PlanMember Services. The PlanMember Services Model Plan Program. Experience the Power of Membership

Transcription

1 PlanMember Services The PlanMember Services Model Plan Program Experience the Power of Membership

2 Lockhart ISD 457(b) Program Riata Financal Group 245 Landa Street New Braunfels, TX Telephone: (830) Fax: (830)

3 Background Overview of PlanMember Services Corporation Located in Carpinteria, California FINRA Broker/Dealer and SEC registered Investment Advisor in all 50 states More than 90,000 member accounts and over 5,500 school district and nonprofit employer relationships nationwide Nearly three decades of retirement plan service to the educational and nonprofit communities Provides a broad array of valuable membership services and a proven approach to retirement planning Offers a broadly diversified collection of investment options including self-directed and professionally-managed mutual fund portfolios and guaranteed fixed annuity options* * Guarantees and benefits are subject to the claims-paying ability of the underlying insurance company.

4 T h e P o w e r o f M e m b e r s h i p The PlanMember Services \Program A Proven Approach to Retirement Planning Customized Plan and Savings Analysis 1 ANALYSIS 2 ADVICE A time-tested approach to retirement investing Ongoing education and support helps educate members and keep them informed 4 SUPPORT PLANMEMBER SERVICES PROGRAM 3 REVIEW An Annual Review of each member s savings and investment strategy

5 T h e P o w e r o f M e m b e r s h i p Plan and Savings Analysis A Customized Retirement Planning Road Map Provides an estimate of Social Security and/or state retirement system benefits Estimates savings totals necessary to reach retirement income goals Calculates payroll contribution amounts to meet long-term savings goals Recommends a model PlanMember investment Portfolio that matches investor profile

6 T h e P o w e r o f M e m b e r s h i p Professional Investment Advice PlanMember Services Asset Allocation Portfolios Five professionally managed lifecycle investment portfolios Strategic blends of stock, bond and money market mutual funds Objectives from stability of principal to maximum longterm growth Strategically rebalanced or re-weighted based on conditions of economy and financial markets Early Career Mid Career Late Career Portfolio V A PlanMember Portfolio for Every Career Stage Portfolio IV More Aggressive Portfolio III Portfolio II Portfolio I More Conservative Before investing carefully read the prospectus(es) which contain information about investment objectives, risks, charges, expenses and other information all of which should be carefully considered before investing. For current prospectus(es) call (800) The investment return and principal value will fluctuate and, when redeemed, the investment may be worth more or less than the original purchase price. Mutual funds and money market funds are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market funds seek to preserve the value of $1 per share, it is possible to lose money by investing in these funds. Asset Allocation of the use of an investment advisor does not ensure a profit or guarantee against loss.

7 T h e P o w e r o f M e m b e r s h i p Annual Retirement Plan Review TM Yearly checkup of each participant s personalized retirement planning and investment strategy Evaluates individual account progress Identifies necessary adjustments to contribution amount and PlanMember Portfolio selection Customized progress report accessed online

8 P l a n M e m b e r S e r v i c e s T h e P o w e r o f M e m b e r s h i p Ongoing Education and Support Services Employee enrollment seminars Interactive PlanMember Online web site including participant planning tools and account access Quarterly consolidated statement E-delivery of account statements, trade confirmations and other important documents PlanMember Services Program Membership News Planning your future today W Fall 2009 a Principal Protection strategy Protecting Your nest egg from market VolatilitY ith the unprecedented volatility of the stock market over the last year or so, many retirement investors are looking for an investment strategy that provides protection of their nest egg while still providing the potential for additional growth. By strategically combining a guaranteed fixed-rate investment* such as a fixed annuity with a Regular Membership Newsletters and investment updates Personalized PlanMember Services membership card Toll-free PlanMember Service Center from 6:00 a m to 5:00 p m PST Featured In this Issue: Principal Protection strategy the Basics of Fixed annuities to roth or not to roth diversified PlanMember growth portfolio, you can pursue just such a strategy. This principal protection strategy is designed help ensure that at least your initial investment will be available at retirement regardless of how the stock market performs. In the event that the stock market provides historically average or superior returns, this strategy positions you to potentially achieve higher long-term growth than a 100% fixed-rate investment. Getting started As a general rule, begin by subtracting your current age from the age that you will begin making withdrawals from the investment. The difference is your investment time horizon. Next, use your investment time horizon and the average annual interest crediting rate of the fixed-rate investment to determine the allocation of your savings to invest between the fixed-rate investment and the growth component of your portfolio. The idea is to find the percentage continued on page 2 Continued on Page 2

9 Investment Options The PlanMember Services Program Investment and Annuity Options PlanMember Elite - A Time-Tested Approach to Retirement Investing PlanMember Select - Personal Representative Support Symetra Flex Premium Plus Fixed Annuity - A Traditional Guaranteed Fixed Annuity 1 Features and Benefits Investment options can be combined using a single PlanMember Account Application 2 Quarterly consolidated account statement 457(b) loan program Website account access and toll-free PlanMember Service Center support 1. Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company,, th Avenue NE, Suite 1200, Bellevue, WA Symetra Flex Premium Plus Fixed Annuity requires additional Symetra Fixed Annuity application.

