan offers a Roth (after-tax) option or the traditional (before-tax) option for our domestic participants and a voluntary (after-tax) option for our international participants. The main difference is the way each is taxed—now or later.

Roth contributions are withheld after taxes, meaning you pay your taxes up front. At retirement, your contributions and earnings can be withdrawn tax-free as qualified distributions if you are age 59½ or older and the account has been established for at least five years.

Traditional contributions are withheld before taxes, reducing your taxable income today. At retirement, your contributions and earnings will be taxable as distributions. Your taxable pay may be reduced with retiree housing allowance.

Voluntary contributions are only available to International Workers. Please contact the Missionary Payroll Coordinator to learn more.

When deciding how to contribute, consider:

Taxable income
Take-home pay
Tax at withdrawal

Understanding how each option affects you can help you choose what best supports your goals. Consider consulting a qualified tax professional for tax guidance.

CONSULTANTS

Plan Consultants

EverOak Wealth Co. is committed to offering world-class customized retirement plan services to organizations like The Alliance. In many ways, this change will allow an even stronger and primary focus on helping plan participants reach successful retirement outcomes.

Active plan participants can schedule a financial consultation with our plan advisors at EverOak Wealth Co. to manage risks, review investment strategy, and set financial goals—at no additional cost to you!

Visit everoakwealth.com or email [email protected] and an associate will follow up with you.

Learn more

INVESTING

Understanding Your Choices

We offer a top-notch mutual fund lineup which is regularly reviewed and monitored by the Investment Committee. Choose from 35 investment options, including:

Target-date funds
Money market funds
Bonds
Large-cap stocks
Mid-cap stocks
Small-cap stocks
Fixed-rate options
Screened funds

This lineup includes the Orchard Alliance fixed-rate option, which helps fund Alliance church growth. Ultimately, the lineup enables you to build a diversified portfolio.

If you do not make a selection on your enrollment form, your contributions will be invested in the Lifecycle Target Date Fund aligned with your age range. Financial Advisors Plan participants can schedule a financial consultation with our plan advisors at EverOak Wealth Co. to manage risks, review investment strategy, and set financial goals.

Review Your Summary Guide

Designed with members in mind, this document gives you a clear, easy-to-understand overview of your retirement plan. Inside, you’ll find key details about plan features, benefits, and the resources available to help you make informed decisions.

Download

Find Advice

Schedule a financial consultation with our plan advisors.

Learn more

Get Help

Contact Empower with general account questions.

(866) 467–7756

Log In

View your account balance and manage your funds.