contact us

SMART Plan participants can access account information 24 hours a day on the Web or on the phone. The SMART Plan's approach to service is based on convenience – service is a call, click or visit away.

SMART Plan Customer Service Center 1-877-457-1900

Speak to a Customer Service Associate

Monday-Friday, 9 a.m. to 8 p.m. ET

Access automated account information

24 hours a day | 7 days a week

Special needs assistance

1-800-766-4952 (TDD)

Your Personal Identification Number (PIN) and Social Security number are required for account access by phone. If you don't know your PIN, a SMART Plan Customer Service representative will assist you.1

SMART Plan Website

To the right, enter your Username and PIN to access your account.

Account Overview

View account overview, paycheck contributions, and your investments.


Manage your investments, i.e., fund transfers, reallocate balance, and schedule rebalancing.

My Profile

Update contact information and mail delivery preference.

Investment Information

View fund performance, information and daily prices.

Sign up for Empower Retirement Advisory Services.

Registration for first-time users and login are required for online account access. Call the Customer Service Center at 1-877-457-1900 for assistance.

1 The account owner is responsible for keeping their PIN/passcode confidential. Please contact Client Services immediately if you suspect any unauthorized use.

One of the benefits offered by the SMART Plan is the availability of local SMART Plan representatives. Sometimes, there is simply no substitute for meeting in person. With a strong local presence of representatives located throughout the state, it's simple to find the one who is most convenient to your location.

Your local SMART Plan representative can meet with you individually to discuss your retirement planning goals; provide education on the investment options offered through the SMART Plan, including an overview of Empower Retirement Advisory Services; and offer assistance in reviewing retirement and distribution options. Additionally, representatives work closely with your employer to offer educational group sessions on a variety of topics.1

Click here to find names and contact information.

1 Representatives of Empower Retirement do not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client unless explicitly described in writing. Please consult with your investment advisor, attorney and/or tax advisor as needed.

To meet with a SMART Plan representative, you may visit one of the following locations during available hours.  To schedule an appointment, call the SMART Plan Service Center at (877) 457-1900 and say "Representative", then request to be connected to your local office.1



One Winter Street, 8th Floor
Boston, MA 02108

Representative available:
Monday through Friday


255 Bear Hill Road
Waltham, MA 02451

Representative available:
Monday through Friday


31 St. James Avenue, Suite 810
Boston, MA 02116

Representative available:
By appointment only


859 Willard Street
Quincy, MA 02169

Representative available:
By appointment only


One Financial Plaza
1350 Main Street, Suite 1213
Springfield, MA 01103

Representative available:
Monday and Wednesday


2 Chestnut Place/22 Elm Street
Worcester, MA 01608

Representative available:
Monday and Thursday

1 Representatives of Empower Retirement do not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client unless explicitly described in writing. Please consult with your investment advisor, attorney and/or tax advisor as needed.

The Advantages of Choosing the Massachusetts Deferred Compensation SMART Plan

Saving Dollars...

Administrative and investment management fees can have a profound impact on participants' long-term investment performance. Accordingly, the SMART Plan's goal is to minimize fees while preserving or enhancing the quality of the Plan's services and the performance of its investment options.

The SMART Plan uses its asset base to achieve favorable pricing and, wherever possible, strives to offer "institutionally priced" investment vehicles instead of more expensive retail mutual funds. Where appropriate, the SMART Plan also seeks to realize economies of scale from the Commonwealth's other investment management relationships (e.g., managers for the Pension Reserve Investment Trust) to secure more favorable pricing for participants. Further, the SMART Plan's agreements with its plan administrator and investment managers require them to notify the Plan if they provide similar services to other clients at lower fees.

Insisting on complete disclosure of all fees that are directly or indirectly charged to participants, the SMART Plan discourages "bundled" fees for combined administration and investment management services because it fosters conflicts of interest and reduces choice, which may work to the detriment of participants. If you compare the SMART Plan's administrative and investment management fees with those of your current vendor, it is likely you will find that your employees are paying fees that are significantly higher than the amount they would be charged as participants in the SMART Plan.

...Makes Sense

Along with the fiscal benefits, the SMART Plan makes good sense. In addition to potentially lower fees for participants, your office will have support with its fiduciary responsibilities. The Office of the State Treasurer will assume the responsibility for the selection and oversight of the broad array of quality investment options offered under the Plan.

Other duties and responsibilities of the SMART Plan include:

  • Development and implementation of administrative and investment policy, including the Plan's investment structure and investment offerings
  • Selection of service providers and the evaluation of their performance
  • Monitoring of Plan performance and operations
  • Educating and communicating with participants via award-winning marketing pieces and non-commissioned representatives dedicated to the SMART Plan
  • Full fee disclosure, ensuring no hidden fees, no Deferred Sales Charges, and no contractual obligations for participants

These features provide you with the ability to focus your time and energy on the primary duties of your office, while offering an exceptional benefit to your employees. Learn more today or contact your local representative to set up a meeting convenient for you. Call (877) 457-1900.