Retain access to investment options, benefits and tools you already know.
- Do it yourself with Online Advice when you sign into your Program account.
- Speak directly with an Investment Advisor Representative at 800.348.2272 for help with your retirement account investments. Your initial consultation is no cost to you.
- Enroll in Professional Management through your Program account to have an investment professional manage your retirement plan investments and payments from your account for you. Fees apply.
View the Advice Services Video or Overview Flyeropens in new tabopens in new tab for more information.
Access stocks, bonds and other investments (e.g. mutual funds) through a Personal Choice Retirement Account5 with Charles Schwab. Certain fees apply.
Watch our videos, read our articles, and explore the available tools within our Financial Education Library.
What can you do with your retirement account?
At no additional cost, you’ll continue to benefit from the Program’s:
- Institutional-priced investment option
- Investment oversight
- Tools, education and advice
Give yourself a regular paycheck by requesting installment payments (taxes and penalties may apply2).
If you do want to request installment payments, the Distribution Request Form can be found here.
Take your entire balance in cash, called a lump-sum distribution (taxes and penalties may apply2).
If you do want to request a full distribution, the Distribution Request Form can be found here.
Roll your balance over to another qualified plan or IRA.
If you do want to request a rollover, the Distribution Request Form can be found here.
Call in and speak with a Financial Professional from Voya Financial Advisors;3 they are available Monday through Friday (excluding stock market holidays) from 8 a.m. to 8 p.m. ET.
In your personalized session, you can:
- Discuss topics from buying a home to saving for college, as well as income and healthcare planning for retirement.
- Discover effective ways to identify your top financial priorities.
- Clarify your goals and map out a clear course of action to achieve them.
- Determine if you want to establish an ongoing relationship with the Financial Professional or create a (fee-for-service) holistic or targeted financial plan.
Carefully consider the provisions of your current retirement plan and the new retirement vehicle for differences in cost, benefits, surrender charges, or other important features before transferring assets. There may also be tax consequences associated with the transfer of assets. Consult your own legal and tax advisors regarding your situation. Distributions may be subject to an IRS 10% premature distribution penalty tax.
* If your vested balance in your Program account is more than $7,000.
** Financial Professionals are Investment Advisor Representatives and Registered Representatives of, and offer securities and investment advisory services through, Voya Financial Advisors (“VFA”), Inc. (Member SIPC).
1 Advisory Services provided by Voya Retirement Advisors, LLC (“VRA”). VRA is a member of the Voya Financial (“Voya”) family of companies. For more information, please read the Voya Retirement Advisors Disclosure Statement, Advisory Services Agreement and the ABA Retirement Funds Program’s (“Program’s”) Fact Sheet. These documents may be viewed online by accessing the advisory services link(s) through the Program’s web site at www.abaretirement.com after logging in. You may also request these from a VRA Investment Advisor Representative by calling the Program’s information line at 800.348.2272. Financial Engines Advisors L.L.C. (“FEA”) acts as a sub advisor for VRA. FEA is a federally registered investment advisor. Neither VRA nor FEA provides tax or legal advice. If you need tax advice, consult your accountant, or if you need legal advice, consult your lawyer. Future results are not guaranteed by VRA, FEA or any other party and past performance is no guarantee of future results. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All other marks are the exclusive property of their respective owners. FEA and Edelman Financial Engines, LLC are not members of the Voya family of companies. ©2025 Edelman Financial Engines, LLC. Used with permission.
2 Schwab Personal Choice Retirement Account (“PCRA”) is offered through Charles Schwab & Co., Inc. (Member SIPC), the registered broker/dealer, which also provides other brokerage and custody services to its customers.
3 This information only applies to those plans that have adopted the ABA Retirement Funds Basic Plan Document. If your plan is on another provider’s document, please refer to your employer for information.
Registered Representative of Voya Financial Partners (“VFP”), LLC (member SIPC). VFP, VRA and VFA are members of the Voya family of companies (“Voya”). Voya, the ABA Retirement Funds and Charles Schwab & Co., Inc., are separate, unaffiliated entities, and not responsible for one another’s products and services.