If the e-mail link is not working, it could mean you have not configured your e-mail account to work with your browser. The content of this website is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. For a complete listing of exceptions, check out the IRS website. NOT BANK GUARANTEED. Well help you sort through deciding which strategy may be right for you. Box 17603 Our Client Account Representatives are available to take your calls Monday to Friday (excluding holidays), from 8 a.m. to 8 p.m. (ET). Be aware of the withdrawal rules, so you can avoid paying penalties and taxes. NOT FDIC INSURED. 2In this document, all tax disclosures regarding Roth 401(k) contributions are limited to the federal income-tax code and, in particular, all references to tax-free treatment of qualified distributions are intended to refer to the treatment of such distributions at the federal level only. By requesting only what you need, paying it back as quickly as possible, keeping up with your contributions, and arranging to continue payments if you leave your company, you can minimize 401(k) loan drawbacksand keep your retirement plan on track. 200 Berkeley Street Returns are not representative of any particular investment. Loans can be habit forming. Regular mailing address John Hancock Signature Services, Inc. P.O. Box 219909 Kansas City, MO 64121-9909 There are a few key differences to be aware of. Schedule an appointment with your tax professional, if you have additional questions about whats best for you. Live chat:When you call the number above, youll have the option to talk with a representative through text. To turn prospects into clients, try to find a catalysta solution to a problem theyre experiencing. The initial meeting with plan sponsors is your opportunity to demonstrate why they should work with you. color: #fff !important; We need a phone number to keep your account secure. John Hancock USA and John Hancock New York each make available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. View our call center map so you know what to expect when you call. All rights reserved. The principal address is 601 Congress St, Boston, MA 02110. Is a Roth 401(k) different from a Roth IRA? background: linear-gradient(0deg, rgba(23,63,95,1) 0%, rgba(50,86,115,1) 35%, rgba(132,155,174,1) 100%); Please consult your own independent advisor as to any investment, tax, or legal statements made herein. John Hancock Freedom 529 John Hancock USA and John Hancock New York each make available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. A SECURE 2.0 summary of provisions, purpose, and timing. The business effective is September 23, 2011. Other potential advantages to a 401(k) loan include: The biggest drawback to a 401(k) loan is that the money you borrow doesnt earn an investment return, and this can cost you. The content of this document is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. It is not intended to provide investment, tax, plan design, or legal advice (unless otherwise indicated). You may defer your distribution to a later date. NOT FDIC INSURED. web design and development by new target, inc. 24 hours a day via either the internet at. WebJOHN HANCOCK RETIREMENT PLAN SERVICES LLC (Entity# 2011092300074) is a business registered with Secretary of State (SOS), Indiana. Please check your email for password reset instructions. MGTS-PS 309248-GE 06/22 309248 MGR0130232708663, You need to agree to the financial representative agreement to log in, Invalid format, avoid special characters or numbers, Cannot contain any characters that repeat more than twice. Please consult your own independent advisor as to any investment, tax, or legal statements made. There is no guarantee that any investment strategy will achieve its objectives. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC. If your employer offers a Roth 401(k), you may want to consider contributing to the Roth after-tax account, depending on your expected tax bracket, when you believe youll be making withdrawals or if you want to have multiple tax strategies to work with as part of your retirement savings approach. Enter the 6-digit code sent to your email, In order to change your phone number, we need to verify your identity. MemberFINRA|SIPC, 200 Berkeley Street, Boston, MA 02116. 401(k) loans have unavoidable drawbacks, but you can lessen their impact by doing these four things: While 401(k) loans can be a convenient alternative to a high-interest credit card, its important to remember that these loans can be harmful to your retirement plan since the funds you withdraw arent invested until theyre repaid, loan interest is taxed twice, and a loan not repaid can trigger taxes and penalties. Your Roth 401(k) distributions are also excluded as taxable income when Social Security is calculated. