401(k) PARTICIPANT

SERVICES

401(k) PARTICIPANT

LOGIN

To login to your account, please find and click on your 401(k) record-keeper.
 
You will then be redirected to your login page.

401(k) PARTICIPANT FAQ

How do I access my account?


If you have your login information at hand, please find your record-keeper above and click on its logo to be redirected to your login page. Please contact us or your human resources department if you do not have login information.




How do I reset my password?


Passwords are reset by the plan record-keeper, and contact information can be found on your quarterly statement. Please contact us if you need further assistance.




How do I request a loan or withdrawal from my account?


Current employees: contact your human resources department. Former employees: contact us. Please Note – 401(k) loans may not be available in all plans.




Where can I go for help and advice on my 401(k)?


As a participant in a Matisse Capital advised retirement plan, you have unlimited access to our team of professionals at no additional cost to you. Please do not hesitate to contact us to schedule a consultation.




Can I move a retirement plan with a former employer into my current 401(k)?


Generally speaking, you may “rollover” outside retirement plans or IRAs into your current plan. Please contact us, and we will confirm that your situation is eligible.





LEAVING YOUR EMPLOYER?

WHAT ARE YOUR 401(k) OPTIONS?

WITHDRAW YOUR MONEY (LUMP SUM DISTRIBUTION)


Advantages:

  1. Access to your money, should you need it.
Disadvantages:
  1. If you are under age 59 1/2, your withdrawal will be subject to a 10% IRS penalty and 20% tax withholding, unless you meet strict IRS exception guidelines. For more information, contact our professional team or your tax advisor.
  2. Any withdrawal from your retirement savings – even a small amount – will hurt your overall long-term goals.




ROLL OVER TO AN IRA


Advantages:

  1. You may invest in a wide-array of investment options, including stocks, bonds, or mutual funds.
  2. By consolidating your retirement accounts, it is easier to manage and track what you own.
  3. No taxes or penalties for doing a rollover, and there is no limit to how many rollovers you may request during your career.
  4. If permitted, you may be allowed to move your IRA into a future employer’s plan.
Disadvantages:
  1. For some people, the investment flexibility offered by an IRA is overwhelming. If you do not have the time or expertise to make investment decisions yourself, you may want to consider teaming-up with a financial advisor.
Matisse Capital provides free consultations on IRA Rollovers, should you need it.




REMAIN IN 401(k) PLAN


Advantages:

  1. You can continue to take advantage of the investment options offered in the plan and make changes as necessary.
  2. At a later date, you can move out of your previous employer’s plan and into your new employer’s plan, if allowed.
Disadvantages:
  1. You are limited to the investment options available within the plan.
  2. You may not contribute to your account.
  3. Some plans require you maintain a minimum balance to stay in the plan (often $5,000).





CONTACT YOUR MATISSE ADVISOR TODAY

We're here to help participants

The website is controlled and operated by Deschutes Portfolio Strategy, LLC dba Matisse Capital from its offices within the State of Oregon, United States of America. Matisse Capital makes no representation that materials on the site are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Matisse Capital or its affiliates to any registration requirement within such jurisdiction. Shares in the Matisse Discounted Closed-End Fund Strategy mutual fund are offered by prospectus only.

 

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