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Retirement Operations Specialist information

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$30.5K

$68.4K

$111K

How much do retirement operations specialist jobs pay per year?

As of Jul 29, 2026, the average yearly pay for retirement operations specialist in the United States is $68,426.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,000.00 and $81,500.00 per year, depending on experience, location, and employer.

How much do retirement specialists make?

Retirement Operations Specialists typically earn a median annual salary of around $50,000 to $70,000, depending on experience, location, and employer size. They often require knowledge of retirement plan regulations and may hold certifications such as the Certified Retirement Counselor (CRC).

What does a retirement specialist do?

A retirement operations specialist manages and processes retirement plan transactions, ensures compliance with regulations, and provides support to clients and plan participants. They often work with retirement accounts, perform data analysis, and use specialized software to maintain accurate records. Strong attention to detail and knowledge of retirement plan rules are essential for this role.

What are Retirement Operations Specialists?

Retirement Operations Specialists are professionals who manage and process transactions, documentation, and compliance for retirement accounts such as 401(k)s, IRAs, and pension plans. They ensure that all retirement account activities adhere to regulatory guidelines and company policies. Their responsibilities often include processing distributions, rollovers, contributions, and maintaining accurate records. They also assist clients and internal teams with questions and problem resolution related to retirement plans. These specialists play a critical role in safeguarding the integrity and efficiency of retirement fund operations.

What are some common challenges faced by Retirement Operations Specialists, and how can they be overcome?

Retirement Operations Specialists often encounter challenges such as managing complex plan regulations, ensuring data accuracy, and meeting tight deadlines for processing transactions. Staying current with frequently changing compliance requirements and coordinating with multiple departments can add to the complexity. These challenges can be overcome by maintaining strong attention to detail, leveraging specialized retirement plan software, and proactively communicating with team members and clients to clarify procedures and resolve issues efficiently.

What is the $1000 a month rule for retirement?

The $1,000 a month rule is a guideline used in retirement planning to estimate the amount of savings needed to generate a $1,000 monthly income, often through investments or withdrawals. Retirement Operations Specialists may use this rule to help clients determine savings goals and develop withdrawal strategies, considering factors like interest rates and inflation.

What are the key skills and qualifications needed to thrive as a Retirement Operations Specialist, and why are they important?

To thrive as a Retirement Operations Specialist, you need strong analytical abilities, attention to detail, and knowledge of retirement plan regulations, typically supported by a bachelor's degree in finance or a related field. Familiarity with retirement plan administration software, recordkeeping systems, and industry certifications like ASPPA or NIPA is often required. Excellent organizational skills, clear communication, and client service orientation are essential soft skills for the role. These skills ensure accurate processing, regulatory compliance, and effective client support in managing retirement plans.

Can I retire at 62 with 400,000 in 401k?

A Retirement Operations Specialist understands that retiring at 62 with a $400,000 401(k) depends on individual expenses, expected retirement lifestyle, and other income sources. Generally, $400,000 may provide a modest retirement income, but it might require careful planning, including withdrawal strategies and possibly delaying Social Security benefits for higher payouts. Consulting a financial advisor can help determine if this amount aligns with your retirement goals and needs.
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What cities are hiring for Retirement Operations Specialist jobs? Cities with the most Retirement Operations Specialist job openings:
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Retirement Operations Specialist jobs near you
Infographic showing various Retirement Operations Specialist job openings in the United States as of July 2026, with employment types broken down into 88% Full Time, 10% Part Time, 1% Temporary, and 1% Contract. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $68,426 per year, or $32.9 per hour.

IRA Operations Specialist

RETIREMENT CLEARINGHOUSE LLC

Charlotte, NC • On-site

$43K - $53K/yr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 2 days ago

New

Job description


Position Title: IRA Operations Specialist
Location: Charlotte, NC
Category:

Shareholder Services/Operations


Exempt/Non-Exempt:

Exempt


Full Time/Part Time:

Full-Time


Job Description:

Job title:

IRA Operations Specialist- Hybrid Opportunity

This position will work in our Charlotte office every Tuesday. Candidates must reside in the Charlotte, NC area.

Company intro:

Retirement Clearinghouse was voted one of the top places to work by Charlotte Magazine in 2024 and 2025! When you join the team, you'll make a real difference and can learn, grow and make a positive impact every day. At Retirement Clearinghouse we are helping millions of Americans preserve their retirement savings. We use innovative technology and provide exceptional customer service to help participants make informed decisions about their retirement accounts without using high pressure sales pitches.

Job position description:

We are looking for an IRA Operations Specialist. The ideal candidate will:

  • Be responsible for the daily processing of lockbox exceptions for payments in RolloverHQ (This includes all lines of business: ARO, Assisted Roll-In, AP, and TSA funding).
  • Review and accurate processing of any participant-driven paperwork received
  • Under guidance of IRA Operations Specialist II or Manager, match funding exceptions to unfunded accounts on IRASmart.
  • Monitor Operations Request system for follow-up needed form IRA Operations team and coordinate obtaining the information for response.
  • Coordinate and retain correspondence to the participant’s record in IRA Smart and HQ, via Operations Request system.

Pay Range: $43,000- $53,000 annually

Shift: Monday - Friday. This position is required to be in the office every Tuesday and as needed.

Top benefits or perks:

As a team member at Retirement Clearinghouse, you’ll enjoy:

  • A culture that fosters a positive work life balance.
  • Hybrid work opportunities.
  • Competitive hourly rate with Bonus potential.
  • 18 days of Paid Time Off per year, 5 sick days per year, 3 Floating Holidays per year (actual time off is prorated the first year and is based upon date of hire)
  • Paid holidays
  • Medical, dental, vision, short-term disability, long-term disability, life insurance benefits on day 1 of employment
  • 401k eligibility and 100% vesting with employer matching on day 1 of employment.
  • Professional Growth and Career Advancement Opportunities

Training is provided to all new hires to help you achieve your goals and ensure your success! Upon successful completion of the onsite training, candidates will be permitted to work remotely on the same terms and conditions as other employees in the position. Employees who wish to work onsite may do so in our state-of-the-art office!

Location:

Retirement Clearinghouse is in the Ayrsley area located in Charlotte, NC, the second largest banking center in the United States.


Salary Range:
Shift:

Days


Work Schedule:
EOE Statement:

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.


Tags:

IRA, Mutual Fund, Banking, Hybrid


Division:

Retirement Clearinghouse LLC


Compensation details: 43000-53000 Yearly Salary


PI67d3b119ce3f-37820-41163621

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