LiveWell Plus Mutual Fund IRA

Transcription

1 LiveWell Plus Mutual Fund IRA Over 150 Mutual Funds From 25+ Fund Managers, Plus A 3% Account Bonus 19865M REV NOT FDIC/NCUA INSURED, MAY LOSE VALUE, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL AGENCY

2 Individual Retirement Account. Diverse Platform Of Investment Options. Plus A 3% Account Bonus 1, All In A Simple, Innovative, And Straightforward Solution. The LiveWell Plus Mutual Fund IRA Provides You With: More than 150 mutual funds from 25+ of the country s most popular fund managers in one convenient spot 3% Account Bonus for all contributions made within 6 months Best for those at least 6 years from retirement (6-year early withdrawal schedule) One low recordkeeping fee plus standard fund expenses No front-end charges No charge for Systematic Withdrawals No fees for automatic Required Minimum Distributions (RMDs) No charge to reallocate or rebalance assets 3 Optional features like Dollar Cost Averaging 4, Automatic Rebalancing, and Systematic Withdrawals available at no extra charge Dollar Cost Averaging and Automatic Rebalancing are not available together Multiple Alternative Investment Strategies See page 3 for a list of fees and expenses. Simple. One Easy-To-Manage IRA The LiveWell Plus Mutual Fund IRA (LiveWell Plus) gives you a simple way to set up and manage an individual retirement account. 2 Plus, you ll receive a 3% Account Bonus for all contributions made within six months of opening your account. Whether you re looking for an IRA rollover or consolidation option, LiveWell Plus can help you set more aside for your long-term retirement goals by potentially reducing fees for multiple IRAs and minimizing paperwork by tracking one statement. Create A Retirement Account That Fits Your Needs LiveWell Plus gives you the freedom to invest with a wide variety of well-known money managers and mutual funds. But instead of working with each on an individual basis, you save time by investing in one easy-to-manage IRA. This means you have the flexibility to tailor your portfolio to your risk tolerance and investment goals. From conservative bond funds, to growth-oriented equity funds, to funds with hedging opportunities, LiveWell Plus delivers a wide spectrum of investment options. Plus, you re not locked into any one investment strategy. If you decide to change your investment options along the way, simply update your allocations. There are no transaction fees or sales loads to worry about. The LiveWell Plus Mutual Fund IRA A Smart Retirement Solution When you change jobs or retire, you have choices to make with your retirement savings. In some cases, it may be beneficial to leave money in your current retirement plan. You may also consider rolling assets into a new employer plan, receiving installments or annuities (if available), cashing out your account value, or rolling assets into an IRA like the LiveWell Plus Mutual Fund IRA from Sammons Retirement Solutions. The LiveWell Plus Mutual Fund IRA is designed to save you time and money when it comes to retirement and planning solutions. 1 When you make a contribution, including a rollover contribution within six months of opening your IRA, Sammons Retirement Solutions Inc. will add an additional 3% based on the net contribution(s) (adjusted for any prior withdrawals) to your IRA ( Account Bonus ). The amount of the Account Bonus is calculated as a percentage of your net contribution(s). The Account Bonus becomes part of the IRA at the same time as the corresponding net contribution(s). 2 Statements regarding product simplicity are based on current research and comparison and do not completely compare all product features. If there are questions regarding this information, contact a representative from the applicable company. This data is for informational purposes and is not intended as a solicitation or a recommendation of any product. 3 Excessive Trading Policy: More than one round trip involving the same investment option within a 60-calendar-day period is considered excessive trading. Please review the Disclosure Statement & Custodial Account Agreement of the LiveWell Plus Mutual Fund IRA booklet. 4 Dollar Cost Averaging does not ensure profit or protect against loss in a declining market. Such a plan involves continuous investment in securities regardless of fluctuating price levels of such securities. Investors should consider their financial ability to continue purchases through periods of low price levels. 2

