As summer arrives and routines shift with vacations, family activities and well‑deserved downtime, it's also a great time to revisit the habits that support your financial well‑being. That’s why we’re excited to spotlight our new Auto Increase feature — designed to help you steadily grow your retirement savings with small, automatic yearly contribution increases. This simple tool keeps your savings moving forward, even during busy seasons.

In this issue, you will also find practical tips for staying organized with your summer spending, along with helpful reminders about the power of early saving and the long‑term impact of consistent financial habits. For those looking to refine their investment approach, our resources and planning tools can help you navigate your options with confidence. Whether you're still working or already retired, we encourage you to continue building an emergency fund to protect your long‑term strategy.

For retirees, we also want to highlight that switching to ACH transfers for RMD payments offers a faster, more secure alternative to paper checks and can help you receive your money reliably when you need it.

We remain committed to supporting you — through every season — as you plan for a secure financial future.

Signatures of board members Diana Jones Ritter, Philip Fields, and David Natoli
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As we step into spring, it’s the perfect time to revisit your goals and take charge of your future. True confidence comes from informed decisions, small but steady actions and a clear focus on building lasting financial security. This April, we’re celebrating National Financial Literacy Month by sharing tools and resources to help you build confidence in your ability to make smart financial decisions. Building financial knowledge today helps create habits that lead to lasting wellness and a more secure retirement.

This spring is also a great time to simplify your finances by consolidating accounts for easier management, potentially lower fees and streamlined planning. Don’t forget, small steps such as signing up for e-delivery can make management easier while supporting a greener planet.

We’re here to guide and support you every step of the way. Thank you for being an active part of the Plan and for trusting us to help you prepare for your financial future.

Happy New Year from the New York State Deferred Compensation Plan!
The start of a new year is a great time to review your financial goals. Take a moment to reflect on last year’s progress and set new objectives that support long-term security.

This year brings good news: The IRS has increased contribution limits for 2026. That means you have more opportunity to save and strengthen your retirement foundation. Consider how these expanded limits can help you invest more for the future.

It’s also a smart time to prepare for tax season. Gather important documents, such as IRS Form 1099-R (if applicable) and review your tax withholdings to ensure a smooth filing process. A little planning now can make a big difference whether you’re actively contributing or already enjoying retirement.

The Board remains committed to supporting you with resources and tools to help you succeed. Explore educational materials and webinars, and connect with your Account Executive for guidance on retirement planning and tax preparation.

Wishing you a prosperous year ahead!

As autumn reaches its peak, it’s a great time to reflect on growth — not just in your garden, but in your financial life as well. We’re here to help you nurture your retirement journey one step at a time.

In October, we’re excited to support National Retirement Security Month — a time dedicated to building strong financial habits that can blossom into long-term security. Whether you’re just starting out or you’re nearing retirement, a few ways to keep your financial future thriving include tracking your income and expenses, automating your savings, and investing in your financial education.

We also encourage you to explore our Financial Planning Checklist, organized by decade. Whether you're in your 20s and just getting started or in your 60s preparing to transition into retirement, this guide offers practical steps tailored to your stage of life.

We’re honored to support you on this journey. Let’s keep planting the seeds of financial wellness. Your future self will thank you.
Contact your Account Executive for more information or if you have questions.

Participants in the New York State Deferred Compensation Plan will be charged administrative fees for the Plan Year beginning April 1, 2026, and ending March 31, 2027. Each participant account is charged a $20 annual fee, assessed in two $10 semiannual installments in April and October. In addition, an asset-based fee determined by the Board will be assessed to participants with a balance greater than $20,000. The semiannual asset-based fee in April 2026 is 0.013725%.