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Financial Counseling and Resources

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Get answers to your financial questions and help choosing investments. Develop an action plan to reach your goals. The Total Retirement Calculator can help you stay on track

Financial Coaching and Retirement Advice

CAPTRUST Financial Advisors, an independent financial advisory firm, provides dedicated investment advisory sessions to help you address financial concerns, improve your financial wellness and reach retirement goals. There’s no cost to you — it’s part of your USG benefits package. 

Schedule an appointment with CAPTRUST online or call 1-800-967-9948, Monday–Thursday from 8:30 a.m. to 5:30 p.m. Eastern time; or Friday from 8:30 a.m. to 4 p.m. 

You can also see if you’re on track to reach your goals with the Retirement Blueprint, CAPTRUST’s interactive retirement readiness tool. Check out this video.

One-on-One Counseling

Your retirement benefits also include one-on-one consultations with your retirement plan provider, as well as events and webinars where you can learn even more. You can view a current list on the Events and Webinars.

Schedule a consultation with your investment provider(s) by phone or in person. Be sure to have your financial account statements handy (including statements for retirement investments outside of your USG retirement plans) and your most recent Social Security statement, if available.

Understanding Your Plan Fees and Expenses

Participants in the plan generally pay for three categories of plan-related costs:

  • Recordkeeping fees (paid to the plan’s recordkeepers) are assessed based on a percentage of your account balance and will vary by provider, as shown in the “How Fees Are Assessed” chart below.
  • Administrative fees (paid to the plan’s investment consultant, auditors, accountants, outside counsel and other administrative resources) are paid out of the investment expenses charged by the providers of the funds in which you are invested. These fees are based on a percentage of your account balance and will vary by provider, as shown in the “How Fees Are Assessed” chart below.
  • Investment expenses are taken out of individual investments by the managers of the funds in which participants are invested.

Take a few minutes to watch this video to learn about plan-related fees and how you can keep them in check. Check out this Fee Video

  • How Fees Are Assessed
    Recordkeeping Fee
    AIG0.02%
    Fidelity0.045%
    TIAA0.035%
    *Plan Administration Fee
    AIG0.0204%
    Fidelity0.0204%
    TIAA0.0204%

    Total Fee

     

     AIG 0.0404%
    Fidelity0.0654%
    TIAA0.0554%

    *The USG Plan Administrative Fee will be waived effective January 1, 2022 -  December 31, 2022.