Edison
Retirement Planning Resources & Tools
Free calculators, guides, and resources to help you optimize your Southern California Edison retirement planning.
Free Retirement Tools
Is your risk aligned with your goals?
Is your retirement portfolio aligned with your investment goals?
Find your Risk Number to see if your current risk level matches what you’re truly comfortable with and what your goals require. It takes only a few minutes to complete the quick assessment and get a clear, personalized score from 1-99—helping ensure your investments stay on track without unnecessary stress or missed potential.
Video Resources
Frequently Asked Questions
01 How Can I Gain Access to the Money in My Retirement Account?
Our team can help facilitate a rollover of your 401(k) retirement account funds into an IRA (typically available after age 59½ or separation from service). Once in the IRA, you gain flexibility and liquidity to take distributions as needed directly to your bank account.
02 Which investment tier is right for me - Target Date Funds, Core Funds, or Self-Directed?
It depends on your goals, risk tolerance, and time horizon. Target Date Funds offer a simple, hands-off approach that automatically adjusts over time. Core Funds provide more control with individual options. The Self-Directed Brokerage Account (Tier 3) allows broader investment choices but can benefit from investment expertise and active management. We can review your situation and help determine the best fit.
03 What's the difference between pre-tax and Roth contributions in my Edison 401(k)?
Pre-tax contributions reduce your taxable income now, with taxes paid on withdrawals in retirement. Roth contributions are made with after-tax dollars, so qualified withdrawals (including earnings) are tax-free in retirement. The right choice depends on your current tax bracket, expected future taxes, and retirement timeline.
04 When can I take in-service withdrawals from my Edison 401(k) account?
In-service withdrawals are generally limited and depend on plan rules (often available after age 59½ while still employed, or for specific hardships). We can help clarify your options and explore whether a rollover or other strategy makes sense.
05 How do I access the Self-Directed Brokerage Account (Tier 3)?
The Self-Directed Brokerage Account allows you to invest in a wider range of options beyond the plan’s core menu. Once created, access is typically through the Edison 401(k) platform—log in and navigate to the Tier 3 section. We can guide you through the process and discuss whether it aligns with your goals.