OneAmerica. OneSolution.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "OneAmerica. OneSolution."

Transcription

1 Retirement service capabilities of the OneAmerica companies Products and financial services provided by the companies of OneAmerica Financial Partners, Inc.

2 Our commitment What makes us different is our commitment to our stakeholders. As a member of a mutual organization, we are accountable to those we serve. We listen to our clients and strive to find individualized solutions to their needs. We take our commitments very seriously and keep them faithfully. Built on a century-old Quick overview Why choose the Companies of OneAmerica About OneAmerica About American United Life Insurance Company McCready and Keene Building a solid retirement Investment options Thorough due diligence in investment selection Helping meet fiduciary responsibilities Services for plan administration Assistance for your plan administration Employees enjoy easy access to information Ongoing education and communication Transition process For more information, please call our National Retirement Product and Sales desk at or visit us at foundation of quality, value and strength, our commitment is that we ll be there when our customers need us most. 2 3

3 Why choose OneAmerica Our financial strength and demonstrated leadership, combined with personalized attention and a focus on client value, can give you confidence that you are selecting a suitable plan provider. At a time when more than 80 percent of large life insurance companies have been subject to negative rating actions, ours have remained strong. About OneAmerica OneAmerica Financial Partners can trace its foundation back more than 135 years in the insurance and financial services industries. Our nationwide network of companies offers a variety of products, including retirement plans, products and services; individual life insurance, annuities, long-term care solutions and employee benefits. The companies helps consumers prepare for tomorrow by helping to protect their financial futures. The companies of OneAmerica include: American United Life Insurance Company (AUL) OneAmerica Securities, Inc. McCready and Keene, Inc. About AUL American United Life Insurance Company (AUL) is the founding member of OneAmerica and is focused on providing a strong portfolio of products for individuals, families and small businesses. Strength and stability Trace roots back more than 130 years $24 billion in combined assets for OneAmerica, as of December 31, 2010 S&P Rating AA- (Very Strong) A.M. Best s Rating A+ (Superior) 45+ years in the retirement business A.M. Best s A+ (Superior) is the second highest of 16 possible ratings, according to the release dated May 10, Standard & Poor s AA- (Very Strong) is the fourth highest of 21 possible ratings, according to its report dated August 3, These ratings reflect agency assessment of the financial strength and claimspaying ability of the insurance companies listed. They are not intended to reflect the investment experience or financial strength of any variable account, which is subject to market risk. Because the dates are only updated when there s a change in the rating, the dates above reflect the most recent ratings we have received. Please know that these ratings can change at any time. Client loyalty With more than 9,900 active plans (as of December 31, 2010), we can measure our commitment to be there when our customers need us most by the tenure of our clients. Average retention as of December 31, 2010: 14.3 years for plans over $10 million 12.8 years for $5-10 million plans 11.7 years for $1-5 million plans 16.1 years for plan under $1 million 96% retention rate About McCready and Keene, Inc. McCready and Keene, Inc. specializes in designing, installing and administering customized retirement plans. Services provided: Defined Contribution (DC) plans Defined Benefit (DB) plans 401(k) plans 403(b) plans 457 plans Money purchase pension plans Profit sharing plans Employee Stock Ownership Plans (ESOP) 4 5

4 Investment options for retirement plans Offering a quality retirement plan is vital to attracting and retaining employees. Choosing a high quality plan provider can help protect the future for employees and businesses. We offer a robust selection of investment options and services that meet the needs of retirement plans. Investment options prescreened or open architecture More than 200 carefully preselected investment options from 30 investment companies. No subadvised investment options or proprietary variable investment requirements. Flexibility in set-up, investment selection and participant guidance. Open architecture Quarterly due diligence process We understand the importance of selecting investment that are appropriate for the reporting plan. We will provide a quarterly due diligence report for plan sponsors to perform tracking of investment performance. Plan Sponsor Advice from Mesirow Financial Plan Sponsor Advice helps you select and maintain a suitable portfolio of investment options. Offered by Mesirow Financial Investment Management (Mesirow Financial), Plan Sponsor Advice assists in creating, documenting and maintaining retirement plan portfolios. If a plan follows the specific recommendations made for your plan by Plan Sponsor Advice, Mesirow Financial will act as a co-fiduciary as defined in Section 3(21)(a) (ii) of ERISA, with respect to the selection and ongoing monitoring of the plan s investment options. Employee investment selection support Education materials Online services On-site enrollment support Education materials may also be customized for plan sponsors, based on asset level. For those new to plan investing or who seek additional support, we offer auto enrollment features and a choice of Qualified Default Investment Alternatives (QDIA), including target date and asset allocation investment options from well-known management companies. Other features include automatic rebalancing and dollar cost averaging, as well as, automatic transfers from fixed income to other asset categories. The AUL Stable Value Account The AUL Stable Value Account (SVA) is a group fixed annuity that offers a fixed interest guarantee, backed by American United Life Insurance Company s (AUL) general account assets. The interest rate for the AUL Stable Value Account is declared prior to the beginning of the calendar year and guaranteed for that year until a new rate is set for the next year. This investment option offers flexibility at the participant level by allowing money transfers into and out of the account without any restrictions. Note: The AUL Stable Value account is a group fixed annuity, issued by American United Life Insurance Company (AUL), OneAmerican Square, P.O. Box 368, Indianapolis. IN , All guarantees associated with this account are subject to the claims paying ability of AUL. 6 7

