World Institute on Disability Consumer Financial Protection Bureau July 8, 2016
|
|
- Jayson Briggs
- 5 years ago
- Views:
Transcription
1 World Institute on Disability Consumer Financial Protection Bureau July 8, 2016
2 What We Heard Met with organizations, legal representatives and individuals in Nebraska and nationally to discuss needs and expectations for an ABLE savings plan. Discussed range of accessibility and design issues as well as investment and banking needs. Persons with disabilities have hopes and dreams just like any other sibling, friend or family member. The goal of an ABLE plan is to create financial independence to help account owners become an integral part of their community and as self-sufficient as possible. Parents and grandparents should have an easy way to give monetary gifts to all their children and grandchildren. Parents want the security of knowing that when they pass, their child, no matter what age, will have financial resources.
3 Designed with the Community The Enable Savings Plan was designed with the disability community, not for the disability community. We did not assume we knew what the community wanted or needed. Based on their feedback, our mission became to develop a plan: That could be understood and used by a broad-range of individuals with disabilities and their legal representatives with minimal paperwork; That was low cost and flexible to appeal to individuals with varying investment goals and time horizons; Provided educational resources including financial literacy tools; and Encourage both formal and grassroots, social media efforts to keep account owners and the disability community informed and educated.
4 Features
5 Open an Account Online or, if preferred, by completing a paper Enrollment Form Disability Type and Disability Code are self-certified at enrollment Authorized to Act features include: Parents and guardians of an account owner for a minor Authorized representatives (such as those with power of attorney, Conservators and Guardians) opening and managing an account on behalf of the account owner Understanding the importance of videos, How To videos are included on the site. At launch there is a How to Open an Account video.
6 Home Page Most important information in the simple navigation pane at the top of the page Links within boxes in the middle of the page to important topics which can be swapped out as other important topics are surfaced Easy way to become part of our list Link to our hallmark video
7 Enroll Online Six steps with visuals to know which step you are currently in Tips on the page to give additional information to help complete the process The system will pre-fill information as applicable
8 Invest Five Investment Options. Account owners or their representatives can choose which one meets their personal needs based on their time horizon, personal situation and savings goals. Investments are not FDIC Insured* No Bank, State or Federal Guarantee May Lose Value * Except the Bank Savings and Checking Account Investment Options
9 Three Target-Risk Investment Options (5 10 years+ time horizon) Growth Option Investment goal is for growth and some income 56% Domestic Equity 24% International Equity 20% Fixed Income Moderate Option Investment goal is a balance of growth and income 42% Domestic Equity 18% International Equity 35% Fixed Income 5% Cash Equivalent Conservative Option Investment goal is for current income and some growth 21% Domestic Equity 9% International Equity 55% Fixed Income 15% Cash Equivalent
10 FDIC-Insure Investment Options Bank Savings Option (3-5 year time horizon) This Investment Option offers a guaranteed return of investment and the stability of principal that is FDIC-insured. This option may be appropriate for those who want the security of a safe investment. (At launch 1.00% APY) Checking Account Option (short time horizon Launching fall 2016) The FDIC-insured checking account offers check writing and a debit card to pay for daily and repetitive qualified expenses. Limits to withdrawals are imposed. Contributions to and earnings on investments in the Bank Savings and Checking Account Options are insured by the FDIC on a per participant, pass-through basis to each account owner up to the maximum limit established by federal law, which is currently $250,000.
