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Auto-escalation. A great idea.

What is auto-escalation and SMarT? In a nutshell, a painless way to increase your savings.

  • Auto-escalation


Many companies are now offering auto-escalation in their 401(k) plans. With auto-escalation, your contribution level is automatically increased at regular intervals, typically 1% a year, until it reaches a preset maximum. Ask your employer whether your plan has an auto-escalation feature.

Your company may offer a program called SMarT, which stands for Save More Tomorrow. Under the SMarT program, employees agree today to increase their 401(k) contribution rate in the future, generally when they receive their next raise. SMarT is an easy, painless way to set yourself up for regular contribution increases that coincide with pay increases, so you don’t feel the pinch of saving more.

A new kind of retirement savings benefit.

Icon works like a 401k plan but without the cost, complexity, and administrative burden. We’ve unified workplace savings, personal retirement, and portfolio management into a single solution.

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  • Radically less expensive

    Employers pay a small one-time set up fee, and no ongoing plan administration fees.

  • We do all the work

    It takes minutes to set up, no plan design required, no federal filing requirements.

  • Investor focused

    Our portfolios are built with low-cost funds from leading asset managers. Icon acts as a fiduciary to our clients.

Getting started is easy.

We’ll help you every step of the way.