5 Plan Administrator Services Our service commitment to plan sponsors is fundamental. To assist the plan administrator and plan sponsor with responsibilities, we offer personal attention from retirement plan professionals along with user-friendly high tech tools. Quality service and support can help ease administrative responsibilities. Assistance for your plan administration Personalized service at every point of contact Offices across the U.S. Local support from knowledgeable, experienced retirement plan professionals Single point of contact For online plan management, use We offer online reports and features to simplify your day-to-day administrative tasks. Online services are available 24 hours a day, 7 days a week. You will be able to access the following information online: Participant account information Investment demographics Online loan reports (if applicable) Plan sponsor reports and more Employees enjoy easy access to information Our website and automated voice response system provide around-the-clock access to account information. Personal assistance Personal assistance is available to employees through our toll-free Participant Service Center from 8 a.m. to 8 p.m. Eastern Time, Monday through Friday. Using these secure, user-friendly account management tools, employees can: Enroll Change deferral contribution percentages Transfer balances between investment options Determine account balances Initiate plan loans (if applicable) Find online performance information, investment education, and more Quicken and Microsoft Money online downloads Ongoing education and communication We provide tools to help employees work toward their retirement goals. Education materials Personalized education meetings Interactive Web site Online retirement plan guides and calculators Quarterly statements Enrollment posters, videos and more Transition process The following services are available for employees who have reached a transition point in their career: Proactively contact terminated employees after notification from employer Provide education on the pros and cons of distributions options Help structure distributions to support retirement goals Facilitate consolidation of assets 8 9

6 We are committed to be there when our customers need us most. For more information, please call our National Retirement Product and Sales Desk at or visit us at

7 Life Insurance Retirement Employee Benefits Group variable annuity contracts are issued by AUL and registered group variable annuity contracts are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. Trust services are provided by a trust company selected by the plan sponsor. The underlying mutual fund investments selected by the plan s financial professional are held in trust by the selected trust company. The trust company is a non-depository trust company that acts as a custodian and/or directed trustee, and is not a member of FINRA, SIPC, or NFA. NOT A DEPOSIT NOT FDIC OR NCUSIF INSURED NOT GUARANTEED BY THE INSTITUTION NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY MAY GO DOWN IN VALUE Mesirow Financial is not an affiliate of the companies of OneAmerica and is not a OneAmerica company. About OneAmerica OneAmerica Financial Partners, Inc., is headquartered in Indianapolis, IN. The companies of OneAmerica can trace their solid foundations back more than 130 years in the insurance and financial services marketplace. OneAmerica s nationwide network of companies offers a variety of products to serve the financial needs of their policyholders and other clients. These products include retirement plan products and services; individual life insurance, annuities, long-term care solutions and employee benefit plan products. The goal of OneAmerica is to blend the strengths of each company to achieve greater collective results. The products of the OneAmerica companies are distributed through a network of employees, agents, brokers and other distribution sources that are committed to increasing value to our policyholders by helping them prepare to meet their financial goals. The companies of OneAmerica : American United Life Insurance Company, The State Life Insurance Company, OneAmerica Securities, Inc., McCready and Keene, Inc. and Pioneer Mutual Life Insurance Company (PML). PML is a stock subsidiary of American United Mutual Insurance Holding Company. OneAmerica Financial Partners, Inc. One American Square, P.O. Box 368 Indianapolis, IN (317) OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica and the OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc. R /29/11

PLAN PARTICIPANT SURVEY

PLAN PARTICIPANT SURVEY PLAN PARTICIPANT SURVEY About the survey In Summer 2012, the companies of OneAmerica surveyed visitors to its participant website to determine how they learned about finances and prepared for retirement

More information

Proposal for: COMPANY NAME. Presented by: NAME TITLE SAMPLE DATE AFN32087_0209 MUGC7797B

Proposal for: COMPANY NAME. Presented by: NAME TITLE SAMPLE DATE AFN32087_0209 MUGC7797B Proposal for: COMPANY NAME Presented by: NAME TITLE DATE SAMPLE AFN32087_0209 MUGC7797B Mutual of Omaha Retirement Services Proven Retirement Product Expertise Mutual of Omaha s subsidiary companies, United

More information

Feed Future. your. Asset Allocation Builder. Jerry s Enterprises, Inc. Employees 401(k) Plan

Feed Future. your. Asset Allocation Builder. Jerry s Enterprises, Inc. Employees 401(k) Plan Feed Future your Asset Allocation Builder Jerry s Enterprises, Inc. Employees 401(k) Plan RETIREMENT PLAN ADMINISTRATIVE AND RECORDKEEPING SERVICES PROVIDED BY MCCREADY AND KEENE, INC., A ONEAMERICA COMPANY

More information

MUGC9028 MUGC8895_0809

MUGC9028 MUGC8895_0809 MUGC9028 MUGC8895_0809 Retirement plans are complex. Selling, implementing and servicing them can be a real challenge for regional banks and trust companies with limited resources and strained bottom lines.

