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Employee 401(k) Assistance: 678·590·3119

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Welcome, Delta Air Lines® Employees.

Have you ever wondered what  your 401(k) plan terms mean, with questions like:

✓ How much should I be contributing?

✓ How do I choose my investments?

 Are these my only investment options?

What if we told you there's an easy way to get custom 401(k) reallocation recommendations?

Get to know 401(k) Optimizer®, a data-driven retirement tool that aims to help your employer plan work harder for you. Receive ongoing guidance straight to your email and/or text and make better decisions about the money in your 401(k), 403(b), or 457.

You don't need to be a Georgia Retirement Services (that's us!) client to utilize this tool: just think of us as your personal 401(k) specialists.

Now that's something to love. 

Learn more about 401(k) Optimizer® and how it can be integrated into your existing employer plan.

Here's How 401(k) Optimizer® Works:

 Post-registration: Log in to your financial institution where you will be able to make any allocation changes based on our recommendations. It's that simple.

Need to Find Your Employer Plan Name?

Delta Air Lines® offers a generous benefits package for its employees, with 100% salary match up to 6% and a 2% automatic contribution. For plan details, refer back to your plan material or log into your Delta portal. 

Common Delta Plans:

Your Hire Date: Prior to July 1, 2003

401(k) Retirement Plan

You should have the option to take a lump-sum distribution or explore annuity options:

  • Taking a lump-sum distribution: you can rollover the funds to an eligible IRA within 60 days of its distribution to avoid generating a taxable event
  • Choosing an annuity: decide between a single-life payout or a joint and survivor annuity

Your Hire Date: After July 1, 2003

Cash Balance Plan

Your annuity options are offset by social security. Your pension plan is in addition to a current cash plan. Both must be filed at the same time. 

Depending on when you begin to take social security or reach your full social security retirement age is how soon your monthly pension will begin to decrease. 

Frequently Asked Questions:

What is the 2022 maximum amount employees can contribute to a 401(k)?

 $20,500. Plan participants age 50 or older next year can contribute up to an additional $6,500. A catchup contribution will require a separate election. 

What is the difference between pre-tax and after-tax contributions?

Pre-tax contributions you pay taxes when you take money out at retirement. 

After-tax contributions when you have maxed out your pre-tax contributions, you may have the ability to make Roth IRA 401(K) contributions. 

What happens if my 401(k) contributions exceed my employer's match?

There is no penalty for a 401(k) overcontribution, but your employer will only match up to a specified percentage. If you have maxed out your contribution for the year, consider chatting with a wealth manager at Georgia Retirement Services to explore all investment options such as opening an IRA or backdoor Roth IRA. 

How do I receive notices from the 401(k) Optimizer® tool? Do I have to be your client in order to use this platform?

Receive market and HCM-BuyLine® text notifications straight to your mobile phone. You do not need to be a Georgia Retirement Services client in order to take advantage of this platform. 

What is a Self-Directed Brokerage Account (SDBA) and how does it potentially apply to me? 

A Self-Directed Brokerage Account (SDBA) allows you to have a wider range of investment options for your 401(K) employer plan. Assets remain in your existing retirement plan. This does not trigger a taxable event.

What is Georgia Retirement Services and what sort of additional financial support do you offer to investors like me?

We are a full-service financial firm with a network of professionals whose specialties range from rollovers to trusts, multi-generational wealth management, widow's benefits, inherited assets, and more. 

View All Services

Handpicked Resources for Delta Employees:
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What is an SDBA?

Self-Directed Brokerage Accounts are a viable option for many employees. Learn more about SDBAs and how they can open the door to additional mutual fund investment options.

Watch Video (2 Min)
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401(k) Optimizer®

A smart and easy way to manage your retirement plan, one of the biggest investments you'll ever make. Learn more about this powerful tool by Howard Capital Management.

Watch Video (2 min)
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HCM Buy-Line®

Listen to Howard Capital Management CEO Vance Howard discuss the HCM Buy-Line®, a mathematical resource for data-driven investment strategies.

Watch Video (2.5 min)

This is an optional service and is not endorsed by Delta Air Lines, Inc., 401(k) Optimizer by Howard Capital Management, or Cetera Advisors LLC. There is no affiliation between any of the named companies. All trademarks are property of their respective owners.

The HCM 401(k) Optimizer® is offered through Howard Capital Management, an SEC-registered investment adviser which only does business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.

All investments and investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor's portfolio. Information provided should not be construed as personalized investment advice. There can be no assurances that any investment or strategy will match or outperform any particular benchmark. Past performance is not a guarantee of future investment success.

Dollar cost averaging, asset allocation, rebalancing, and diversification strategies do not assure a profit or protect against losses in declining markets.

© 2020 Howard Capital Management, Inc. All Rights Reserved

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