3 Innovative. Receive A 3% Account Bonus For All Contributions You Make Within Six Months Of Opening Your Account When you make contributions, including rollover contributions, within six months of opening your IRA, Sammons Retirement Solutions will credit an additional 3% of net contributions to your IRA. This innovative Account Bonus becomes part of your IRA when the contribution is made to your account. For example, let s say you open a LiveWell Plus Mutual Fund IRA with a $100,000 IRA rollover. An additional $3,000 will be added to your account immediately. Then, let s say you decide to make another contribution to your account three months later. This additional net contribution is also eligible for the 3% Account Bonus. The greater the amount you put in, the greater your 3% Account Bonus will be! Just remember that LiveWell Plus with the 3% Account Bonus has been designed for individuals with long-term investment horizons of six years or more. As a result, there is an Early Withdrawal Charge (EWC) 1 for taking early withdrawals or withdrawals that exceed certain limitations. 2 During the first six years of your IRA, you may take an annual EWC-free withdrawal of up to 10% of your Account Anniversary Value or your Required Minimum Distribution (RMD) amount, if greater, without being subject to an EWC. An EWC will apply to withdrawals in excess of the annual EWCfree amount, or RMD if greater. This includes withdrawals made by your beneficiary following your death. The EWC is eliminated six years after opening the IRA. More Than 150 Mutual Funds From 25+ Of The Most Popular Fund Managers Early Withdrawal Charge Schedule The EWC schedule that applies during the first six years of the IRA is as follows: Account Year Early Withdrawal Charge 6% 5% 4% 3% 2% 1% 0% You and your financial professional should work together to determine whether LiveWell Plus is a good fit for your investment goals and time horizon. Carefully weigh the pros and cons of the recordkeeping fees, account fees, and EWC before making a decision. Straightforward. One Affordable Recordkeeping Fee Plus Standard Fund Expenses With the LiveWell Plus Mutual Fund IRA, you can access some of the nation s most popular mutual funds with only a recordkeeping fee and standard fund expenses. 3 Total assets Annual Recordkeeping Fee Years 1-6 Years 7+ $100, % 0.40% Less than $100, % 0.50% 1 For six years after the IRA is opened, an Early Withdrawal Charge ( EWC ) will apply to withdrawals in excess of the annual EWC-free amount. See the LiveWell Plus Mutual Fund IRA Certificate of Disclosure for details. 2 A 10% tax penalty may apply if you are under age 59½. 3 Fund options and associated standard mutual fund fees are as of 5/31/2017. Standard mutual fund fees, ranging from 0.54%-2.67% net, also apply. 3

4 LiveWell Plus Mutual Fund IRA At A Glance LiveWell Plus Mutual Fund IRA brought to you by Sammons Retirement Solutions Inc Minimum Age For Opening An Account Type of Money 18+ Rollovers or transfers from qualified plans such as 401(k), 403(b), and governmental 457 plans. Traditional IRAs, SEP-IRAs, Roth IRAs, and Inherited IRAs. Minimum Initial Contribution $50,000 Minimum Additional Contributions $1,000; Additional contributions are only allowed during the first six months of opening your IRA and are eligible for the 3% Account Bonus. 