Get Ready to Enroll


It's easy to participate in the FrontLine Plan. You can get started right away. Not sure if you're eligible? See if your employer is on the list of eligible employers.

Start Online Enrollment Now

Not ready to sign up yet? Get more info about how deferred comp works and why you should participate in the FrontLine Plan.

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Why Enroll Now?

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 the FrontLine 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 the plan:

  1. You can start anytime — The FrontLine Plan will work for you whether you're approaching retirement or just getting started saving. This is because time and compounding work together to help build momentum for your money. The sooner you start, the more you could have at retirement. Keep in mind that investing involves market risk, so there's no guarantee you'll reach your investment goals.
  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 your FrontLine Plan account — it's an easy way to save a little more.
  3. This plan is made for you — Unlike other retirement plans, the FrontLine Plan takes into account that first responders like 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.
    Withdrawals are taxable income to you in the year the payments are made.
  4. Service you can count on for FrontLine Plan participants

    The FrontLine Plan offers:

    • A local representative who can assist you with enrollment, and provide information concerning asset allocation and investing.
    • Dedicated home office Retirement Specialists, who are familiar with the unique rules for the FrontLine Plan. Contact us during regular business hours.
    • Morningstar® Retirement ManagerSM that provides asset allocation guidance, investment research, participant education and on-going measurement. Enroll and then set up online access to use the tool.
    • Nationwide's Retirement Income Management Team to provide you with comprehensive information regarding your retirement distribution options, so that you can select an option to best meet your individual retirement income needs.

Read more about why the FrontLine Plan may be right for you.

Get the help you need

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

Start Online Enrollment



Making Investment Decisions

Your employer has selected 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.

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.

I'll do it 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 current performance of the funds offered by your employer to help you decide. Just remember we’re always here if you have questions.

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.



Enrollment Checklist

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.



How Does it Work?

The FrontLine Plan is a 457b deferred compensation retirement plan created to allow first responders like you to put aside money from each paycheck toward retirement. The FrontLine Plan can help bridge the gap between what you have in your pension and Social Security, and how much you’ll need in retirement. Your employer may also offer Roth 457b accounts within the 457 plan.

Here are some answers to questions you may have about deferred comp plans:

  • What sets a 457b apart from other retirement plans? A 457b may offer benefits other retirement plans can’t, like penalty-free withdrawals once you stop working for your public sector employer and, as retired or disabled firefighter, you may be able to have a maximum of $3,000 per year sent tax-free directly from your FrontLine Plan account to pay health and long-term care premiums.
  • 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.
  • How much can I put into a 457 plan? Check out the current contribution limits.

Keep in mind that investing involves market risk including possible loss of principle.

Get the help you need

The sooner you enroll, the more you can potentially save. Take a look at the Enrollment Checklist for tips on information that you’ll need to have handy for enrollment and enroll today!



Set Up Online Access

Once you enroll in the FrontLine 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 total 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
  • Sign up to have your account automatically rebalanced every quarter (Automatic Asset Rebalancing or AAR)

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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