DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND SUCCEED. The Prudential SmartSolution IRA

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1 SUCCEED SUNRISE PHOTOS TAKEN BY REAL PEOPLE OF THEIR ACTUAL DAY ONES OF RETIREMENT. WHAT WILL YOURS LOOK LIKE? The Prudential SmartSolution IRA DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND An easy and flexible way to save, invest, and prepare for your retirement

2 You re working hard to save, invest, and prepare so that when you reach your Day One of retirement, you ll have the income you need for all the days that follow. A Prudential SmartSolution IRA is a flexible addition to your overall retirement income strategy that can help you achieve your retirement savings goals. With the SmartSolution IRA you get: Tax-deferred investing You can roll over money from other retirement plans into a SmartSolution IRA. When you do, you can continue to take advantage of tax-deferred investing until it s time to start making withdrawals. A wide variety of investments to choose from Investment choices from an expansive list of carefully selected retail mutual funds Principal protection and guaranteed rate of return with PruSecure (where available) 1 Help creating guaranteed income for life (where available) 1,2 Tools that make it easier to plan and stay on track Easy investment selection and automatic rebalancing with GoalMaker, an optional asset allocation program available at no additional cost Familiar and easy-to-use website and simplified quarterly statements Flexible enrollment options either online or by paper form Regular contributions can be automatically debited from your bank account Ongoing education and updates on important retirement planning issues, via webinars and podcasts Personal help every step of the way Prudential Retirement Counselors will answer your questions and review your progress to help keep you on track to meet your goals. 1 Guarantees are based on the claims-paying ability of the insurance company and are subject to certain limitations, terms, and conditions. 2 Restrictions may apply. Please see the product prospectus for more information. Terms and availability may vary by state.

3 You can start the journey to a more secure retirement in three quick steps. STEP 1 Choose your IRA Individual Retirement Accounts (IRAs) are retirement accounts that you can set up on your own, even if you participate in other employer sponsored retirement plans. There are two types of SmartSolution IRAs you can choose from: Traditional or Roth. Traditional Roth Contributions to a Traditional IRA may also be tax deductible. That is, you may be able to subtract your annual IRA contribution from your taxable income, thereby lowering your current year s taxes. (Annual income limitations may apply.) Contributions to a Roth IRA are not tax deductible. However, withdrawals from your Roth IRA both the contributions and any earnings may be income tax free. 3 Remember Both Traditional and Roth IRAs allow your money to potentially grow tax deferred in your account. The key difference between these two investment options: an income tax advantage up front, with your contribution, or later, when it s time to withdraw your money. Both allow you to roll over your account from previous employer sponsored plans and make contributions to your account at any time during the year up to the allowable limit. (Income limitations apply.) Contributions to either a Traditional or Roth IRA have potential tax advantages. That is, you don t pay annual income taxes on the earnings while your money is in the account. 3 In order for distributions to be made from a Roth IRA free of penalties and federal income taxes, your Roth IRA must have been established at least five tax years before the withdrawal (period begins with the tax year for which your first contribution is made) and your distribution must be: a) made on or after the date you attain age 59½; b) made to your beneficiary or your estate after your death; c) attributable to your being disabled; or d) taken because you are a qualified first-time homebuyer (lifetime limit of $10,000). Neither Prudential Financial nor any of its representatives are tax or legal advisors and encourage you to consult your individual legal or tax advisor with any specific questions. Rollover assets may be assessed fees or other surrender charges. Please contact current account provider for this information.

