Get Ready to Enroll


It's easy to participate in your employer's 457(b) deferred compensation plan. You can get started right away.

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Not ready to sign up yet? Get more info about how deferred comp works and what your options are first.

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If you're not already investing for retirement, it's time to get started. Your pension and Social Security benefits may not provide enough retirement income for you to live the way you want to in retirement.

With your Florida Deferred Compensation Plan, you decide when, where and how much to invest. And that's just the beginning — here are four more reasons why it's smart to participate in your deferred comp plan:

  1. You can start anytime — Your deferred comp plan will work for you whether you're approaching retirement or just getting started saving. This is because time and compounding work together to build momentum for your money. The sooner you start, the more you could have at retirement.
  2. Something is better than nothing — Even a little bit of savings can really add up over time. And if you continue to bump up contributions on a regular basis, the overall impact to your paycheck may not seem too painful. Consider putting raises or bonuses into deferred comp — it's an easy way to save a little more.
  3. This plan is made for you — Unlike other retirement plans, deferred comp takes into account that you may retire sooner than workers in the private sector. So you don't have to worry about paying a penalty for retiring or beginning to take income from the plan before age 59½.
  4. Service you can count on — Nationwide® has non-commissioned retirement specialists ready and willing to answer your questions. We've been helping public sector employees save for retirement for more than 30 years and our specialists really know their stuff — but it won't cost you any extra. We also have local retirement specialists who will meet with you face-to-face.

Get the help you need

The sooner you enroll, the more you can save. Take a look at the Enrollment Checklist for tips on what you'll need to have handy and enroll today.

Start Online Enrollment



The Florida Deferred Compensation Plan offers a wide range of investment options to meet your retirement planning needs.

View fund performance

Keep in mind that investing involves market risk, including possible loss of principal. As you get started in the plan, we’ll help you understand market risk and strategies that may help you deal with it.

If you get stuck when choosing which funds are right for you, we’re here to help. We offer different levels of assistance so you can get the help you need.

Do it for me

Nationwide ProAccount® is a managed account service, available for an additional fee, designed to help take the guesswork out of retirement investing. With Nationwide ProAccount, your investments are selected for you based on your age and risk tolerance, then monitored and adjusted over time to keep you on track toward your retirement goals. Nationwide ProAccount gives you:

  • Professional management from Wilshire Associates
  • Continuous oversight by Nationwide Investment Advisors, LLC
  • Frequent communications including quarterly statement notification and 24 hour Nationwide telephone support

Contact us today to learn more about Nationwide.

Investment advice for Nationwide ProAccount is provided to plan participants by Nationwide Investment Advisors, LLC ("NIA"), an SEC-registered investment adviser. NIA has retained Wilshire Associates Incorporated ("Wilshire") as the Independent Financial Expert for Nationwide ProAccount, to make the investment decisions for the program. Wilshire is not an affiliate of Nationwide or Nationwide Investment Advisors, LLC (NIA).

Help me do it

If you want to be involved but want some help along the way, consider our asset allocation funds. They’re targeted towards certain risk profiles, so you’ll determine your risk tolerance and then choose the corresponding fund.

Target Maturity Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the Target Maturity Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds.

Target Maturity Funds are designed for people who plan to withdrawal funds during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments over time. Like other funds, target date funds are subject to market risk and loss. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that target date funds will provide enough income for retirement.

I'll do it by myself

If you want to do it on your own, go for it. You can use the My Investment Planner to determine your investor profile and suggest an asset allocation for you. Then check out the complete list of funds offered by your employer and their current performance to help you decide. Just remember we’re always here if you have questions. Learn more about the asset fee on Vanguard funds.

Get the help you need

Talk to a Retirement Specialist about your investment options. Information provided by Retirement Specialists is for educational purposes only and is not intended as investment advice.



It only takes a few minutes to sign up. Here are some things you'll need:

Start Enrollment Now

Get the help you need

We'll even walk you through it. If you need more help, call one of our Retirement Specialists.



The Florida Deferred Compensation Plan is a retirement plan offered by the state to allow public employees like you to put aside money from each paycheck toward retirement. A deferred comp plan can help bridge the gap between what you have in your pension and Social Security, and how much you'll need in retirement.

Here are some frequently asked questions about the Plan:

  • What sets a 457(b) apart from other retirement plans? 457(b)s may offer benefits other retirement plans can’t, like penalty-free withdrawals once you stop working for your public sector employer.
  • What does tax-deferred mean? Basically, you don’t pay income taxes on your deferred comp plan contributions or earnings until you retire and/or begin to take payments from your account. This may lower your taxable income now. If you take income at that time it would not lower your taxable income.
  • Can I afford to save for retirement? You can't afford not to – and since your contributions aren't taxed, contributing to your plan could have less of an impact to your take-home pay than you expect. Use the Paycheck Impact Calculator to see how saving will affect your paycheck.
  • How much should I put in my account? If you're unsure, you can use our tools and Learning Center to help decide how much to contribute, what your risk tolerance is, what funds to choose and how to use your money when you retire. To see the big picture of how much income is needed in retirement, use the My Interactive Retirement PlannerSM and the Retirement Checklist. You can use the My Investment Planner to determine your investor profile and suggest an asset allocation for you.
  • Can I combine retirement accounts? Our Retirement Specialists will work with you to combine, or consolidate your eligible retirement accounts into your deferred comp account. This may make managing your retirement investments a little easier. You may also be eligible for the Deferred Retirement Option Plan (DROP). For more information about DROP and to see if it is right for you, see the DROP Brochure.

    Keep in mind that investing involves market risk including possible loss of principal. Qualified retirement plans, deferred compensation plans and individual retirement accounts are all different, including fees and when you can access funds. Assets rolled over from your account(s) may be subject to surrender charges, other fees and/or a 10% tax penalty if withdrawn before age 59 ½. Neither Nationwide nor any of its representatives give legal or tax advice. Please contact your legal or tax advisor for such advice.

Get the help you need

The sooner you enroll, the more you can potentially save. Take a look at the Enrollment Checklist to see what you’ll need to have handy and enroll today!



Once you enroll in the Florida Deferred Compensation Plan, you’ll want to set up online access so you can view account details 24/7. We offer convenient, secure account access with encryption and firewall protection.

Set Up Online Access Now

Here are some things you can do once you have online access to your account:

Manage your account

  • Check your account balance
  • Update your personal information
  • Get current and past statements

Manage your money

  • Verify your contribution dates and amounts
  • Change how much you contribute and how your money is invested
  • Review available investment options, see fund performance and research funds  

Get the help you need

If you need help setting up online access, we can walk you through it. Talk to one of our Retirement Specialists today.


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