More information

One Day I will understand how my retirement plan can help me work toward my goals. One Day is Today! LEARN MORE ABOUT YOUR RETIREMENT PLAN

One Day I will understand how my retirement plan can help me work toward my goals. One Day is Today! LEARN MORE ABOUT YOUR RETIREMENT PLAN One Day I will understand how my retirement plan can help me work toward my goals. One Day is Today! LEARN MORE ABOUT YOUR RETIREMENT PLAN Retirement Preparation Importance of retirement preparation Major

More information

Retirement Redefined. Outcome-based Retirement Plans. Now there s a better way to prepare your employees for retirement.

Retirement Redefined. Outcome-based Retirement Plans. Now there s a better way to prepare your employees for retirement. Retirement Redefined. Outcome-based Retirement Plans. Now there s a better way to prepare your employees for retirement. Helping your employees attain a secure retirement. A financially secure retirement

More information

Protect what matters most

Protect what matters most Protect what matters most Your guide to understanding your options for lifetime coverage and its benefits Products and financial services provided by American United Life Insurance Company a OneAmerica

More information

Your TD Ameritrade Retirement Plan Proposal Provided by TD Ameritrade Trust Company

Your TD Ameritrade Retirement Plan Proposal Provided by TD Ameritrade Trust Company Your TD Ameritrade Retirement Plan Proposal Provided by TD Ameritrade Trust Company A solution that delivers outstanding investment flexibility and ease of administration all from a recognized and established

More information

Transfer Payout Annuities

Transfer Payout Annuities Transfer Payout Annuities Transfers and Withdrawals from TIAA Traditional tiaa-cref.org The TIAA Traditional Annuity In this guide, you ll learn about our Transfer Payout Annuity (TPA), a transfer and

More information

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

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

More information

Great-West Lifetime. Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value

Great-West Lifetime. Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value Great-West Lifetime Advantage IRA Solution Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value Great-West Lifetime Advantage IRA

More information

Defined Contribution Program

Defined Contribution Program Defined Contribution Program The SEI Advantage SEI s Defined Contribution Solutions offer a multitude of advantages over more traditional methods of plan structure, set-up, and service. All of SEI s Defined

More information

Investment Platform Options that Can Lead to Better Retirement Outcomes

Investment Platform Options that Can Lead to Better Retirement Outcomes Retirement Services Investment Platform Options that Can Lead to Better Retirement Outcomes For Plan SPonSor USe only not For DiStribUtion to the PUblic. Introduction Investment Platform Options that Can

More information

Form ADV Part 2A Brochure March 30, 2015

Form ADV Part 2A Brochure March 30, 2015 Item 1 Cover Page Form ADV Part 2A Brochure March 30, 2015 OneAmerica Securities, Inc. 433 North Capital Avenue Indianapolis, Indiana, 46204 Telephone: 877-285-3863, option 6# Website: www.oneamerica.com

More information

Is your retirement plan taking you where you want to go?

Is your retirement plan taking you where you want to go? RiverSource Retirement Group Annuity Is your retirement plan taking you where you want to go? The benefits of a 403(b) retirement plan 140765 C (4/13) The benefits of a 403(b) plan. To live the retirement

More information

Empower Retirement TM IRA

Empower Retirement TM IRA Empower Retirement TM IRA Whether you ve been a participant in an employer-sponsored group retirement plan, are new to retirement saving, or are just exploring other retirement savings options, the Empower

More information

Asset-Care. Products and financial services provided by The State Life Insurance Company a OneAmerica company

Asset-Care. Products and financial services provided by The State Life Insurance Company a OneAmerica company Asset-Care Guaranteed single premium coverage for long-term care using the foundation of life insurance Products and financial services provided by The State Life Insurance Company a OneAmerica company

More information

Vanguard Retirement Plan Access

Vanguard Retirement Plan Access Vanguard Retirement Plan Access Participant education programs to help maximize employee engagement Online access The most current retirement planning, saving, and investing information is available to

More information

Fiduciary Assure SM Fiduciary support for your retirement plan

Fiduciary Assure SM Fiduciary support for your retirement plan Retirement Plans Group Fiduciary Assure SM Fiduciary support for your retirement plan NOT FOR USE WITH PARTICIPANTS Professional Advice for Plan Sponsors As the sponsor of a retirement plan, it is your

More information

Freedom Variable Annuity

Freedom Variable Annuity Freedom Variable Annuity Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Freedom Variable Annuity features at a glance Minimum deposit $25,000 minimum

More information

Investment Strength and Flexibility. Principal Trust Target Date Funds

Investment Strength and Flexibility. Principal Trust Target Date Funds Investment Strength and Flexibility SM Principal Trust Target Date Funds A Target Date Investment Option for You and Your Participants Now more than ever, your employees are searching for efficient ways

More information

Retirement Plans. Choosing a Retirement Plan That Works for You and Your Company. Retirement Plans

