Your Future Self Will Thank You

Retirement planning made automatic, easy, and actually kind of awesome

Why Save Now?

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Time is Your Secret Weapon

The earlier you save, the more your money grows — thanks to compound interest. Starting early can mean the difference between a comfortable retirement and worrying about bills.

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Future-You Has Bills

Let's give them a cushion (or a yacht, your choice). Every dollar you save today works harder for your future than dollars saved later.

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Compound Interest Magic

Your money earns money, which earns more money. Over decades, this compound effect can turn modest contributions into substantial wealth.

Ridge's 401(k): Easy, Smart, Free $$

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Auto-Enrolled When You Join

No paperwork, no hassle. You're automatically enrolled at 6% contribution rate when you start at Ridge.

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100% Match Up to 6%

Ridge matches 100% of your contributions up to 6% of your salary. It's literally free money.

Example: If you make $100K and contribute 6% ($6K/year), Ridge adds another $6K. That's $12K/year in total savings!
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Immediate Eligibility & Vesting

Start contributing on day one, and your employer match is yours immediately. No waiting periods or complex vesting schedules.

Ridge 401(k) by the Numbers

96%
Employee Enrollment Rate
<5
Employees Contributing Less Than 6%
$4M+
Total Company Investments
100%
Immediate Vesting

Your colleagues are already building their financial future. Join them in securing yours.

Auto-Enrolled. Fully Vested. Zero Stress.

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No Forms, No Stress

You're enrolled at 6% by default. Your investments automatically go into a target-date fund tailored to your age for optimal growth and risk management.

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You're in Control

  • Choose your contribution percentage
  • Select your investment options
  • Traditional = Pay taxes later
  • Roth = Pay taxes now, grow tax-free
  • Roll in old 401(k)s seamlessly
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Support When You Need It

Guideline provides tools, articles, and live support through an easy-to-use app and dashboard. Get financial education and live help whenever you need it.

Contact Guideline:
support@guideline.com
(888) 344-5188

Frequently Asked Questions

What happens if I don't want to participate?
You can opt out anytime, but we don't recommend it! You'd be missing out on free money from Ridge's match. Even if you're paying off debt or have other financial priorities, contributing at least 6% ensures you get the full company match.
Can I change my contribution percentage later?
Absolutely! You can adjust your contribution percentage anytime through your Guideline account. Many employees start at 6% and gradually increase it with salary raises to maximize their savings without feeling the pinch.
What's the difference between Traditional and Roth contributions?
Traditional contributions reduce your current taxable income (you pay taxes when you withdraw in retirement), while Roth contributions are made with after-tax dollars but grow and can be withdrawn tax-free in retirement. Many financial advisors recommend Roth for younger employees who expect to be in higher tax brackets later.
What if I leave Ridge?
Your 401(k) is yours to keep! Since Ridge offers immediate vesting, all employer match contributions belong to you from day one. You can roll your account to your new employer's plan, keep it with Guideline, or roll it to an IRA.
How are my investments managed?
By default, your money goes into a target-date fund based on your expected retirement year. These funds automatically adjust the investment mix as you get closer to retirement, becoming more conservative over time. You can also choose from other investment options if you prefer more control.
Can I access my money before retirement?
Generally, 401(k) funds are meant for retirement and there are penalties for early withdrawal. However, there are some exceptions for hardships, and you may be able to take loans against your balance. It's best to think of this as long-term savings that you won't touch until retirement.
How much should I contribute beyond the 6% match?
Financial experts typically recommend saving 10-15% of your income for retirement. Since Ridge matches 6%, contributing 10-15% yourself would put you at 16-21% total savings rate, which puts you on track for a comfortable retirement. Start with the 6% match, then increase gradually as your salary grows.
Are there any fees?
Ridge covers the administrative fees for the 401(k) plan. The investment funds have their own expense ratios (typically very low with index funds), but there are no additional account maintenance fees charged to employees.

Educational Resources

Expand your financial knowledge with these trusted resources. The more you understand, the better decisions you'll make for your future.

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Essential Videos

"401k vs IRA Explained" - Ben Felix

Comprehensive breakdown of retirement account types and strategies

Ben Felix Channel
"Compound Interest Explained" - Investopedia

Clear visual explanation of how your money grows over time

Watch on YouTube
"Roth vs Traditional 401k" - The Money Guy Show

Detailed comparison to help you choose the right option

Money Guy Channel
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Government & Official Resources

IRS 401(k) Resource Guide

Official tax information and contribution limits

Visit IRS.gov
Department of Labor - 401(k) Plans

Employee rights and plan information

Visit DOL.gov
SSA Retirement Estimator

See how much Social Security you might receive

Visit SSA.gov
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Calculators & Tools

Compound Interest Calculator - SEC.gov

Watch your money grow over time

Use Calculator
Retirement Planning Calculator - Vanguard

Comprehensive retirement planning tool

Use Calculator
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Recommended Reading

"The Simple Path to Wealth" - JL Collins

Straightforward investment advice for building wealth

Read Free Version
"A Random Walk Down Wall Street" - Burton Malkiel

Classic guide to investing and index funds

View on Amazon
Bogleheads Community

Active forum for investment discussion and advice

Visit Community
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Financial Podcasts

"The Investors Podcast"

Warren Buffett-inspired investing wisdom

Listen
"ChooseFI"

Financial independence and early retirement strategies

Listen
"The Money Guy Show"

Practical financial advice for all life stages

Listen
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Helpful Apps

Personal Capital

Track all your accounts and net worth in one place

Download App
Mint

Free budgeting and expense tracking

Download App
YNAB (You Need A Budget)

Advanced budgeting for serious savers

Try Free Trial

Let's Get You Set Up

Ready to start building your financial future? It takes just a few minutes to optimize your 401(k) settings.

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Step 1: Log Into Guideline

Access your account through the Guideline app or website using your Ridge credentials.

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Step 2: Confirm Your Contribution

Make sure you're contributing at least 6% to get the full company match. Consider increasing it if your budget allows.

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Step 3: Review Your Investments

The default target-date fund is great for most people, but you can explore other options if you prefer.

Access Your Account

Questions? Reach out to the People Ops or Finance teams, or contact Guideline directly.