11 Contribute Methods: By check Pre-scheduled automatic transfers from a bank account One-time contribution from bank account Payroll deduction through direct deposit Online gift certificates for friends and family $14,000 annual contribution limit and a maximum account balance limit of $360,000 Notification when balance nears SSI impact limit of $100,000
12 Withdraw Funds withdrawn from Target-Risk and Bank Savings Option: Check to account owner or designated third party ACH directly to owner s bank account Systematic withdrawal plan (e.g. to pay for rent on a specific day of the month) Checking Account Write a check Use a debit card Help individuals become more financially independent by having their own checking account and debit card like their peers
13 Manage Fully ADA-compliant website Public facing website features Blogs Educational materials and financial literacy tools Learning tools through videos Online gift certificates for contributions by others Secure account access View balances, statements, confirmations Account maintenance such as changing address Contribute and withdraw Customer Care Center 8:00 a.m. to 8:00 p.m. CT with Voice Response System and TRS capabilities. Facebook and social media sharing
14 Sample Financial Literacy and Education
15 Are You Enable Ready? Beginning of financial literacy series, this page is begins the thought process about how to get ready to have an Enable Savings Plan account. What do you want to save for? How much should you save? Make a plan to save Start saving
16 Enable U Enable U within our resource section provides printable pages describing specific topics of interest. We currently have: Enable and Special Needs Trusts Enable and Inheritances or Settlements Conservator v. Guardians and Enable Grandparents and Enable Enable and SSI/SSDI Representative Payees Enable Your Clients
17 Marketing and Outreach
18 Nebraska-Wide Short List DHHS Disability Services and Medicaid Ollie-Webb Center as consultant Arc of Nebraska and all of their offices Special Olympics Commission for the Deaf and Hard of Hearing Commission for Blind and Visually Impaired Consortium of Citizens with Disabilities Nebraska Down Syndrome Society Vocational Rehab Groups Nebraska Bar Association Easter Seals Veterans Task Force ESU (in schools) Salt Dogs Homers Heroes All Pay League Efforts include: Pre-launch train the trainer Client forums Presence at their events Sponsorships Continuous outreach through onsite meetings, s, sharing of information to disseminate to their constituents, Facebook, blogs
19 National National Down Syndrome Society NDI The Arc of the United States TASH Autism Speaks Member of United States Access Board CFPB Efforts include: One-on-one meetings with leadership team Continuous conversations and information exchange Sponsoring national and leadership conferences Sharing of marketing materials, information, press releases, updates to distribute to their constituents, Facebook and blogs
20 Enable Savings Plan Legal Structure Authority: Nebraska s ABLE Act signed into law May 28, 2015 Issuer: Trustee: Investment Manager: Distributor: Program Manager: The Nebraska Achieving A Better Life Experience Program Trust Don Stenberg, Nebraska State Treasurer Nebraska Investment Council First National Capital Markets, Inc. Member FINRA, SIPC First National Bank of Omaha First National Capital Markets and First National Bank of Omaha are affiliates.
21 Questions? Deborah Goodkin, Managing Director
Enable Savings Plan PRESENTATION SUBTITLE HERE
Enable Savings Plan PRESENTATION SUBTITLE HERE Monday, March 7, 2016 October 2016 1 What is ABLE: an Overview Achieving a Better Life Experience (ABLE) Act Became federal law in December 2014 Authorized
More informationWhy Invest in the Enable Checking Option?
Why Invest in the Enable Checking Option? The Enable Checking Investment Option1, within your Enable Alabama account, allows you to not only save for the future but also to set aside money for everyday
More informationWhy Invest in the Enable Checking Option?
Why Invest in the Enable Checking Option? The Enable Checking Investment Option1, within your Enable Savings Plan account, allows you to not only save for the future but also to set aside money for everyday
More informationOKLAHOMA S ABLE PLAN. okstable.org
OKLAHOMA S ABLE PLAN okstable.org WHAT IS ABLE? ABLE Act of 2014 created savings and investment accounts for individuals with disabilities ABLE Accounts do not affect eligibility for benefits programs
More informationWHAT IS ABLE? Medicaid SSI. ABLE Accounts do not affect eligibility for benefits programs
WHAT IS ABLE? ABLE Act of 2014 created savings and investment accounts for individuals with disabilities ABLE Accounts do not affect eligibility for benefits programs SSI Medicaid WHAT IS ABLE? ABLE Accounts
More informationOHIO S ABLE PLAN. stableaccount.com
OHIO S ABLE PLAN stableaccount.com WHAT IS ABLE? ABLE Act of 2014 created savings and investment accounts for individuals with disabilities ABLE Accounts do not affect eligibility for benefits programs
More informationHow can I or my family member qualify for an ABLE account?