Retirement Plans. Choosing a Retirement Plan That Works for You and Your Company. Retirement Plans Retirement Plans Choosing a Retirement Plan That Works for You and Your Company Retirement Plans About Stifel Nicolaus Stifel Nicolaus is a full-service Investment firm with a distinguished history of

More information

The Principal Financial Group. An Annuity Provider You Can Rely On

The Principal Financial Group. An Annuity Provider You Can Rely On The Principal Financial Group An Annuity Provider You Can Rely On The U.S. Department of Labor (DOL) has issued guidelines to help fiduciaries select appropriate annuity providers (Interpretive Bulletin

More information

State Life Care Solutions. Annuity Care II. Products and financial services provided by The State Life Insurance Company a OneAmerica company

State Life Care Solutions. Annuity Care II. Products and financial services provided by The State Life Insurance Company a OneAmerica company State Life Care Solutions Annuity Care II Products and financial services provided by The State Life Insurance Company a OneAmerica company I-21688 Not a deposit. Not FDIC insured. Not guaranteed by any

More information

409A non-qualified. Executive Privilege. deferred compensation plans. A turnkey retirement planning supplement for select employees

409A non-qualified. Executive Privilege. deferred compensation plans. A turnkey retirement planning supplement for select employees Executive Privilege 409A non-qualified deferred compensation plans A turnkey retirement planning supplement for select employees Products and financial services provided by American United Life Insurance

More information

Asset-Care. Guaranteed single premium coverage for long-term care using the foundation of life insurance. State Life Care Solutions

Asset-Care. Guaranteed single premium coverage for long-term care using the foundation of life insurance. State Life Care Solutions State Life Care Solutions Asset-Care Guaranteed single premium coverage for long-term care using the foundation of life insurance Products and financial services provided by The State Life Insurance Company

More information

Self-Direct Brokerage

Self-Direct Brokerage Self-Direct Brokerage sdb Direct Advantage sdb Advisor Advantage Your employer is pleased to offer the Self-Direct Brokerage (sdb) service. An sdb account gives you more flexibility in managing your retirement

More information

PRUDENTIAL AS A STRONG ANNUITY PROVIDER UNDERSTANDING HOW PRUDENTIAL MEETS STRICT GOVERNMENT GUIDELINES. Footnote

PRUDENTIAL AS A STRONG ANNUITY PROVIDER UNDERSTANDING HOW PRUDENTIAL MEETS STRICT GOVERNMENT GUIDELINES. Footnote PRUDENTIAL AS A STRONG ANNUITY PROVIDER UNDERSTANDING HOW PRUDENTIAL MEETS STRICT GOVERNMENT GUIDELINES Footnote A DETERMINING THE SAFEST AVAILABLE ANNUITY PROVIDER Group annuity contracts are often purchased

More information

State Life Care Solutions. Products and financial services provided by The State Life Insurance Company a OneAmerica company

State Life Care Solutions. Products and financial services provided by The State Life Insurance Company a OneAmerica company State Life Care Solutions Annuity Care II Products and financial services provided by The State Life Insurance Company a OneAmerica company Not a deposit. Not FDIC insured. Not guaranteed by any bank.

More information

Single Premium Affinity Variable Annuity

Single Premium Affinity Variable Annuity Single Premium Affinity Variable Annuity Variable Product Series Building your future with a secure partner Kansas City Life Insurance Company Single Premium Affinity Variable Annuity Features at a Glance

More information

FINANCIAL ADVISOR HANDBOOK

FINANCIAL ADVISOR HANDBOOK NYLIM RETIREMENT PLAN SERVICES FINANCIAL ADVISOR HANDBOOK grow your business with us Learn more about the diverse retirement plan product lines offered by New York Life Investment Management LLC (NYLIM)

More information

Building Successful, State Sponsored Retirement Programs for Private Sector Employees

Building Successful, State Sponsored Retirement Programs for Private Sector Employees Building Successful, State Sponsored Retirement Programs for Private Sector Employees April 25, 2016 2.25 x 0.875 Confronting a retirement readiness gap 55 million Americans do not have access to a pension

More information

Helping you recruit, reward and retain the best people

Helping you recruit, reward and retain the best people The Nationwide Corporate Incentive Program Plan sponsor guide Helping you recruit, reward and retain the best people NATIONWIDE BUSINESS SOLUTIONS GROUP In this guide, Nationwide assumes that the employer

More information

Variable Annuity. Variable Product Series. Building your future with a secure partner SM. Kansas City Life Insurance Company

Variable Annuity. Variable Product Series. Building your future with a secure partner SM. Kansas City Life Insurance Company Variable Annuity Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Variable Annuity Features at a Glance Minimum Deposit $5,000 minimum single deposit

More information

Guide to online withdrawals

Guide to online withdrawals Streamlined withdrawal processing The online withdrawal process on the secure My TIAA-CREF website has the same easy-to-use navigation and functionality as other websites that you visit regularly to shop,

More information

401keSolution. America s Most Affordable 401k Solution. www.401kesolution.com. sales@401kesolution.com 888.384.6767. All plans administered by:

401keSolution. America s Most Affordable 401k Solution. www.401kesolution.com. sales@401kesolution.com 888.384.6767. All plans administered by: All plans administered by: Contact us today: www.401kesolution.com 4300 Kittredge Street, Suite 100 Denver, Colorado 80239 info@eplanservices.com sales@401kesolution.com 888.384.6767 You don t have to

More information

Your Retirement Plan Strategy

Your Retirement Plan Strategy Building financial security since 1958 Your Retirement Plan Strategy Expert Advice Innovative Options Personalized Service We deliver the superior service you deserve, backed by the expertise you expect.