10 Investment Options The PlanMember Services Program PlanMember Elite Includes Index and Hybrid program options each offering five professionally managed investment portfolios constructed from no-load and load-waived* mutual funds for some of the nation s leading fund companies Index option favors index mutual funds over actively-managed mutual funds and features mutual funds from Dodge & Cox, T. Rowe Price and Vanguard Hybrid option combines index and actively-managed mutual funds and features no-load and load-waived mutual funds* from Vanguard, American Funds and OppenheimerFunds Mutual fund selection for both options features low internal fund management expenses and is broadly diversified across asset classes and investment styles Portfolios managed by experienced investment professionals according to a time-tested approach to retirement investing * An annual asset-based fee will apply for portfolio management services as well as the internal expenses and fees of the underlying funds. Before investing in any mutual fund carefully read the prospectus(es) which contain information about investment objectives, risks, charges, expenses and other information all of which should be carefully considered before investing. For current prospectus(es) call (800) Asset Allocation of the use of an investment advisor does not ensure a profit or guarantee against loss.

11 Investment Options The PlanMember Services Program PlanMember Select Client works with Registered Representative to select from a platform of more than 1,350 mutual funds from 15 different mutual fund families Fund companies include: AllianceBernstein American Funds DWS Investments Federated Investors Fidelity Advisor Franklin Templeton Hartford Invesco John Hancock MFS OppenheimerFunds Pioneer Principal Putnam Security Funds Can select from A, B and C share classes Allows clients to invest in mutual fund companies that may not be directly included in employer s plan Before investing in any mutual fund carefully read the prospectus(es) which contain information about investment objectives, risks, charges, expenses and other information all of which should be carefully considered before investing. For current prospectus(es) call (800)

12 Investment Options The PlanMember Services Program Symetra Flex Premium Plus Fixed Annuity Issued by Symetra Life Insurance Company of Bellevue, WA For investors desiring competitive interest crediting with a guarantee against the loss of principal 1 Provides built-in benefits of a guaranteed return of purchase payments, guaranteed lifetime income 1,2 and a nursing home and hospitalization waiver 3 Minimum interest rate of 2% during surrender period Bonus first-year interest credit of 2% on top of competitive base rate Free annual withdrawals of up to 10% of contract value per year Withdrawal charge of 6% in contract years one through four and 3% in years five through seven. No withdrawal charge after year seven. Can be used independently or in conjunction with other investment options in the PlanMember Model 403(b)Plan. 1. Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company,, th Avenue NE, Suite 1200, Bellevue, WA Their New York subsidiary issued their products for New York residents. 2. Other income options are also available. 3. Not available in all states.

13 T h e P o w e r o f M e m b e r s h i p A Time-Tested Approach to Retirement Investing Reducing Risk Through Portfolio Diversification Typical Public Retirement System Portfolio Typical Corporate Pension Plan Portfolio Sample PlanMember Services Portfolio 22% 11% 28% 20% 10% 30% 15% 5% 30% 39% 40% 50% Money Market Funds Fixed Income US Equity International Equity Alternative Investments These asset allocation portfolios are for illustration purposes only. They do not use any specific indices and are not available for direct investment. The public and corporate portfolios above are based on interviews with officials at 577 corporate and 234 public pension plans conducted by Greenwich Associates.

14 T h e P o w e r o f M e m b e r s h i p A Time-Tested Approach to Retirement Investing Avoiding the Common Mistakes Made By Individual Investors Buying investments after the market has made big gains Selling investments after the market has declined Overreacting to short-term market events Failing to adhere to a long-term investment strategy Taking on additional risk by not maintaining proper diversity

15 Becoming a PlanMember Complimentary Plan and Savings Analysis Available at no charge to all employees whose employer has adopted the PlanMember Services Program Provides an estimate of Social Security and/or state retirement system benefits Estimates savings totals necessary to reach retirement income goals Calculates payroll contribution amounts to meet long-term savings goals Recommends a suitable PlanMember Portfolio

16 Thank You Questions? Before investing in any mutual fund carefully read the prospectus(es) which contain information about investment objectives, risks, charges, expenses and other information all of which should be carefully considered before investing. For current prospectus(es) call (800) Investing involves risk. The investment return and principal value will fluctuate and, when redeemed, the investment may be worth more or less than the original purchase price. Mutual funds and money market funds are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market funds seek to preserve the value of $1 per share, it is possible to lose money by investing in these funds. Asset allocation or the use of an investment advisor cannot guarantee a profit or ensure against loss. Investment Advisory Services offered through PlanMember Securities Corporation, a registered investment advisor. Securities offered through PlanMember Securities Corporation, Member FINRA and SIPC. ClientPresent_Riata