To ensure the continued protection of participant information, account balances are not disclosed over the phone or via email. You may view your most up-to-date balance through your online account or your account statements.
Updating personal information such as Login ID, password, email address, security questions, phone numbers, beneficiaries, delivery preferences, and mailing address can all be done from your online account! Please follow the instructions below to do so:
1. Go to www.findec.com
2. Click Client Login
3. Under Workplace Retirement Plans, select Participant
4. Log into account
5. Click on My Profile
If you do not have access to your online account and would still like to make changes to your personal information, you may contact your Plan Sponsor. The Plan Sponsor must submit written confirmation of these changes via email to support@findec.com.
Please note that delivery preferences, Login IDs, and passwords cannot be changed by Plan Sponsors. If you are encountering any issues accessing your account and you are attempting to make changes to these specific options, please contact support@findec.com or call (855)-434-6332.
If you’re locked out and unable to reset your password, please call us at (855) 434-6332.
For your protection, we must verify your identity over the phone before assisting with account access.
Please follow the instructions below to recover/reset your Login ID.
1. Go to www.findec.com
2. Click Client Login
3. Under Workplace Retirement Plans, select Participant
4. On the bottom left, click Forgot Login ID
5. Enter last name, Social Security Number, and Date of Birth.
If you encounter any issues during this process, please contact our support team at support@findec.com or (855) 434-6332.
Please follow the instructions below to reset your password.
1. Go to www.findec.com
2. Click Client Login
3. Under Workplace Retirement Plans, select Participant
4. On the bottom left, click Forgot Password
5. Enter Login ID, Social Security Number, and Date of Birth.
If you encounter any issues during this process, please don’t hesitate to contact our help desk via email at support@findec.com or via phone at (855)-434-6332.
Please follow the instructions below to register your online account.
1. Go to www.findec.com
2. Click Client Login
3. Under Workplace Retirement Plans, select Participant
4. Click Register to access your account (bottom left)
5. Complete the steps to create your login
If you encounter any issues while registering such as not receiving a verification code, an error message of any kind, please contact our help desk via email at support@findec.com or via phone at (855)-434-6332.
There are a few different types of distributions depending on some
qualifying factors, but generally are:
Lump Sum (Cash): Taxed distribution of total account balance made directly to participant
In – Service Withdrawal: Distribution option for those who have attained normal retirement age (59 ½ years of age)
Rollover: The transfer of your retirement funds to a new qualified plan or new IRA provider
Hardships: Special early distributions for those experiencing hardships, please reach out to our support team to see if your plan allows for hardships and to see if you qualify
For security reasons, we kindly ask that all distribution requests are made from your online account. If you are unsure if you have registered in the past or are unable to access your online account, please review our FAQs page or contact our help desk at support@findec.com or (855)-434-6332.
If you are using a desktop/computer:
If you are using a mobile device:
Go to www.findec.com
Click Client Login
Under Workplace Retirement Plans, select Participant
Once logged in, please click YTD Return *it will ask if you’re ok navigating to desktop version of the page, click Ok
Click the Contact Us button on the bottom right corner
Scroll to the bottom and in the Questions/Comments box, please type “Confirmation of my distribution request”. This helps us verify that the request is coming directly from you.
When we receive this message, we will send out the distribution paperwork to be completed.
Once we receive and verify completed paperwork it will take 7-10 business days to process the distribution.
*Please note, as of now, there is no way to submit a formal request through the FinDec App.
Hardship Distribution Requests:
If you are requesting a hardship distribution, please type “Confirmation of my hardship distribution request”. Please include the reason and amount in your message. Your Plan Sponsor will be copied on our response, as their approval is required before we can process your request.
Per IRS guidelines and plan rules, the requested amount must be verified and approved. Please allow 1–2 business days for our team to review and determine the approved amount before we send your distribution forms.
Once we receive and verify your completed paperwork, processing typically takes 7–10 business days.
Direct Deposit (ACH): Additional 2–3 business days for funds to arrive.
Check: Additional 3–5 business days for mail delivery.
Go to www.findec.com
Click Client Login
Under Workplace Retirement Plans, select Participant
Once logged in, please click on Manage à Your Contributions
Please note that not all plans allow for contributions to be changed from your online account. Please contact your plan sponsor for more information.
Loans are a type of disbursement taken against your qualified account that allows you to withdraw your funds tax free. Payments are made on a periodic basis directly from your paycheck. Please reach out to our support team to see if your plan allows for loans and whether or not you qualify.
Distributions are a type of qualified disbursement of funds from your retirement account. Distributions in the form of lump sums are taxed disbursements made directly to a participant. There may be potential tax penalties when taking a distribution from your account. Please consult your tax advisor prior to considering taking a distribution.
Please follow the steps below to submit a loan request from your online account.
Please note that not all plans allow for Loans. Please contact your plan sponsor for more information.
Please follow the directions below to view your investment choices from your online account.
Go to www.findec.com
Click Client Login
Under Workplace Retirement Plans, select Participant
Once logged in, please click on Manage à Your Investments
Please contact our retirement plan advisor if you have any questions regarding your investments.
Please contact your Plan Sponsor for a copy of your Summary Plan Description (SPD). It includes vesting requirements and schedules specific to your plan.
Please email support@findec.com regarding your request to roll funds into your FinDec account. Our support team will send over plan specific rollover paperwork and information including where to mail your rollover check, who to make the check out too, and plan account information.
The annual limit an individual can contribute to their qualified retirement account is set by the Internal Revenue Service (IRS) and is subject to change year to year. Please see the annual limits for 2024 –2026 below:
