Retirement
Your 401(k)
Being retirement-ready is an important part of financial wellness. The key to success is to start saving now. TOI offers several options through Principal Financial to invest in your future, including target date funds, individual funds, and managed account programs.
Eligibility
You are eligible after 90 days of employment and can enroll and make changes at any time after that.
Contributions
TOI matches your contributions dollar-for-dollar, for the first 4% of your eligible pay. You can contribute up to the IRS limits, each year.
| 2026 401(k) Contribution Limits | |||
|---|---|---|---|
| Age < 50 | Ages 50–59 | Ages 60–63 | Ages 64+ |
| $23,500 | +$7,500 / year | +$11,250 / year | +$7,500 / year |
Vesting
You are immediately vested in your funds and TOI’s contributions; the money is 100% yours to keep.
Helpful Tips on Saving for Retirement
- Start saving as soon as possible to grow your retirement account.
- Begin with small contributions, if necessary, and increase contributions over time.
- Make setting aside money for retirement a habit.
- Understand investment returns may fluctuate.
- Let it sit. Avoid penalties by leaving funds in your 401(k) until retirement.
- If you change jobs, you can roll over your retirement account.
The Retirement Planning Center
TOI teammates (and their friends and family!) have FREE access to financial education and support through the Retirement Planning Center (RPC). Advisors provide practical guidance and tools to help with everyday money management and long-term planning.
What’s Available
- Podcasts & Videos: Financial advisors Chase and Rob record monthly podcasts and videos for teammates. You can watch the intro video or listen to the podcast. Keep an eye out for more valuable resources from them soon!
- 1:1 Financial Guidance: Teammates can meet with certified financial advisors at no cost. Chase and Rob can help with topics like debt, savings, retirement, or budgeting.
Online Resources: Digital lessons and tools are available anytime through the RPC portal
Keep in Mind
You can increase or decrease your contributions at any time; you don’t need to wait for Open Enrollment.
Meet Your Financial Goals
Get support from the Retirement Planning Center
Personalized Suggestions
Receive guidance tailored to your needs at every stage of life—from building an emergency fund and improving your credit to buying a home, starting a family, saving for retirement, and investing for the future.
Unbiased Financial Planners
Connect with financial professionals who act in your best interest. They’ll guide you step by step—without ever pushing products or sales.
Digital Lessons & Tools
Explore interactive lessons and simple tools anytime, anywhere. Learn your options, make a plan, and take confident steps toward achieving your financial goals.
Get Answers to Your Financial Questions
- How can I save more?
- When will I be ready to retire?
- What’s the best way to pay off debt?
- How much should I put into my 401(k)?
- How can I improve my credit?
- Where do I start with investing?
Need Help?
Principle
principal.com/welcome
Retirement Planning Specialist
800-547-7754
(Reference contract #5-40700)
Plan Decision Support:
Alliant Benefit Advocates
benefitssupport@alliant.com
800-489-1390
General Benefits Questions:
TOI Total Rewards Benefits Team
benefits@theoncologyinstitute.com
Retirement Planning Center
toi.learnlux.com/login
RPC Financial Planners
Chase Borgnanelli
cborganelli@realsolutions.biz
850-380-4782
Rob Hughes
rob@longleaffinancial.com
850-791-2624
The Strategic Money Mindset
Listen to the podcast!