Guys I'm confused, do we have an IRA account with PwC or is it just 401K?

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You can’t have an IRA with any company. IRA is a personal retirement account while 401k is a company sponsored retirement account. So you definitely have a 401k account.

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Staying here 5 years seems like hell

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I thought vesting was 0, 20, 40, 60, 100?

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PwC 7 -it is

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You do have a wealth builder account, and that’s more akin to some kind of pension plan.

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Wealth builder is basically the same as if the firm matched 3-5% (depending on years of service) of your salary to a 401(k), but it’s independent of how much you contribute. Vesting timeline is same as your 401(k).

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Just finished year 2. Feels like an eternity

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^but we don’t vest at all in the wealth builder until after 3 years right?

How does the wealth builder work?

You vest 20% each year and fully vest in 5 years

^^thats why they do it

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