ABLE Fact Sheet Top ABLE Account Questions How can I or my family member qualify for an ABLE account? First, the individual s disability must have occurred before age 26. Second, the individual must essentially
More informationtogether The goals of your children. The guidance of your Advisor. The benefits of a NEST 529 Advisor Plan.
together The goals of your children. The guidance of your Advisor. The benefits of a NEST 529 Advisor Plan. Think of all you invest in a child. Time. Care. Love. And now... an education. As far away as
More informationWHAT ARE THE BENEFITS OF ABLE?
ABLE Act of 2014 created savings and investment accounts for individuals with disabilities WHAT IS ABLE? Creates tax-advantaged investment accounts for individuals with disabilities Assets in your account
More informationProgram Disclosure Statement and Participation Agreement. February 26, 2017
Program Disclosure Statement and Participation Agreement February 26, 2017 Use of this Program Disclosure Statement This Program Disclosure Statement is for use by individuals opening accounts in, and
More informationPlan Disclosure Booklet
Plan Disclosure Booklet Administration and Trustee: The Oregon 529 Savings Board October 26, 2017 Amounts invested under the Oregon ABLE Savings Plan are not guaranteed or insured by the State of Oregon,
More informationPlan Disclosure Booklet. Administration and Trustee: The Oregon 529 Savings Board
Plan Disclosure Booklet Administration and Trustee: The Oregon 529 Savings Board March 20, 2018 Amounts invested under the ABLE for ALL Savings Plan are not guaranteed or insured by the State of Oregon,
More informationImportant Information about your State Farm 529 Savings Plan Account.
State Farm 529 Savings Plan If assets are not used for qualified expenses, the earnings portion of the withdrawal is subject to federal income tax and an additional 10% federal tax and may be subject to
More informationTo all your abilities, now add the ability to save.
To all your abilities, now add the ability to save. To all of your abilities, now add the ability to save. The Achieving a Better Life Experience Act (ABLE) of 2014 allows individuals with disabilities
More informationABLE United Account Basics
ABLE United Account Basics Florida s Qualified ABLE Program Presented by: Emily Read How to: Ask Questions ABLE Accounts What is ABLE? Achieving a Better Life Experience. o The Stephen Beck, Jr. Achieving
More informationPlease file this Supplement to the Enable Savings Plan Program Disclosure Statement with your records
Please file this Supplement to the Enable Savings Plan Program Disclosure Statement with your records ENABLE SAVINGS PLAN PROGRAM DISCLOSURE STATEMENT DATED AUGUST 27, 2017 SUPPLEMENT NUMBER ONE This Supplement
More informationEducation With a Home State Advantage. The Advisor Sold College Savings Plan For Connecticut Residents
Education With a Home State Advantage The Advisor Sold College Savings Plan For Connecticut Residents CHET Advisor is administered by the Treasurer of the State of Connecticut as the trustee of the Connecticut
More informationTHE MISSISSIPPI AFFORDABLE COLLEGE SAVINGS PROGRAM
THE WAY TO GO GO THE MISSISSIPPI AFFORDABLE COLLEGE SAVINGS PROGRAM MACS is a program of College Savings Mississippi, and is administered by the Office of the State Treasurer, Lynn Fitch. THE MISSISSIPPI
More informationOhio s ABLE Plan. stableaccount.com
Ohio s ABLE Plan stableaccount.com What is ABLE? Federal legislation passed 2014 Creates tax-advantaged investment accounts for individuals with disabilities Assets in your account do not affect eligibility
More informationArizona s ABLE Plan. az-able.com
Arizona s ABLE Plan az-able.com What is ABLE? Federal legislation passed 2014 Creates tax-advantaged investment accounts for individuals with disabilities Assets in your account do not affect eligibility
More informationSTABLE Account 529A Savings Plan. Plan Disclosure Statement and Participation Agreement December 9, 2016
