The Douglas Company

Wealthspire is the Investment Advisor for your company sponsored retirement plan and we can help you with all of your retirement planning goals.

Plan Overview: How to get enrolled, change your contributions, access your account online, overview of the plan features.
Retirement Planning: Determine how much you need to retire, calculate if you are on track, discuss how to make changes to meet your goals.
Investment Advice: Risk tolerance assessment, review your current investments, provide investment advice and customize a plan for you.
Consolidating: Review of all your retirement accounts (IRA’s, prior employer retirement plans), provide rollover assistance & consolidation.
Budgeting: Create a plan that works for you, determine what debt to pay down first, review and assist with outstanding student loans.
Financial Solutions: Estate planning, IRA’s, life insurance, annuities, 529 college planning.

Plan Eligibility: You will be immediately eligible to participate in the Plan when you have attained age 21.

Traditional & Roth Contribution: You can contribute to your retirement plan as a Traditional pre-tax contribution or as a Roth after-tax contribution, or a combination of both.

Investments: You have a variety of investment choices within your 401(k) Plan. You will be defaulted into a Balanced Fund that holds a mix of stocks and bonds. You can re-direct those investments to any investment option offered within the Plan. Your investment options are listed on your Empower participant portal.

Your 401(k) account is administered by Empower. You can access your account online through the Empower website or by calling Empower Participant Services at 800-338-4015. The Empower site allows you to:

- Enroll in the plan or update your contribution amount

- Designate and manage beneficiaries

- View your account balance and manage investments

- Access statements and important plan documents

- Review withdrawal options and submit distribution requests

To access your account, visit empowermyretirement.com or click the link below. If this is your first time logging in, select the green “Register” button to set up your online account.

To begin your online enrollment, visit empowermyretirement.com or click the link below. To access your account for the first time, select Register, then choose “I do not have a PIN.” Follow the prompts to enter your information and create a username and password. If you already have another account with Empower, you will need to call Empower directly to receive your PIN.

Once logged in, you will complete the following steps to finish your enrollment:

Set Your Contribution Amount
This is the amount that will be deducted from each paycheck and contributed to your account. You can change your contribution amount at any time.
Standard Contributions: Apply your selected contribution amount to regular or base earnings only.
Other Contributions: Apply your selected contribution amount to any bonus pay.

Choose Your Contribution Type
You may elect Traditional (Pre-Tax) contributions, Roth contributions, or a combination of both.
Pre-Tax Contributions: Lower your taxable income for the year. Taxes are paid when you withdraw your contributions and earnings.
Roth Contributions: Made after taxes are paid. As long as it has been at least five years since your first Roth contribution and you are age 59½ or older, withdrawals of contributions and earnings are tax-free.

Select Your Investments
If you feel comfortable, you may choose your own investment funds. Your plan also offers Target Date Funds, which automatically adjust the mix of stocks and bonds based on the year you expect to retire. If you have any questions or need assistance with the enrollment process, please do not hesitate to contact your Wealthspire advisors. We’re happy to help.

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