Solution Focus The problem: A rep is only series 6 and 63 licensed, but wants to offer their clients a rollover IRA solution for their retirement assets, and get paid on that account. A rep isn t an IAR and doesn t have a series 65 or 66, but would like to get paid a monthly trail based on assets in their client s IRA. The solution: ING Select Advantage IRA Target Market: This would be ideal for clients with rollover assets from employer sponsored retirement accounts and those looking to consolidate several retirement accounts into one. This account is intended for qualified rollover IRA dollars. Investment Options: The ING Select Advantage IRA has 33 different fund managers with 130 different mutual funds for an advisor and client to choose from to build a diversified, balanced portfolio. Well known mutual fund companies such as American Funds, BlackRock, Fidelity, Franklin Templeton, and PIMCO are among those offered. Automatic portfolio rebalancing for quarterly, semi-annual, or annual frequencies is available at no additional cost as well as a dollar cost averaging option. Compensation: The Select Advantage IRA is a single IRA account with access to a broad range of mutual funds. This account has minimal fees and the representative gets paid an upfront 1% commission on all initial and ongoing contributions as well as a 50 bps annual trail starting in the second year, paid on a monthly basis. The new account application paperwork is only 3 pages. Cost: The client isn t charged a front-end or back-end load. There are no transaction fees when making investment choices as well as no cost to periodically rebalance the portfolio. There is a maintenance fee for accounts under $15,000 of $50 per year and an ongoing record keeping fee outlined below. Each mutual fund investment option has a management fee associated with it, and all fees need to be considered closely before investing. Total Assets Annual Record Keeping Fee $0 - $49,999 0.60% $50,000 - $99,999 0.55% $100,000 and above 0.50% Minimums: There is a $5,000 initial rollover minimum and an additional contribution minimum of $1,000. For More Information please visit www.ingselectadvantage.com (Password: advantage) or call the ING sales desk at 800-369-5301. Once on this site, view the informative advisor video, review the material, and download the client application. This account may not be suitable for everyone. For Registered Representative Use Only. Not For Public Distribution.
ING Select Advantage IRA: At-a-Glance Mutual Fund Custodial Account www.ingselectadvantage.com promotional code: advantage An IRA solution like ING Select Advantage IRA gives your clients the freedom to choose how they invest their retirement assets. Your clients can select from many wellknown mutual funds from some of the top managers in the industry. Your clients have the ability to invest their way for minimal fees. This means: n no front-end loads n no back-end fees n no transaction charges n no deferred sales charges n no transfer-out fees With ING Select Advantage IRA your clients have: 3Freedom to choose their investments 3Access to well known fund managers 3Easier account management with quarterly statements and online account access 3Over 40 funds with an Overall Morningstar Rating of 4 and 5 stars Investable Assets Fund Managers Account Types Available Additional Features Minimum Contributions Recordkeeping Fee fund operating expenses also apply fees are deducted quarterly Deferred Sales Charge Transaction Fee Individual Retirement Account, designed to accept initial contributions of $5,000 or more, rollovers or transfers from any 401(k), 403(b) and governmental 457 plan, as well as from other IRAs. SIMPLE IRAs can only accept rollovers from other SIMPLE IRAs. Will accept direct transfers. Rolling a 457 to an IRA before age 59 1 2 should be carefully considered. Any amount rolled from a 457 to an IRA will become subject to the IRS 10% premature distribution penalty tax. ING Select Advantage IRA has mutual funds from a wide variety of respected fund management companies, including over forty 4 & 5 star funds Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, Traditional Beneficiary IRA and Roth Beneficiary IRA. (Beneficiary IRAs are also known as Stretch IRAs or Inherited IRAs.) Dollar Cost Averaging, Automatic Asset Rebalancing, Fund Reallocation DCA is available as a 6,12 or 24 month schedule. Automatic Asset Rebalancing and Dollar Cost Averaging cannot be elected together. Having one of these features prohibits the election of the other. $5,000 minimum initial rollover or transfer. $1,000 minimum for additional contributions. $100 minimum for additional contributions made through automatic monthly investments. Minimum waived for SIMPLE IRA and SEP IRA contributions. None Total Assets Annual Recordkeeping Fee $0 to <$50,000 0.60% $50,000 to <$100,000 0.55% $100,000+ 0.50% None, even for transfers between different fund families. Transfers are subject to ING's Excessive Trading Policy. Please read the disclosure document for more details. Maintenance Fee Total Assets Annual Maintenance Fee $0 to < $15,000 $50 $15,000 + $0 Minimum Purchase Age Age 21 The maintenance fee will be assessed annually or at the time of account closure. Mutual funds offered through a retirement plan are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59 1 2, an IRS 10% premature distribution penalty tax will apply, unless an exception applies. Money distributed from the program will be taxed as ordinary income in the year the money is received. The mutual fund values fluctuate with market conditions, and when surrendered, the principal may be worth more or less than its original amount invested.