More information

B & L Financial Architects Help Clients

B & L Financial Architects Help Clients B & L Financial Architects Help Clients Disclosure This material is provided for overview or general informational purposes only. These concepts were derived under current tax laws. Changes in the tax

More information

How to Roll Your Money into the JPMorgan Chase 401(k) Savings Plan. Rollover Checklist

How to Roll Your Money into the JPMorgan Chase 401(k) Savings Plan. Rollover Checklist How to Roll Your Money into the JPMorgan Chase 401(k) Savings Plan In this packet, you will find information to help you roll over your individual retirement account (IRA) or qualified retirement savings

More information

Asset-Care. Guaranteed single premium coverage for long-term care using the foundation of life insurance. State Life Care Solutions

Asset-Care. Guaranteed single premium coverage for long-term care using the foundation of life insurance. State Life Care Solutions State Life Care Solutions Asset-Care Guaranteed single premium coverage for long-term care using the foundation of life insurance Products and financial services provided by The State Life Insurance Company

More information

GREAT-WEST SECUREFOUNDATION

GREAT-WEST SECUREFOUNDATION GREAT-WEST SECUREFOUNDATION Unless otherwise noted: Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value PROVIDE A SECURE FOUNDATION

More information

Table of Contents. 1. Introduction. 2. Solutions. 3. Products. 4. Processing. 5. etools. 6. Communication. 7. Customer Service

Table of Contents. 1. Introduction. 2. Solutions. 3. Products. 4. Processing. 5. etools. 6. Communication. 7. Customer Service Table of Contents 1. Introduction 2. Solutions 3. Products 4. Processing 5. etools 6. Communication 7. Customer Service Your Outsourcing Solution for Employee Benefits Since 2001, Dyatech has provided

More information

LIVING WELL IN RETIREMENT. Minimum Distribution: Making it simple

LIVING WELL IN RETIREMENT. Minimum Distribution: Making it simple LIVING WELL IN RETIREMENT Minimum Distribution: Making it simple TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical,

More information

Simplified Employee Pension

Simplified Employee Pension Simplified Employee Pension A retirement savings plan designed for small businesses Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York AMK-121-N Page 1 of 8 A Simplified

More information

Best practices for confident plan compliance

Best practices for confident plan compliance Best practices for confident plan compliance Ongoing efforts to expand retirement plan participation, promote transparency and enhance benefit security have increased responsibilities for plan sponsors.

More information

Wells Fargo & Company 401(k) Plan

Wells Fargo & Company 401(k) Plan Summary Plan Description Wells Fargo & Company 401(k) Plan October 1, 2013 This Summary Plan Description ( SPD ) summarizes the major features of the Wells Fargo & Company 401(k) Plan ( 401(k) Plan ).

More information

Peace of mind your employees can take to the bank

Peace of mind your employees can take to the bank Peace of mind your employees can take to the bank Retirement Bank Account Retirement & Benefit Plan Services Thinking about making some investment changes to your retirement plan? A retirement choice your

More information

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL THE TIAA TRADITIONAL ANNUITY The TIAA Traditional Annuity is a guaranteed annuity backed by TIAA s claims-paying ability. In the accumulation

More information

I.A.M. National 401(k) Plan. Investment Options Summary

I.A.M. National 401(k) Plan. Investment Options Summary I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement

More information

Saving for retirement with a 403(b) plan

Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan 2 Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan Retirement can be a welcome turning point in your life a time to enjoy hobbies,

More information

Rethink your 401(k) with Schwab Index Advantage

Rethink your 401(k) with Schwab Index Advantage Rethink your 401(k) with Schwab Index Advantage In the last 30 years, 401(k) plans have become one of the most common retirement planning tools in the United States. 1 Our research shows that some 70%

More information

Collective. Prepared by the Coalition of Collective. Investment Trusts

Collective. Prepared by the Coalition of Collective. Investment Trusts Collective Investment Trusts Prepared by the Coalition of Collective Investment Trusts Table of Contents Overview... 2 Collective Investment Trusts Defined... 3 Two Broad Types of Collective Trusts...

