Universal Retirement is proud to work with the Clark County School District and its employees. Universal Retirement has been helping CCSD employees with their 403(b) and 457(b) retirement plans for over 10 years.

A 457(b) is a tax-sheltered savings plan that allows contributions to be made prior to paying income tax. Using this type of plan you are able to contribute more to your retirement savings account which allows more interest to compound over time. One drawback however is that when money is taken out during your retirement years, regular income tax will have to be paid.

Saving for retirement is a crucial habit that will make the difference between having the retirement of your dreams or working more years than expected.


Similar to a 403(b), the I.R.S. places contribution limits on 457(b) accounts. For 2015, an annual contribution of $18,000 is allowed. If you’re over 50 years old then that limit goes up an additional $6,000 to $24,000.

Unlike 403(b) plans, 457(b) plans allow easier access to your money throughout your career. The I.R.S. tax code governs the rules of the 457(b), but the CCSD and financial companies also have rules to follow. Our advisors can explain these in more detail.

Many people enjoy the convenience of having their 457(b) contributions taken directly from their paycheck each payday. Automatic contributions can make it easy to reach your retirement goals. Contact us today to set up your automatic payroll deductions.

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“I have been so impressed with my IUL! I was able to borrow money from my fund, continue to make returns on my money in the fund, and then reinvest the money I borrowed to make astronomical returns! This has provided an amazing opportunity to leverage my investments into programs that fit my needs. I have since referred my closest friends to Universal Retirement. They take the time to walk through your strategy and objections to figure out what works for you!”

Larry White Jr.
Catalyst & Creator of Opportunities

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