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CalSavers offers several key benefits to employees, particularly those who may not have access to employer-sponsored retirement plans. Here are the main advantages:

Easy Access to Retirement Savings Employees can start saving for retirement without needing to go through a complicated process. It’s automatically available to employees through payroll deductions.
No Employer Contributions Required While CalSavers doesn’t require employer contributions, employees still get the benefit of saving for retirement in a simple, accessible way.
Automatic Enrollment Eligible employees are automatically enrolled, ensuring that they start saving without having to take extra steps. Employees can choose to opt-out or adjust their contribution rate if they prefer.
Flexible Contributions Employees can choose how much they want to contribute, starting at a default of 5% of their paycheck. They can increase, decrease, or pause contributions at any time.
Portability The CalSavers account is not tied to one specific job. Employees take it with them if they change jobs, allowing them to continue saving regardless of where they work.
Low-Cost Roth IRA The program offers employees the opportunity to contribute to a Roth IRA with no cost to open an account. They can also choose to switch to a traditional IRA if they prefer.
Professional Investment Management CalSavers investments are professionally managed, giving employees access to a range of investment options, including low-cost, diversified portfolios, without needing to manage the investments themselves.
Tax Advantages Since CalSavers is a Roth IRA, contributions are made with after-tax income, allowing employees to enjoy tax-free withdrawals in retirement.

These benefits make it easier for employees, especially those who may not have access to traditional retirement plans, to build a nest egg for the future.

Introduction: Welcome to R&C Heating and Cooling Service membership plan! This Privacy Policy outlines our commitment to protecting your privacy in relation to the membership plans offered by our HVAC services. By signing up for our membership plans, you agree to the terms outlined in this policy. Information We Collect: We collect personal information, including but not limited to your name, address, contact details, and payment information when you sign up for our HVAC membership plans. This information is necessary for processing your membership and providing you with the associated services. Membership Commitment: Our membership plans typically have a commitment period of 12 months. By enrolling in our membership, you agree to maintain the plan for the entire 12-month period without cancellation. This commitment allows us to offer you the best possible pricing and benefits associated with our membership services. Use of Information: The personal information collected during the membership sign-up process will be used for the following purposes:

Processing and maintaining your membership.
Providing the services associated with the membership plan.
Billing and invoicing for the membership fees.
Contacting you for membership-related communications.

Protection of Information: We take the security of your personal information seriously. Your data is stored securely, and we have implemented measures to protect against unauthorized access, disclosure, alteration, and destruction. Cancellation Policy: As our membership plans are designed for a 12-month commitment, cancellation during this period may be subject to fees or restrictions. If you wish to cancel your membership after the 12-month commitment, please contact our customer service for assistance. Updates to Privacy Policy: We reserve the right to update this Privacy Policy to reflect changes in our practices and services. We will notify you of any significant changes, and the updated policy will be effective immediately upon posting. Contact Us: If you have any questions or concerns regarding this Privacy Policy or your membership, please contact us at (310) 795-8474 / (424) 362-4703 or [email protected]. Thank you for choosing R&C Heating and Cooling Service for your HVAC needs!