# 403(b)

For **Individuals**

Saving for retirement shouldn’t feel complicated. Vestwell gives you the tools, guidance, and confidence to start building a future that works for you—one step at a time.

### Manage your plan your way

Change your contribution amount, update your investments, or adjust your settings anytime. You’re always in control.

### Access your savings on the go

Use the Vestwell mobile app to check your balance, make updates, and stay connected to your retirement plan—anytime, anywhere.

### Save in the language you know best

Manage your retirement account in the language you prefer with support for 18 languages across both desktop and mobile.

### See your progress in real time

Track your balance, contributions, and investment performance in one clear dashboard to easily view your progress.

### Get support at every step

From plan basics to savings strategies, access resources and tools anytime—and get help from our dedicated service team whenever you need extra support.

### Goal-based Managed Accounts

An investment tool that provides a more personalized asset allocation into portfolios based on your retirement goals.

[Learn more](https://support.vestwell.com/hc/en-us/articles/17564596006551-Goal-Based-Investment-Strategy)

### Non-Elective Contributions

A flexible option for employers to share company success by making additional contributions toward retirement accounts after the plan year ends.

### Student Loan Retirement Match

A benefit to pay back student debt while saving for retirement, with employer matching contributions of student loan payments towards employee retirement accounts.

[Learn more](/content/blog/how-to-manage-student-loan-repayment-while-saving-for-retirement/index.html)

### Learning Center

A complimentary, integrated library of financial wellness resources and interactive learning modules on foundational topics, from budgeting to saving for a home to planning for milestones.

### Mobile App

Manage plans and savings on the go with the Vestwell mobile app. Set contributions, adjust investments, and track progress anytime, anywhere.

[Download on the App Store](https://apps.apple.com/us/app/vestwell/id6502456411)

## Understand your 403(b) _and make it work for you._

Not sure where to start? You’re not alone. Whether you’re just enrolling or have been saving for years, we’re here to help you every step of the way.

Learn how a 403(b) works, what makes your plan unique, and how to make the most of it, from adjusting your contributions to choosing the right investment mix. With Vestwell, you get the tools and guidance you need to make smart, confident decisions for your future—while maximizing the tax advantages your 403(b) offers.

## Your future starts today.

How do I log in to my account?

Go to [signin.vestwell.com](https://signin.vestwell.com/) to access your account. If you’re registering for the first time, visit connect.vestwell.com/register and follow the steps to set up your account.

### How is a 403(b) different from a 401(k)?

Both are tax‑advantaged retirement plans, but 403(b) plans are designed for employees of nonprofits, public schools, and certain tax‑exempt organizations, while 401(k) plans are typically offered by private‑sector businesses.

### Can I change how much I contribute?

Yes, you can increase, decrease, or pause your contributions anytime from your Vestwell portal. Go to [signin.vestwell.com](https://signin.vestwell.com/) to log in.

### What happens to my 403(b) plan if I leave my job?

Your savings stay with you. You can leave the money in your plan, roll it over, or explore other options.

### Is there a penalty for withdrawing money from my 403(b) early?

403(b) withdrawals before age 59½ may be subject to taxes and penalties, but there are exceptions. Learn more in the summary plan description on your Vestwell portal.