October is National Retirement Security Month, making it a great time to review your overall retirement plans. Your retirement doesn’t just happen — it’s something you build over time. From your first job to your final paycheck, every step matters. Whether you're just getting started, building momentum, or enjoying retirement, your plan offers tools and resources to help you stay on track. By contributing, educating yourself, and checking in with your plan, you can help harvest the future you want.

Qualified retirement plans, deferred compensation plans, and individual retirement accounts are all different, including fees and when you can access funds. Assets rolled over from your account(s) may be subject to surrender charges, other fees, and/or a 10% tax penalty if withdrawn before age 59½. Investing involves market risk, including possible loss of principal. No investment program or strategy, including asset allocation and diversification, can guarantee to make a profit or avoid loss, nor can it eliminate risk.

For any questions or to set up a meeting to help with your retirement planning. Please get in touch with the NFTA's Retirement Consultant (contact info below):

Mark Wallace, Retirement Consultant, CRC, NYS Deferred Compensation Plan, 614-854-4397, mark.wallace@nationwide.com

Information provided by Account Executives is for educational purposes only and is not intended as investment advice. NYSDCP Account Executives are registered representatives of Nationwide Investment Services Corporation, member FINRA, Columbus, Ohio.