Oregon small businesses, it’s time to register for OregonSaves!

If you’re a business with 3 or more employees, you are required to sign up by March 1, 2023.

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  • Are there additional withdrawal restrictions beyond normal Roth IRA restrictions?

    No. The only withdrawal restrictions for OregonSaves IRAs are those set by the federal government for any Roth or Traditional IRA. Please consult with a tax expert or financial advisor about your circumstances.

  • Are there any fees for employers to participate?

    No, there are no employer fees, and OregonSaves does not allow employer contributions. The employer's role is limited to simply facilitating the program for employees.

  • Are there income limits to participate in OregonSaves?

    Yes. It is up to the employee to determine if you meet the applicable income limits to contribute to a Roth IRA account. Simply put, if you make over a certain amount of income in a given year, you may not be eligible. This income limit is determined by the IRS and is based on something called your...

  • Are there legal protections from creditors for my funds?

    Your OregonSaves account is structured as an IRA and may be protected from creditors. Circumstances vary, and you should consult with an appropriate expert if you need specific guidance.

  • Are workers of only certain immigration statuses eligible for the program? Are undocumented workers eligible?

    Only workers with a verifiable individual tax identification number (ITIN) or Social Security number (SSN) can participate in the program. If a worker's information cannot be verified, the worker will not be enrolled, and an account will not be established for him or her.

  • Are workers of only certain immigration statuses eligible for the program? What about undocumented workers?

    Only workers with a verifiable individual tax identification number (ITIN) or Social Security number (SSN) can participate in the program. If your information cannot be verified, you will not be enrolled, and an account will not be established for you.

  • Auto-enroll and opt-out form

  • Autoenroll Notice Form

    This combines notice of OregonSaves auto-enrollment and program highlights with an Opt-Out Form to use if you decide you do not want to participate in the program.

  • Autoenroll Notice Form (Espanol)

  • Beneficiary Addendum Form

    Use this form to change or add primary beneficiaries and/or secondary beneficiaries that will not fit on your Add a Beneficiary Form.

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1-844-661-1256

Employee assistance
1-844-661-6777

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OregonSaves is overseen by the Oregon Retirement Savings Board. Vestwell State Savings, LLC, dba Sumday Administration (“Sumday”), is the program administrator. Sumday and its affiliates are responsible for day-to-day program operations. Participants saving through OregonSaves beneficially own and have control over their Roth IRAs, as provided in the program offering set out at www.oregonsaves.com/savers.

OregonSaves’ Portfolios offer investment options selected by the Oregon Retirement Savings Board. For more information on OregonSaves’ Portfolios go to www.oregonsaves.com/savers. Account balances in OregonSaves will vary with market conditions and are not guaranteed or insured by the Oregon Retirement Savings Board, the State of Oregon, the Federal Deposit Insurance Corporation ("FDIC") or any other organization.

OregonSaves is a completely voluntary retirement program. Saving through a Roth IRA will not be appropriate for all individuals. Employer facilitation of OregonSaves should not be considered an endorsement or recommendation by your employer of OregonSaves, Roth IRAs, or these investments. Roth IRAs are not exclusive to OregonSaves and can be obtained outside of the program and contributed to outside of payroll deduction. Contributing to an OregonSaves Roth IRA through payroll deduction offers some tax benefits and consequences. You should consult your tax or financial advisor if you have questions related to taxes or investments.

By clicking on one of the social media icons, you are leaving the OregonSaves website, maintained by Sumday and are being redirected to a social media site solely maintained by the Oregon Retirement Savings Board (“Board”). Sumday, the program administrator for OregonSaves, does not monitor or endorse the Board's social media activities. All OregonSaves social media activities are the sole responsibility of the Board.

The OregonSaves mark and OregonSaves logo are registered trademarks of the Oregon Retirement Savings Board and may not be used without permission.

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