What is the LOSAP HEROPLUS℠ Program?
The HEROPLUS℠ Program is a Length of Service Award Plan (LOSAP) designed specifically for emergency services volunteers, including volunteer firefighters and volunteer EMS workers.
The unique structure of the HEROPLUS℠ Program provides a broad choice of investments and third party administration in one simple plan.
Emergency services volunteers are the lifeblood of the communities they serve. Now, you have a way to attract and reward these dedicated volunteers with the HEROPLUS℠ Program.
The HEROPLUS℠ Program is offered in 49 states except NJ.
CONTACT USHelpful Content
Understanding ETFs: Building Blocks of Modern Investing
Educational ETF infographic explaining benefits, types & mechanics. Features current statistics and citations.
To choose a plan, it’s important to ask yourself four key questions.
Password Protection Strategies
Simple steps may help you foil hackers and protect your privacy.
Required Reading: The Economic Report of the President
The Economic Report of the President can help identify the forces driving — or dragging — the economy.
Immediate vs. Deferred Annuities
Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities.
Retirement Strategy After a Job Loss
Job loss can shake both finances and confidence, reassessing your retirement strategy is key to moving forward with clarity.
Rebalancing Your Portfolio
Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
Risk Perspective
Is it possible to avoid loss? Not entirely, but you can attempt to manage risk.
What to Look for in Personal Finance Apps
An increasing number have been developed to help individuals with their personal finances.
View all articles 
Historical Inflation
See how the purchasing power of a dollar has changed over time due to inflation.
Roth 401(k) vs. Traditional 401(k)
Compare Roth and traditional 401(k) options to see which may work better for your situation.
Lifetime of Earnings
Estimate how much you may earn over your working years based on your current income.
Monthly Budget
Track your monthly income and expenses to get a clearer view of your cash flow.
Simple 401k
See how increasing your 401(k) contributions today could affect your balance at retirement.
How Compound Interest Works
Explore how compound interest can grow your money over time with this interactive tool.
View all calculators 
How Cash Apps Work
Peer-to-peer payment apps are one of the newest ways to send money.
From Boats to Brokers
From the Dutch East India Company to Wall St., the stock market has a long and storied history.
What Can a Million Dollars Buy You?
$1 million in a diversified portfolio could help finance part of your retirement.
Top 5 Things to Tell Your Financial Pro
Here are the top 5 things your team may want to hear.
Surprises
Making the most of surprises is a great reason to work with us.
Risk Tolerance: What’s Your Style?
Learn about what risk tolerance really means in this helpful and insightful video.



