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

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1 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 brand

2 Welcome to the TD Ameritrade Retirement Plan The success of your company s retirement plan matters to you. We want you to know that it matters to us, too. That s why we ve created the TD Ameritrade Retirement Plan, a streamlined solution designed to support you as a fiduciary and empower your participants to take more control of their financial future. Our flexible approach to investments is a key feature of the TD Ameritrade Retirement Plan. It allows you to work closely with your trusted advisor to achieve a diverse investment menu for your participants, and, as a result, enhance your ability to attract and retain valuable employees. Meanwhile, the TD Ameritrade name provides you and your participants with confidence in the quality and reliability of your retirement plan. The TD Ameritrade Retirement Plan gives you everything you need in one solution The reputation and value that come with a nationally respected brand The investment flexibility of a true open architecture investment approach, which supports a collaborative investment selection process for you and your advisor Resources, tools, and education for you and your participants, including reports and account management capabilities Easy administration to streamline your responsibilities Full-service recordkeeping TD Ameritrade Retirement Plan Proposal

3 Contents About TD Ameritrade Trust Company Page 2 About the TD Ameritrade Retirement Plan Page 3 The Benefits of True Open Architecture Page 5 An Impressive Range of Investment Solutions Page 6 Participant Services Page 8 Plan Sponsor Services Page 9 Reliable Recordkeeping and Plan Administration Page 10 Setting Up Your TD Ameritrade Retirement Plan Page 11 TD Ameritrade Retirement Plan Proposal

4 About TD Ameritrade Trust Company TD Ameritrade Trust Company and its employees have a long-established history of working with retirement plan sponsors like you. Our experienced and knowledgeable team is committed to enabling your vision for your retirement plan though powerful resources, robust tools, and world-class service. When you choose to work with us, you ll see how deeply we are committed to your plan s success and your employees retirement outcomes. 2 TD Ameritrade Retirement Plan Proposal

5 About the TD Ameritrade Retirement Plan It s smart and simple The TD Ameritrade Retirement Plan is designed to satisfy your high expectations by bringing together ease of plan implementation, investment flexibility, and support in meeting your fiduciary responsibilities all in one streamlined package. It s a smart combination, enabling your trusted advisor to draw from a broad universe of investment solutions while giving you structured plan administration. We offer open investment architecture, the convenience and simplicity of a turnkey approach, and the confidence that comes with the TD Ameritrade name. The result is the TD Ameritrade Retirement Plan a solution built to perform for your company. A Turnkey Solution Get full-service recordkeeping, custodial, and plan administration all through a single retirement plan program Enjoy robust online tools and account access Leverage comprehensive educational materials True Open Architecture Benefit from an extraordinary breadth of investment choices Work closely with your advisor to create a plan menu that fits your needs and those of your employees The Strength of a Trusted Brand Leverage our respected national brand Trust in our stability Inspire confidence in your participants Benefit from our experience in the retirement plan arena The TD Ameritrade Retirement Plan TD Ameritrade Retirement Plan Proposal 3

6 About the TD Ameritrade Retirement Plan (continued) A Seamless Solution All aspects of the TD Ameritrade Retirement Plan from plan design support, recordkeeping, plan administration, and directed trustee and custodial services to fiduciary resources and participant education have been seamlessly integrated to provide you and your participants with an easy-to-use retirement plan program and help you fulfill your responsibilities. Your advisor will have the flexibility to help you select the best investment options for your fund menu. Meanwhile, you will benefit from our packaged, streamlined solution, which has been designed to give you expert assistance with your retirement plan duties, so you can use your time more strategically to the benefit of your business. Experience outstanding investment flexibility and ease of administration all from a recognized and established brand. Exceptional support, including tools, materials, and personalized attention The program brings together everything you need as a plan sponsor, creating a comprehensive suite of robust tools and materials, including streamlined plan-level account management. Your participants will enjoy access to resources, simplified personal account management, enrollment and education support, retirement readiness planning tools, IRA rollover assistance, and more, creating a truly optimal experience. Transparent pricing Understanding and evaluating plan fees and expenses associated with plan investments, investment options, and services are an important part of a fiduciary s responsibility. Department of Labor, Understanding Retirement Plan Fees and Expenses ( We understand that you have many responsibilities as a fiduciary including evaluating whether the fees your plan is paying are reasonable. The TD Ameritrade Retirement Plan Solution offers fee transparency to help you as you work with your advisor to monitor and manage your plan. 4 TD Ameritrade Retirement Plan Proposal

