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Find your fit
Start smart with a Fidelity consultation
You can meet one-on-one via Zoom with a Fidelity professional and get retirement planning guidance tailored to your unique needs from someone who understands how the Sandia 401(k) works.
Discover plan features to help you customize your saving and investing strategy, model retirement costs and make a smart play for the future.
Log in to your Fidelity account to sign up, then use the Saba scheduling tool to schedule your session.
More smart money moves
Take advantage of these financial benefits to make your paycheck stretch further.
Pay your student loans and still get your 401(k) match
Worried that prioritizing student loan payments means you’ll miss out on the 401(k) match from Sandia? Fret no more because you can do both!
Sandia treats eligible federal and private student loan payments that you make to your U.S.-based loan provider the same way as 401(k) salary deferrals. You receive the Sandia 401(k) match of 66.667 cents for every dollar you pay on your loans, up to the first 6% of your earnings.
Eligible loans include your own student debt as well as cosigned and parent loans for your undergraduate or graduate education.
To get the match, log in to your Fidelity account and add your eligible student loans. You can track your payments there too.
Save on taxes
If you’re enrolled in the Health Savings Plan, you and Sandia contribute to a Health Savings Account (HSA). The money in your account helps you cover out-of-pocket medical expenses. You can also use the money in your HSA to pay for everyday health-related purchases.
The money in your HSA covers items like sunscreen, allergy medications, first aid supplies, feminine hygiene products and more. Even better, your paycheck goes further when you pay for them with the pretax dollars in your HSA.
Over the course of a year, these expenses can add up and eat a big chunk of your disposable income. For a list of HSA-eligible expenses, check out the Optum medical expense eligibility tool.
To pay with money from your HSA, use your HSA debit card, or pay out of pocket, save and store your receipts, and submit them at any time through the Optum Bank website.
When contributing to your HSA, keep in mind that your contributions and Sandia’s cannot exceed annual IRS limits. Sandia’s contributions include a match on what you contribute and incentives you earn for completing healthy activities. Get all the details at hr.sandia.gov.
Find — and pay for — affordable day care
Partner with a dedicated care expert who can help you find reputable day care that fits your budget. Finding the right caregiver for your little one can be a big, stressful decision. You don’t have to go it alone.
Work with Wellthy to get support. It’s easy to set up a Wellthy account, share your care needs and get matched with a care professional. Get started at wellthy.com/sandia.
Sandia Childcare Fund
Sandia will reimburse eligible employees up to $1,500 each year to help offset the cost of childcare during business hours. Visit Inspira Financial or call 833-419-0287.
Dependent Care Flexible Spending Account (DCFSA)
A DCFSA helps stretch your paycheck. With the DCFSA, you set aside tax-free money to help pay for qualified dependent care while you’re at work.
Contribute $100 to $5,000 per year. (IRS limits apply if both you and your spouse have a DCFSA.)
Use your account to pay for eligible dependent care expenses for your children under age 13 or for older children and family members who need help caring for themselves.
Eligible expenses include before-school and after-school programs, day care, day camps, nanny care, preschool tuition and eldercare expenses.
Inspira Financial administers the DCFSA. You can enroll in the DCFSA during benefits open enrollment each year.