What this guide covers How BMC’s employer contribution works BMC employer contribution by years of service Who qualifies for the employer contribution Legacy City of Boston retirement benefits Your 403(b) is immediately vested Review how your 403(b) is invested Review beneficiaries and spousal rights Know the 2026 contribution limits If you joined through BMC South […]
Specialized Guidance
UMass Memorial Retirement Benefits: How the Pension, the 401(k), and the 403(b) Fit Together
What this guide covers Why your UMass employer matters How the pension, 401(k), and 403(b) fit together The pension, including the enhanced-match election Why 4% is the floor for the 401(k) match How the three-year or age-55 vesting rule works How the 401(k) and 403(b) contribution limits interact The 2026 catch-up contribution rules How the […]
Beth Israel Lahey Health Retirement Benefits: 401(k), 403(b), Employer Contributions & Vesting
What this guide covers Why your BILH employer matters How BIDMC and BID Plymouth retirement benefits differ How Lahey’s current 403(b) differs by employee group Why older Lahey balances may follow different rules What to check when you move between BILH employers The 2026 contribution and catch-up limits How to estimate what is going into […]
Waters Stock Compensation: How RSUs, PSUs, SARs, and Converted BD Awards Work
What this guide covers The equity side of the Waters Corporation compensation package, based on Waters plan documents, filed employee award forms, and the company’s 2026 proxy materials: Which Waters equity plan governs your award How Waters RSUs are taxed at vest and why withholding may fall short How Waters PSU terms differ by grant […]
Boston Scientific Stock Compensation: How RSUs, Stock Options, and the ESPP Work
What this guide covers The equity side of the Boston Scientific compensation package, as the plan documents describe it: RSUs, DSUs, and PSUs: what each award type means How equity moves from grant to vest, and where the tax lands Stock options, the ten-year clock, and underwater grants The one-year retirement rule that can determine […]
How to Get the Most from Your Boston Scientific 401(k), ESPP, and Stock Benefits
What this guide covers A practical walk-through of the parts of Boston Scientific’s compensation package that most affect long-term wealth: The 401(k) match and its unusual two-tier structure Why the automatic enrollment default leaves money on the table The Employee Stock Purchase Plan, restated effective July 1, 2026 The channels through which company stock accumulates, […]
Understanding Your UMass Memorial Health Care Pension
The pension should not be viewed in isolation. Your retirement date, 401(k) or 403(b), Social Security, other savings, taxes, healthcare costs, and personal priorities all affect how the benefit fits into your broader plan. Much of what follows comes from the plan’s own annual filing with the Department of Labor. The Form 5500 for the […]