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Retirement Board & Retirement Services

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Vanguard Participant Services at 800-523-1188 


Vanguard and Investment Advisory Sessions

2022 Tentative Sessions


April 5, 6 and 7, 2022 - One-on-One Virtual Sessions

June 17, 20 and 24, 2022 - One-on-One Virtual Sessions


Investment Advisor - FSDC Advisory LLC

January 27 - Webinar "Financial Fitness"

February 24 – One-on-One in person - HRLR

March 24 – Webinar "Optimizing Deferred Compensation and HSA contributions and distribution" One-on-One in person to follow webinar- HRLR

April 21 – One-on-One in person - HRLR

May 26 - Webinar "Understanding Social Security"   Social Security 2022 Client Benefits Pocket Guide One-on-One in person to follow webinar - HRLR

June 23 - One-on-One in person – HRLR

July 28 - Webinar "Financial Literacy and Investment Basics"  One-on-One in person to follow webinar - HRLR

August 25 - One-on-One in person – HRLR

September 22 - Webinar "Quality of Life in Retirement" One-on-One in person to follow webinar – HRLR

October 27 - One-on-One in person – HRLR

November 17 - Webinar "Past, Present, & Your Future" Social Security Pocket Guide One-on-One in person to follow webinar – HRLR

December 15 - One-on-One in person - HRLR


457(b) Deferred Compensation - Plan #078097

All part-time and full-time employees have the opportunity to participate in the Deferred Compensation Plan & Trust. To begin participation, please review the investment tools and information links provided below, then complete and return the Enrollment Form by mail or fax to Vanguard. Vanguard will establish your account in the Plan and electronically transmit your deduction amount to the County Finance Department to enter and maintain your payroll deduction.

All other information and account maintenance will be handled directly with Vanguard Participant Services.


Direct Rollover information

Employees have the opportunity to take assets from another plan and request a direct rollover into an established Macomb County 457 (b) Vanguard plan. Below is a rollover chart and a link to the IRS website on rollovers.

Rollover Chart

457 (b) Contribution Rollover Form


401(a) Defined Contribution - Plan #097515

Macomb County has a defined contribution 401(a) plan.  The required employee contribution is three percent (3%) of base wages. The County generously contributes six percent (6%) of base wages per pay period.  Employees are vested after five (5) years of service and are eligible to increase the contribution to four percent (4%) of base wages per pay period with a County match of eight percent (8%) of base wages per pay period.


Name a Beneficiary

  • If you have more than one plan account, you must designate a beneficiary for each account.
  • Register for online account access at; you will need your plan number.
  • To name a beneficiary or change beneficiary information, log on to, select Menu/My Profile/Beneficiaries.
  • You can access your account from your mobile device, go to to download the Vanguard app.


Investment Advisor

Macomb County partners with FSDC Advisory LLC to provide financial planning services. Their expertise as licensed financial advisers helps to provide education on different investment choices, such as the Vanguard fund options, retirement goal setting, and investment strategies.

Michael Cho, Principal Financial Advisor of FSDC Advisory, LLC, is Macomb County’s designated investment advisor.  He can be reached at or by phone at 248-564-1828