Current Employee

Even if your retirement is decades away, it’s not too early to begin thinking about it. JHU’s retirement plans reward you for your contributions and help you build toward future financial security, so the earlier you start, the better.

Your particular plan depends upon your job classification and hire date.

JHU Retirement Plans

JHU 403(b) 4/8 Plan

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

Get plan details for:

JHU 403(b) 6/12 Plan

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:

Pension Plan Plus Staff Voluntary 403(b) Plan

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:

Income Deferral 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.

Decision Support and Advice


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 Prosper Wise website, a digital platform and 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 Prosper Wise website, sign in, and select Talk with a Coach on the left hand side.


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 back in 2024! Click to view the schedule and register for your appointment in East Baltimore or Homewood. Please note that an appointment is required and walk-ins will not be accepted.

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?!