7 The Benefits of True Open Architecture The success of your retirement plan begins with leveraging the investment expertise of your advisor. The true open architecture platform of the TD Ameritrade Retirement Plan makes that possible by providing a broad universe of investment options. Our open architecture framework does not have proprietary fund requirements, so your advisor has the freedom, choice, and flexibility to create an investment menu that s customized for your plan and its participants. The TD Ameritrade Retirement Plan includes the Institutional Money Market Deposit Account, so your participants have access to an FDIC-insured product.* With our solution, your advisor will build an investment menu specific for your plan and select from investment solutions like mutual funds, Exchange Traded Funds, Unitized Managed Accounts, Collective Investment Funds, Self-Directed Brokerage Accounts, and employer stock. Give your advisor the freedom and flexibility to choose the best investment solutions for your plan. * The TD Bank USA, N.A. Institutional Money Market Deposit Account (Institutional MMDA) is included as an investment option in your plan menu. The Institutional MMDA enables your participants to have access to an FDIC insured product. In addition to the Institutional MMDA, you may select other cash or money market options for the plan menu. TD Ameritrade Retirement Plan Proposal 5

8 An Impressive Range of Investment Solutions Working with your advisor, you can offer your participants a menu of investment options that includes any or all of these choices: Mutual Funds Our platform offers access to a selection of more than 10,000 mutual funds from over 400 fund families. From this extensive fund universe, your advisor will help you create an investment menu that aligns with your goals and appeals to your participants. Exchange Traded Funds (ETFs) We have approximately 1,100 ETFs available on our platform, empowering you and your advisor to provide diversified and flexible investment opportunities to your participants. ETFs combine key features of individual stocks and mutual funds. Many ETFs are designed to track a specific market index or sector, such as health care or natural resources, and ETFs are often employed for index return capture at a low cost. ETFs also deliver a high level of transparency by identifying underlying holdings. Unitized Managed Accounts (UMAs) UMAs are advisor-managed portfolios that are valued or unitized daily and may include publicly traded equities, privately held stocks, ETFs, and mutual funds. With UMAs, your advisor can deliver a managed, customized investment strategy with fullfee disclosure at a competitive price for your participants. While your employees may not have access to professionally managed portfolios outside of their plan accounts, we support your ability to provide them with access to professional management as plan participants. Carefully consider the investment objectives, risks, charges and expenses of an investment company before investing. A prospectus, obtained from your advisor, contains this and other important information. Read carefully before investing. 6 TD Ameritrade Retirement Plan Proposal

9 Collective Investment Funds (CIFs) CIFs allow you to provide your participants with advanced diversification grounded in specific investment strategies. These investment vehicles offer asset allocation solutions using mutual funds and ETFs, and can help meet a wide range of investment objectives, including specific retirement dates or desired mixes of investment types. Self-Directed Brokerage Accounts (SDBAs) SDBAs allow plan sponsors like you to deliver an extra level of diversification and personalization to participants. Provided through our brokerage affiliate, TD Ameritrade, Inc., these accounts enable participants to go beyond core investment options and gain access to a wide variety of additional choices, including publicly traded funds and stocks. The Institutional Money Market Deposit Account The Institutional Money Market Deposit Account offered by TD Bank USA, N.A., is an attractive, low risk investment option. Deposits are protected by FDIC insurance of up to $250,000 per depositor. 1 1 For additional information regarding FDIC insurance, please visit or call ASK-FDIC. TD Ameritrade Retirement Plan Proposal 7

