403(b) Guide

For employees working in education, healthcare, charities and other tax-exempt organisations, a 403(b) can play a central role in building long-term retirement savings. While these plans share many similarities with 401(k)s, they also have their own features, investment structures and planning considerations that are important to understand.

Our free guide explains how 403(b) plans work, covering contributions, tax treatment, investment options, plan design and career changes. It also explores the additional considerations that can arise for internationally mobile professionals and why a workplace retirement plan should always be viewed within the context of your wider financial strategy.

Whether you're contributing to your first 403(b), reviewing an existing plan or planning for retirement, this guide provides a clear overview of one of the most widely used retirement arrangements available to employees in the non-profit sector.

• What a 403(b) is and how it works
• How workplace contributions and employer arrangements operate
• The tax treatment of 403(b) plans and why it matters
• The investment options available and how plan design can differ between providers
• What happens to your retirement savings when you change employer
• The additional considerations for internationally mobile professionals
• The advantages and potential limitations of 403(b) plans
• How a 403(b) fits into a broader long-term retirement strategy

This guide is designed for:

• Teachers, lecturers and education professionals
• Healthcare employees and non-profit sector workers
• Individuals contributing to a 403(b) through their employer
• Those approaching retirement or changing employers
• Internationally mobile professionals with US retirement assets
• Anyone looking to better understand how a 403(b) supports their long-term financial goals

A 403(b) can be an effective way to build retirement savings throughout your career, but understanding how it fits within your broader financial picture is just as important as understanding the account itself. This guide provides a practical introduction to the opportunities, considerations and long-term planning decisions that can help you make the most of your retirement savings.

Download your free guide today and gain a clearer understanding of how a 403(b) could support your long-term financial strategy.