Colorado Retirement Association

Committed to serving all Colorado local government employees

Who’s in the photo: Sgt. Marco Montez & Kent Almond, Mesa County

Established Past, Exciting Future

Originally known as Colorado County Officials and Employees Retirement Association, or CCOERA, we have been a trustworthy local government retirement plan provider for Colorado, with more than 20,000 active employee participants representing Colorado counties, municipalities and special districts.

Our legacy since 1968 has never wavered in helping Colorado local government employees reach their retirement goals. 

Empowering Government Employees with a Better Plan

one-on-one counseling

Individual Retirement Counseling

We are with you every step of the way to answer questions, review your plan and provide resources so you can best prepare for retirement.


Auto-Piloting vs. Mastering Your Own
Best-in-Class Investment Options

Guided by Innovest Portfolio Solutions, a Denver-based registered investment advisory firm, we provide a comprehensive portfolio of high-performing investment funds available to plan participants.


Competitive Fees
No Surprises

As a not-for-profit organization, CRA’s focus is on helping our members save and invest for the future. Plan participants enjoy minimal administration fees for comprehensive plan management services. And you don’t have to worry about hidden fees – we’re fully transparent about our costs.

What People Say about CRA

From my experience, they’ve always been very customer-service driven. Any time I’ve had issues with them or concerns for employees, I’ve been able to visit with staff there and always received excellent guidance on what needed to happen. I have always been really pleased with the way that they make a habit of coming and visiting us.

Beth Spady

Kiowa County Hospital District

Customer-Service Driven

One of their biggest assets is the availability of fund choices. They provide a lot of tools and a lot of information. I appreciate the fact that I can move my stuff around and move within the risk factors that are there. I don’t ever run into any limitations on my flexibility. I think that’s pretty important.

Mike Krening​

Morgan County

Fund Choices and Resources

I like how easy it is to go online on the employer side and make changes. I like the ease of that.

And honestly, their service has been very good. When I email them they answer me right back. I’m sure we’re one of their smaller accounts but it doesn’t feel like it so that is very nice.

Cindy Tompkins

Town of Calhan

Flexible Services

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CRA Coronavirus Update

Following are updates on our operations for the foreseeable future until concerns about the spread of COVID-19 have subsided.

  • Calls/Emails – Our call center will follow standard business hours, and calls into CRA offices will continue to be answered.
  • In-person Meetings – To protect you and our staff, in-person meetings with our client services team will be suspended for the foreseeable future. This also includes in-person visits to our offices in Littleton. However, our staff is available to meet with you via web conference.
  • Group meetings – Our client services team has been contacting member employers to reschedule or postpone group meetings that were scheduled for the coming weeks.

Additionally, we wanted to assure you that CRA, along with our investment advisor and recordkeeper, remain steadfast in closely monitoring the markets and executing our fiduciary responsibilities for your retirement savings.

We recognize that recent market volatility may raise concerns. Drawdowns are part and parcel with financial markets, and the markets have weathered similar storms before. As always, it is important to take a long-term view of retirement savings and have diversified portfolios. CRA target date portfolios are designed to be appropriately diversified for a participant’s anticipated retirement year. Employee participants are always welcome to make changes to their investments by logging into their accounts via or by calling 800.352.0313.

*CRA is not an investment advisor and does not make any representations nor guarantees as to the future performance, risk or return of the funds. This plan and its self-direction provisions are intended to constitute a plan similar to that described in section 404(c) of the Employee Retirement Income Security Act and Title 29 of the Code of Federal Regulations Section 2550.404c-1. The fiduciaries of this plan may be relieved of liability for any losses which are the direct and necessary result of investment information given to the employee.

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