“Welcome fall, where pumpkin spice reigns supreme.”- Kristi B.

As the Nevada summer comes to an end and fall begins, the Nevada Public Employees’ Deferred Compensation Program (NDC) prepares for a busy and exciting end to 2025 as we continue to assist participants and employees with their journey to and through retirement.

NDC recognized as a finalist for this year’s NAGDCA — Art Caple President’s Award

The NDC Program received yet another accolade from our peers. We have been named as one of three finalists for the prestigious Art Caple President’s Award (Large Plan Category) from the National Association of Government Defined Contribution Administrators (NAGDCA). The President’s Award is presented annually to a public sector retirement plan that has championed a participant-first mentality that Mr. Caple demonstrated in his work building financial security for public employees. We are honored to be recognized as a finalist, which reflects how the NDC Program has been administered, governed and grown over the past 12 years to now be considered as a leader among government defined contribution plans. We’ll announce if we won the Art Caple President’s Award in the next edition of The Deferred Word.

The NDC is committed to your security

The NDC and its contracted partners are focused on keeping your accounts and personal information safe and secure. In 2023, the NDC Administration and Committee partnered with Voya, Fiduciary Consultants (formerly Hyas Group), the State of Nevada Governor’s Technology Office (GTO, formerly OCIO and EITS), and the State of Nevada DOA - Risk Management to develop and implement a first-of-its-kind Cybersecurity Policy as part of our ongoing commitment to maintain the security of NDC accounts and the Program’s infrastructure.

We are fortunate that the recent compromise of the State’s systems did not affect the security of our participant accounts. We strongly encourage all NDC participants with an account balance to remain vigilant by registering and regularly logging into their account online. Visit defcomp.nv.gov and click Login to Voya or go to nevada.beready2retire.com directly to log in or click Register Now to set up your username and password. Please call the Plan Information Line at (855) GO-RET-NV (467-3868) for assistance with registering your account or logging in. Thank you for taking the safeguarding of your NDC account and personal information seriously.

October is Nevada Saves Month

Every year, the NDC Program’s “Nevada Saves Month” campaign provides education and offers workshops to help all employees and their families in recognition of National Retirement Security Month. This year, we invite all employees to learn about five small steps they can take on the journey to retirement and achieving their future financial goals.

To celebrate Nevada Saves Month, all State, NSHE, or local Political Subdivision employees and/or NDC Program participants who enroll, increase their contributions, or register their account online in October will be entered to win a special Nevada Deferred Compensation prize!

The next two articles go into detail about the Nevada Saves Month steps you can take and the NDC webinars you can attend at the end of the month. Our annual series of webinars are always well attended and received. We encourage you to attend any of this year’s sessions to see why they’re so popular. Mark your calendars now and plan to join us.

A big thank you and congratulations to NDC Committee member, Debbie Bowman

While we are excited to see her achieve her retirement goal, we are sad to announce the resignation of long-time NDC Committee member, Debbie Bowman. Debbie diligently served on the NDC Committee for more than 8 years and worked for the State for more than 25 years. Debbie brought great fiscal, legislative, and contract management insight to the Committee. Her perspective was also key in developing and supporting financial wellness initiatives among women in government service. While she will be missed, we wish Debbie and her husband Rich all the best in retirement and thank her for all the contributions she made through public service and her commitment to the NDC Program.

In closing, all of us here at NDC wish you and your family a safe and enjoyable start to the fall and a joyous holiday season.

October is Nevada Saves Month

The NDC Program and our contracted recordkeeper, Voya^®, celebrate Nevada Saves Month every October to help State employees on the journey to and through retirement. This year, we’re focusing on five small steps that you can take to help achieve your future financial goals.

Think about where your income in retirement will come from. It may come from your NVPERS pension. It may come from Social Security. Those sources, though, may not be enough to provide you with the financial security you’ll need in retirement. That’s where the NDC Program can help you reduce the retirement income gap and give you the confidence that comes with having a plan to achieve your financial goals.

