1 Guaratee cliets Withdrawals with SuAmerica Icome Plus 6% SM More Now More Later More Flexibility Growth with SuAmerica Icome Builder 8% SM For fiacial professioal use oly. Not for distributio to the public.
2 Cliets eed More Icome Now, More Icome Later ad More Icome Flexibility Today s Ivestors Face Critical Icome Challeges Over the past few years, difficult market coditios ad a challegig ecoomy have come together to form a perfect storm for ivestors approachig retiremet or already retired. May cliets: Are ow approachig retiremet with smaller retiremet portfolios ad eed a recovery strategy Need to take immediate icome from dimiished retiremet assets Require a icome stream to start at a earlier age due to a job loss or icome reductio However, most fiacial products are ot well suited to address these critical icome challeges. The guaratees associated with these protectio features are backed by the fiacial stregth ad claims payig ability of the issuig isurace compay. Optioal protectio features are available at the time of purchase. To realize the beefits of a icome protectio feature, cliets must take withdrawals withi the parameters of the feature. Depedig upo the performace of the ivestmet, cliets may ever eed to rely o the protectio provided by these optioal isurace features. Ivestmet requiremets, age restrictios ad other limitatios apply to these features. Not all features are available i all states. Please see a prospectus or cliet kit for complete details. 2 For fiacial professioal use oly. Not for distributio to the public.
3 SuAmerica Delivers a Icome Advatage We desiged our ew guarateed miimum withdrawal beefits to provide maximum icome for ivestors i today s challegig climate. Now you ca offer cliets: Higher guaratees to help cliets icome recover from uprecedeted market declies Higher withdrawal rates at a earlier age Guarateed lifetime icome so cliets eedig more icome sooer do t sacrifice their safety et Ivestmet cotrol so that you ad your cliets ca decide how to allocate assets Higher icome potetial with a RMD ad 72(t) Advatage Itroducig the ew Icome Plus 6% ad Icome Builder 8% livig beefit optios i select Polaris Variable Auities. Auities are desiged for log-term retiremet ivestig. Withdrawals of taxable amouts are subject to ordiary icome tax ad, if take prior to age 59½, a 10% federal tax pealty may apply. Early withdrawals may be subject to withdrawal charges. A ivestmet i a variable auity ivolves ivestmet risk, icludig possible loss of pricipal. The cotract, whe redeemed, may be worth more or less tha the total amout ivested. 3
4 SuAmerica Icome Plus More Icome Now & Icome Plus 6% Key Advatages: 6% withdrawal rate, as early as age 45, for more icome ow 6% icome credit for 12 years for more icome later Potetial to keep the differece with a partial icome credit eve i years withdrawals are take 1 Doublig of icome floor after 12 years (200% of first-year premiums) if o withdrawals are take, with a 6% withdrawal rate available at that time Opportuity for market step-ups ad stacked icome credits Opportuity for aual market step-ups as log as cash value remais Available to issue ages 45 to 80 Cliet Profile Curret retirees who eed to geerate greater icome ow or later while maitaiig lifetime icome protectio. Cliets lookig for a RMD Advatage with guarateed risig icome or the ability to cotiue to grow their future icome potetial while takig distributios. Cliets affected by lay-off, job displacemet or pay reductio who eed to take early icome uder 72(t) or 72(q). Optio Maximum Aual Withdrawal Amout (Percetage of Icome Base) Protected Icome Paymet Percetage* Sigle Life 6.0% 4.0% (3% if withdrawals start before 65) Joit Life 5.5% 4.0% (3% if withdrawals start before 65) * I the evet the cotract value declies to zero, cliets will cotiue to receive guarateed lifetime icome for as log as they live. 4 For fiacial professioal use oly. Not for distributio to the public.