More information

THE UNIVERSITY SYSTEM OF MARYLAND MAKING RETIREMENT PROGRAM ENROLLMENT EASY FOR YOU

THE UNIVERSITY SYSTEM OF MARYLAND MAKING RETIREMENT PROGRAM ENROLLMENT EASY FOR YOU THE UNIVERSITY SYSTEM OF MARYLAND MAKING RETIREMENT PROGRAM ENROLLMENT EASY FOR YOU WHAT MAKES TIAA-CREF DIFFERENT It is in our interest to serve your interests at TIAA-CREF; you re more than just a client

More information

New options for your retirement future

New options for your retirement future New options for your retirement future Important information about the State of Nevada Public Employees 457(b) Deferred Compensation Plan February 2015 Nevada Deferred Compensation YOUR PLAN YOUR FUTURE

More information

Service Provider Fee Disclosure

Service Provider Fee Disclosure Service Provider Fee Disclosure ERISA 408(b)(2) Regulations WILLAMETTE UNIVERSITY WILLAMETTE UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN VALIC Annuity Contracts The Employee Retirement Income Security

More information

Trust Services at Merrill Lynch. Estate Planning Services

Trust Services at Merrill Lynch. Estate Planning Services Trust Services at Merrill Lynch Estate Planning Services Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and

More information

401(k) Investment Selection, Simplified

401(k) Investment Selection, Simplified United Of Omaha Life Insurance Company Companion Life Insurance Company mutual of om aha re tirement ser v ice s 401(k) Investment Selection, Simplified NOW IT S AS EASY A S 1, 2, 3 GET RETIREMENT RIGHT

More information

Rollover IRAs. Maximize the potential of your retirement savings

Rollover IRAs. Maximize the potential of your retirement savings Rollover IRAs Maximize the potential of your retirement savings Consolidate Your Retirement Savings With a Rollover IRA If you have changed jobs, left the workforce or plan to retire, you likely have

More information

Power. Simplicity. Value.

Power. Simplicity. Value. Power. Simplicity. Value. TIAA-CREF Brokerage Services: The freedom to build, control and adjust your portfolio of investments according to your goals. We have a 95-year legacy of trust. TIAA-CREF Brokerage

More information

Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans

Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans 2 Introducing the changes to your Tufts University retirement plans Effective

More information

TIAA-CREF Self-Directed Brokerage Overview and Account Setup. Your quick guide to the brokerage program

TIAA-CREF Self-Directed Brokerage Overview and Account Setup. Your quick guide to the brokerage program TIAA-CREF Self-Directed Brokerage Overview and Account Setup Your quick guide to the brokerage program For investors with specialized investing needs, more choice means more opportunity to direct retirement

More information

TRANSFER PAYOUT ANNUITIES

TRANSFER PAYOUT ANNUITIES SAVING FOR RETIREMENT TRANSFER PAYOUT ANNUITIES TRANSFERS AND WITHDRAWALS FROM TIAA TRADITIONAL TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA-CREF is dedicated to serving the retirement needs

More information

Notice to All Employees Eligible to Participate in the Halliburton Retirement and Savings Plan

Notice to All Employees Eligible to Participate in the Halliburton Retirement and Savings Plan Notice to All Employees Eligible to Participate in the Halliburton Retirement and Savings Plan Halliburton Company (the Company ) has made saving for retirement under the Halliburton Retirement and Savings

More information

The Institutional 401(k) Program. Providing expert advice and fiduciary protection in an uncertain world.

The Institutional 401(k) Program. Providing expert advice and fiduciary protection in an uncertain world. The Institutional 401(k) Program Providing expert advice and fiduciary protection in an uncertain world. You Can Get Advice from Anyone. How confident are you in the source? When you decided to offer a

More information

ING MAP Select SM Comparison of Unbundled Service Models

ING MAP Select SM Comparison of Unbundled Service Models ING MAP Select SM Comparison of Unbundled Service Models Description of Customer Service Model Combination of ING and TPA with TPA providing plan-related services Combination of ING and TPA with ING providing

More information

Understanding Retirement Plan Fees and Expenses

Understanding Retirement Plan Fees and Expenses Understanding Retirement Plan Fees and Expenses To view this and other EBSA publications, visit the agency s Web site at: www.dol.gov/ebsa. To order publications, contact us electronically at: www.askebsa.dol.gov.

More information

DC Plan Demographics: Key Participant Behaviors That May Impact Retirement Success

DC Plan Demographics: Key Participant Behaviors That May Impact Retirement Success DC Plan Demographics: Key Participant Behaviors That May Impact Retirement Success Peter T Walsh Institutional Portfolio Manager Global Asset Allocation 2014 FMR LLC. All rights reserved 681490.1.0 50-54

More information

a 403(b) plan can help me save enough to retire

a 403(b) plan can help me save enough to retire retirement plan a 403(b) plan can help me save enough to retire EQUI-VEST Strategies sm series 900 and 901 group variable deferred annuity for 403(b) TSA plans Variable Annuities: Are Not a Deposit of

More information

Retirement Connections: A Professionally Managed Solution

Retirement Connections: A Professionally Managed Solution Retirement Connections: A Professionally Managed Solution Expand your practice and build loyalty with an easy-to-use retirement plan for your small business clients For Financial Advisor use only. Not

More information

Fiduciary toolkit for financial professionals

Fiduciary toolkit for financial professionals Fiduciary toolkit for financial professionals For financial advisor use only. Not for distribution to retail investors. Vanguard is your partner to help guide you and your clients in addressing fiduciary

More information

Schwab Bank Savings. An FDIC-insured deposit feature for retirement plans

Schwab Bank Savings. An FDIC-insured deposit feature for retirement plans Schwab Bank Savings An FDIC-insured deposit feature for retirement plans It s different from the usual cash preservation options, with a lot of benefits In conversations with our clients, Schwab Bank has

More information

Get help achieving your financial goals.