3% Account Bonus When you make contributions, including rollover contributions, within six months of opening the IRA, Sammons Retirement Solutions will add an additional 3% of net contributions (adjusted for any withdrawals during the six-month period) to your IRA. The amount of the Account Bonus is calculated as a percentage of your net contribution(s) and becomes part of your IRA at the same time as the corresponding contribution(s). Early Withdrawal Charge (EWC) EWC-Free Withdrawals Fund Options An Early Withdrawal Charge (EWC) will be applied to withdrawals in excess of 10% of your Account Anniversary Value (or Required Minimum Distribution amount if greater) within six years of the Account Anniversary. The date your first contribution is received is known as your Account Anniversary. The EWC is eliminated six years after the Account Anniversary and applies to withdrawals by your beneficiary after your death. The EWC Schedule that applies during the first six years of the IRA is as follows: Account Year Early Withdrawal Charge 6% 5% 4% 3% 2% 1% 0% During the first six years of your IRA, you may take an annual EWC-free withdrawal of up to 10% of your Account Anniversary Value (or your Required Minimum Distribution amount if greater) without being subject to an EWC. The amount of this withdrawal is not cumulative and will apply to withdrawals upon death of the IRA owner. NOTE FOR FIRST-YEAR ACCOUNT HOLDERS: In the first Account Year, the EWC-free amount is calculated on all contributions received and includes the Account Bonus. In subsequent Account Years, the amount available without an EWC is calculated on your Account Anniversary Value. More than 150 mutual funds from 25+ fund managers. LiveWell Models 1 powered by Morningstar Investment Management LLC. Fees Total Assets $100,000+ Less than $100,000 Annual Recordkeeping Fee Years 1-6 Years % 0.40% 0.95% 0.50% Other Features Available One option may be elected Dollar Cost Averaging (DCA) 2 OR Automatic Rebalancing. Select quarterly, semi-annual, or annual mode. Monthly mode is also available for DCA. Fund options and associated standard mutual fund fees are as of 5/31/2017. Standard mutual fund fees, ranging from 0.54%-2.67% net, also apply. No withdrawal charges for EWC-free withdrawals. No front-end loads. No charge for reallocations or rebalancing. No transaction fees. No fees for automatic required minimum distributions. Reallocations and/or rebalancing are subject to the Excessive Trading Policy: More than one round trip involving the same investment option within a 60-calendar-day period is considered excessive trading. Please review the Disclosure Statement & Custodial Account Agreement of the LiveWell Plus Mutual Fund IRA booklet. 1 Asset Allocation (and/or diversification) does not ensure a profit or guarantee against loss; it is a method used to help manage risk. 2 Dollar Cost Averaging does not ensure profit or protect against loss in a declining market. Such a plan involves continuous investment in securities regardless of fluctuating price levels of such securities. Investors should consider their financial ability to continue purchases through periods of low price levels. 4

5 Brought To You By Sammons Retirement Solutions Sammons Retirement Solutions Inc. provides simple, innovative, and straightforward solutions that can help individual investors live well in retirement. These solutions include mutual fund IRAs and annuities. Headquartered in West Des Moines, Iowa, we work with a nationwide network of banks and broker/dealers to provide retirement solutions that meet the needs of financial advisers and their clients. We constantly review the market to ensure our solutions meet the ever-changing challenges faced by advisers and investors when planning for retirement. Our solutions give advisers and their clients clear-cut choices for financial planning. We apply original thinking to retirement planning, while ensuring that traditional values such as trust, transparency, and customer service are maintained at all times. So whether you re conservative or aggressive, and no matter what your retirement timeline looks like, Sammons Retirement Solutions provides solutions for your financial planning with the LiveWell Retirement Series. Sammons Retirement Solutions A Member of Sammons Financial Group Sammons Financial Group (SFG) is an insurance holding company with over $73 billion in assets. 