5 6% SM offers More Icome Flexibility With a RMD ad 72(t) Advatage! Icome Plus 6% Provides a Icome Advatage for More Tha 40 Years! (Hypothetical sceario based o the assumptios below) Age Icome Plus 6% 5 for Life Feature SuAmerica Cumulative W/D Amout Cumulative W/D Amout Cumulative Icome Advatage Dollar Amout Percetage 65 $6,000 $5,000 $1,000 20% 70 $36,000 $30,000 $6,000 20% 75 $66,000 $55,000 $11,000 20% 80 $96,000 $80,000 $16,000 20% 85 $126,000 $105,000 $21,000 20% 88* $144,000 $120,000 $24,000 20% 90 $152,000 $130,000 $22,000 17% 95 $172,000 $155,000 $17,000 11% 112 $240,000 $240,000 /a *Protected Icome Paymet of 4% begis ad cotiues for life Assumptios of Hypothetical Sceario: Max. Aual Withdrawal: 6% / 4% 3% growth rate et of fees vs. 5% for life (sigle life optio) Withdrawals start immediately Age: 65 Ivestmet: $100,000 (o subsequet ivestmets) No icome credits for either feature due to immediate maximum withdrawals Icome Plus 6% provides more icome at earlier ages ad greater lifetime icome With Icome Plus 6%, cliets ca receive more icome early i retiremet whe spedig is ofte highest. I the hypothetical sceario above comparig Icome Plus 6% to a 5% for life withdrawal rate, cliets would receive 20% more icome from Icome Plus 6% for most of their retiremet. The higher aual withdrawal amouts cotiue through age 88 as illustrated by the cumulative withdrawal amout i this example, ad are oly reduced if their cotract value drops to zero. I this sceario, the cumulative icome from Icome Plus 6% would remai higher tha the 5 for life feature util age 112! Note, this is a hypothetical example to illustrate how Icome Plus 6% differs from a 5 for life feature that guaratees withdrawals of 5% of Icome Base for life. This example assumes all other variables are the same. Products may have additioal material differeces i isurace charges icludig M&E fees, admiistrative fees, ad withdrawal charges as well as the fees associated with the uderlyig variable portfolios. Icome protectio features may also differ materially i ways other tha illustrated above. This example does ot reflect the performace of ay specific ivestmet. Refer to the back cover for more iformatio about Icome Plus 6%. 5
6 SuAmerica Icome Builder More Icome Later & Icome Builder 8% Key Advatages: 8% icome credit for 12 years for more icome later No icome credit i years withdrawals are take 5.5% withdrawal rate, as early as age 45 Icome credit resumes i years withdrawals are ot take durig first 12 years so cliets ca start ad stop icome as eeded Doublig of icome floor after 12 years (200% of first-year premiums) if o withdrawals are take, with a 5.5% withdrawal rate available at that time Opportuity for market step-ups ad stacked icome credits Opportuity for aual market step-ups as log as cash value remais Available to issue ages 45 to 80 Cliet Profile Cliets who ca wait to take icome ad are lookig for maximum icome potetial i retiremet. Greater icome growth potetial with a 8% icome credit or market step-up i years withdrawals are ot take A 5.5% withdrawal rate (sigle life) for greater access to their icome base whe withdrawals begi Optio Maximum Aual Withdrawal Amout (Percetage of Icome Base) Protected Icome Paymet Percetage* Sigle Life 5.5% 4.0% (3% if withdrawals start before 65) Joit Life 5.0% 4.0% (3% if withdrawals start before 65) * I the evet the cotract value declies to zero, cliets will cotiue to receive guarateed lifetime icome for as log as they live. 6 For fiacial professioal use oly. Not for distributio to the public.
