{"id":2839,"date":"2024-07-11T18:06:39","date_gmt":"2024-07-11T18:06:39","guid":{"rendered":"https:\/\/dev.myretiremint.com\/401k\/"},"modified":"2025-05-29T21:02:00","modified_gmt":"2025-05-29T21:02:00","slug":"401k","status":"publish","type":"page","link":"https:\/\/myretiremint.com\/es\/401k\/","title":{"rendered":"401K"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=\u00bbstretch_row_content\u00bb background_position_desktop=\u00bbcenter top\u00bb css=\u00bb.vc_custom_1733681060624{margin-bottom: 0px !important;background-image: url(https:\/\/myretiremint.com\/wp-content\/uploads\/2024\/12\/401k-Page-Stool-image-scaled.jpg?id=1005) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00bb el_class=\u00bbheaderrow\u00bb][vc_column css=\u00bb.vc_custom_1720799542297{margin-top: 0px !important;padding-top: 220px !important;}\u00bb][vc_empty_space height=\u00bb125px\u00bb][\/vc_column][\/vc_row][vc_row full_width=\u00bbstretch_row\u00bb css=\u00bb.vc_custom_1726334032623{background-color: #00523DB3 !important;}\u00bb el_class=\u00bbheaderoverlay\u00bb][vc_column css=\u00bb.vc_custom_1726330425656{padding-top: 5px !important;}\u00bb][vc_column_text css=\u00bb.vc_custom_1726330990237{margin-bottom: 10px !important;}\u00bb]<span style=\"color: #ffffff;\">Planes + Servicios<\/span>[\/vc_column_text][vc_single_image image=\u00bb66&#8243; img_size=\u00bbfull\u00bb css=\u00bb.vc_custom_1720799728193{margin-top: -15px !important;margin-bottom: -15px !important;margin-left: -9px !important;}\u00bb el_class=\u00bbretiremint-headerimg\u00bb][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=\u00bb\u00bb el_class=\u00bbretiremint-toptext\u00bb]El plan UBG 401(k) es una forma que tienen las cooperativas participantes de ayudar a\u00fan m\u00e1s a sus empleados a prepararse para \u00ablo que pasar\u00e1 cuando dejen de trabajar\u00bb. Si piensas en la preparaci\u00f3n financiera ideal para la jubilaci\u00f3n como un taburete de tres patas, cuando se combina con los ingresos de la Seguridad Social y tu prestaci\u00f3n RetireMint, el plan 401(k) puede servir como la tercera pata de la preparaci\u00f3n. Entre sus ventajas se incluyen:[\/vc_column_text][vc_column_text css=\u00bb.vc_custom_1733681146639{margin-bottom: 10px !important;}\u00bb]<\/p>\n<ul>\n<li>Los planes 401(k) ofrecen l\u00edmites de aportaci\u00f3n elevados (aumentados a 23.500 $ en 2025), con aportaciones extraordinarias permitidas para los trabajadores pr\u00f3ximos a la jubilaci\u00f3n.<\/li>\n<li>Muchos planes 401(k) de empresa igualan generosamente las aportaciones de los participantes, con lo que aumentan efectivamente los fondos de jubilaci\u00f3n de los empleados.<\/li>\n<li>Los participantes en el plan 401(k) tienen flexibilidad para elegir d\u00f3nde invierten sus fondos en bolsa.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=\u00bbmiddle\u00bb css=\u00bb.vc_custom_1720799888762{margin-bottom: 0px !important;}\u00bb][vc_column width=\u00bb1\/3&#8243;][vc_single_image image=\u00bb1037&#8243; img_size=\u00bbfull\u00bb alignment=\u00bbcenter\u00bb css=\u00bb\u00bb el_class=\u00bbwidth75percent\u00bb][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_single_image image=\u00bb1032&#8243; img_size=\u00bbfull\u00bb alignment=\u00bbcenter\u00bb css=\u00bb\u00bb el_class=\u00bbwidth75percent\u00bb][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_single_image image=\u00bb1035&#8243; img_size=\u00bbfull\u00bb alignment=\u00bbcenter\u00bb css=\u00bb\u00bb el_class=\u00bbwidth75percent\u00bb][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1733846495967{margin-bottom: 0px !important;}\u00bb][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb]Act\u00faa como Administrador del Plan 3(16), compartiendo la responsabilidad fiduciaria con el Patrocinador del Plan en la administraci\u00f3n del plan 401(k).