1 SFG member companies offer a diverse portfolio of financial services, including life insurance, annuities, and securities. Sammons Financial Group is comprised of: Midland National Life Insurance Company Sammons Annuity Group (a division of Midland National) Sammons Financial Network LLC. North American Company for Life and Health Insurance Sammons Corporate Markets Group (a division of Midland National) Sammons Retirement Solutions Inc. The parent company, Sammons Enterprises, Inc., is a multifaceted, diversified international holding corporation that owns and operates businesses across a diverse range of industries. Headquartered in Dallas, Texas, Sammons Enterprises, Inc. ranks as one of the largest privately held companies in the United States. 2 Invest With Some Of The Most Popular Mutual Funds Managed By Some Of The Nation s Most Talented Fund Managers 1 Statutory Basis as of 12/31/ Ranked No. 86 on Forbes 2016 List of America s Largest Private Companies. The list includes 223 privately held companies with revenues of more than $2 billion. 5

6 LiveWell Models ACCUMULATION INCOME Conservative High Income Moderate Diversified Income Moderate Growth Growth Aggressive Growth INVESTMENT OPTION BY ASSET CLASS TICKER LARGE VALUE American Century AVURX BlackRock Equity Dividend A MDDVX Columbia Dividend Opportunity R RSOOX Columbia Select Large-Cap SLVRX Fidelity Advisor Value Strategies M FASPX Lord Abbett Fundamental Equity R3 LAVRX Pioneer Equity Income R PQIRX Power Dividend Index A PWDAX LARGE BLEND Calvert U.S. Large Cap Core Responsible Index A CSXAX ClearBridge Dividend Strategy R LMMRX Columbia Contrarian Core R CCCRX Fidelity Advisor Large Cap M FALGX Franklin Rising Dividends R FRDRX Oppenheimer Main Street R OMGNX PIMCO StocksPLUS R PSPRX LARGE GROWTH Alger Capital Appreciation Instl R ACARX American Century Disciplined ADRRX American Century Ultra R AULRX ClearBridge Aggressive LMPRX ClearBridge Large Cap LMPLX Fidelity Advisor New Insights M FNITX Franklin DynaTech R FDNRX Ivy Large Cap WLGRX Pioneer Fundamental PFGRX T. Rowe Price Blue Chip RRBGX T. Rowe Price Growth Stock R RRGSX MID VALUE Deutsche Mid Cap MIDQX Fidelity Advisor Leveraged Company Stock M FLSTX Janus Henderson Mid Cap JDPRX Lord Abbett Calibrated Mid Cap 3 LVMRX Prudential QMA Mid-Cap SDVRX Transamerica Small/Mid Cap Value A IIVAX MID BLEND Calvert Capital Accumulation A CCAFX ClearBridge Mid Cap R LMREX First Investors Opportunity A FIUSX MID GROWTH Eaton Vance Atlanta Capital SMID-Cap R ERSMX Fidelity Advisor Mid Cap II M FITIX Ivy Mid Cap WMGRX Oppenheimer Discovery Mid Cap SMALL VALUE Janus Henderson Small Cap Prudential QMA Small Cap Royce Opportunity R SMALL BLEND Fidelity Advisor Small Cap M Ivy Small Cap Core R Oppenheimer Main Street Small Cap R SMALL GROWTH ClearBridge Small Cap Ivy Small Cap Janus Henderson Triton R INTERNATIONAL LARGE Aberdeen International Equity R First Investors International A Ivy International Core Equity R Lord Abbett International Dividend Income R3 Oppenheimer International Diversified R Oppenheimer International Equity R Oppenheimer International OEGNX JDSRX TSVRX ROFRX FSCTX IYSMX OSCNX LMPOX WSGRX JGMRX GIRRX FIINX IYITX LIRRX OIDNX QIVNX OIGNX T. Rowe Price International Value Equity R RRIGX Templeton Foreign R Transamerica International Equity A INTERNATIONAL SMALL Aberdeen International Small Cap R BlackRock Global Small Cap A Oppenheimer International Small-Mid Company R WORLD STOCK Franklin Mutual European R Janus Henderson Global Research R Oppenheimer Global R Oppenheimer Global Opportunities R Oppenheimer Global EMERGING MARKETS Aberdeen China Opportunities R Aberdeen Emerging Markets R Templeton Developing Markets R Templeton Emerging Markets Small Cap R COMMODITIES/PRECIOUS METALS Oppenheimer Gold & Special Minerals R PIMCO Commodity Real Return Strategy R COMMUNICATIONS Fidelity Advisor Telecommunications M ENERGY/NATURAL RESOURCES Fidelity Advisor Materials M TEFRX TRWAX WPVAX MDGCX OSMNX FMURX JDWRX OGLNX OGINX GLVNX GOPRX GEMRX TDMRX FTESX OGMNX PCSRX FTUTX FMFTX 6