7 8% SM offers More Icome Flexibility Icome Builder 8% Provides a Icome Advatage for Nearly 60 Years! (Hypothetical sceario based o the assumptios below) Age Icome Plus 8% Cumulative W/D Amout 6% Icome Credit Feature Cumulative W/D Amout 65 $9,900 $8, $59,400 $48, $108,900 $88, $158,400 $128,000 82* $178,200 $144, $199,800 $168, $221,400 $192, $235,800 $208,000 SuAmerica Cumulative Icome Advatage Dollar Amout Percetage $1,900 24% 95 $271,800 $248,000 $23,800 10% 124 $480,600 $480,000 /a *Protected Icome Paymet of 4% begis ad cotiues for life $11,400 24% $20,900 24% $30,400 24% $34,200 24% $31,800 19% $29,400 15% $27,800 13% Assumptios of Hypothetical Sceario: SuAmerica Icome Credit: 8% Other Icome Credit: 6% Max. Aual Withdrawal: 5.5% / 4% vs. 5% for life (sigle life optio) Age: 55 at issue Withdrawals delayed 10 years ad start at 65 Ivestmet: $100,000 (o subsequet ivestmets) 3% growth rate et of fees Icome Builder 8% provides cliets with more retiremet icome later With Icome Builder 8%, cliets have the potetial to build more icome for retiremet with a 8% icome credit for up to 12 years i years withdrawals are ot take. Ad, whe cliets are ready to take icome, they have greater access to their moey with a higher withdrawal rate. I the hypothetical sceario above, withdrawals begi 10 years after issue i both features, ad the cumulative icome from Icome Builder 8% is already 24% higher through age 82. This icome advatage is oly reduced if their cotract value drops to zero. I this case, the cumulative icome from Icome Builder 8% would still remai higher through age 124! Note, this is a hypothetical example to illustrate how Icome Builder 8% differs from a feature with a 6% icome credit ad guaratees withdrawals of 5% of Icome Base for life. This example assumes all other variables are the same. Products may have additioal material differeces i isurace charges icludig M&E fees, admiistrative fees, ad withdrawal charges as well as the fees associated with the uderlyig variable portfolios. Icome protectio features may also differ materially i ways other tha illustrated above. This example does ot reflect the performace of ay specific ivestmet. Refer to the back cover for more iformatio about Icome Builder 8%. 7
8 Protectio-Based Fee: Greater Icome Protectio ad Value for Ivestors SuAmerica is able to offer greater icome protectio to your cliets through the iovatio of protectio-based pricig. Historically, the fee for ay livig beefit has geerally bee set to cover the ogoig cost of hedgig durig the etire time a cliet ows the cotract. However, hedgig costs cotiuously chage as market volatility moves the cost of the hedges up or dow. With our protectio-based pricig, the cliet shares i the cost of hedgig whe volatility goes up, but we pass the savigs o to the cliet by lowerig their fee whe the cost of hedgig goes dow. The fee rate is guarateed for the first year ad the ca go up or dow quarterly based o a pre-determied, o-discretioary formula. SuAmerica s iovative ad trasparet pricig model is the same for both Icome Plus 6% ad Icome Builder 8%. Optio Iitial Fee Miimum Fee Maximum Fee Maximum Aualized Fee Rate Decrease/ Icrease Each Quarter Sigle Life 1.10% 0.60% 2.20% 0.25% Joit Life 1.35% 0.60% 2.70% 0.25% Fee rate guarateed for the first year After the first year, the fee rate will be adjusted quarterly by a rate of 5 basis poits aualized for every 1% poit move i the VIX volatility idex as reported by the Chicago Board Optios Exchage The fee rate ca decrease or icrease ad is subject to a quarterly cap o adjustmets ad a overall fee rate cap ad floor Quarterly fee rate caot decrease or icrease by more tha 6.25 basis poits from the prior quarter (25 basis poits aualized rate) 8 For fiacial professioal use oly. Not for distributio to the public.
