Voluntary Retirement Plans

As an employee of Stanislaus County Office of Education and Turlock Unified School District, you are eligible to participate in the district’s 403(b) and 457(b) voluntary retirement plans.  Per Universal Availability requirements mandated by the IRS, we are required to inform you of your eligibility to participate in these retirement plans. 

While you may receive a pension from either STRS or PERS upon your retirement, your pension may not be 100% of the income you’re making now. The difference between what you’re making now and what you need during your retirement years, is called the income gap.  These supplemental retirement plans can help you reduce or eliminate your retirement income gap.

Unlike other employee benefits, the supplemental retirement plans are open for enrollment all year long.  You can start, stop or change your elective deferrals at any time throughout the year.  Our Third-Party Plan Administrator, Omni & TSA Consulting Group (TSACG) assists us in offering our employees an effective opportunity to participate by providing you with free educational resources and information regarding the district’s benefits. 

• I’m not sure how my plan works.
• What’s the difference between 403(b), 457(b) and Roth accounts?
• How do I start making contributions?
• What are the 2026 contribution limits? Do I qualify for a catch-up contribution?
• What investment providers are authorized under the district’s plan?
• I’m already participating, can I get an audit of my current 403(b) or 457(b) contributions?
• Can you assist me with my total financial well-being?

The best part of this opportunity to obtain information is that any questions you have can be handled over the phone or online when it’s convenient for you!  

Additional Resources: 
403(b) – www.403bcompare.com select from an approved provider list 

www.omni403b.com/Employees

457(b) – two options:

• Nationwide – Brenda DeVecchio, Retirement Specialist. Email: devecb1@nationwide.com, Cell: (209) 337-4574
• VALIC– John Nieradzik, CFP AIG Retirement Services. Email: john.nieradzik@aig.com Cell: (209) 765-5425