Keeping the additional 2% IRA match after downgrading from Premium depends on how long it’s been since you enrolled in the offer or upgraded to Premium.
As long as you remain in Premium for at least 2 years from the date of your first 3% match, you can keep the additional 2% match.
For example, if you’re a Premium client who contributed $1,000 and earned a $30 IRA match on December 31, 2024, you can keep all of it if you maintain Premium through December 31, 2026.
If you downgrade from Premium before December 31, 2026, we will apply a premium termination match fee that is equal to 2% of your matched contributions. In the above example, the premium termination match fee would equal $20 and you can keep the 1% match of $10.
Other fees may apply.
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