Retirement Resources

Busey Wealth Management

The best way to reduce investment risk is to diversify your portfolio and create an asset allocation that's right for you. You can work with a participant adviser from Busey Wealth Management to learn about the different funds available or even structure a portfolio based on your current age (target-date fund) or risk tolerance. Busey also assists in rolling over any previous retirement funds into Carle Health's should you choose to do so.

Call Busey Wealth Management at (217) 365-4874 or email RetirementPlans@busey.com to set up an in-person or virtual appointment with a credentialed retirement adviser. Team members also can check the schedule on TruNorth to sign up for on-site appointments.

EPIC Retirement Plan Services

 Setting Up Your Account

1. Log in to www.go-retire.com/carle.  The first time you log in your default User ID is your full Social Security number without dashes and your password is your date of birth (MMDDYYYY).
2. You'll be prompted to create a unique Username and Password, set up security features and verify your personal information.
3. After you complete your account setup, an enrollment wizard will guide you through the three enrollment decisions: contributions, investments and beneficiaries.
4. The Carle Health plan permits both pre-tax and Roth contributions, but will automatically set you up to contribute 3% pre-tax with an auto-increase of 1% every July until you reach 6%. This automatic enrollment occurs after your first 30 days of employment with Carle Health. You can choose to opt-out of the automatic enrollment and enter your preferred contribution rate and/or automatic increase increments.
5. Carle Health's pre-selected investment is called a target date fund. It automatically and gradually becomes less aggressive as you approach the year in the fund name. If you'd like to explore alternatives to the target date fund after enrolling, you can use the SmartPlan tool under the Resource Center to assess your risk, view suggested investments or access both model portfolios and custom investment choices.
6. The final step in enrolling is to designate your beneficiaries.
7. Review and confirm the selections you made while going through the account set-up.

Monitoring Your Contributions

After the first contribution is made, you'll receive quarterly statements showing your account balance, contributions and earnings during the reporting period. Account access is available 24/7 at go-retire.com/carle or via your smart phone or tablet by downloading the Go-Retire app.

If you don't choose investments on your own, a default option will be chosen based on your birth year and expected retirement date.

Money may be withdrawn from your account in the event of death, termination of employment or upon age 59½. In some special cases, you may also qualify for a distribution due to a financial hardship. Loans are available in the plans so you can borrow from your account and make payments back through after-tax payroll deduction. To determine loan eligibility, access Loan Modeling via your account by calling EPIC Retirement Plan Services at (800) 716-3742. You can also contact the MyHR Help Desk at (217) 902-5300 to connect with a member of the benefits team.