STABLE Account 529A Savings Plan Plan Disclosure Statement and Participation Agreement December 9, 2016 Accounts in the State Treasury Achieving a Better Life Experience ( STABLE ) Account Plan are not
More informationBarry Jamieson, Associate Planner, CMP Financial Planning July, 2016
HOW ABLE ACCOUNTS FIT INTO YOUR ESTATE PLANNING NEEDS Barry Jamieson, Associate Planner, CMP Financial Planning July, 2016 What Are ABLE Accounts Who Qualifies What Expenses Qualify How Do ABLE Accounts
More informationILLINOIS 529 COLLEGE SAVINGS PLAN
ILLINOIS 529 COLLEGE SAVINGS PLAN Your children deserve an opportunity for higher education, and you can help them achieve it. Whether your kids are learning to walk or are in their teenage years, it
More informationSpecial Needs Financial Planning ABLE Accounts
Special Needs Financial Planning ABLE Accounts What can ABLE Accomplish? Copyright The Arc Wisconsin, Kathleen Oberneder & Barbara S. Hughes March 2018 Securities and Advisory Services offered through
More informationReceiving Required Minimum Distributions. Making it simple with TIAA
Receiving Required Minimum Distributions Making it simple with TIAA Required Minimum Distributions what you need to know What are Required Minimum Distributions? 1 How can you receive minimum distributions
More informationMonthly Information Package April 2017 AS TAX DAY APPROACHES, GET YOUR BENEFIT STATEMENT ONLINE. 2
Monthly Information Package April 2017 Columns & Features AS TAX DAY APPROACHES, GET YOUR BENEFIT STATEMENT ONLINE. 2 SOCIAL SECURITY IN PLAIN LANGUAGE IT FEELS GOOD TO BE UNDERSTOOD.. 4 SEE ALL TYPES
More informationSomething. when you begin a
special Something happens when you begin a NEST 529 Advisor College Savings Plan. ENROLLMENT MATERIALS CONTENTS The Importance of Saving for College NEST 529 Advisor Plan Features Affordable Tax Advantages
More informationABLE United Deeper Dive into ABLE Accounts. John Finch Director ABLE United Florida Prepaid College Board
ABLE United Deeper Dive into ABLE Accounts John Finch Director ABLE United Florida Prepaid College Board Objectives Achieving a Better Life Experience. Overview of ABLE Act ABLE United Specifics Distinctions
More informationChoices Today for a Brighter Tomorrow. COLLEGE SAVINGS PROGRAM
Choices Today for a Brighter Tomorrow. COLLEGE SAVINGS PROGRAM A Lifetime of Learning Starts Now. As your children grow, it is critical to take the steps necessary to help them succeed as adults. That
More informationSUPPLEMENT DATED JANUARY 2018 TO THE NEW YORK ABLE SAVINGS PROGRAM DISCLOSURE BOOKLET AND PARTICIPATION AGREEMENT DATED AUGUST 2017
SUPPLEMENT DATED JANUARY 2018 TO THE NEW YORK ABLE SAVINGS PROGRAM DISCLOSURE BOOKLET AND PARTICIPATION AGREEMENT DATED AUGUST 2017 This Supplement describes important changes and amends the Disclosure
More informationNATIONAL ABLE ALLIANCE. INvestABLE Indiana
NATIONAL ABLE ALLIANCE INvestABLE Indiana Member Plan Addendum July 2017 IMPORTANT NOTICE: This Member Plan Addendum should be read in conjunction with the Plan Disclosure Statement for the National ABLE
More informationNATIONAL ABLE ALLIANCE
NC ABLE National ABLE Alliance Member NATIONAL ABLE ALLIANCE NC ABLE Member Plan Addendum March 2017 IMPORTANT NOTICE: This Member Plan Addendum should be read in conjunction with the Plan Disclosure Statement
More informationConnecticut Higher Education Trust (CHET) Connecticut s 529 College Savings Plan
Connecticut Higher Education Trust (CHET) Connecticut s 529 College Savings Plan ENROLLMENT KIT Denise L. Nappier Treasurer Overview of CHET 2 How CHET works 3 4 Tax advantages 5 Special CHET programs
More informationEnrollment Application
LONESTAR 529 PLAN Enrollment Application INSTRUCTIONS Print clearly in all CAPITAL LETTERS using blue or black ink. When requested, please color in circles completely. For example: not not Complete this
More informationHow to go from here. to there. Enrollment Materials.