7 Ivy Energy R IYEFX Oppenheimer Global Multi-Alternatives R ODANX Ivy Natural Resources R IGNRX PIMCO Global Multi-Asset R PGMRX Prudential Jennison Natural Resources R JNRRX Transamerica Multi-Manager Alternative Strategies A IMUAX FINANCIAL SERVICES SHORT TERM BOND Prudential Financial Services R PSSRX Lord Abbett Short Duration Income R3 LDLRX HEALTH PIMCO Low Duration R PLDRX Eaton Vance Worldwide Health Science R ERHSX PIMCO Short-Term R PTSRX Fidelity Advisor Biotechnology M FBTTX Prudential Short-Term Corporate Bond R JDTRX REAL ESTATE INTERMEDIATE BOND Fidelity Advisor Real Estate M FHETX Janus Henderson Flexible Bond R JDFRX Prudential Global Real Estate R PURRX Lord Abbett Income R3 LAURX TECHNOLOGY Oppenheimer Core Bond R OPBNX Columbia Seligman Global Technology R SGTRX PIMCO Total Return R PTRRX Ivy Science & Technology R WSTRX Pioneer Bond R PBFRX UTILITIES Prudential Total Return Bond R DTBRX Franklin Utilities R FRURX Western Asset Core Plus Bond R WAPRX Prudential Jennison Utility R JDURX MULTISECTOR BOND BALANCED Eaton Vance Multi-Sector Income R EVBRX Columbia Income Builder R CBURX Fidelity Advisor Strategic Income M FSIAX Eaton Vance Balanced R ERIFX Lord Abbett Bond-Debenture R3 LBNRX Fidelity Advisor Strategic Div & Inc M FTSDX PIMCO Income R PONRX First Investors Total Return A FITRX Pioneer Strategic Income R STIRX Franklin Income R FISRX WORLD BOND Franklin Mutual Shares R TESRX Ivy Global Bond R IYGOX Ivy Balanced R IYBFX PIMCO Foreign Bond (USD-Hedged) R PFRRX Janus Henderson Balanced R JDBRX Templeton Global Bond R FGBRX Lord Abbett Multi-Asset Income R3 LIXRX Templeton Global Total Return R FRRGX Transamerica Multi-Managed Balanced A IBALX EMERGING MARKETS BOND RISK BASED ALLOCATION Columbia Emerging Markets Bond R CMBRX Fidelity Advisor Asset Manager 85% M FEYTX HIGH YIELD BOND Fidelity Advisor Asset Manager 70% M FTASX Columbia High Yield Bond R CHBRX Fidelity Advisor Asset Manager 50% M FFTMX Ivy High Income R IYHIX Fidelity Advisor Asset Manager 30% M FTTNX Lord Abbett High Yield R3 LHYRX TARGET DATE ALLOCATION PIMCO High Yield R PHYRX American Century One Choice 2020 R ARBRX Power Income A PWRAX American Century One Choice 2030 R ARCRX INFLATION PROTECTION American Century One Choice 2040 R ARDRX American Century Inflation-Adjusted Bond R AIARX American Century One Choice 2050 R ARFWX PIMCO Real Return R PRRRX American Century One Choice in Retirement R ARSRX BANK LOAN WORLD ALLOCATION Lord Abbett Floating Rate R3 LRRRX BlackRock Global Allocation A MDLOX Oppenheimer Senior Floating Rate R OOSNX Franklin Mutual Quest R FMQSX GOVERNMENT BOND PIMCO All Asset R PATRX American Century Ginnie Mae R AGMWX TACTICAL Columbia US Government Mortgage R CUGUX Aberdeen Diversified Alternatives R GASRX Eaton Vance Government Obligations R ERGOX Aberdeen Equity Long-Short R GLSRX CONVERTIBLE BOND AC Alternatives Equity Market Neutral R ALIRX Lord Abbett Convertible R3 LCFRX ALPS Red Rocks Listed Private Equity R LPERX NONTRADITIONAL BOND Deutsche Real Assets R AAAQX Janus Henderson Global Unconstrained Bond R JUCRX First Investors Covered Call Strat A FRCCX PIMCO Unconstrained Bond R PUBRX 7

8 INVESTMENT OPTION BY FUND FAMILY TICKER Aberdeen China Opportunities R Aberdeen Diversified Alternatives R Aberdeen Emerging Markets R Aberdeen Equity Long-Short R Aberdeen International Small Cap R GOPRX GASRX GEMRX GLSRX WPVAX Eaton Vance Atlanta Capital SMID-Cap R Eaton Vance Balanced R Eaton Vance Government Obligations R Eaton Vance Multi-Sector Income R Eaton Vance Worldwide Health Science R ERSMX ERIFX ERGOX EVBRX ERHSX Aberdeen International Equity R GIRRX Fidelity Advisor Asset Manager 30% M FTTNX Alger Capital Appreciation Instl R ACARX Fidelity Advisor Asset Manager 50% M Fidelity Advisor Asset Manager 70% M FFTMX FTASX Fidelity Advisor Asset Manager 85% M FEYTX ALPS Red Rocks Listed Private Equity R LPERX Fidelity Advisor Biotechnology M Fidelity Advisor Large Cap M FBTTX FALGX Fidelity Advisor Leveraged Company Stock M FLSTX AC Alternatives Equity Market Neutral R American Century Disciplined American Century Ginnie Mae R American Century Inflation-Adjusted Bond R American Century One Choice 