Signal
Welcome to your Signal 401(k) Retirement Plan Portal
An Introduction to Your Plan
The video below is a quick introduction of your plan from your LoVasco Retirement Plan Advisor.
Frequently Asked Questions
The Signal 401(k) Plan’s recordkeeper is John Hancock. You can enroll by clicking this link, downloading their app (see below QR code), or calling them at 800-294-3575. Once you enroll, this information will be automatically sent to the Signal HR Team.
Yes! Signal contributes $1 for each dollar you contribute to the 401(k), up to 4% of your eligible pay. It’s free money you can think of as a reward for doing something you should be doing anyway: saving for retirement. That’s right, Signal is paying you to save for your retirement!
The 401(k) plan has a wide array of investments to choose from. If you prefer to pick your own investments, please see the plan’s online portal at John Hancock for a complete list of investments available to you. However, if you are like most of us, you’d prefer a simple investment solution. The 401(k) plan offers custom target date models, which are diversified asset allocation funds that dynamically adjust to a more conservative investment allocation as you near retirement age. Select the fund that corresponds with the year you would be nearing age 65 or the year you hope to retire if your desired retirement age is not 65.
Set your 401(k) contribution amount to a flat dollar amount instead of percentage of pay. This way, when you receive commissions, you are not experiencing inconsistent contribution amounts to your account or reducing the take-home amount of the commissions. This can be done on the John Hancock Website or by calling John Hancock at 800-294-3575.
Do you know what changes to your plan you’d like to make? Administrative tasks, such as enrollment, changing deferral amounts, changing investments, selecting a beneficiary, obtaining a loan, withdrawing/rolling over money, etc., should all be directed to John Hancock. Their website (link here) and call center 800-294-3575 can assist with those items.
Need help making decisions? Financial planning and investment advice-related questions, both 401(k) related and otherwise, should be directed to our investment advisor, Michael Orsatti of LoVasco Consulting Group. Some example questions that Michael can help you with are: How do I plan for retirement? What should I invest in? How do I consolidate debt? Do pre-tax or Roth deferrals make sense for me? Etc.
Yes! Below these FAQs, you will find financial wellness content designed to meet your everyday financial needs, not just focused on retirement. You can sign-up for live financial wellness webinars, watch recordings on-demand, and schedule one-on-one meetings with Michael.
It is a tax-advantaged retirement savings plan sponsored by your employer. It allows employees to save and invest a portion of their paycheck before (traditional) or after (Roth) taxes are taken out, which can help you save for retirement. Employers may also make contributions to your account, providing additional savings.
It is a tax-advantaged retirement savings plan sponsored by your employer. It allows employees to save and invest a portion of their paycheck before (traditional) or after (Roth) taxes are taken out, which can help you save for retirement. Employers may also make contributions to your account, providing additional savings.
Upon deferring a portion of your paycheck into an employer-sponsored retirement plan, the funds in your account can be invested based on the available options. If you do not make an investment election, a default selection will be made for you. Typically, this will be an asset allocation model that is dynamically risk-adjusted based on your age. This allows you to grow your retirement savings on a tax-deferred basis and choose the level of risk appropriate for you.
Tax-deferred investing allows you to invest and grow your money without paying taxes on the earnings or growth in the account until you withdraw them, typically during retirement.
Upon leaving your employer, multiple options become available to you. If your account balance is $7,000 or more, you can leave your assets in the plan, which will remain invested. Or, you can roll over your vested account balance to another retirement account (IRA, 401(k), 403(b), etc.).
You can contribute as little or as much as you like, as long as it does not exceed the IRS contribution limit of (as of 2025) $23,500 plus a $7,500 catch-up for those 50 and older. We generally recommend contributing 10% to 15% of your paycheck to your retirement savings plan. A higher contribution may be required if you are getting a later start on retirement savings.
For most plans, rollovers can be processed through your plan’s recordkeeping and administration provider over the phone or online.
How to take a distribution will depend on your recordkeeping and administration provider. For most plans, you can take a distribution by calling the recordkeeper for your plan; however, some recordkeepers allow you to do this online or in paper form. Lastly, when and how you can take a distribution is based on IRS laws but is also affected by your employer’s plan provisions.
You can change your contribution amount by logging into your online account, navigating to the contributions tab, and selecting your new contribution percentage. Once you complete this, payroll will be noticed, and it can be updated accordingly.
You can change your investment choices by logging into your online account, navigating to the investments tab, and editing your investment selections.
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Michael Orsatti
Financial Wellness Advisor
Retirement Plan Consulting
As a Financial Wellness Advisor on the Retirement Team, Michael offers education and personalized financial advice to retirement plan participants. Upon graduating with a B.S. in Economics, Michael started his career in the banking industry before making a pivot into retirement and investments. Michael is passionate about helping individuals navigate the financial world, finding joy in guiding them through what can often be an intimidating process. His dedication lies in empowering people to achieve long term financial success.
In college Michael ran track and worked as a personal trainer, where he met his now wife, Grace. Outside of work Michael spends most of his time hiking, lifting, playing tennis, and chasing around his two year old girl, Kiara.
