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Equitable and the Ohio Alternative Retirement Program (ARP)
You have the opportunity to participate in an Equitable 401(a) retirement plan to help you build assets for the future in a way that is convenient and flexible.
In the state of Ohio, if you are an eligible academic or administrative employee, you may choose not to participate in the state retirement system and instead enroll in the Ohio ARP, a 401(a) defined contribution plan.
Within the first 120 days of your employment, you must select which plan you wish to contribute to. If you do not elect a retirement program, you will automatically be enrolled in the state retirement system. Your decision is irrevocable.
Once you've been enrolled in either program, you must remain within that system while you are employed by your current employer. The amount you contribute to the 401(a) plan must be the same as if you were contributing to the state retirement system. Any employer contributions vary by employer.
All contributions made on your behalf are immediately vested, which means they’re yours as soon as they’re put into the plan.
You might be eligible to enroll in additional tax deferred programs sponsored by your organization.
Click here and then enter your organization’s name to see if they offer additional Equitable tax deferred retirement accounts.
Equitable’s Momentum Plussm is a multi-stage annuity built to adapt to your changing needs. When you’re ready, it helps you seamlessly transition from growth potential to guaranteed income for you and your family, all in one place.
You can select from a variety of investment options that will fluctuate in value, based on market performance, as well as an option that provides safety of principal and guaranteed interest, regardless of what happens in the market. The investment options are managed by leading investment management companies you know and trust.
The value of the variable investment options within annuities will fluctuate and is subject to market risk, including the possible loss of principal.
You can use this feature to automatically rebalance the assets in the investment options back to the original percentages you selected. You choose how often: quarterly, semiannually, or annually. Rebalancing doesn't guarantee a profit or automatically protect you from loss, but it does ensure that, over time, your allocations will stay in line with the strategies you feel are best. Whatever option you choose, you can change the allocation of your rebalanced assets. You can also stop, change, or switch the option at any time. There is no cost associated with this feature.
With Momentum Plussm, you don’t pay tax on your contributions or the accumulated earnings in your account until they are withdrawn or distributed. That can help your assets grow more quickly than if they were in a taxable account.
You can allocate your assets in the way that best meets your needs and transfer them to different investment options at any time, tax-free.
Certain documents related to the Momentum Plus product that your Employer's plan makes available can be found here, including:
Please consider all of the charges, risks, expenses, investment objectives, and complete details of coverage carefully before purchasing a variable annuity. For this and other information please contact your local Ohio Equitable Advisors financial professional and read the prospectus and any applicable supplements carefully before you invest or send money.
Once you enroll, you can make transfers, check your balances, and take distributions, using whichever method you prefer:
With Momentum Plussm, you are free to transfer among the available investment options, without any charge or fee, whenever your needs or goals change.1 There are no taxes taken so your assets continue to grow tax-deferred until you withdraw them.
If your allocations get out of balance, you can bring them back to their original percentages automatically with asset rebalancing. Just choose quarterly, semiannual, or annual rebalancing, and you can start or stop at any time, at no cost to you. Rebalancing doesn't assure you a profit or automatically protect you from loss.
When you’re ready to take retirement income, you have a number of payout options, including systematic withdrawals, lump-sum payments and lifetime income options.
These distributions are taxable as ordinary income and, if you take them prior to age 59½, you’ll pay an extra 10% federal income tax penalty. Other taxes may also apply. Consult your tax advisor if you have questions.
Because the Ohio ARP program is a retirement plan, distributions before retirement (including withdrawals) are limited by federal income tax rules.
Please refer to the prospectus, supplements, and statement of additional information for complete information on distributions.
1 Restrictions apply to prevent disruptive transfer activity.
Certain documents related to the Momentum Plus product that your Employer's plan makes available can be found here, including:
Please consider all of the charges, risks, expenses, investment objectives, and complete details of coverage carefully before purchasing a variable annuity. For this and other information please contact your local Ohio Equitable Advisors financial professional and read the prospectus and any applicable supplements carefully before you invest or send money.
The Equitable 360 RetirementSM defined contribution program consists of a custodial account offered through Reliance Trust Company, LLC, within which plan participants’ chosen mutual fund shares are held, as well as a group fixed annuity contract (Generic Form Number 2106FA-MFrev, 2016FA-MF403b) issued by Equitable Financial Life Insurance Company (“Equitable”). Mutual funds made available through the program are distributed by Equitable Distributors, LLC, (“Equitable Distributors”). Equitable and Equitable Distributors are located at 1345 Avenue of the Americas, New York, NY 10105, (212) 314-4600. Equitable is solely responsible for meeting the obligations of the group fixed annuity contract.
Offered by affiliated and unaffiliated entities, the Equitable 360 RetirementSM program is the result of various strategic partnerships, including one between Equitable Distributors, LLC and PlanConnect,LLC. The Equitable Retirement Plan Services SM platform includes record keeping, trading and custodial services to plan sponsors for the program. Reliance Trust Company serves as custodian of mutual funds selected by plan participants. PlanConnect, LLC, serves as the platform’s record-keeper and third-party administrator. Equitable Retirement Plan Services SM and Equitable 360 RetirementSM are service marks of the contractual arrangements between affiliated and/or unaffiliated entities within the platform; PlanConnect® is a registered service mark of PlanConnect, LLC (100 Madison Street, Syracuse, NY 13202. (800) 923-6669). Equitable, Equitable Distributors, and PlanConnect, LLC are separate but affiliated companies. Reliance Trust Company is a separate and unaffiliated company.
The investments in this Equitable 360 RetirementSM program are subject to investment risks, including possible loss of the principal invested. They are not insured by the Federal Deposit Insurance Corporation nor are they deposits to, obligations of, or guaranteed by any bank.
For a program summary, which contains more complete information including investment objectives, risks, charges, and expenses, please contact your financial professional. Please read the program summary carefully before you invest or send any money.
While this webpage will summarize certain information about the Ohio Alternative Retirement Plan for your convenience, it is not official explanations of the program. In the event of a discrepancy between any information provided and any information provided directly by the state of Ohio, the latter will prevail. Equitable Advisors and its affiliates and associates do not provide tax/legal advice.
Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) NY, NY, Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities.
GE-6386733.1 (02/2024) (Exp. 02/2026)