Get help achieving your financial goals. Get help achieving your financial goals. TIAA-CREF: Committed to your overall financial well-being Did you know? TIAA was founded in 1918 to provide retirement security to university faculty. TIAA-CREF

More information

Minimum distribution. Making it simple

Minimum distribution. Making it simple Minimum distribution Making it simple Required minimum distributions What you need to know What are required minimum distributions?... 03 TIAA-CREF s Minimum Distribution Option (MDO)... 04 Is the Minimum

More information

INCOME Promise. An Single-premium Immediate Fixed Annuity Underwritten by Nationwide Life Insurance Company

INCOME Promise. An Single-premium Immediate Fixed Annuity Underwritten by Nationwide Life Insurance Company INCOME Promise An Single-premium Immediate Fixed Annuity Underwritten by Nationwide Life Insurance Company What is a single-premium immediate fixed annuity? A single-premium immediate fixed annuity is

More information

Nationwide Investment Advisors, LLC

Nationwide Investment Advisors, LLC Item 1 Cover Page Nationwide Investment Advisors, LLC 10 West Nationwide Blvd Mail Code: 5-02-301J Columbus, OH 43215 614-435-5922 February 26, 2015 Part 2A of Form ADV This document ( brochure ) provides

More information

ING Serves Universities and Colleges to a Higher Degree

ING Serves Universities and Colleges to a Higher Degree ING Serves Universities and Colleges to a Higher Degree Your future. Made easier. ING has a local presence in more than 1,361 Higher Education plans. We provide retirement plans to more than 126,974 participants

More information

Hewitt Financial Services Self-Directed Brokerage Account (SDBA)

Hewitt Financial Services Self-Directed Brokerage Account (SDBA) invest in you Enrollment Guide Brokerage Account (SDBA) Savings Plus offers a self-directed brokerage account option for investors who may want to direct investments to a wider variety of options other

More information

Get the support you deserve to help your plan succeed.

Get the support you deserve to help your plan succeed. Retirement Plans Three-Year Service Plan Get the support you deserve to help your plan succeed. For Plan Sponsor Use Only Right Away Year 1 GEtTing STARTED While your plan s financial advisor gathers the

More information

Transfers and Withdrawals from the Tiaa Traditional annuity

Transfers and Withdrawals from the Tiaa Traditional annuity Transfers and Withdrawals from the Tiaa Traditional annuity Tiaa s Transfer Payout annuity This guide has information about moving funds out of the Tiaa Traditional annuity using the Transfer Payout annuity

More information

PRODUCTS AND SERVICES

PRODUCTS AND SERVICES PRODUCTS AND SERVICES Cost and Guide As a member of Thrivent Financial, we want you to have the information you need about the products and services you re paying for. This guide describes the costs associated

More information

Dollar Cost Averaging

Dollar Cost Averaging Understanding Dollar Cost Averaging An Investing Strategy for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 11/15 27029-15A

More information

Partnering for success, today and in the future

Partnering for success, today and in the future Partnering for success, today and in the future For Plan Consultant (TPA) use only. Not for distribution with the public. John Hancock Unique and relevant programs to build a strong and profitable business,

More information

Plan Design: Setting the Cornerstone for a Solid Company Retirement Plan

Plan Design: Setting the Cornerstone for a Solid Company Retirement Plan Plan Design: Setting the Cornerstone for a Solid Company Retirement Plan In building the tallest skyscraper or a one-story home, it s the blueprint that matters most. You cannot build up until you design

More information

Welcome to your new 401(k) home

Welcome to your new 401(k) home Welcome to your new 401(k) home Introducing Vanguard... your new 401(k) partner We are excited to welcome Vanguard to the Anheuser-Busch 401(k) Savings and Retirement Plan as our new investment manager,

More information

Variable Annuities Because Retirement Requires a New Way of Thinking

Variable Annuities Because Retirement Requires a New Way of Thinking Pacific Life Variable Annuities Because Retirement Requires a New Way of Thinking 13141-12A 5/12 5/15 13141-15A As You Plan for Retirement, Think Differently Whether you re approaching retirement or already

More information

Enter retirement with confidence

Enter retirement with confidence Nationwide High Point 365 Lifetime Income Benefit rider Guaranteed Lifetime Income Enter retirement with confidence Nationwide New Heights Fixed Indexed Annuity with Nationwide High Point 365 provides

More information

Building Your Retirement Portfolio

Building Your Retirement Portfolio Building Your Retirement Portfolio With the Help of TIAA-CREF 111075_L01.indd 1 ABOUT TIAA-CREF: For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

