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Employee Services & Resources

Account Login and Contact Information:


American Funds
Service Line: (800) 421-4225


Empower Retirement
Service Line: (855) 756-4738

Keeping a Focus on Your Financial Future

Welcome to Acorn Financial – we are the team that manages your company retirement plan. Our goal is to ensure you can efficiently service your account and help you make excellent financial decisions.

To help service your account, below are a series of common questions and step-by-step instructions on how to complete common service requests.

To help make excellent financial decisions, below you will find our Retirement Plan Insights which address common planning related questions answered in an easy and digestible format.

Client Services (I want to...)

Retirement Plan Insights

Our goal is to address commonly asked personal finance questions and answer them in a clear and digestible format. One thing you will not find here is a lot text! We have found that videos are more effective in teaching core financial insights than mundane written explanations.

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Client Services

I want to access and manage my account online

  • To access and manage your account online you will need to log in to your client portal. Please select your service provider’s link below and follow instructions according.
  • Note, if this is your first time accessing your account, you will need to go through a brief registration process to confirm personal information and identity.

I want to reset my password and/or I am locked out of my account

  • To reset your password please call the service provider direct
  • Please note, it will be helpful to have the login screen and your email readily accessible during the call. We recommend not ending the call until you have gained/regained access.
    • American Funds: (800) 421-4225
    • Empower: (855) 756-4738

I want to increase, decrease or cancel my deferral amount

  • To increase, decrease or cancel your deferral amount:
    1. Access your account through the service provider portal
    2. Under “Transactions” select “Change Deferrals”
    3. Follow and complete the step-by-step instructions
    4. Print the confirmation statement and deliver to your employer/payroll

I want to change future contributions to after-tax Roth contributions

  • To change your deferral to after-tax Roth contributions:
    1. Access your account through the service provider direct
      • American Funds (link to same location as above)
      • Empower (link to the same location as above)
    2. Under “Transactions” select “Change Deferrals”
    3. Select “Ongoing – Modify your deferral for all future pay periods”
    4. Select “Continue”
    5. Select whether you will be deferring on a “percentage” or “dollar amount”
    6. Enter your “before tax” and “Roth” deferral amounts in the boxes provided
    7. If you would not like to make a contribution, place a zero in the applicable box
    8. Follow and complete the step-by-step instructions
    9. Print the confirmation statement and deliver to your employer/payroll

I want to change my investment allocation

  • To change you investment allocation:
    1. Access your account through the service provider portal
    2. Under “Transactions” select “Change Future Investments”
    3. Make sure the total allocation equals 100%
    4. If your intent is to change your existing allocation IN ADDITION to future contributions be sure to check the box “Reallocate Current Account Balance”
    5. Follow and complete the step-by-step instructions

I want to take out a loan

  • To take out a loan you will first have to submit an application:
    1. Access your account through the service provider portal
    2. Under “Loans & Withdrawals” select “Loan Request”
    3. Follow and compete the step-by-step instructions
    4. Please retain the confirmation statement for your records
    5. Please note, a loan application does not guarantee approval. Expect two to three weeks for review and processing

I want to take a hardship distribution

  • Please note: 401(k) plan participants are eligible for early hardship withdrawals should they meet any of the following considerations:
    • Unreimbursed medical expenses for you, your spouse, or dependents
    • Purchase of an employee's principal residence
    • Payment of college tuition and related educational costs such as room and board for the next 12 months for you, your spouse, dependents, or children who are no longer dependents
    • Payments necessary to prevent eviction of you from your home, or foreclosure on the mortgage of your principal residence
    • For funeral expenses
    • Certain expenses for the repair of damage to the employee's principal residence
  • To submit a hardship distribution request:
    • Access your account through the service provider portal
    • Under the Main Menu select “Forms” and then select “Hardship Withdrawal Request”
    • Complete the request and submit to your employer/payroll for approval
    • Please note, if proof of hardship is not submitted to your employer then there is a low likelihood of the hardship withdrawal request being approved. Proof can come in the form of a:
      • Medical invoice
      • Late payment notice on a mortgage
      • Eviction notice
      • Tuition invoice
      • Funeral invoice

I want to consolidate my old retirement plan with my current retirement plan    

  • To consolidate or roll your old plan into your current plan involves a two-step process.
    1. Part One: Access your account through the service provider portal
    2. Under the Main Menu select “Forms” and then select “Incoming Rollover Request”
    3. Complete the form, make a copy for your records, and submit to your current service provider per the instructions in the “Incoming Rollover Request” form
    4. Part Two: Call your old plan provider and request distribution or distribution instructions.
    5. One item the old plan provider will want is payment instructions. These instructions are found on the “Incoming Rollover Request” form in Part One under “Payment Instructions”.
    6. Please contact Acorn Financial direct if you have any questions. We understand this is a complicated process.
      • Acorn Financial (603) 595-6545

I am still employed and want to roll my account into my own personal IRA and/or Roth IRA

  • Please note, if currently employed, employees typically have to be over age 59 ½ to qualify for in-service rollovers and distributions
    To roll your account into a personal IRA and/or Roth IRA:
    1. Access your account through the service provider portal
    2. Under the Main Menu select “Loans and Withdrawals” and then select “Distributions”
    3. Read and confirm you understand the important tax information, then select “Continue”
    4. Select the “Distribution/Direct Rollover Request Form” and complete per the instructions
    5. Submit to the plan service provider direct per the instructions at the bottom of the form.

I'm no longer employed and want to roll my account into a personal IRA and/or Roth IRA

  • To roll your account into a personal IRA and/or Roth IRA:
    1. Access your account through the service provider portal
    2. Under the Main Menu select “Loans and Withdrawals” and then select “Distributions”
    3. Select the “Distribution/Direct Rollover Request Form” and complete per the instructions
    4. Please note, this request does need to be reviewed and endorsed by an Authorize Plan Administrator BEFORE submitting to your service provider.
    5. Submit to the plan service provider direct per the instructions.

Retirement Plan Insights

Getting started 

Emergency Fund, do I need one?

How to save more and make smart investment decisions

  • For online budgeting software we suggest using a secure program that links directly to your debit or credit card.

How much should I save for retirement?

Roth vs. Traditional deferrals, what is the difference? 

Target-date funds, how can they help me? 

Is now a good time to be in the market?

How do I handle the ups and downs in the market?

Implications of Investor Behavior: Sir Isaac Newton and Mike Tyson 

Contemplating a plan loan?

Evolution of investing: How are stock prices determined?

For more videos, info graphs, and additional educational resource please explore Acorn Financial’s education page.

Can you predict a good time to buy and sell stocks?

For more videos, info graphs, and additional educational resource please explore Acorn Financial’s education page.

To discuss any topics in detail with a CERTIFIED FINANCIAL PLANNER™ please contact Acorn Financial at (603) 595-6848 to set up a call. When setting your appointment please let us know your name, company plan, and specific topics you would like to address. Look forward to speaking with you!

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