How to go from here Enrollment Materials to there. 2 What you might need. Public Colleges One-Year $50,000 $40,000 $30,000 $20,000 $10,000 $0 $16,140 2010 11 $44,645 2028 Private One-Year Not-for-Profit
More informationTomorrow s Scholar 529 Plan
Tomorrow s Scholar 529 Plan Investor Guide... connecting to the future Investment options customizable to your needs A flexible and tax-advantaged way to save for college Potential advantages over other
More informationLoneStar 529 Plan. Imagine the Possibilities
LoneStar 529 Plan Imagine the Possibilities Table of Contents Big Dreams Take Smart Planning...1 The Potential Benefits of the LoneStar 529 Plan...2 Tailored Investments from Industry Leaders...5 Compare
More informationProgram Disclosure Booklet. Administration and Trustee: The Maryland 529 Board
Program Disclosure Booklet Administration and Trustee: The Maryland 529 Board November 27, 2017 Investing in the Maryland ABLE program is an important decision. Please read the Program Disclosure Booklet
More information6/21/17. Life Advantages, LLC
Life Advantages, LLC Attorneys John F. Kearns III & Rebecca A. Hajosy Kearns & Kearns PC 1121 New Britain Ave West Hartford, CT 06110 (860) 233-1281 www.kearnsandkearns.com Kearns & Kearns PC helps our
More informationEnrollment Application
TEXAS COLLEGE SAVINGS PLAN Enrollment Application Instructions Print clearly in all CAPITAL LETTERS using blue or black ink. When requested, please color in circles completely. For example: not not Complete
More informationThe Schwab 529 Education Savings Plan. Rely on Schwab s expertise to help you plan for future education expenses.
The Schwab 529 Education Savings Plan Rely on Schwab s expertise to help you plan for future education expenses. Saving for college or other education expenses: A 529 plan is essential Tuition, fees, books,
More informationThe Schwab 529 College Savings Plan. Rely on Schwab s expertise to help you plan for a child s college education.
The Schwab 529 College Savings Plan Rely on Schwab s expertise to help you plan for a child s college education. Saving for college: A 529 plan is essential Tuition, fees, books, room and board. It all
More informationTax-Advantaged Savings for Individuals with Disabilities. November 8, 2018 Presenter: Sarah Pennington, ABLEnow
Tax-Advantaged Savings for Individuals with Disabilities November 8, 2018 Presenter: Sarah Pennington, ABLEnow Objectives What will we cover? ABLE Act ABLEnow program details How to learn more and open
More informationCOLLEGE WILL NOT BE EASY, BUT SAVING FOR IT CAN BE.