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hancock Life Insurance Company of New York, Valhalla, NY. NOT BANK GUARANTEED. All rights reserved. Please contact your financial professional or call 866-222-7498 to obtain a Plan Disclosure Document or prospectus for any of the underlying funds. Read You may wish to contact a tax advisor or financial professional to discuss the tax consequences and financial impact of taking a withdrawal or loan from your retirement plan. MGTS-PS 309248-GE 06/22 309248 MGR0130232708663, You need to agree to the financial representative agreement to log in, Invalid format, avoid special characters or numbers, Cannot contain any characters that repeat more than twice. Unless otherwise specifically stated in writing, each such company does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. John Hancock Annuities are issued by John Hancock Life Insurance Company (U.S.A.), Lansing, MI 48906, which is not licensed in New York. The business formed date is September 22, 2011. 20222023 John Hancock. You may also request one from your financial professional or by calling us at 800-225-5291. We have sent an email to {0}. We need a phone number to keep your account secure. Please check your email for password reset instructions. John Hancock Retirement Plan Services LLC provides administrative and/or recordkeeping services to sponsors or administrators of retirement plans through an open-architecture platform. The point is that you may have optionslets go through them. Please check your email for password reset instructions. If its received before 6:00 P.M., Eastern time, well respond to it by the end of the following business day. Find contact's direct phone number, email address, work history, and more. 20222023 John Hancock. John Hancock Signature Services, Inc. A John Hancock Representative will be presenting on the Plan and answering questions regarding your retirement. 7This is for individuals who attain age 70 after December 31, 2019. The business formed date is September 22, 2011. We'll send you a code to validate your phone number right now. If you are a participant in a retirement plan, a representative in our Participant Service Center can help: Plan Administrators: We need a phone number to keep your account secure. The content of this website is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. You can also type or copy the e-mail address into an e-mail. WebRollovers into your John Hancock Funds IRA and/or Roth IRA will be sent via electronic fu nds transfer and must satisfy minimum initial investment requirements. WebJohn Hancock Retirement Plan Services P.O. Foreside is not affiliated with John Hancock Investment Management Distributors LLC, Dimensional Fund Advisors LP or Manulife Investment Management (US) LLC. We need a phone number to keep your account secure. WebPay to the Plan Trustee. or call 1-800-333-0963 to speak to a client representative. WebIf you are still experiencing difficulty call 1-800-395-1113 to speak to a customer service representative between 8am and 8pm ET Monday to Friday. Several predetermined financial hardships that automatically qualify you for a hardship withdrawal are: Hardship withdrawals arent applicable to 457(b) plans; instead, 457(b) plans can permit unforeseen emergency withdrawals. Boston, MA 02116. Or, contact our National Relationship Management team. Typically, the interest rate on 401(k) loans is whats known as the prime ratecurrently, 4.75%; depending on plan rules, though, it may be higher. .btn-link { 2023 John Hancock. We have sent an email to {0}. 3Income restrictions apply to Roth IRA contributions. Baltimore, MD 21297-1603, John Hancock Freedom 529 %PDF-1.7 % Quick Links Get key information fast! Were also unable to provide account-specific information, such as account values, over email for the protection of your privacy. Enter the 6-digit code sent to your email, In order to change your phone number, we need to verify your identity. MGTS-P46613 -GE 3/22 46613 MGR0304222034905. Well share some tips to help avoid unwanted fiduciary status while still offering excellent service. We have sent an email to {0}. The benefits of building block model portfolios can help financial professionals achieve greater efficiencies in their practice. 20222023 John Hancock. jhpensionsps@jhancock.com PO Box 219909 Well send an authorization code to your email on file. Brokerage commissions will reduce returns. Each entity makes available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Please enter the email address you used when registering. NOT BANK GUARANTEED. SECURE 2.0 Act of 2022 was signed into law on December 29, with policy changes that will affect both the administrators of and participants in qualified retirement plans and IRAs. NOT FDIC INSURED. margin: 10px 0; Kansas City, MO 64121-9909, John Hancock Signature Services, Inc. Register, then enroll in your qualified plan. Movingor rollingeach account into an IRA is one way to help manage the complexity and volume. Depending on how quickly stocks bounce back, your loan repayments may buy shares at higher prices than the prices at which you sold when you borrowed. Keep track of key plan-related events and deadlines for 401(k) plans with our compliance calendar. John Hancock Center, 100-story mixed-use skyscraper, located at 875 North Michigan Avenue in Chicago and named after one of its early developers and tenants, the John Hancock Mutual Life Insurance Co. An error occurred while processing your request. Youll repay this amount, plus interest, back into your 401(k) account over time through payroll deduction. ET. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC. Please try again later. WebJohn Hancock Annuities Service Center PO Box 55445 Boston, MA 02205-5445 Overnight Mailing Center Annuities Service Center John Hancock 410 University Avenue, Suite Otherwise, please allow for two business days for a response. John Hancock Retirement Plan Services LLC provides administrative and/or recordkeeping services to sponsors or administrators of retirement plans through an open-architecture platform. John Hancock Trust Company LLC provides trust and custodial services to such plans. Shares may trade at a premium or discount to their NAV in the secondary market. Please try again later. Please check your email for password reset instructions. WebContact us : March 01, 2023 Boston, MA (not licensed in NY). You may also contact your state 529 plan or any other 529 education savings plan to learn more about their features. Cannot contain any characters that repeat more than twice, What to do before taking money out of your 401(k) in retirement. If you're rolling over Roth (after-tax) assets, you'll need a Roth IRA. 6A participant must satisfy the five-year holding period and attain age 59, die, or become disabled, or be a first-time home buyer ($10,000 lifetime limit), in order to be eligible to receive a tax-free, qualified Roth distribution. Head of Wealth and Asset Management Public Relations, United States and Europe. This information does not constitute legal or tax advice with respect to any taxpayer. 5A participant must satisfy the five-year holding period and attain age 59, die, or become disabled in order to be eligible to receive a tax-free, qualified Roth distribution. All rights reserved. Access instant information about your local Regional Vice President and their team. Call 1-800-395-1113 if you have a numerical contact number or are calling about a 401(k) plan with under 200 employees. WebLog in to your John Hancock retirement account My Plan for Retire me nt Username Password or Forgot Username and/or Password? In New York, John Hancock Annuities are issued by John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Jeff Kobs, Assistant Vice President, Benefits Consulting Group John Hancock Retirement. A Roth 401(k) plan is an employer-sponsored retirement savings account that lets you contribute money directly from your paycheck after taxes have been taken out. It is not intended to provide investment, tax, plan design, or legal advice (unless otherwise indicated). NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC. Issuer in New York: John Hancock Life Insurance Company of New York, Unless otherwise specifically stated in writing, each such company does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. 3. 581 0 obj <> endobj 615 0 obj <>/Encrypt 582 0 R/Filter/FlateDecode/ID[<7DE888A78875445FB30B0A6CFCF4F59E>]/Index[581 71]/Info 580 0 R/Length 146/Prev 479794/Root 583 0 R/Size 652/Type/XRef/W[1 3 1]>>stream John Hancock Trust Company LLC provides trust and custodial services to such plans. WebSIMPLE IRA application | John Hancock Investment Mgmt A company of Manulife Investment Management Learn more PDF 967 KB SIMPLE IRA employee application Use these forms to establish a SIMPLE IRA at John Hancock Investment Management. Westwood, MA 02090. 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Speak to a customer service representative between 8am and 8pm ET Monday to Friday and taxes to be aware.... For Retire me nt Username Password or Forgot Username and/or Password their team your browser Berkeley Street Returns are representative... 219909 well send an authorization code to validate your phone number right now well help you sort through which. Web design and development by New target, Inc. 24 hours a day either! Disclosure Document or prospectus for any of the following business day the point is that you also! Also request one from your financial professional or call 866-222-7498 to obtain a plan Disclosure or... On the plan and answering questions regarding your retirement account over time through payroll deduction Returns are not of., 200 Berkeley Street, Boston, MA ( not licensed in NY.... One way to help manage the complexity and volume should work with your tax professional, if have! 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