When it’s time to activate your retirement account on the Vestwell platform, you’ll receive a registration email with a link to complete a quick setup process. You will receive this registration email when your plan’s Blackout Period is over. It only takes a few minutes and ensures your account is ready for contributions and investing.

Here’s what to expect:

Step 1: Register Your Account

First, you’ll be prompted to:

• Create your username and password
• Verify your identity
• Confirm your personal details (such as name, address, and date of birth)

Be sure everything is accurate so there are no delays in managing your account. Once registration is complete, you’ll be automatically guided into the Onboarding Wizard to review your retirement elections.

Step 2: Set Up Your Contribution Rate

You’ll review your contribution election – the percentage or dollar amount you contribute from each paycheck.

If you previously had elections set up with Accrue, your current deferral rate will be automatically mapped over. You can:

• Keep your existing contribution rate, or
• Make changes before continuing

Tip: If your employer offers a match, consider contributing at least enough to receive the full match.

Step 3: Confirm Your Beneficiary

Next, you’ll review your beneficiary designation. If you previously named a beneficiary, that information will be mapped over to Vestwell.

You can:

• Keep your existing beneficiary, or
• Add or update your beneficiary information

Keeping your beneficiary up to date helps ensure your account is distributed according to your wishes.

Step 4: Review & Select Your Investments

Finally, you’ll review your investment selections. If you had investments selected previously, they will be mapped over during the transition.

Depending on your plan’s design, you may have access to:

• Goal-based investing (a personalized strategy aligned to your retirement income goals)
• Age-based investing (automatically adjusts as you get closer to retirement)
• Risk-based investing (choose a portfolio that matches your comfort with risk, such as conservative, moderate, or aggressive)
• Custom allocations (build your own portfolio from your plan’s available fund lineup)

You can:

• Keep your current investment selections, or
• Make updates before completing onboarding

Once You’re Set Up

After completing setup, you’ll have access to your Vestwell saver portal, where you can:

• Track your balance and investment performance
• Adjust your contribution rate
• Update beneficiaries
• Change investment elections
• Access educational resources