COLLEGE WILL NOT BE EASY, BUT SAVING FOR IT CAN BE. Why save for college.............. 2 Power of compounding........... 3 Plan highlights..................... 4 Broad investment options........ 6 Other
More informationUnderstanding SSI Benefits. Supplemental Security Income: Who Qualifies and How To Apply
Understanding SSI Benefits Supplemental Security Income: Who Qualifies and How To Apply A. Schriver, Yates ECP, 2017 Supplemental Security Income (SSI) What is SSI? Supplemental Security Income (SSI) is
More informationTomorrow s Scholar 529 Plan
Tomorrow s Scholar 529 Plan Investor Guide... connecting to the future Investment options customizable to your needs A flexible and tax-advantaged way to save for college Potential advantages over other
More information3 Easy Steps to Save for a Child s Education
Savings 3 Easy Steps to Save for a Child s Education Invest Today for a Child s Education Tomorrow Investment Products Offered Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed Education Is One
More informationMetLife Term Life Plan
MetLife Term Life Plan BASIC EMPLOYEE LIFE INSURANCE This insurance is payable for death from any cause to any person you name as beneficiary. OPTIONAL EMPLOYEE LIFE INSURANCE Your employer-sponsored basic
More informationIMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT.
DO NOT STAPLE CSABLE_06043AR 1018 Page 1 of 12 Arkansas ABLE Enrollment Form IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. We are required by federal law to obtain from each person who opens an Account
More informationWHAT YOU DON T KNOW CAN HURT YOU
WHAT YOU DON T KNOW CAN HURT YOU Recent Developments in Estate, Long-Term Care & Special Needs Planning Presented by Elizabeth Q. Boehmcke, Esq. boehmcke@hooklawcenter.com Long-Term Care As of July 1,
More informationESTATE PLANNING WORKBOOK (MARRIED)
ESTATE PLANNING WORKBOOK (MARRIED) Please complete this Workbook to the best of your ability. Your answers to the questions asked herein will allow us to provide you with the most appropriate counsel and
More informationNextGen College Investing Plan. An investment for a lifetime of achievement
NextGen College Investing Plan An investment for a lifetime of achievement An investment for a lifetime of achievement... begins today Education is the soul of a society as it passes from one generation
More informationTomorrow s Scholar 529 Plan
Tomorrow s Scholar 529 Plan Investor Guide... connecting to the future Investment options customizable to your needs A flexible and tax-advantaged way to save for college Potential advantages over other
More informationBound for College. kysaves.com Enrollment Materials. With help from the Kentucky Education Savings Plan Trust
Bound for College With help from the Kentucky Education Savings Plan Trust kysaves.com 1-877-598-7878 Enrollment Materials A Future Full of Potential Table of Contents Why save for college?... 1 How it
More informationWhat is Maryland ABLE
What is Maryland ABLE Maryland ABLE accounts are a way for families and people with disabilities to save money without jeopardizing state or federal benefits, such as SSI, Medicaid, waiver services, etc.
More informationSTART INVESTING IN YOUR CHILD S TOMORROWS TODAY.
START INVESTING IN YOUR CHILD S TOMORROWS TODAY. SMART INVESTMENTS FOR TOMORROW: YOUR CHILD AND THE ARKANSAS 59 GIFT PLAN. The quality of our tomorrows can depend on the education of our kids. Paying for
More informationGet the Most From Your 401(k) Plan
401(k) Guide Get the Most From Your 401(k) Plan The Larry H. Miller Associates Retirement Plan and Trust (the Plan ) is a great benefit offered by your company. It s an excellent way to prepare for your
More informationThe Schwab 529 College Savings Plan
The Schwab 529 College Savings Plan Rely on Schwab s expertise to help you plan for your child s college education. Maximize the benefits of a 529 Plan What is a 529 Plan? A 529 Plan is a state-sponsored,
More informationTen Topics to Consider for Your Estate Planning Conference