2020 R American Century One Choice 2030 R American Century One Choice 2040 R American Century One Choice 2050 R American Century One Choice in Retirement R ALIRX ADRRX AGMWX AIARX ARBRX ARCRX ARDRX ARFWX ARSRX Fidelity Advisor Materials M Fidelity Advisor Mid Cap II M Fidelity Advisor New Insights M Fidelity Advisor Real Estate M Fidelity Advisor Small Cap M Fidelity Advisor Strategic Div & Inc M Fidelity Advisor Strategic Income M Fidelity Advisor Telecommunications M Fidelity Advisor Value Strategies M FMFTX FITIX FNITX FHETX FSCTX FTSDX FSIAX FTUTX FASPX American Century Ultra R AULRX American Century AVURX First Investors Covered Call Strat A FRCCX BlackRock Equity Dividend A BlackRock Global Allocation A BlackRock Global Small Cap A MDDVX MDLOX MDGCX First Investors International A First Investors Opportunity A First Investors Total Return A FIINX FIUSX FITRX Calvert Capital Accumulation A Calvert U.S. Large Cap Core Responsible Index A CCAFX CSXAX Franklin DynaTech R Franklin Income R Franklin Mutual European R FDNRX FISRX FMURX Franklin Mutual Quest R FMQSX Columbia Contrarian Core R Columbia Dividend Opportunity R Columbia Emerging Markets Bond R Columbia High Yield Bond R Columbia Income Builder R Columbia Select Large-Cap Columbia Seligman Global Technology R Columbia US Government Mortgage R CCCRX RSOOX CMBRX CHBRX CBURX SLVRX SGTRX CUGUX Franklin Mutual Shares R Franklin Rising Dividends R Franklin Utilities R Templeton Developing Markets R Templeton Emerging Markets Small Cap R Templeton Foreign R Templeton Global Bond R Templeton Global Total Return R TESRX FRDRX FRURX TDMRX FTESX TEFRX FGBRX FRRGX Deutsche Mid Cap Deutsche Real Assets R MIDQX AAAQX Ivy Balanced R Ivy Energy R Ivy Global Bond R IYBFX IYEFX IYGOX 8

9 Ivy High Income R IYHIX Oppenheimer Main Street R OMGNX Ivy International Core Equity R IYITX Oppenheimer Main Street Small Cap R OSCNX Ivy Large Cap WLGRX Oppenheimer Senior Floating Rate R OOSNX Ivy Mid Cap WMGRX Ivy Natural Resources R Ivy Science & Technology R Ivy Small Cap Core R Ivy Small Cap IGNRX WSTRX IYSMX WSGRX PIMCO All Asset R PIMCO Commodity Real Return Strategy R PIMCO Foreign Bond (USD-Hedged) R PIMCO Global Multi-Asset R PATRX PCSRX PFRRX PGMRX PIMCO High Yield R PHYRX Janus Henderson Balanced R Janus Henderson Flexible Bond R Janus Henderson Global Research R Janus Henderson Global Unconstrained Bond R Janus Henderson Mid Cap Janus Henderson Small Cap Janus Henderson Triton R JDBRX JDFRX JDWRX JUCRX JDPRX JDSRX JGMRX PIMCO Income R PIMCO Low Duration R PIMCO Real Return R PIMCO Short-Term R PIMCO StocksPLUS R PIMCO Total Return R PIMCO Unconstrained Bond R PONRX PLDRX PRRRX PTSRX PSPRX PTRRX PUBRX ClearBridge Aggressive ClearBridge Dividend Strategy R ClearBridge Large Cap ClearBridge Mid Cap R ClearBridge Small Cap Western Asset Core Plus Bond R Lord Abbett Bond-Debenture R3 Lord Abbett Calibrated Mid Cap 3 Lord Abbett Convertible R3 Lord Abbett Floating Rate R3 Lord Abbett Fundamental Equity R3 Lord Abbett High Yield R3 Lord Abbett Income R3 Lord Abbett International Dividend Income R3 Lord Abbett Multi-Asset Income R3 Lord Abbett Short Duration Income R3 Oppenheimer Core Bond R Oppenheimer Discovery Mid Cap Oppenheimer Global R Oppenheimer Global Multi-Alternatives R Oppenheimer Global Opportunities R Oppenheimer Global Oppenheimer Gold & Special Minerals R Oppenheimer International Diversified R Oppenheimer International Equity R Oppenheimer International Oppenheimer International Small-Mid Company R LMPRX LMMRX LMPLX LMREX LMPOX WAPRX LBNRX LVMRX LCFRX LRRRX LAVRX LHYRX LAURX LIRRX LIXRX LDLRX OPBNX OEGNX OGLNX ODANX OGINX GLVNX OGMNX OIDNX QIVNX OIGNX OSMNX Pioneer Bond R PBFRX Pioneer Equity Income R PQIRX Pioneer Fundamental PFGRX Pioneer Strategic Income R STIRX Prudential Financial Services R PSSRX Prudential Global Real Estate R PURRX Prudential Jennison Natural Resources R JNRRX Prudential Jennison Utility R JDURX Prudential QMA Mid-Cap SDVRX Prudential QMA Small Cap TSVRX Prudential Short-Term Corporate Bond R JDTRX Prudential Total Return Bond R DTBRX Royce Opportunity R ROFRX T. Rowe Price Blue Chip RRBGX T. Rowe Price Growth Stock R RRGSX T. Rowe Price International Value Equity R RRIGX Transamerica International Equity A TRWAX Transamerica Multi-Manager Alternative Strategies A IMUAX Transamerica Multi-Managed Balanced A IBALX Transamerica Small/Mid Cap Value A IIVAX Power Dividend Index A PWDAX Power Income A PWRAX 9