1. Start saving and then save more as you earn more. If you haven’t enrolled in the NDC Program visit nevada.beready2retire.com, click the Enroll in the NDC Plan section, and choose the Plan that matches your employer. All State of Nevada and Political Subdivision (City, County, Non-State) employees must then download a Payroll Contribution Form, complete it and return the form to their payroll department to complete the enrollment process. If you’ve already enrolled in the NDC Program, regularly review the paycheck deduction amount to your NDC account and consider increasing the amount if your salary has increased since the last time you made a change. Download the Payroll Contribution Form, complete it, and return the form as noted to make changes to your paycheck deduction.
   
   
2. Transfer accounts from former employers to the NDC Program. Voya can help you roll retirement accounts from former employers into your NDC account to simplify your retirement planning process. Consolidating accounts can help you stay on top of your finances by investing consistently, paying the same fees, and tracking your retirement progress in one place. Call (866) 865-2660 or email ACT@voya.com to learn about your options to help simplify your financial life.
   
   
3. Engage with your account regularly. Even if you don’t plan on logging in more than a few times per year, having a username and password on file along with multi-factor authentication associated with your email address or phone number can make it harder for a fraudster to gain access to your personal information. While securing all your financial accounts is important, start by focusing on your NDC account. Visit nevada.beready2retire.com and log in regularly to review your recent account activity.
   
   
4. Put your future into focus with myOrangeMoney®. Do you know how your NDC account balance translates to monthly income? myOrangeMoney can help you estimate your progress toward creating sustained income throughout retirement. Whether retirement is 5 years or 40 years away, myOrangeMoney helps to estimate where you stand on the journey to retirement and what you can do to improve your outlook. Visit nevada.beready2retire.com to start.
   
   
5. Schedule an appointment to get help along the way. All employees who are eligible to participate in the NDC Program can take advantage of a unique service at no additional cost. Appointments with local Voya financial professionals are available online, by phone, or onsite throughout Northern and Southern Nevada. Meeting with Voya can give you the opportunity to review and discuss your retirement saving strategy. Visit nvdeferredcomp.timetap.com to see a list of available appointment dates and times.
   

For questions about any of these steps, call the NDC Administrative Office at (775) 684-3398 or attend any of the Nevada Saves Month webinars featured in the next article. We’d love to help.

IMPORTANT: The illustrations or other information generated by the calculators are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual tax situation.

Information from registered Plan Service Representatives is for educational purposes only and is not legal, tax or investment advice. Local Plan Service Representatives are registered representatives of Voya Financial Advisors, Inc., member SIPC.

Please carefully consider the benefits of existing and potentially new retirement accounts and any differences in features. Please note that assets rolled over from other non-457 plans (such as 401(a)/401(k), 403(b), a traditional IRA) may remain subject to the IRS 10% premature distribution penalty tax.

Join us for a retirement planning webinar during Nevada Saves Month

All eligible non-participating employees, NDC participants, and their families are invited to attend any of our Nevada Saves Month webinars. The live webinars will be available through Microsoft Teams Enter the Meeting ID to join through Teams (go to Calendar > # Join with an ID) or call (775) 321-6111 and enter the Phone Conference ID to attend a session by phone. We hope to see you there.

NDC Basics & Beyond

October 27 at 9:00 am
Meeting ID: 270 327 161 569 3
Passcode: Wt7oD6xP
Phone Conference ID: 796 869 932

October 29 at 1:00 pm
Meeting ID: 253 519 160 804 0
Passcode: J4hH7AH3
Phone Conference ID: 857 523 243

For all audiences. Join us to learn about the NDC Program, the responsibilities of the NDC Committee and Administrative Office, how much you’ll need to retire, how much you should save for retirement, Plan features, managing your account, and more.

