To help protect your retirement account and personal information, Ubiquity requires Two-Factor Authentication (2FA) when logging in to our system. This added layer of security helps ensure that only you can access your account—even if someone else has your password.

What is 2FA?

Two-Factor Authentication (2FA) is a security process that requires two forms of verification before granting access:

  1. Something you know (your password), and

  2. Something you have (a code sent to your phone or email)

This means that even if your password is compromised, your account is still protected.

Why Does Ubiquity Require 2FA?

Ubiquity is committed to keeping your account secure. With growing cyber threats, relying on just a password is no longer enough. By requiring 2FA, we significantly reduce the risk of unauthorized access to your sensitive data.

How Does Ubiquity's 2FA Work?

Ubiquity uses Twilio as our 2FA provider. Starting May 20, 2025, there is a new 2FA verification process. Here’s how verification works depending on your situation:

  • Existing users logging in for the first time since May 20, 2025
    You will automatically receive a one-time verification code by email. Enter this code to complete your login. 

  • Brand new users
    When you set up 2FA for the first time, your initial verification code will be sent to you by email. After setup, you can choose your preferred method (App, text, voice call, or email).

  • Existing users who have logged in on or after May 20, 2025
    You will continue to receive your verification code using the last method you selected (text, voice call, or email). You can also "Change Your Verification Method" to change to an previously verified method. 

You can update your 2FA preference at any time in your account settings.

2FA Delivery Options

You can choose one of the following options to receive your verification code:

1. Use an Authenticator App (Available Starting August 27, 2025)

Beginning August 27, 2025, the option to use an authenticator app to receive your one-time verification code is available. Supported apps include Twilio Authy, Google Authenticator, and Microsoft Authenticator.

Using an authenticator app is the most secure method of 2FA because it generates the code directly on your device, without relying on text, email, or phone networks. For this reason, it is our recommended option for all users.

Don’t want to use an app?

That’s okay—we understand that not everyone prefers, or can use app-based verification. You can continue to use one of our alternative delivery methods:

  • Text message (SMS)

  • Voice call

  • Email

You’ll be able to select your preferred 2FA method during the login process.

2. Text Message (SMS) to Cell Phone

  • A 6-digit code will be sent via text.

  • ⚠️ Please note: some authenticators do not support sending 2FA codes via SMS to prepaid cell phones. If you are using a prepaid plan, we recommend choosing one of the other options.

3. Voice Call to a Cell Phone, Landline, or VOIP Number

  • You’ll receive an automated voice call that reads the code aloud.

  • This is a great option for users without access to text messaging.

4. Email

  • A code will be sent to your registered email address.

  • Make sure to check your spam or junk folder if you don’t see the email right away.

💡 Tip: Select the method that you can access quickly and reliably each time you log in.

How to change your 2FA method (step-by-step)

  1. Sign in to your account 

  2. In the top-right corner, click My Profile to open Profile Settings.

  3. In your profile, locate the Two-Factor Authentication (2FA) module.

  4. Under Verification Method, select your preferred option: App,Text (SMS), Voice Call, or Email.

  5. Click Save 2FA Settings.

  6. Check your chosen method for a new one-time verification code (token).

  7. Enter the code when prompted to confirm your change and complete login.

  8. You’re all set—your 2FA method is now updated and will be used the next time you sign in.

What happens if you don’t complete the code step?

Your new method won’t be saved. Repeat the steps above and make sure to enter the one-time code to finalize your change.

Troubleshooting Tips

  • Didn’t get the code?

    • For text/voice, ensure your phone has signal and isn’t blocking unknown numbers.

    • For email, check spam/junk and verify you can receive mail at that address.

  • Code expired? Codes are time-sensitive. Choose Resend code and enter the newest one.

  • Wrong number or email on file? Update your contact info in Profile Settings first, then repeat the steps above.

  • No access to your previous method? Choose Email (if accessible) or contact us for help regaining access.

If you have questions, email us at info@myubiquity.com or chat with us 24/7 by clicking the chat icon after logging into your account at MyUbiquity.com.