10 LiveWell Models LESS RISK SHORTER INVESTMENT TIME HORIZON LESS VOLATILE MORE RISK LONGER INVESTMENT TIME HORIZON MORE VOLATILE CONSERVATIVE MODERATE MODERATE GROWTH GROWTH AGGRESSIVE GROWTH ASSET-CLASS BREAKDOWN ASSET-CLASS BREAKDOWN ASSET-CLASS BREAKDOWN ASSET-CLASS BREAKDOWN ASSET-CLASS BREAKDOWN Fixed Income: 80% Equity: 20% Fixed Income: 60% Equity: 40% Fixed Income: 40% Equity: 60% Fixed Income: 20% Equity: 80% Fixed Income: 5% Equity: 95% 28.0% Western Asset Core Plus Bond R 23.0% Western Asset Core Plus Bond R 17.0% Western Asset Core Plus Bond R 16.0% American Century 19.0% American Century 17.0% Pioneer Bond R 13.0% Pioneer Bond R 13.0% American Century 13.0% Aberdeen Emerging Markets R 14.0% Aberdeen Emerging Markets R 12.0% PIMCO Short-Term R 10.0% American Century 11.0% Pioneer Bond R 10.0% Western Asset Core Plus Bond R 11.0% ClearBridge Large Cap 11.0% Lord Abbett Short Duration Income R3 10.0% ClearBridge Large Cap 8.0% Aberdeen Emerging Markets R 9.0% ClearBridge Large Cap 10.0% First Investors Opportunity A 7.0% Templeton Global Bond R 10.0% Templeton Foreign R 8.0% Templeton Foreign R 8.0% T. Rowe Price Blue Chip 10.0% T. Rowe Price Blue Chip 5.0% American Century 9.0% Lord Abbett Short Duration Income R3 7.0% ClearBridge Large Cap 7.0% First Investors Opportunity A 8.0% Templeton Foreign R 5.0% ClearBridge Large Cap 7.0% PIMCO Short-Term R 6.0% Oppenheimer International 7.0% Pioneer Bond R 7.0% Eaton Vance Atlanta Capital SMID-Cap R 5.0% PIMCO Real Return R 4.0% Aberdeen Emerging Markets R 6.0% T. Rowe Price Blue Chip 6.0% Eaton Vance Atlanta Capital SMID-Cap R 7.0% Ivy International Core Equity R 5.0% Templeton Foreign R 4.0% First Investors Opportunity A 5.0% First Investors Opportunity A 6.0% Ivy International Core Equity R 7.0% Oppenheimer International 3.0% First Investors Opportunity A 4.0% PIMCO Real Return R 5.0% Lord Abbett Short Duration Income R3 6.0% Oppenheimer International 4.0% Deutsche Mid Cap 2.0% Aberdeen Emerging Markets R 3.0% Eaton Vance Atlanta Capital SMID-Cap R 4.0% Eaton Vance Atlanta Capital SMID-Cap R 6.0% Templeton Foreign R 3.0% Western Asset Core Plus Bond R 3.0% Templeton Global Bond R 3.0% Deutsche Mid Cap 4.0% Deutsche Mid Cap 3.0% PIMCO Short-Term R 2.0% Templeton Global Bond R 2.0% PIMCO Real Return R 2.0% Templeton Global Bond R Asset allocation (and/or diversification) does not ensure a profit or guarantee against loss; it is a method to help manage risk M REV 08-17

11 LiveWell Models HIGHER INCOME POTENTIAL LESS VOLATILE LOWER INCOME POTENTIAL MORE VOLATILE WITH HIGHER TOTAL RETURN POTENTIAL HIGH INCOME ASSET-CLASS BREAKDOWN DIVERSIFIED INCOME ASSET-CLASS BREAKDOWN Fixed Income: 84% Equity: 16% Fixed Income: 64% Equity: 36% 20.0% Western Asset Core Plus Bond R 18.0% ClearBridge Dividend Strategy R 12.0% PIMCO Income R 15.0% PIMCO Income R 11.0% ClearBridge Dividend Strategy R 10.0% Western Asset Core Plus Bond R 10.0% Franklin Income R 9.0% T. Rowe Price International Value Equity R 8.0% Pioneer Strategic Income R 7.0% Templeton Global Bond R 7.0% Templeton Global Bond R 6.0% Franklin Income R 6.0% Lord Abbett Short Duration Income R3 5.0% Lord Abbett Floating Rate R3 5.0% Lord Abbett Floating Rate R3 5.0% Lord Abbett Short Duration Income R3 5.0% Lord Abbett High Yield R3 5.0% PIMCO Real Return R 4.0% PIMCO Short-Term R 5.0% Pioneer Strategic Income R 4.0% T. Rowe Price International Value Equity R 3.0% Aberdeen Emerging Markets R 3.0% PIMCO Foreign Bond (USD-Hedged) R 3.0% Deutsche Mid Cap 3.0% PIMCO Real Return R 3.0% Janus Henderson Small Cap 2.0% Aberdeen Emerging Markets R 3.0% Lord Abbett High Yield R3 3.0% PIMCO Short-Term R Asset allocation (and/or diversification) does not ensure a profit or guarantee against loss; it is a method to help manage risk M REV

