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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“Since my income is sporadic as a real estate agent, I needed a financial plan that was flexible. Universal Retirement designed a plan for us that works great because I can make contributions when I have a good month.

When money gets tight I can access my retirement savings without early withdrawal penalties and taxes.

They really understood our needs and designed a plan that was perfect for our family!”

Michelle Grant
Realtor, Realty One Group

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