10 Participant Services We believe a successful retirement plan empowers participants to take more control of their financial future. That s why we are committed to increasing engagement and contributions through meaningful and effective participant education from initial enrollment to ongoing support. Our communications are designed to address diverse circumstances and financial knowledge levels with compelling educational materials and tools. Your participants will have all they need to track their accounts, including 24/7 online access and quarterly statements. They ll also be able to rely on our knowledgeable service representatives for support. Additional services for your participants A comprehensive website with thoughtfully selected resources for account management and more 24-hour interactive voice response system Online enrollment, with related support and materials Daily valuation of accounts Personalized rates of return/performance Data exports (for Quicken or other financial software) Rebalancing capabilities Online educational support, including: Retirement planning tools A robust resource center Investment information Rollover assistance when leaving the plan 8 TD Ameritrade Retirement Plan Proposal

11 Plan Sponsor Services As a plan sponsor, you have many responsibilities related to your retirement plan. At TD Ameritrade Trust Company, we understand, so we ve built our solution to deliver key services, tools, and materials designed to support you in your role as a fiduciary. Services for You Plan design support Signature-ready plan documents and supporting forms, based on stated goals Full-service recordkeeping and plan administration Compliance testing Form 5500 preparation Downloadable reports Guaranteed timely payment of mutual fund revenue sharing 2 Asset custody services Directed trustee services (available upon request for an additional fee) Easy access to plan information online or by phone Auto-enroll and auto-increase programs Dedicated relationship support Plan sponsor-focused website with streamlined payroll administration, participant enrollment, and reporting 2 Guarantees timely payments of mutual fund revenues earned on plan balances. TD Ameritrade Retirement Plan Proposal 9

12 Reliable Recordkeeping and Plan Administration Recordkeeping and plan administration are essential components ones that require consistent accuracy, up-to-the-minute regulatory knowledge, and seamless operations. As part of our commitment to excellence, the TD Ameritrade Retirement Plan includes the services of a leading recordkeeping/third-party administration firm. Through the TD Ameritrade Retirement Plan program, you will benefit from the deep industry experience that comes with first-class recordkeeping and plan administration, which will assist you in navigating regulatory issues and reporting requirements. You can count on the TD Ameritrade Retirement Plan to deliver the following recordkeeping and plan administration services: Cutting-edge technology that helps ensure accuracy and saves time Responsive, personal service, focused on you and your participants Customized reporting to fit your plan s needs A powerful suite of tools for a wide array of needs Testing, government reporting, and Form 5500 filing to help keep your plan compliant with regulations Comprehensive and flexible document services 10 TD Ameritrade Retirement Plan Proposal

13 Setting Up Your TD Ameritrade Retirement Plan Ready to get started? You re just a few simple steps away from setting your plan in motion. STEP 1 STEP 2 STEP 3 STEP 4 STEP 5 STEP 6 Contact your advisor to initiate the process. Your advisor will alert TD Ameritrade Trust Company of your decision and assemble the necessary paperwork to establish your plan. Work with your advisor and TD Ameritrade Trust Company to design your plan, finalize the investment menu for your participants, complete your paperwork, and understand your fees. Send in all paperwork. We will let you know we ve received your materials and ensure that all is in order. As the plan implementation or conversion process begins, your advisor will continue to work with you to ensure all your needs are being met. For more information or to begin implementing your plan, contact your advisor today. TD Ameritrade Retirement Plan Proposal 11

14 Custody, directed trustee, recordkeeping, plan design support, and plan administration are provided by TD Ameritrade Trust Company, a non-depository trust company. Brokerage services are provided by TD Ameritrade, Inc., member FINRA/SIPC/NFA. TD Ameritrade Trust Company and TD Ameritrade, Inc., are separate but affiliated subsidiaries of TD Ameritrade Holding Corporation ( TD Ameritrade ). TD Bank USA, N.A., TD Ameritrade, Inc., and TD Ameritrade Trust Company are affiliated through their parent companies. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company and The Toronto-Dominion Bank TD Ameritrade IP Company, Inc. All rights reserved. Used with permission.

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16 AT /08/2014 TDTC 3507 BR 12/13