Retiring Minds Want to Know

October 28 at 1:00 pm
Meeting ID: 239 682 263 619 5
Passcode: aU9P3Jh2
Phone Conference ID: 378 112 582

October 29 at 9:00 am
Meeting ID: 274 233 825 454 5
Passcode: hb3SP2ij
Phone Conference ID: 276 829 163

For NDC participants who are within 10 years of retirement. Join us to learn how to use NDC account tools to estimate your NVPERS pension, Social Security, and healthcare costs in retirement. You’ll also learn how to utilize your savings in the years leading up to retirement, how to manage your investments to and through retirement, and the distribution options from your NDC account.

Understanding Your NVPERS Contribution Options

October 27 at 1:00 pm
Meeting ID: 276 164 758 056 0
Passcode: Ec6CJ9JA
Phone Conference ID: 736 540 072

October 28 at 9:00 am
Meeting ID: 279 684 876 943 7
Passcode: Gg3ss6y2
Phone Conference ID: 675 241 947

For employees who are members of the Nevada Public Employees’ Retirement System (NVPERS). Join us to learn about your NVPERS Employee/Employer and Employer Pay contribution options. You’ll also learn how each option works, how it affects your net “take home” pay, the full value of “total compensation,” what happens to your NVPERS contributions during your years of State employment, estimating your future defined benefit, and more.

Meet Tucker, whose least favorite Halloween trick is when someone pretends to throw a ball, submitted by Errin Taggart. Send your pet pictures (include names too) to deferredcomp@defcomp.nv.gov

Feel secure with Voya’s S.A.F.E.^® Guarantee

The NDC Program and Voya recognize the importance of safeguarding your financial accounts and your personal information against the ongoing risk of fraud, cyber threats, and other unauthorized activity.

The Voya S.A.F.E.^® (Secure Accounts for Everyone) Guarantee was established to restore the value of your NDC account, subject to satisfying a few key steps, if any assets are taken due to unauthorized activity and through no fault of your own. We believe that keeping your account secure is a mutual responsibility. That means you play an important role in this process, and the coverage Voya provides under the S.A.F.E Guarantee may also consider the degree to which you take the following recommended action:

1. Register your NDC account online. If you have not created a username and password, visit nevada.beready2retire.com and click Register Now to complete the first-time user registration process. Provide a trusted email address or mobile phone number to receive one-time passcodes for login recovery purposes.
   
   
2. Review your NDC account information on a regular basis and keep your contact information current. Once you’ve registered, log in regularly and review recent activity to ensure there have not been unexpected address, phone number, or email changes to your account.
   
   
3. Enroll in Voya Voiceprint, Voya’s voice biometrics program. During your next call into the NDC Plan Information Line, enrolling in Voya Voiceprint will allow your voice to be used to authenticate your identity for purposes of accessing your NDC account.
   
   
4. Promptly report any suspected identity theft or unauthorized activity. Call the NDC Plan Information Line at (855) GO-RET-NV (467-3868) immediately to notify Voya of any discrepancies or incorrect information on your account, as well as any transactions that you did not request. This includes notice of bank account changes, withdrawal requests, password changes or profile changes, and other changes not initiated by you.
   
   
5. Practice safe computing habits. Do not to share your username, password or one-time passcode information with anyone else. Periodically change your unique NDC password for online access and remember that reusing passwords anywhere is not a good idea. Also, do not open suspicious attachments or click on questionable links.
   

These are just some of the ways to help protect your accounts and identity. For more tips and insights, visit voya.com/articles/protecting-your-accounts. To learn more about Voya’s S.A.F.E. Guarantee, visit voya.com/articles/safe-guarantee.

The Voya S.A.F.E. Guarantee does not create or alter any rights or responsibilities of any person except as expressly set forth herein. The Voya S.A.F.E. Guarantee is governed by the laws of the State of New York (without regard to conflict of laws principles) and may be modified or discontinued at any time.

