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Human Resources - Room 339, Lone Mountain Main
Human Resources is located in Lone Mountain Main, Room 339
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Financial Workshop for Women
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Voluntary 403(b) Retirement Plan

USF's Voluntary Retirement Plan 403(b) helps benefits-eligible faculty and staff save now for future living expenses while also saving on taxes today.


  • You will be automatically enrolled in the 403(b) plan with TIAA-CREF at 3% of your salary.
  • Pre-Tax contributions are deducted from your paycheck and deposited into an established TIAA-CREF account. You can choose how to invest these contributions by simply accessing your TIAA-CREF account online or speaking with a customer service representative. The Qualified Default Investment Alternative (QDIA), if you choose not to make an election, is the TIAA-CREF Lifecycle Funds.
  • You can increase or decrease the amount of your contribution or end auto enrollment at any time.
  • Your contributions are vested immediately.

Enrollment by Salary Reduction Agreement

If you are an eligible employee and you were not automatically enrolled in the Plan or opt to contribute a different amount you can do so at any time.

  • First, complete a Salary Reduction Agreement to elect a whole percentage or flat dollar amount you want to contribute per pay period as a pre-tax contribution or an after-tax Roth contribution and select an investment company (TIAA-CREF or Fidelity).
  • Next, complete an investment company application form, if were not previously enrolled in the Plan, and choose your investments. Return both forms to the Human Resources-Benefits Office.
  • You are eligible to contribute any amount up to the IRS limits of $18,000 up to age 50 and $24,000 for age 50 plus.
  • Your contributions are vested immediately.

Roth 403(b)

Roth 403(b) can offer an additional way to save for retirement and generate tax-free retirement income with TIAA-CREF and/or Fidelity Investments. Unlike a traditional, pretax 403(b), the Roth 403(b) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire.

Take the time to establish and monitor your financial goals at least annually by scheduling an appointment with a representative from the retirement plan provider. Here’s how:

One-on-one   Meet with a TIAA-CREF financial consultant on campus
View schedule and RSVP
Phone Call (800) 842-2252
Monday through Friday: 5:00 am to 7:00 pm
Saturday: 6:00 am to 3:00 pm
*All times are Pacific Time
Online Visit www.tiaa-cref.org/usfca
Fidelity Investments
One-on-one   Meet with a Fidelity Investments financial consultant on campus
View schedule and RSVP
Phone Call (800) 343-0860
Monday through Friday from 5:00 am to 9:00 pm
*All times are Pacific Time
Online Visit Fidelity's online booking page