Your plan contacts
Plan investment advisors
Plan administrator
Account access / enroll
Advisor video messages
Retirement planning starts now
AP Anthony Pitti
Crypto: invest without buying coins
MP Matthew Pitti
Rebalance your retirement accounts
AP Anthony Pitti
Contributions to IRAs
AP Anthony Pitti
What to know when inheriting an IRA
AP Anthony Pitti
Investment insights video
MP Matthew Pitti
Education center
Roth or traditional contributions
Which one is right for you? Learn the key differences and how each impacts your tax situation.
Watch video →The impact of a 1% contribution increase
A small change today can mean thousands more at retirement. See how it adds up.
Watch video →How to save $1 million for retirement
Understand exactly how much you need to contribute each month to hit your goal.
Watch video →Rollover options
Changing jobs? Know your options for rolling over your retirement savings without penalties.
Watch video →Age 60–63 catch-up contributions
Near retirement? Take advantage of higher contribution limits available between ages 60 and 63.
Watch video →Beneficiary designations
Make sure the right people receive your account. Keep your designations updated.
Watch video →Plan details
2026 Contribution Limits
$24,500
2026 base employee deferral limit
Employer Match
Up to 4% Match
Irondequoit Liquor automatically matches part of what you contribute
Vesting Schedule
6-Year
Graded vesting on employer contributions
Investment lineup
| Fund name | Category | Ticker | Expense ratio |
|---|---|---|---|
| Stability & Bonds | |||
| Vanguard Cash Reserves Federal MM Adm | Money Market | VMRXX | 0.10% |
| Invesco Core Bond R6 | Intermediate Core Bond | OPBIX | 0.36% |
| Columbia Total Return Bond I3 | Intermediate Core-Plus Bond | CTBYX | 0.39% |
| Vanguard Inflation-Protected Sec Adm | Inflation-Protected Bond | VAIPX | 0.10% |
| Vanguard High Yield Corp Adm | High Yield Bond | VWEAX | 0.13% |
| Target Date & Allocation | |||
| Vanguard Target Retirement Income Fund | Target-Date Retirement | VTINX | 0.08% |
| Vanguard Target Retirement 2020 Fund | Target-Date 2020 | VTWNX | 0.08% |
| Vanguard Target Retirement 2025 Fund | Target-Date 2025 | VTTVX | 0.08% |
| Columbia Balanced I3 | Moderate Allocation | CBDYX | 0.52% |
| Vanguard Target Retirement 2030 Fund | Target-Date 2030 | VTHRX | 0.08% |
| Vanguard Target Retirement 2035 Fund | Target-Date 2035 | VTTHX | 0.08% |
| Vanguard Target Retirement 2040 Fund | Target-Date 2040 | VFORX | 0.08% |
| Vanguard Target Retirement 2045 Fund | Target-Date 2045 | VTIVX | 0.08% |
| Vanguard Target Retirement 2050 Fund | Target-Date 2050 | VFIFX | 0.08% |
| Vanguard Target Retirement 2055 Fund | Target-Date 2055 | VFFVX | 0.08% |
| Vanguard Target Retirement 2060 Fund | Target-Date 2060 | VTTSX | 0.08% |
| Vanguard Target Retirement 2065 Fund | Target-Date 2065 | VLXVX | 0.08% |
| Vanguard Target Retirement 2070 Fund | Target-Date 2070+ | VSVNX | 0.08% |
| Large Cap | |||
| Vanguard 500 Index Adm | Large Blend | VFIAX | 0.04% |
| AB Large Cap Growth Z | Large Growth | APGZX | 0.60% |
| Mid & Small Cap | |||
| Vanguard Mid-Cap Value Index Adm | Mid-Cap Value | VMVAX | 0.07% |
| MFS Mid Cap Growth R4 | Mid-Cap Growth | OTCJX | 1.03% |
| Fidelity Advisor Small Cap Value I | Small Value | FCVIX | 0.83% |
| Vanguard Small-Cap Index Adm | Small Blend | VSMAX | 0.05% |
| Vanguard Tax-Managed Small-Cap Adm | Small Blend | VTMSX | 0.09% |
| Lord Abbett Developing Growth R6 | Small Growth | LADVX | 0.83% |
| Global / International & Specialty | |||
| American Funds New Perspective R6 | Global Large-Stock Growth | RNPGX | 0.40% |
| American Funds Intl Gr & Inc R5 | Foreign Large Blend | RIGFX | 0.58% |
| Vanguard Total Intl Stock Index Adm | Foreign Large Blend | VTIAX | 0.11% |
| Nomura Emerging Markets R6 | Diversified Emerging Mkts | DEMZX | 0.98% |
| American Century Real Estate R6 | Real Estate | AREDX | 0.60% |
Source: Vanguard Retirement Plan Access (recordkept by Ascensus), Irondequoit Liquor 401(k), June 30, 2026. Returns shown are trailing period total returns. Past performance is not a guarantee of future results.
Download fund performance summary (PDF)Contribution calculator
How much will you have at retirement?
Adjust the sliders to see how your contributions grow over time.
Estimated balance at age 65
$0
Based on your inputs
This calculator provides estimates for educational purposes only. Actual results will vary. Consult your financial advisor for personalized guidance.
The Pitti Group podcast
The Finance Things In Life
The Pitti Group Wealth Management