Who Gets Access?
Not everyone is eligible. VOYA deferred comp plan is designed for a select group of highly compensated employees—Vice President level and above—who meet the IRS definition of “highly compensated employees
How Much Can You Defer?
As an eligible employee, you can defer:
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Up to 50% of your Base Salary
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Up to 100% of your Annual Incentive Award (bonus)
Enrollment Window
You must act during the annual enrollment period—typically in the fourth quarter (November) of the year before the compensation is earned.
Once elections are made, they’re irrevocable for the plan year.
Spillover
If you max out your 401(k) early, this plan allows you to keep receiving the company match on deferred comp, so you don’t lose out.
The BluePages Benefits
Your Plan Benefits
Matching
Voya Deferred Comp matches 100% of the first 6% of the eligible pay deferred, reduced by any match already received in the 401(k).
Vesting
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Your own deferrals = always 100% vested
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Voya match = 3-year cliff vesting (fully vested after 3 years)
Investments
Accounts are “notionally invested” in funds that mirror the 401(k) menu—you don’t own the funds directly, but your balance grows (or shrinks) based on their performance.
Distributions
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Choose at enrollment: lump sum or installments over 5, 10, or 15 years
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Paid upon retirement, separation, disability, or death
The BluePages Benefits
Rules in Plain English
Creditor Risks
The Voya Deferred Comp plan is unfunded—balances remain company assets. If Voya were insolvent, participants are unsecured creditors.
Deferred Comp Planning
Simple Pricing
Meet BluePages Founder
Rusty Holcombe, founder of today’s Holcombe Financial, took over from his father in 2007 after growing up in the family’s retirement planning firm. Early exposure to client experiences shaped his vision: a firm that honors the rarity and fragility of wealth. To help clients make smarter decisions, he authored the award-winning You Should Only Have to Get Rich Once and developed proprietary financial planning software, BluePages.
CEO + Strategist
Rusty Holcombe
Russell and his wife Regina live in Decatur, GA and spend weekends growing vegetables at their farm and running very long distances.
Trusted by High-Income Executives at Top-Tier Companies
How BluePages Works
Simplicity + Strategy in One Call
With BluePages personal approach, you get the same tax strategies Fortune 500 insiders use, personalized to your goals.
01
One Pay Stub, One Tax Return and Prior Deferred Comp. Elections
Our encrypted system instantly scans your docs—no forms or spreadsheets.
02
AI-Powered Tax Analysis
We instantly identify optimal deferral amounts and timing strategies.
03
Scenario Review Call
We walk you through exactly how much to defer and when—with side-by-side tax and cash flow projections.
04
Your Personal Playbook
You receive personalized recommendations to optimize your deferred compensation plan.