For more information, please contact: ING Annuity & Asset Sales 1-800-344-6860 Not FDIC/NCUA Insured Not A Deposit Of A Bank Not Bank Guaranteed May Lose Value Not Insured By Any Federal Government Agency Clients should consider the investment objectives, risks, charges, and expenses of the mutual funds offered through a retirement plan carefully before investing. The prospectus(es) contain(s) this and other information which clients should be able to obtain by contacting their local representative. Clients should read the prospectus(es) carefully before investing. ING National Trust is the custodian for ING Select Advantage IRA Mutual Fund Custodial Accounts and are distributed by ING Financial Advisers, LLC (member SIPC), One Orange Way, Windsor, CT 06095-4774 or other broker-dealers with which it has a wholesaling or selling agreement. Both are members of the ING family of companies. ING Annuity & Asset Sales is the marketing name for the issuing insurance company. Past performance is no guarantee of future results, For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for a variation in a fund s monthly performance (including the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The top 10% of funds in an investment category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a fund is derived from a weighted average of the performance figures associated with its 3-, 5-, and 10-year (if applicable) Morningstar Rating metrics. Ratings are as of 08/01/2013 and subject to change. 2013 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. 2013 ING North America Insurance Corporation CN0827-12084-0915 154699 9/15/2013
Top Reasons ING Select Advantage IRA 12 12 Can Be a Fit For Your Clients - and You ING Select Advantage IRA is a mutual fund custodial account designed for your clients retirement assets. They pick their mutual fund choices from a list of options and see the results of their investments on their quarterly statements, or by going online. 1 2 3 4 5 6 7 8 9 10 11 12 Your clients can rollover qualified assets or open an account for as little as $5,000. We have a simple 3 page application: client information fund allocation rep information DONE! While this is a long-term retirement savings product, it's also fully liquid, so your clients will never have to pay a surrender charge if they decide to cash out. Your clients can choose from over 120 mutual funds offered by more than 30 well-known fund companies including American Funds, BlackRock, PIMCO, Ivy Funds, Eaton Vance, Oppenheimer all available within one retirement account. We have well-known funds in all asset classes. Plus many of our available funds have a track record of over 10 years, which can provide more detailed past performance illustrations. No Ticket-Charges or transaction fees at all. Your clients can move throughout funds and fund families free of charge. It's also a diversification option to give to your qualified A Share clients. No Front-End loads. Your clients can choose as many funds and/or fund families that they'd like - all with no loads. 1 Dollar-Cost-Averaging and Auto-Rebalancing are available at no additional cost. Accounts are available in the following lines of business: Traditional IRA and Roth IRA; SIMPLE IRA and SEP IRA; and Stretch IRA (Beneficiary IRA) accounts. The Morningstar Investment Screener and Illustration Tools are available on the www.ingselectadvantage.com website (promo code: Advantage). 2 We offer a Liquid Assets Account, so your clients can always place a portion of their account in a stable value account during unsettled markets. 3 Ability to process withdrawals and block reallocations through the web are available to help you effectively and efficiently manage your clients' accounts, subject to electronic trade authorization. 30 Regional Wholesalers ready to support your business, including preparing sales ideas, rollover support, and comparative portfolio illustrations to make the sales process as simple as possible for you. 1 Fund operating expenses also apply. Accounts with values less than $15,000 will incur a $50 annual maintenance fee. An annual recordkeeping fee of 0.50%-0.60% applies to all accounts. 2 Morningstar is not a member of the ING family of companies. 3 An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, there is no assurance that it will be able to do so. While the fund's objective includes the preservation of capital, it is possible to lose money by investing money in the fund. ING Select Advantage IRA is "Rollover Ready" for your clients and you! ING Select Advantage IRA could be a great fit for your clients who are job changers, have small IRA accounts or non-consolidated accounts.
FOR MORE INFORMATION, CONTACT ING SALES DESK 1-800-344-6860 Or visit www.ingselectadvantage.com (promotional code: advantage) for more information about how to do business with ING Select Advantage IRA, including forms and applications. Not FDIC/NCUA Insured Not A Deposit Of A Bank Not Bank Guaranteed May Lose Value Not Insured By Any Federal Government Agency Clients should consider the investment objectives, risks, charges, and expenses of the mutual funds offered through a retirement plan carefully before investing. The prospectus(es) contain(s) this and other information which clients should be able to obtain by contacting their local representative. Clients should read the prospectus(es) carefully before investing. Mutual funds offered under a retirement plan are long-term investments designed for retirement purposes. Money taken from the plan will be taxed as ordinary income in the year the money is distributed. Early withdrawals from the plan (taken prior to age 59½) will be subject to an IRS 10% premature distribution penalty tax, unless an exception applies. Account values fluctuate with market conditions, and when redeemed the principal may be worth more or less than its original amount invested. ING National Trust is the custodian for ING Select Advantage IRA Mutual Fund Custodial Accounts. ING Select Advantage IRA mutual fund retirement programs are distributed by ING Financial Advisers, LLC (member SIPC), One Orange Way, Windsor, CT 06095-4774 or other broker-dealers with which it has a wholesaling or selling agreement. Both are members of the ING family of companies. ING Annuity and Asset Sales is the marketing name for the ING family of companies referenced. 2013 ING North America Insurance Corporation CN0607-10536-0715 167308 11/22/2013