New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

Is a Rollover into an IRA the Right Move for You as a CBRE Group Employee?

Healthcare Provider Update: Healthcare Provider for CBRE Group CBRE Group does not operate its own healthcare facility but partners with various healthcare providers to offer employee health benefits. This typically includes a variety of insurance options that may involve working with national insurers, enabling employees to access a diverse range of healthcare services. Potential Healthcare Cost Increases in 2026 In 2026, healthcare woes are poised to intensify for CBRE Group employees as they may face substantial increases in out-of-pocket costs. The expiration of enhanced federal subsidies from the Affordable Care Act (ACA) could lead to premium hikes that exceed 60% in some states, significantly impacting the affordability of healthcare. Additionally, economic pressures and rising medical expenses are compelling employers, including CBRE, to adjust benefits structures, potentially transferring more healthcare costs to employees. Consequently, employees should proactively review their health plans and consider strategies to mitigate rising expenses in the coming year. Click here to learn more

Choosing an IRA rollover means that your money remains tax-advantaged and capable of growth, as in a CBRE Group-sponsored plan. You may also gain more investment options than what may have been available in your CBRE Group-sponsored plan. You may also gain oversight of managing these important retirement assets from your trusted Advisor.

If you roll your retirement plan assets over into an IRA account that you already own through your Advisor, you also receive the benefit of combined statements and holistic investment planning, making it easier to track your overall financial situation.

'Receive the benefit of combined statements and holistic investment planning, making it easier to track your overall financial situation.'

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Some of the benefits of rolling your money into an IRA include:

Tax-deferred growth potential: This generally avoids current income tax and distribution penalties when removed from a CBRE Group-sponsored retirement plan.

More investment choices: This allows for additional contributions, if eligible. IRAs can be combined and handled by one provider, thereby reducing trustee costs and consolidating statements. Protection from creditors in federal bankruptcy proceedings. The combined amount of your required minimum distributions (RMDs) can be taken from any of your Traditional, SEP or SIMPLE IRAs.

However, there are also some important considerations that CBRE Group should make before rolling over their money into an IRA, these include:

Internal management fees might be higher than in a CBRE Group-sponsored retirement plan.
Fees and expenses depend largely on the investments you choose.
Loans from an IRA are not allowed.
Early distributions may be subject to a 10% IRS tax penalty in addition to income tax.
RMDs begin April 1 following the year you reach 70½ and annually thereafter; leaving the money in the former Fortune-500 plan may allow RMDs to be delayed until separation from service.
IRAs are subject to state laws governing malpractice, divorce, creditors (outside of bankruptcy), and other lawsuits; leaving the money in the former CBRE Group-plan may provide additional protection against creditors.
Net unrealized appreciation (NUA) is the difference between what you paid for employer securities and their increased value. You lose favorable tax treatment of NUA if the funds are rolled into an IRA.

Hopefully, these insights will be helpful as you plan your retirement from CBRE Group.

For more information about this topic, view our e-book here: https://retirekit.theretirementgroup.com/will-your-retirement-plan-retire-with-you-e-brochure-offer

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What is the 401(k) plan offered by CBRE Group?

The 401(k) plan at CBRE Group is a retirement savings plan that allows employees to save a portion of their salary before taxes are taken out.

How can employees of CBRE Group enroll in the 401(k) plan?

Employees of CBRE Group can enroll in the 401(k) plan through the company’s benefits portal or by contacting the HR department for assistance.

Does CBRE Group offer a matching contribution for the 401(k) plan?

Yes, CBRE Group offers a matching contribution to the 401(k) plan, which helps employees maximize their retirement savings.

What is the vesting schedule for CBRE Group's 401(k) matching contributions?

The vesting schedule for CBRE Group's matching contributions typically follows a standard schedule, which can be reviewed in the employee handbook or benefits portal.

Can employees of CBRE Group take loans against their 401(k) savings?

Yes, CBRE Group allows employees to take loans against their 401(k) savings, subject to specific terms and conditions outlined in the plan documents.

What investment options are available in CBRE Group's 401(k) plan?

CBRE Group offers a variety of investment options in its 401(k) plan, including mutual funds, target-date funds, and other investment vehicles.

Is there a minimum contribution requirement for the 401(k) plan at CBRE Group?

Yes, CBRE Group may have a minimum contribution requirement for employees wishing to participate in the 401(k) plan, which can be found in the plan documents.

How often can employees change their contribution amounts in CBRE Group's 401(k) plan?

Employees of CBRE Group can typically change their contribution amounts at any time, subject to the plan’s guidelines.

What happens to my 401(k) savings if I leave CBRE Group?

If you leave CBRE Group, you have several options for your 401(k) savings, including rolling it over to another retirement account, cashing it out, or leaving it in the CBRE Group plan if allowed.

Are there any fees associated with CBRE Group's 401(k) plan?

Yes, there may be administrative or investment fees associated with CBRE Group's 401(k) plan, which are disclosed in the plan documents.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

CBRE Group announced a reduction of its workforce by approximately 5% as part of a restructuring plan aimed at optimizing operations and reducing costs. The company also implemented changes to its benefits package, including adjustments to retirement contributions and healthcare benefits.

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For more information you can reach the plan administrator for CBRE Group at 400 S. Hope St. Los Angeles, CA 90071; or by calling them at +1 213-613-3333.