4 STEP 2 Decide how to invest your money Regardless of which type of Prudential SmartSolution IRA you choose, it s important to build a portfolio that is tailored to your specific retirement goal. The Prudential SmartSolution IRA includes a broad mix of investment options to choose from, so you have the flexibility to customize a portfolio that complements both how comfortable you are with market fluctuations and your investment time frame. If you are not comfortable building your own investment portfolio, you can take advantage of the Prudential SmartSolution IRA s unique GoalMaker feature, an asset allocation program that s available at no additional cost. GoalMaker matches your investor style and years to retirement to one of 12 investment model portfolios that best suit your retirement goals. 4 GoalMaker also helps you stay on track through automatic rebalancing, which ensures the assets in your portfolio remain allocated over time, in line with your original investment objectives. STEP Build your portfolio 3 GoalMaker is just one of several features that the Prudential SmartSolution IRA offers to help you shape a portfolio specific to your retirement income needs. Investment options PruSecure guaranteed rate of return This stable value investment offers a long-term, guaranteed rate of return. Its yields are published in advance, and its guarantees are backed by the claims-paying ability of The Prudential Insurance Company of America. 5 Prudential Retirement Security Annuity III and IV Prudential IncomeFlex Target, a feature of the Prudential Retirement Security Annuity, can help provide guaranteed lifetime retirement income, regardless of future market performance. 6 Target Portfolio Fund family managed for increased stability The Target Portfolio Fund family offers an array of mutual funds designed to help address short- and long-term investment needs. Some of the portfolios use the complementary styles of more than one manager. Prudential Investments depth of choice The Prudential Investments mutual fund family offers funds across a broad range of asset classes and sectors, including equity, fixed income, real estate and special securities. Additional Premier Money Managers In addition to Prudential Investments, SmartSolution IRA offers a diverse selection of funds from other highly respected money managers, with a variety of management styles and investment options to help you meet your retirement income goals. 4 All investing involves various risks, such as fixed income (interest rate), default, small cap, international and sector including the possible loss of principal. Keep in mind that application of asset allocation and diversification concepts does not ensure a profit or protect against loss. It is possible to lose money by investing in securities. 5 Only available through the Prudential SmartSolution IRA. 6 Guarantees are based on the claims-paying ability of the insurance company and are subject to certain limitations, terms and conditions. Withdrawals or transfers proportionately reduce guaranteed values prior to locking in. After Lock-in withdrawals in excess of the Lifetime Annual Withdrawal Amount will reduce future guaranteed withdrawals proportionately and can even stop them. Please note Market Values are not guaranteed. With respect to the Prudential Retirement Security Annuity III, subsequent purchase payments are not permitted (i.e., purchase payments made after the initial purchase payment). For both Prudential Retirement Security Annuity III and IV, please consult the prospectus for details concerning the Prudential IncomeFlex benefit. With respect to Prudential Retirement Security Annuity III, the prospectus among other things details the conditions under which the IncomeFlex benefit under your employment-based retirement plan is rolled over to the IncomeFlex benefit under Prudential Retirement Security Annuity III. The Prudential SmartSolution IRA product invests in Prudential managed funds. Prudential Investments and Target Portfolio Fund family are Prudential subsidiaries and Prudential earns fees for managing these accounts. These fees are described in the prospectus for each fund.

5 Solutions for life s changes and challenges As you prepare for your Day One of retirement and beyond, you may need to move from one employer to another or from one town to another, but such changes need not derail your other journey toward a financially secure retirement. Prudential is here to help you as you plan for a more secure retirement with our: One-on-one counseling Comprehensive online resources, educational articles, and investment planning tools In fact, change sometimes represents opportunity. It is a chance to review your strategy and make any midcourse corrections necessary to help you stay on track. Here are some options you should consider. Leave your account untouched 7 Money remains tax-deferred Costs may be lower than with other options Investment options remain limited to those in the Plan Transfer your savings to a Prudential SmartSolution IRA Money remains tax-deferred Investment options may be broader than in your current Plan Maintain flexibility and control Have access to Prudential Retirement Counselors Explore potential income solutions when the time is right Roll over to your new employer s retirement plan (if available) Money remains tax-deferred Investment choices will be limited to the Plan s options Cash out This is generally not recommended by most financial professionals, largely because taxes and potential penalties could permanently reduce your payout by up to 50%. 7 Not all accounts can remain in the plan, and there can be a cost to do so.