[\/vc_column_text][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb]3(38) Asesor de inversiones registrado (RIA) fiduciario y de primer nivel[\/vc_column_text][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"font-weight: 400;\">Empower es uno de los tres principales gestores de 401(k) de EE.UU.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1733846489509{margin-bottom: 0px !important;}\u00bb][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb el_class=\u00bbfs-16&#8243;]<\/p>\n<ul>\n<li>Apoya al personal de RRHH\/oficina\/direcci\u00f3n de la cooperativa en la administraci\u00f3n del plan<\/li>\n<li>Firma y presenta el formulario 5500<\/li>\n<li>Ayuda con el censo y cuestionario anual 401(k), auditor\u00edas 401(k), correcciones de n\u00f3minas, etc.<\/li>\n<li>Env\u00eda los datos de la n\u00f3mina a Empower y los env\u00eda para el pago ACH<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb el_class=\u00bbfs-16&#8243;]<\/p>\n<ul>\n<li>Gestiona la gama de fondos del plan UBG 401(k)<\/li>\n<li>Combina a todos los part\u00edcipes del plan UBG 401(k) para obtener un precio m\u00e1s bajo del Fondo Institucional<\/li>\n<li>Proporciona asesoramiento de inversi\u00f3n gratuito a los participantes en el plan UBG 401(k)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb el_class=\u00bbfs-16&#8243;]<\/p>\n<ul>\n<li>Experiencia m\u00f3vil totalmente transaccional<\/li>\n<li>M\u00faltiples niveles de seguridad para mantener seguros los datos financieros<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=\u00bbstretch_row\u00bb css=\u00bb.vc_custom_1733681912079{margin-bottom: 0px !important;background-color: #ABE5F9 !important;}\u00bb][vc_column][vc_column_text css=\u00bb\u00bb]<\/p>\n<h2 style=\"text-align: center;\">La potencia y la comodidad de uno.<\/h2>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb el_class=\u00bblargenumber\u00bb]<\/p>\n<p style=\"text-align: center;\">1<\/p>\n<p>[\/vc_column_text][vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: center;\"><strong>Sistema y fuente de veracidad para la supervisi\u00f3n administrativa<\/strong><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb el_class=\u00bblargenumber\u00bb]<\/p>\n<p style=\"text-align: center;\">1<\/p>\n<p>[\/vc_column_text][vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: center;\">Carga de n\u00f3mina y menos pasos para los Gerentes de Recursos Humanos<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00bb1\/3&#8243;][vc_column_text css=\u00bb\u00bb el_class=\u00bblargenumber\u00bb]<\/p>\n<p style=\"text-align: center;\">1<\/p>\n<p>[\/vc_column_text][vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: center;\">Sitio web y contrase\u00f1a para los participantes<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=\u00bbstretch_row_content\u00bb background_position_desktop=\u00bbcenter top\u00bb css=\u00bb.vc_custom_1733681060624{margin-bottom: 0px !important;background-image: url(https:\/\/myretiremint.com\/wp-content\/uploads\/2024\/12\/401k-Page-Stool-image-scaled.jpg?id=1005) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00bb el_class=\u00bbheaderrow\u00bb][vc_column css=\u00bb.vc_custom_1720799542297{margin-top: 0px !important;padding-top: 220px&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-2839","page","type-page","status-publish"],"acf":[],"_links":{"self":[{"href":"https:\/\/myretiremint.com\/es\/wp-json\/wp\/v2\/pages\/2839","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myretiremint.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myretiremint.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/myretiremint.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/myretiremint.com\/es\/wp-json\/wp\/v2\/comments?post=2839"}],"version-history":[{"count":1,"href":"https:\/\/myretiremint.com\/es\/wp-json\/wp\/v2\/pages\/2839\/revisions"}],"predecessor-version":[{"id":2842,"href":"https:\/\/myretiremint.com\/es\/wp-json\/wp\/v2\/pages\/2839\/revisions\/2842"}],"wp:attachment":[{"href":"https:\/\/myretiremint.com\/es\/wp-json\/wp\/v2\/media?parent=2839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}