Current Employee

Eligibility for the JHU 403(b) 4/8 Plan is based on your employment status.

Get plan details for:

• Support Staff who selected the plan as part of Retirement Choice or were hired July 1, 2009, or after
• Senior Staff hired July 1, 2011, or later
• Nontenured/Non-Tenure-Track Faculty and Non–Core Faculty hired July 1, 2011, or later
• Some Executives hired July 1, 2011, or later
• Unite Here Bargaining Unit Members who directly transferred to JHU employment or were hired August 1, 2022, or later

The JHU 403(b) 6/12 Plan allows eligible employees to make pre-tax contributions and receive contributions to their plan from the university.

Get plan details for:

• Senior Staff hired prior to July 1, 2011
• Faculty hired prior to July 1, 2011
• Tenured/Tenure-Track Faculty, and Core Faculty hired July 1, 2011, or later
• Executives hired prior to July 1, 2011
• Some Executives hired July 1, 2011, or later

The Pension Plan—offered to support staff members hired before July 1, 2009, who selected this option during Retirement Choice and to LIUNA bargaining unit members—pays a monthly retirement income based on length of service with the university, earning and salary history with the university, and age at retirement. In addition, eligible participants can make pre-tax contributions to the staff voluntary 403(b) plan and receive some matching university contributions.

Get information for:

• Support Staff
• LiUNA Bargaining Unit Members
• Staff Voluntary & LiUNA Bargaining Unit 403(b) Plan

The Income Deferral Plan is a 403(b) plan offered to residents, interns, and postdoctoral fellows who receive taxable compensation. Through the plan, you can make pre-tax contributions, and if you’re a full- or part-time resident or intern at the School of Medicine, you can receive university contributions to the plan of up to 1.5% of your annual base salary.

Not sure which retirement plans apply to you? Click the links below for details:

• Executives
• Faculty 403(b)
• Senior Staff 403(b)
• Support Staff 403(b)
• Staff Voluntary 403(b)
• Support Staff Pension
• LIUNA Bargaining Unit Employees’ Pension
• Income Deferral Plan for Residents, Interns, and Postdoctoral Fellows

SUPPORT FOR CURRENT EMPLOYEES

Marsh McLennan Agency (MMA)

To help you make decisions about your retirement investments, JHU has partnered with Marsh McLennan Agency (MMA), an independent investment advisor. Along with retirement plan advice, MMA can assist current JHU employees with other personal financial topics, including how to create a budget, plan for a big expense, and the best time to claim Social Security.

You also have access to MMA’s MMA Prosper Wise platform, a one-stop hub for all things financial planning. Through Prosper Wise, you can access educational videos, live and on-demand webinars, news articles, financial calculators, and more.

Through Prosper Wise, you can schedule time to meet virtually with a financial coach at no cost to you. MMA coaches are licensed professionals with expertise in retirement plans, investing, and financial education. They’re unbiased and do not sell products or receive commissions. To schedule a one-on-one financial coaching session, visit the MMA Prosper Wise platform, sign in, and select Talk with a Coach on the left hand side. You must sign up using your email if this is your first time accessing the platform. Do not use the option to sign in with JHED.

TIAA

You can also access personalized advice on the retirement plans’ investment menus from TIAA, our 403(b) retirement plan vendor. When you meet with a TIAA financial consultant, you’ll get answers to questions such as:

• Am I saving enough?
• Should I change or rebalance my investment strategy?
• Am I on track to meet my retirement goals?

Advice and education are available as part of the Johns Hopkins University retirement plan at no additional cost. Take advantage and schedule a virtual financial counseling session online, or by calling 800-732-8353, weekdays, 8 a.m. to 8 p.m. ET.

In-person consultations with TIAA are available for the following select dates in January 2025. Secure your consultation appointment today by registering here, or calling (800) 732-8353. Please note that an appointment is required and walk-ins are not accepted.

• Jan. 14 and 16, 2025, at the School of Nursing, 525 N Wolfe St. N2300, Baltimore, MD 21205
• Jan. 22 and 30, 2025, at Johns Hopkins at Eastern, 1101 E. 33rd St. B001, Baltimore, MD 21218

Learn more by exploring the education and learning site provided by TIAA. Their site provides an overview of investing basics and retirement planning, including information about asset allocation, Social Security, and other retirement topics. Planning tools and calculators are available so you can determine if you are on the right track towards your financial goals.

On-Demand Webinar Series

Learn more about preparing for retirement through this on-demand webinar series. Specially trained, licensed MMA financial coaches offer informative and interactive lessons, tailored to JHU’s retirement plans, that can help you progressively build your knowledge from foundational to advanced topics.

• Determining Your Goals, Needs, and Investing Preferences: 

  Click here to view recorded webinar.  Passcode: 4=x3uqa9

• Investing in the Markets:  

  Click here to view recorded webinar.  Passcode: LQ3c^9Q%

• All about Funds:  

  Click here to view recorded webinar.  Passcode: FR5pv!UE

• Building a Retirement Portfolio:  

  Click here to view recorded webinar.  Passcode: %l=v3qH@

• Annuities:  

  Click here to view the recorded webinar.  Access Passcode: =uS@d5kp

• Self-Directed Brokerage Windows:  

  Click here to view the recorded webinar.  Access Passcode: 3Sx9+E?!