6 Complete your retirement income strategy and reach your Day One of retirement with confidence with the Prudential SmartSolution IRA. Help is here if you need it You have an array of resources at your fingertips to help you every step of the way with useful planning and educational resources: Go online: Prudential s retirement learning and planning site, offers educational articles, webinars, tutorials, calculators and more, all available at your convenience, to help you make informed decisions. By phone: Prudential Retirement Counselors can help you refine your retirement income strategy over time as your needs change. Retirement Counselors 8 are available toll-free, Monday through Friday, from 8 a.m. to 6 p.m. ET. Prudential has been keeping its promises to individuals for more than 135 years, with a focus on sound money management and superior financial strength. Prudential Financial companies include The Prudential Insurance Company of America (PICA) and Prudential Retirement Insurance and Annuity Company (PRIAC), a wholly owned subsidiary of PICA. Each is solely responsible for its financial condition and contractual obligations. 8 Retirement Counselors are registered representatives of Prudential Investment Management Services LLC, who will receive compensation based on your decision to either keep your funds in your employer-sponsored retirement plan or roll over to a Prudential IRA. These representatives receive additional compensation based on whether and how much you roll over to an IRA, and their compensation recognizes the additional services involved in the rollover process. Such compensation does not differ based on which Prudential IRA you choose or how your money is invested.

7 Important Considerations The decision to roll over from your Plan to an IRA needs careful consideration of the following factors: Compensation The Retirement Counselors are registered representative of PIMS, LLC who will receive compensation if you decide to either roll over your Plan account to an individual retirement account (or IRA ) through Prudential or keep your funds in your employer-sponsored retirement plan. The timing and amount of these compensation payments for an IRA rollover is more favorable than for remaining in the plan. Should you choose to roll to an IRA through Prudential, such compensation does not differ based on which IRA you choose or how your money is invested. Prudential is very likely to earn more revenue if funds are rolled over to a SmartSolution IRA than if maintained in your account balance under your former employer s plan Investment Options If you remain in your former employer s plan, the investment choices are selected by a party that has a fiduciary obligation to act in your best interest. The SmartSolution IRA is not affiliated with any employer-sponsored plan or plan sponsor, and a rollover to an IRA means that you are no longer part of an employer-sponsored plan. Once assets are rolled over to an IRA, they normally cannot be rolled back to a former employer s plan. Penalty-Free Withdrawal If you leave your job between age 55 and 59½, you may be able to take penalty free withdrawals from a plan. In contrast, penalty-free withdrawals generally may not be made from an IRA until age 59½. It also may be easier to borrow from a plan than from an IRA. Protection from Creditors and Legal Judgments Generally, plan assets have unlimited protection from creditors under federal law, while IRA assets are protected in bankruptcy proceedings only. State laws vary in the protection of IRA assets in lawsuits. Required Minimum Distributions Once you reach the age of 70½, the rules for both plans and IRAs require the periodic withdrawal of certain minimum amounts, known as the required minimum distribution. If you are still working at age 70½, generally you are not required to make the required minimum distributions from my current employer s plan which may be advantageous for you if you work into your 70s. Employer Stock If you hold significantly appreciated employer stock in a plan, you should consider the negative tax consequences of rolling the stock to an IRA. If employer stock is transferred in-kind to an IRA, stock appreciation will be taxed as ordinary income upon distribution. The tax advantages of retaining employer stock in a non-qualified account should be balanced with the possibility that you may be excessively concentrated in employer stock. It can be risky to have too much employer stock in my retirement account and it may be advisable to liquidate the holdings and roll over the value to an IRA, even if it means losing long-term capital gains treatment on the stock s appreciation. Fees and Expenses You have the option to maintain your account balance under your former employer s plan instead of rolling my account balance to an IRA, and that the fees associated with remaining in the plan will be different from, and are likely to be less than, the fees of the SmartSolution IRA. Both employer plans and IRAs typically involve investment-related expenses and plan or account fees. You may request a comparison of fees between your former employer s plan record kept by Prudential and a SmartSolution IRA. Investment-related expenses may include sales loads, commissions, the expenses of any mutual funds in which assets are invested and investment advisory fees. Plan fees typically include plan administrative fees such as recordkeeping, compliance, trust fees and fees for services. IRA account fees may include administrative, account set-up and custodial fees. For additional questions or explanations, please contact Prudential Retirement at on (1) compensation (2) investment options (3) penalty-free withdrawals (4) protection from creditors and legal judgments (5) required minimum distributions (6) employer stock and (7) fees and expenses.

