The County of San Joaquin offers retirement plans so you can set aside money from each paycheck toward retirement. These plans can help bridge the gap between what you have in your pension and Social Security, and how much you’ll need in retirement. The available plans include:

457(b) Deferred Compensation Plan

  • Traditional — pre-tax and available to all County employees paid through the County
  • Roth option — after-tax and available to all County employees paid through the County

401(a) Deferred Compensation Plan — Please contact your employer for details.

Frequently asked questions
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Tax-deferred, also known as pre-tax, means you don't pay income taxes on your plan contributions or earnings until you withdraw the money, typically in retirement. This can lower your taxable income now and potentially in retirement.

After-tax Roth contributions are taxed before they are invested in your plan. When you withdraw these contributions in retirement, they are not taxed again, and provided certain conditions are met, earnings on Roth contributions can be withdrawn tax free.

Contribution limits vary by plan type and are subject to IRS regulations. Check out the current contribution limits.