9 20-Year Fee Illustratio Sigle Life PROTECTION-BASED QUARTERLY FEE 1,527 1,561 VIX VALUE VIX Average VIX Quarterly Fee S&P 500 Idex.75%.50%.275% 20.0 Iitial Quarterly Fee Rate 367 I periods of low volatility, the quarterly fee rate would have bee reduced, reachig a low of 0.15% Whe the VIX peaked at 83, the fee rate reached a high of 0.41% Average VIX As VIX dropped, fee approached iitial fee rate The illustratio above demostrates how SuAmerica s protectio-based pricig would have worked over the last two decades. As the chart shows, the VIX geerally has a iverse relatioship to the equity market expressed by greater volatility i bear markets ad lower volatility i bull markets. By havig the fee move i step with the VIX, cliets pay more for protectio whe they eed it, but pay a lower fee rate whe volatility declies. Ad cliets are always protected from dramatic temporary swigs i volatility by the quarterly cap o the fee rate adjustmet. Eve durig the period at the ed of 2008 whe the market was experiecig substatial turmoil ad the VIX value topped 80, the cap elemet of the fee structure reduced the impact of the large, temporary swig i the VIX idex. Additioally, the fee rate would have retured to a lower level withi two quarters. 9
10 Cliets eed More Icome Now, More Icome Later ad More Icome Flexibility Ivest Up to 70% i Equities ad You ad Your Cliets Stay i Cotrol With Icome Plus 6% ad Icome Builder 8%, you ad your cliets ca ivest up to 70% i equities ad retai ivestmet cotrol at all times. Your cliets have a choice of flexible ivestmet optios with four differet ways to ivest: 1 Choose from three of the Polaris Portfolio Allocator models or split the allocatio evely amog a Portfolio Allocator model ad the correspodig Maaged Allocatio Portfolio (fud-of-fuds). 2 Build a customized portfolio with at least 20% ivested amog the cash, bods ad fixed group ad up to 70% amog the equity group, with a maximum of 10% i the most aggressive equity group. 3 Choose oe (or a combiatio) of eight asset allocatio or balaced portfolios 4 Choose a cash maagemet portfolio or fixed accout 70% equities 10% Secure Value Accout 30% fixed icome 10% of all premiums (oe-third of the required fixed icome allocatio) are allocated to SuAmerica s ew Secure Value Accout. This fixed accout provides aual iterest creditig ad is ot subject to rebalacig. As a result, the Secure Value Accout provides stability durig periods of declie i the value of other ivestmets i your cliets portfolios. 10 For fiacial professioal use oly. Not for distributio to the public.
11 Polaris: The Total Retiremet Package Performace for the growth potetial cliets eed. Respected moey maagers, multiple ivestmet optios, ad professioally-desiged asset allocatio strategies Protectio for the sese of security cliets wat. A choice of optioal icome protectio features ad ehaced death beefit optios Stregth for edurig stability. SuAmerica, The Retiremet Specialist, has the experiece ad resources to support ivestor eeds today ad i the years ahead Guaratees are backed by the fiacial stregth ad claims-payig ability of the issuig isurace compay. SuAmerica The Retiremet Specialist We Uderstad Retiremet. We Deliver Solutios. For more iformatio, cotact your SuAmerica wholesaler or call us today at
12 1 As log as the amout take is less tha the Maximum Aual Withdrawal Amout, cliets receive a icome credit for the differece betwee their withdrawal amout ad 6% of their Icome Base. If eligible ad the full 6% is withdraw i a give year, a icome credit will ot be available o the ext cotract aiversary as the 6% icome credit percetage is reduced by the percetage of the Icome Base withdraw. Additioal iformatio about Icome Plus 6% ad Icome Builder 8%: Icome Base: The amout o which guarateed withdrawals are based. It is iitially equal to the first eligible purchase paymet. O each cotract aiversary, the Icome Base is set to equal the greater of (a) the aiversary value, if greater tha all previous aiversary values, or (b) the Icome Base plus the icome credit amout (if eligible) durig the icome credit period. The Icome Base is automatically evaluated o cotract aiversaries while the cotract value is greater tha zero, provided the cliet has ot reached the Latest Auity Date (later of 95th birthday or 10th cotract aiversary). O the 12th cotract aiversary, the Icome Base may be icreased to the Miimum Icome Base (200% of eligible first-year purchase paymets) if o withdrawals have bee take from the cotract. The Icome Base will be icreased each time a eligible purchase paymet is made ad adjusted for excess withdrawals. Icome Credit: The amout that may be added to the Icome Base durig the cotract s first 12 years, calculated as a percetage of the Icome Credit Base. Icome Credit Base: A compoet of the feature that is used to calculate the icome credit. Iitially, the