8 280 Trumbull Street Hartford, CT Investors should carefully consider a fund s investment objectives, risks, charges and expenses before investing or transferring out of your current retirement plan. For more complete information, please call for a free prospectus that contains this and other information about our funds. For variable insurance products, please read and consider carefully both the contract prospectus and underlying-fund prospectus before investing. It is possible to lose money investing in securities. Shares of the funds are offered by Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You or your agent may wish to consult independent or legal or financial advice before selling or liquidating any assets and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold. Investment advisory services provided by Global Portfolio Strategies, Inc., a registered investment advisor and Prudential Financial company. Investors should consider the contract and the underlying portfolio s investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectuses, which can be obtained by calling your Financial Professional or logging onto the Prudential Online Retirement Center. You should read the prospectuses carefully before investing. Prudential Retirement Security Annuity I (The Annuity) is a variable annuity issued by Prudential Retirement Insurance and Annuity Company ( PRIAC ), Hartford, CT and distributed by Prudential Investment Management Services LLC, both are Prudential Financial companies. You must be at least 50 years of age to participate in Prudential IncomeFlex Select. Eligible investors may purchase the Annuity through a Prudential SmartSolution IRA. The Annuity or certain of its investment options or features may not be available in all states. Variable annuities are suitable for longer term investing and contain fees, exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details. Contract forms #ALC-408-IFGW-2006, or state variation thereof. Guaranteed growth of the Income Base ends at age 70 or when guaranteed withdrawals begin, whichever is earlier. Withdrawals in excess of the guaranteed lifetime income amount will reduce future guaranteed withdrawals proportionately and can even stop them. The Prudential Retirement Security Annuity III and IV are variable annuities issued by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT and distributed by Prudential Investment Management Services LLC, Newark, NJ (MemberSIPC). Both are Prudential Financial companies and each is solely responsible for its financial condition and contractual obligations. Prudential IncomeFlex Target Portfolios are variable investment options offered under the annuity. Eligible investors may purchase the Annuity through a Prudential SmartSolution IRA. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Contract forms # ALC-408-TGWB-2011-ROTH, ALC-408-TGWB-2011-NR, ALC-408-TGWB-II-2011-ROTH, ALC-408-TGWB-II-2011-NR or state variation. Annuities: Not Insured by FDIC or any Federal Government Agency; May Lose Value; No Bank Guarantee. Variable annuities are suitable for long-term investing, particularly retirement savings. The PruSecure Account is a group annuity product issued by The Prudential Insurance Company of America (PICA), Newark, NJ Amounts contributed to the contract are deposited in PICA s general account. Payment obligations and the fulfillment of any guarantees specified in the group annuity contract are insurance claims supported by the full faith and credit of PICA. PICA periodically resets the interest rate credited on contract balances, subject to a minimum rate specified in the group annuity contract. Past interest rates are not indicative of future rates. This product is neither a mutual fund nor a bank product. The obligations of PICA are not insured by the FDIC or any other federal governmental agency. Prudential Retirement is compensated in connection with this product when general account investment returns exceed the interest credited on contract balances. Other than such compensation, there are no additional charges imposed that reduce the interest rate credited. The Prudential SmartSolution IRA invests in Prudential managed funds. Target Portfolio Fund family and Prudential Investments (including Prudential Jennison) are Prudential subsidiaries and Prudential earns fees for managing these accounts. These fees are described in the prospectus for each fund. GoalMaker s model allocations are based on generally accepted financial theories that take into account the historic returns of different asset classes. But, of course, past performance of any investment does not guarantee future results. Prudential Financial encourages participants to consider their other assets, income, and investments when enrolling in the GoalMaker program. We also recommend participants periodically reassess their GoalMaker investments to make sure their model portfolio continues to correspond to their changing attitudes and retirement time horizon Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide ROBR043 05/2015

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