Six steps to create an estate plan

Estate planning isn’t just for the wealthy. It’s for anyone who wants to make sure their wishes are respected and their loved ones are taken care of. If you own anything or have people who depend on you, estate planning is a smart move for you and your loved ones.

Estate planning is crucial because it allows you to avoid probate court, name a guardian for minor children, settle debts and taxes, and protect your legacy. Here are some things to consider:

1. Get professional guidance if you need it.

Whether you have a complex financial situation or not, finding the right financial professional, estate attorney, and tax professional can help you get started.

2. Get organized and take inventory.

Organize key documents like bank statements, insurance policies and retirement accounts in a secure folder. List all assets and debts, and share the folder’s location and passwords with a trusted person.

3. Where there is a will, there is a way.

Without a will, a court may decide who gets your assets. To avoid this, you’ll need a will that clearly names who should receive specific items. Life changes like a marriage, divorce, birth, death, or adoption are all good reasons to update your will and beneficiary designations.

4. Choose wisely when making key decisions with your estate plan.

Estate planning isn’t just about dividing assets. It’s also about making important choices such as naming beneficiaries, executors, guardians, and powers of attorney.

5. Leave a digital footprint for your accounts.

That means including your executor in your plans to manage or delete your social media accounts, apps, and any online subscriptions. Document your online accounts, account numbers, URLs and passwords and keep them updated and stored securely for future use.

6. Keep your estate plan current .

Life changes, and your plan should too. Stay on track by meeting annually with your financial professional and attorneys. Connect with your executor when updates to your estate plan are made and inform family members as needed too. If you move where your documents are stored, let those trusted people know where they can be found.

Estate planning is about making things easier for the people you love. It’s never too late to start. Visit voya.com/blog/six-steps-to-create-estate-plan for more information about how these six steps can help give your family clarity during a difficult time.

Meet Tommy, who proves that not all black cats are bad luck when they provide this level of cuteness overload, submitted by Bobbi Senn. Send your pet pictures (include their names and any fun facts) to deferredcomp@defcomp.nv.gov

Advisory Services provided by Voya Retirement Advisors, LLC (VRA). VRA is a member of the Voya Financial (Voya) family of companies. For more information, please read the Voya Retirement Advisors Disclosure Statement, Advisory Services Agreement and your plan’s Fact Sheet. These documents may be viewed online by accessing the advisory services link(s) through your plan’s website at nevada.beready2retire.com. You may also request these from a VRA Investment Advisor Representative by calling (855) 467-3868. Financial Engines Advisors L.L.C. (FEA/Financial Engines) acts as a sub advisor for Voya Retirement Advisors, LLC. Financial Engines Advisors L.L.C. (FEA) is a federally registered investment advisor and wholly owned subsidiary of Edelman Financial Engines, LLC. Neither VRA nor FEA provides tax or legal advice. If you need tax advice, consult your accountant or if you need legal advice consult your lawyer. Future results are not guaranteed by VRA, FEA or any other party and past performance is no guarantee of future results. Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All other marks are the exclusive property of their respective owners. FEA and Edelman Financial Engines, L.L.C. are not members of the Voya family of companies. ©2025 Edelman Financial Engines, LLC. Used with permission.

This material is provided for general and educational purposes only; it is not intended to provide legal, tax or investment advice. All investments are subject to risk. Please consult an independent legal or financial advisor for specific advice about your individual situation.

THE DEFERRED WORD   |  Third Quarter 2025

Nevada Public Employees’ Deferred Compensation Program (NDC)
Nevada State Library and Archives Building, 100 N. Stewart Street, Suite 100, Carson City, NV 89701

Phone 775-684-3397    |    Fax 775-684-3399    |    defcomp.nv.gov

Plan administrative services are provided by Voya Institutional Plan Services, LLC (VIPS). VIPS is a member of the Voya^® family of companies and is not affiliated with the State of Nevada Public Employees’ Deferred Compensation Program.

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