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Resources and Links

For additional information on the Massachusetts Deferred Compensation SMART Plan, please find the list of available resources below and links to comprehensive educational materials.

Plan Overview Brochure

This brochure includes specific information about the SMART Plan, as well as general information about the benefits of saving through the Plan.

Two Paths to Investing Brochure

This brochure explains the SMART Plan's two paths to investing for retirement.

OBRA Plan Highlights

This information guide explains basic facts about OBRA/part-time employees and the SMART Plan.

Catch-Up Contributions

This information guide provides details on Age 50+ and Special Catch-Up options.

Contribution Limits

This information guide explains how much you can contribute to the SMART Plan within IRS legal limits on an annual basis.

Contributing Through Two Plans

This information guide explains the differences between 457 and 403(b) plans, which are offered to eligible employees of educational institutions.

Deferral of Sick, Vacation and Back Pay

This information guide explains the process of deferring sick, vacation and back pay into your SMART Plan account.

Distribution Options Brochure

This brochure explains the SMART Plan's distribution options.

How to Access Your Account

This information guide explains the potential benefits of participating in the SMART Plan.

Roth Flier

A high level overview of the SMART Roth contribution feature.

TD Ameritrade

This information guide explains basic facts about the self-directed brokerage account option.


The Roth Option


The following external sites may provide additional help with your overall retirement planning strategy.

Department of the State Treasurer, Deborah B. Goldberg

Social Security Administration

Empower Retirement is not responsible for, nor does it endorse the content contained in the additional websites provided. These websites are for general education and information only and are provided as a benefit to the users of the site.

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