The IRA Rollover Experts. Providing Comprehensive, Low Cost IRA Rollover Solutions to Help Meet Your Retirement Needs

The IRA Rollover Experts. Providing Comprehensive, Low Cost IRA Rollover Solutions to Help Meet Your Retirement Needs The IRA Rollover Experts Providing Comprehensive, Low Cost IRA Rollover Solutions to Help Meet Your Retirement Needs The IRA Rollover Experts Today s complex financial environment demands not only a carefully

More information

The Services Available to Your 401(k) Plan

The Services Available to Your 401(k) Plan The Services Available to Your 401(k) Plan Spectrum Group at Graystone Consulting a business of Morgan Stanley Smith Barney LLC Transforming Complex Challenges into Practical Strategies By offering your

More information

Considerations for Plan Sponsors: CUSTOM TARGET DATE STRATEGIES

Considerations for Plan Sponsors: CUSTOM TARGET DATE STRATEGIES PRICE PERSPECTIVE April 2015 Considerations for Plan Sponsors: CUSTOM TARGET DATE STRATEGIES In-depth analysis and insights to inform your decision making. EXECUTIVE SUMMARY Defined contribution plan sponsors

More information

THE WAGNER LAW GROUP A PROFESSIONAL CORPORATION DEFAULT INVESTMENTS AND INVESTMENT ADVICE UNDER PPA

THE WAGNER LAW GROUP A PROFESSIONAL CORPORATION DEFAULT INVESTMENTS AND INVESTMENT ADVICE UNDER PPA DEFAULT INVESTMENTS AND INVESTMENT ADVICE UNDER PPA I. Default Investments. Fiduciary Relief. Plan sponsors are not responsible for the specific investment decisions made by participants if the plan complies

More information

Program Features and Highlights

Program Features and Highlights Wisconsin Deferred Compensation (WDC) Program Program Features and Highlights Learn more about Wisconsin s section 457(b) Deferred Compensation Program What is a section 457 deferred compensation program?

More information

Table of Contents. 1. Introduction. 2. Solutions. 3. Products. 4. Processing. 5. etools

Table of Contents. 1. Introduction. 2. Solutions. 3. Products. 4. Processing. 5. etools Table of Contents 1. Introduction 2. Solutions 3. Products 4. Processing 5. etools 6. Communication 7. Customer Service Your Outsourcing Solution for Employee Benefits Since 2001, Dyatech has been providing

More information

State Life Care Solutions. Asset-Care. Producer guide

State Life Care Solutions. Asset-Care. Producer guide State Life Care Solutions Asset-Care Producer guide Products and financial services provided by The State Life Insurance Company a OneAmerica company I-21013 (IPR) Not a deposit. Not FDIC insured. Not

More information

JPMorgan Chase 401(k) Savings Plan Important Information About Rollovers

JPMorgan Chase 401(k) Savings Plan Important Information About Rollovers JPMorgan Chase 401(k) Savings Plan Important Information About Rollovers This flyer is designed to help you better understand rollover contributions to your JPMorgan Chase 401(k) Savings Plan account.

More information

PLAN. Enroll today. Enjoy tomorrow. Chicago Public Schools 403(b) Tax-Deferred Retirement Plan and 457(b) Deferred Compensation Plan

PLAN. Enroll today. Enjoy tomorrow. Chicago Public Schools 403(b) Tax-Deferred Retirement Plan and 457(b) Deferred Compensation Plan PLAN Enroll today. Enjoy tomorrow. Chicago Public Schools 403(b) Tax-Deferred Retirement Plan and 457(b) Deferred Compensation Plan saving : investing : planning Workplace retirement plans to help you

More information

529 QuickView Ease of Enrollment and Access to Your Client Accounts

529 QuickView Ease of Enrollment and Access to Your Client Accounts 529 QuickView TH E S TAT E T R EA SURER Administered by Nevada State Treasurer OFFICE O F Ease of Enrollment and Access to Your Client Accounts 18 64 4 186 DIO ECETES CIVITAS NE VA D A Access the Client

More information

The Janney Rollover IRA Advantage. Your Road to Retirement

The Janney Rollover IRA Advantage. Your Road to Retirement The Janney Rollover IRA Advantage Your Road to Retirement The Highest Standard of Success in Financial Relationships Rolling over assets to an IRA at Janney Montgomery Scott offers you important advantages

More information

Social Security Number Daytime Phone Number Evening Phone Number. D. What is the approximate amount of your rollover contribution? $,,.

Social Security Number Daytime Phone Number Evening Phone Number. D. What is the approximate amount of your rollover contribution? $,,. DTE Energy Company Savings and Stock Ownership Plan 1 Rollover Application Your Personal Information (Please use ink and print in capital letters) Social Security Number Daytime Phone Number Evening Phone

More information

SERVICE. LOYALTY. HONESTY. INTEGRITY.

SERVICE. LOYALTY. HONESTY. INTEGRITY. SERVICE. LOYALTY. HONESTY. INTEGRITY. USAA WEALTH MANAGEMENT Since 1922, USAA s mission has been to facilitate the financial security of our members and their families. Our approach is built on a tradition

More information