Icome Credit Base is equal to the first eligible purchase paymet. If the Icome Base steps up to the highest aiversary value o a cotract aiversary, the Icome Credit Base will also step up to this amout. Please ote, the Icome Credit Base is ot icreased if the Icome Base steps up due to the additio of the icome credit. The Icome Credit Base will be icreased each time a eligible purchase paymet is made ad adjusted for excess withdrawals. Joit Life Optio: I the evet of a death, spousal cotiuatio must be elected to provide guarateed icome for the lifetime of the remaiig spouse. The fee for the Joit Life optio will cotiue to be charged. The Joit Life optio will automatically be cacelled if a death beefit is paid ad the cotract is ot cotiued by the spouse, or if the survivig origial spouse dies. The Sigle Life optio will automatically be cacelled if a death beefit is paid or if the ower (or older ower if joitly owed) dies. Excess Withdrawals: If a withdrawal is take that exceeds the maximum aual withdrawal amout (kow as a excess withdrawal ) ad the withdrawal reduces the cotract value to zero, the feature will termiate ad cliets will o loger be eligible to take withdrawals or receive lifetime icome paymets. These features may ot be appropriate for use with cotributory IRAs (IRA, Roth ad SEP) or tax-qualified plas (401 ad 457) if cliets pla to make ogoig cotributios. If your cliets pla to take Required Miimum Distributios (RMDs) from their cotract, please see the prospectus for more iformatio. Cliets should cosult with a tax advisor cocerig their particular circumstaces. Icome Plus 6% ad Icome Builder 8% may be cacelled o the 5th cotract aiversary, or ay cotract quarter after that. If a ivestor decides ot to take withdrawals, he or she will ot receive the beefits of these features. Variable auities are sold by prospectus oly. The prospectus cotais the ivestmet objectives, risks, fees, charges, expeses ad other iformatio regardig the cotract ad uderlyig fuds, which should be cosidered carefully before ivestig. A prospectus may be obtaied by callig Cliets should read the prospectus carefully before ivestig. S&P ad Stadard & Poor s are trademarks of Stadard & Poor s ad have bee licesed for use by SuAmerica Auity ad Life Assurace Compay ad First SuAmerica Life Isurace Compay. CBOE Volatility Idex ad VIX are trademarks of the Chicago Board Optios Exchage, Icorporated (CBOE) ad have bee licesed for use by Stadard & Poor s. Polaris Variable Auities are ot sposored, edorsed, sold or promoted by Stadard & Poor s or the CBOE ad either Stadard & Poor s or the CBOE make ay represetatio regardig the advisability of ivestig i a Polaris Variable Auity. Variable auities are issued by SuAmerica Auity ad Life Assurace Compay, except i New York where they are issued by First SuAmerica Life Isurace Compay, New York, NY. The purchase of a variable auity is ot required for, ad is ot a term of the provisio of ay bakig service or activity. Distributed by SuAmerica Capital Services, Ic. Not FDIC or NCUA/NCUSIF Isured May Lose Value No Bak or Credit Uio Guaratee Not a Deposit Not Isured by ay Federal Govermet Agecy For fiacial professioal use oly. Not for distributio to the public. M4960BRO (01/10) SBA091381
Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three
60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you
529 DC College Savigs Pla Helpig Childre Reach a Higher Potetial reach Sposored by Govermet of the District of Columbia Office of the Mayor Office of the Chief Fiacial Officer Office of Fiace ad Treasury
Trusteed IRAs Itegrate ad simplify your retiremet ad estate plas Trusteed IRAs from Merrill Lych Trust Compay To create the legacy of your dreams, you may eed more tha a Idividual Retiremet Accout ad a
How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.
TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects
FLEXIBLE GUARANTEE BOND SERIES 2 Key features of the Flexible Guaratee Bod Series 2 The Fiacial Coduct Authority is a fiacial services regulator. It requires us, LV=, to give you this importat iformatio
Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE
For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether
How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.
Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive
Choosig A Mortgage Like homes, home mortgages come i all shapes ad sizes: short-term, log-term, fixed, adjustable, jumbo, balloo these are all terms that will soo be familiar to you, if they re ot already.
Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete
Idividual ad Family Plas DEDUCTIBLE PLANS How deductible plas work Deductible plas geerally offer lower mothly premiums i exchage for payig more out of your ow pocket for services covered by your health
PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.
Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet
Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.
Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth
March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios
Idexed Survivor Uiversal Life Aget product guide 15887 7/10 Idexed Survivor Uiversal Life is a flexible premium survivor uiversal life isurace policy with a idex-liked iterest creditig feature. Buildig
Program Fees T he ABA Retiremet Fuds Program ( the Program ) leverages its size to offer its services with o out-of-pocket expeses1 to your firm. HIGHE Cost Beefits VALU The Program brigs together more
Ivestmet & Portfolio Strategy Jauary 2014 Five Keys to a Successful Retiremet Thikig about retiremet is o loger a future evet or viewed as optioal for may Americas. Most recogize the eed for careful plaig
Questio 1: What is a ordiary auity? Let s look at a ordiary auity that is certai ad simple. By this, we mea a auity over a fixed term whose paymet period matches the iterest coversio period. Additioally,
Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate
WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig
1/5 The Frech Govermet has three objectives : > improve Frace s fiscal competitiveess > cosolidate R&D activities > make Frace a attractive coutry for iovatio Tax icetives have become a key elemet of public
THE FAMILY BUSINESS The Joes Family Busiess CASESTUDY Workig with cliets to trasitio a family busiess i the cotext of overall estate plaig ca be very emotioal ad dautig for a variety of reasos. It is ofte
Health Ser vices Admiistratio, LLC HSAs the America Fidelity Way: Kowledge, Experiece, Commitmet With over 30 years experiece i providig pre-tax services, America Fidelity is a pioeer i Sectio 125 flexible
INVESTMENT PEFOMANCE COUNCIL (IPC) INVITATION TO COMMENT: Global Ivestmet Performace Stadards (GIPS ) Guidace Statemet o Calculatio Methodology The Associatio for Ivestmet Maagemet ad esearch (AIM) seeks
MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet
Retiremet By the Numbers Fiacial priorities may vary depedig o your age, but every perso wats a successful retiremet. This workbook ca help you estimate your retiremet eeds ad explai the optios available
Subject CT5 Cotigecies Core Techical Syllabus for the 2015 exams 1 Jue 2014 Aim The aim of the Cotigecies subject is to provide a groudig i the mathematical techiques which ca be used to model ad value
Page 1 of 7 RBC Retiremet Icome Plaig Process Create Icome for Your Retiremet At RBC Wealth Maagemet, we believe maagig your wealth to produce a icome durig retiremet is fudametally differet from maagig
Life Isurace: Your Blueprit for Wealth Trasfer Plaig Producer Guide to Private Split Dollar Arragemets These materials are ot iteded to be used to avoid tax pealties ad were prepared to support the promotio
Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory
Disability Icome Isurace Admiistered by The Parters Group ad Member Compay Kerr Cruickshak Member Compay: Negotiated Limited Time Offer INDIVIDUAL DISABILITY COVERAGE PROGRAM HIGHLIGHTS: Discouted, Specialty,
Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how
1 Lecture 3 Time Value of Moey ad Project Valuatio The timelie Three rules of time travels NPV of a stream of cash flows Perpetuities, auities ad other special cases Learig objectives 2 Uderstad the time-value
TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. OUR HISTORY We are TIAA-CREF. A full-service
Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are
A Leader i Employee Beefits Solutios Retiree Life Solutios Prudetial Group Isurace The Prudetial Isurace Compay of America 0237531 Results-Drive Solutios From a Name You Kow ad Trust Sice 1875, the Prudetial
THE UNIVERSITY OF CHICAGO 457(b) DEFERRED COMPENSATION PLAN ENROLLMENT GUIDE 2016 2 Overview 3 How to Eroll 5 Your Cotributios 5 Ivestmets 6 Receivig Your Beefits 7 Additioal Iformatio Overview The Uiversity
