LT Trust: The Truly Employee-
Centric 401(k) Platform

Employees get lots of benefits when their employers choose
LT Trust as their 401(k) recordkeeper.

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Investing in a 401(k) Plan is Investing in Your Future

When you’re planning your future, what’s the vision you have for yourself for the coming years? Maybe you see yourself buying a house, starting a family, or traveling the world.

To ensure that you can enjoy your life through your golden years, contributing to a 401(k) is an essential part of planning for your future. When your employer partners with LT Trust, they’re giving you the best chance possible of retirement readiness.

Here are the employee features built into the LT Trust 401(k) platform:

Personalized Rate of Return

Responsive Participant Website

Helpful Customer Service Team

Quarterly Participant Statements

Retirement Calculators

High Quality Mutual Funds & ETFs

What is a 401(k)?

A 401(k) plan is a retirement plan sponsored by an employer.

According to Investopedia, a 401(k) plan is” an arrangement that allows an employee to choose between taking compensation in cash or deferring a percentage of it to a 401(k) account under the plan. The amount deferred is usually not taxable to the employee until it is withdrawn or distributed from the plan.

However, if the plan permits, an employee can make 401(k) contributions on an after-tax basis (these accounts are known as Roth 401(k)s), and these amounts are generally tax-free when withdrawn. 401(k) plans are a type of retirement plan known as a qualified plan, which means that this plan is governed by the regulations stipulated in the Employee Retirement Income Security Act of 1974 (or ERISA) and the tax code.”

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