12 If you have questions or want additional information, please contact Sammons Retirement Solutions at or go online to If you re a financial professional and are interested in more details about the LiveWell Plus Mutual Fund IRA, please call the Sammons Retirement Solutions Sales Desk at Before making any rollover decisions, you must carefully consider all available retirement plan options including leaving the money in the current plan (which may be beneficial in certain circumstances), rolling the money to the new employer s plan, installment and annuity payments (if available) and IRA rollovers. The key factors for the decision include: 1) investment options, 2) fees and expenses (including both investment options and account-related fees and expenses), 3) differing service levels available, 4) withdrawal penalties, 5) creditor and legal protections, 6) required minimum distributions, 7) employer stock, 8) income needs, and 9) tax impact and penalties. Tax consequences will vary and you should consult with a tax or legal adviser. Investing in mutual funds involves risk, including potential loss of investment. You should consider the fund s investment objectives, risks, charges, and expenses carefully before investing. The prospectus and/or summary prospectus contain this and other information. You may contact your financial professional or call to obtain a current fund prospectus. Please read it carefully. You should also consider the expenses of the IRA program before investing. You must receive a fund prospectus and the LiveWell Mutual Fund IRA disclosure form before investing. IRAs are considered a long-term investment. Withdrawals from a Traditional or SEP-IRA are generally subject to income taxes, and if taken before age 59½, may be subject to an additional 10% IRS tax penalty. Withdrawals from a Roth IRA are generally not subject to income tax provided certain requirements are met. Information on Traditional, Roth, and SEP-IRAs is available in the LiveWell Mutual Fund IRA disclosure. Sammons Retirement Solutions Inc. does not give tax, legal, or investment advice. Please consult with and rely upon your own tax, legal, or investment adviser(s). Securities distributed by Sammons Financial Network LLC, member FINRA. Sammons Retirement Solutions Inc. provides administrative services. Sammons Financial Network LLC and Sammons Retirement Solutions are affiliated companies and indirect wholly owned subsidiaries of Sammons Enterprises, Inc. of Dallas, Texas. UMB Bank n.a. is the custodian for the LiveWell Plus Mutual Fund IRA program. The mutual funds offered through the LiveWell Plus Mutual Fund IRA are made available through Sammons Financial Network LLC, member FINRA, 4546 Corporate Drive, Suite 100, West Des Moines, IA Information about the LiveWell Plus Mutual Fund IRA and the funds can be obtained by calling Sammons Retirement Solutions and Sammons Financial Network LLC, member FINRA are affiliated companies and are not affiliated with UMB Bank n.a. For six years after the IRA is opened, an Early Withdrawal Charge ( EWC ) will apply to withdrawals in excess of the annual EWC-free amount. See the LiveWell Plus Mutual Fund IRA Certificate of Disclosure for details. Morningstar Investment Management LLC is a registered investment adviser and subsidiary of Morningstar, Inc. Morningstar Investment Management provides nondiscretionary consulting services to Sammons Retirement Solutions Inc. (SRS) but is not acting in the capacity of adviser to individual investors. Morningstar Investment Management provides recommendations to SRS regarding asset allocation targets, for certain LiveWell products/programs, which are subject to change without notice. Morningstar Investment Management establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Investment Management is not affiliated with SRS. NOT FDIC/NCUA INSURED, MAY LOSE VALUE INCLUDING LOSS OF PRINCIPAL, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. SAMMONS RETIREMENT SOLUTIONS INC. Customer Service Center SW 6th Avenue Topeka, Kansas M REV 08-17