Itroductio to the Time Value of Moey Lecture Outlie I. Why is there the cocept of time value? II. Sigle cash flows over multiple periods III. Groups of cash flows IV. Warigs o doig time value calculatios
What is a bod? Bod Valuatio I Bod is a I.O.U. Bod is a borrowig agreemet Bod issuers borrow moey from bod holders Bod is a fixed-icome security that typically pays periodic coupo paymets, ad a pricipal
Iteratioal Delegatio A summary for fiacial advisers Cotets Please ote For fiacial adviser use oly. It should ot be distributed to, or relied upo by, retail cliets. AXA Wealth Iteratioal is the brad used
2 Time Value of Moey BASIC CONCEPTS AND FORMULAE 1. Time Value of Moey It meas moey has time value. A rupee today is more valuable tha a rupee a year hece. We use rate of iterest to express the time value
CHAPTER 11 Fiacial mathematics I this chapter you will: Calculate iterest usig the simple iterest formula ( ) Use the simple iterest formula to calculate the pricipal (P) Use the simple iterest formula
Persoal Retiremet Savigs Accouts (PRSAs) A cosumer ad employers guide to PRSAs www.pesiosauthority.ie The Pesios Authority Verschoyle House 28/30 Lower Mout Street Dubli 2 Tel: (01) 613 1900 Locall: 1890
Health Care Flexible Spedig Accout 800522 d 08/10 what is a health care flexible spedig accout? A health care flexible spedig accout is a easy, coveiet way to get more out of your paycheck. It allows you
Volutary Life ad AD&D Isurace Date: March 2014 To: All JMA beefit eligible members From: Wells Fargo Isurace Services Re: Volutary Life & Accidetal Death ad Dismembermet (AD&D) isurace If you choose to
IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form
LIFE INSURANCE WITH LONG-TERM CARE ADVANCE Isure the fiacial future of your loved oes, ad your fiacial idepedece, whe you eed it the most! Desjardis Isurace refers to Desjardis Fiacial Security Life Assurace
Raibow optios INRODUCION A raibow is a optio o a basket that pays i its most commo form, a oequally weighted average of the assets of the basket accordig to their performace. he umber of assets is called
Chapter 5 Uit Aual Amout ad Gradiet Fuctios IET 350 Egieerig Ecoomics Learig Objectives Chapter 5 Upo completio of this chapter you should uderstad: Calculatig future values from aual amouts. Calculatig
Retiremet System for Employees ad Teachers of the State of Marylad hadbook ed 0 vis 01 R e ly 2 Ju MARYLAND STATE RETIREMENT ad PENSION SYSTEM Beefits RETIREMENT SYSTEM FOR EMPLOYEES AND TEACHERS OF THE
MOVE AHEAD The uderlyig priciples of soud ivestmet should ot alter from decade to decade, but the applicatio of these priciples must be adapted to sigificat chages i the fiacial mechaisms ad climate. BENJAMIN
FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer
1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.
EVALUATING ALTERNATIVE CAPITAL INVESTMENT PROGRAMS By Ke D. Duft, Extesio Ecoomist I the March 98 issue of this publicatio we reviewed the procedure by which a capital ivestmet project was assessed. The
For customers Icome protectio the facts We ve desiged this documet to give you more iformatio about our icome protectio beefits. It does t form part of ay cotract betwee you ad/or us. This iformatio refers
Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted
New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to
CDs Bought at a Bak verses CD s Bought from a Brokerage Floyd Vest CDs bought at a bak. CD stads for Certificate of Deposit with the CD origiatig i a FDIC isured bak so that the CD is isured by the Uited
Eckart Wealth Maagemet Group A broad rage of capabilities desiged to build ad erich your fiacial life. ADVICE AND GUIDANCE RETIREMENT BANKING SOLUTIONS FOR BUSINESS TRACKING PROGRESS CREDIT AND LENDING
Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)
CORE RETIREMENT CONCEPTS Helpig deliver retiremet supports your cliets may eed The Emergig Role of Custom Target Date Fuds Executive summary Target date fuds (TDFs) are gettig a lot of attetio ad rightly
AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP EQUITY INDEX BONDS TWO CAPITAL SECURE BONDS THAT PROVIDE ACCESS TO LEADING EUROPEAN AND WORLD EQUITY INDICES Track the performace of the Fivex S&E
REVITALIZING STORES FOR BIG BRAND FRANCHISES Recapitalizatio Frachise ad Restaurats Growth Capital I ve spet my career buildig valuable restaurat frachises for some of the top QSR brads i America. We eeded
Time Value of Moey Basis for the course Power of compoud iterest $3,600 each year ito a 401(k) pla yields $2,390,000 i 40 years First some techical stuff You will use your fiacial calculator i every sigle
3330_0903qxd /5/05 :3 AM Page 663 Sectio 93 93 Geometric Sequeces ad Series 663 Geometric Sequeces ad Series What you should lear Recogize, write, ad fid the th terms of geometric sequeces Fid th partial
Chapter 24 Warrats ad Covertibles Warrats The Differece betee Warrats ad Call Optios Warrat Pricig ad the Black-Scholes Model Covertible Bods The Value of Covertible Bods Reasos for Issuig Warrats ad Covertibles
For customers Iheritace tax plaig usig Whole of Life protectio Fid out more 02 At Aego, we wat to help families across the UK pass o their wealth to those they love the most. So we ve desiged our Whole
My first gold holdigs. My first bak. Simple. Trasparet. Idividual. Our ivestmet solutios for cliets abroad. The perfect basis for workig together successfully The wheel of time is turig faster tha ever
About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us
Alterative Asset Classes Alterative Asset Classes Beyod the three primary asset classes stocks, bods ad cash may other types of ivestmets ca be used to diversify ivestmet portfolios. The term alterative
CHAPTER 7 FI A CIAL MATHEMATICS Page Cotets 7.1 Compoud Value 117 7.2 Compoud Value of a Auity 118 7.3 Sikig Fuds 119 7.4 Preset Value 122 7.5 Preset Value of a Auity 122 7.6 Term Loas ad Amortizatio 123
Cosultig Outsourcig Retiremet Leakage of Participats DC Assets: How Loas, Withdrawals, ad Cashouts Are Erodig Retiremet Icome 2011 Leakage of Participats DC Assets: How Loas, Withdrawals, ad Cashouts Are
Adoptio Date: 4 March 2004 Effective Date: 1 Jue 2004 Retroactive Applicatio: No Public Commet Period: Aug Nov 2002 INVESTMENT PERFORMANCE COUNCIL (IPC) Preface Guidace Statemet o Calculatio Methodology
Checklist Part I Fid the simple iterest o a pricipal. Fid a compouded iterest o a pricipal. Part II Use the compoud iterest formula. Compare iterest growth rates. Cotiuous compoudig. (Math 1030) M 1030
Ear The save 25/gallo for the first 2 billig periods o fuel purchases with the ExxoMobil Busiess Card. * No miimum purchase requiremets ad o maximum savigs cap. Limited-time offer. Must apply by 6/30/16.
CHICAGO S PREMIER BOUTIQUE REAL ESTATE COMPANY WHO IS CONLON? # 1 TOP 10 Chicago s #1 Boutique Real Estate Brokerage. Chicago Market Share. Out of over 500 Firms. CONLON: A Real Estate Compay is Chicago
A Guide to the Pricig Covetios of SFE Iterest Rate Products SFE 30 Day Iterbak Cash Rate Futures Physical 90 Day Bak Bills SFE 90 Day Bak Bill Futures SFE 90 Day Bak Bill Futures Tick Value Calculatios
IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form
How does my pesio scheme work? A guide for members of occupatioal pesio schemes www.pesiosauthority.ie The Pesios Authority Verschoyle House 28/30 Lower Mout Street Dubli 2 Tel: (01) 613 1900 LoCall: 1890
Types of Trusts: A Overview This guide provides a overview of seve types of trusts, while also reviewig their advatages ad disadvatages for differet types of ivestors Table of Cotets Charitable Lead Trusts...
Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Electroic Fud Trasfers/Automated Clearig House Services
A Overview of GRATs as a Wealth Trasfer Tool A ceter of excellece buildig bridges from thought to actio, creatig practical, applicable strategies to help beefit you ad your family A Grator Retaied Auity
User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with