Ten Topics to Consider for Your Estate Planning Conference Laura Akins Attorney, The Witcher Law Firm www.billwitcher.com 150 E. Ponce de Leon Ave., Ste. 300 Decatur, GA 30030 (404) 371 5080 1. Do you
More informationPOOLED SPECIAL NEEDS TRUSTS. Future planning for your loved one with a disability
POOLED SPECIAL NEEDS TRUSTS Future planning for your loved one with a disability NOVEMBER 5, 2015 Presenter Cheryl Carlyon, MBA Marketing and Outreach Manager Commonwealth Community Trust National nonprofit
More informationYou, Taxes & 2016 December 2016
You, Taxes & 2016 December 2016 HighTower Westchester You, Taxes & 2016 Page 2 As we come upon the end of another year, it is time to start thinking about the payment of taxes and what planning we can
More informationPlanning for Children With Special Needs
Planning for Children With Special Needs Wealth Planning Centers 2018 Parents or grandparents planning for the financial well-being of a child with special needs face several challenges. They must design
More informationSave Today For Your Child s Tomorrow
Save Today For Your Child s Tomorrow Parents know time is the most valuable commodity in the world when it comes to their children and it can fly by in the blink of an eye. However, many families don t
More informationYOUR GUIDE TO GETTING STARTED
Virginia Mason Medical Center 401(a) Retirement Plan and VMMC 403(b) Retirement Savings Plan Pursue your retirement goals today, with help from the Virginia Mason Medical Center 401(a) Retirement Plan
More informationOffered Nationwide by the New Jersey Higher Education Student Assistance Authority
Franklin Templeton 529 College Savings Plan Offered Nationwide by the New Jersey Higher Education Student Assistance Authority Providing access and affordability for a college education. New Jersey Higher
More informationYour Plan for College
Your Plan for College You can get there. We can help. COLLEGE SAVINGS PLAN TM You can get there. We can help. All parents have hopes and dreams for their children, including a good education. To help you
More informationSI Achieving a Better Life Experience (ABLE) Accounts (POMS)
SI 01130.740 Achieving a Better Life Experience (ABLE) Accounts (POMS) Citations: Public Law 113 295 The Stephen Beck, Jr., Achieving a Better Life Experience Act (ABLE Act) Enacted December 19, 2014 A.
More informationPayFlex HealthHub TM Health Savings Account Investment Portal Guide
PayFlex HealthHub TM Health Savings Account Investment Portal Guide PRESENTED BY: February 24, 2011 10802 Farnam Drive, Suite 100 Omaha, Nebraska 68154 (800) 284-4885 TABLE OF CONTENTS HEALTHHUB Section
More informationFUTURE SCHOLAR 529 COLLEGE SAVINGS PLAN THE FUTURE SCHOLAR 529 PLAN BECAUSE YOU CAN HELP MAKE THEIR DREAMS COME TRUE
FUTURE SCHOLAR 529 COLLEGE SAVINGS PLAN THE FUTURE SCHOLAR 529 PLAN BECAUSE YOU CAN HELP MAKE THEIR DREAMS COME TRUE CONTENTS 3 Welcome to the Future Scholar 529 Plan 4 5 Tax advantages 6 7 Control and
More informationTD Ameritrade 529 College Savings Plan. Program Disclosure Statement and Participation Agreement April 29, 2016
TD Ameritrade 529 College Savings Plan Program Disclosure Statement and Participation Agreement April 29, 2016 Use of this Program Disclosure Statement This Program Disclosure Statement is for use by persons
More informationCOMPARISON OF 529 ABLE ACCOUNTS, SPECIAL NEEDS TRUSTS AND POOLED SPECIAL NEEDS TRUSTS
COMPARISON OF 529 ABLE ACCOUNTS, SPECIAL NEEDS TRUSTS AND POOLED SPECIAL NEEDS TRUSTS LAW OFFICE OF RANDY HOPE STEEN, LTD. WWW.RSTEENLAW.COM Able Account Who is Eligible? Are there the age restrictions?
More informationOklahoma s 529 College Savings Plan (OCSP)
Oklahoma s 529 College Savings Plan (OCSP) An investment in knowledge pays the best interest. Benjamin Franklin 2 The Cost of Tuition & Fees Use our College Planning Calculator to explore different scenarios
More informationCollegeBound 529 Program Description July 8, 2016
CollegeBound 529 Program Description July 8, 2016 Investment Products Offered: Are not FDIC Insured May Lose Value Are not Bank, State or Federal Guaranteed Please file this Supplement to the CollegeBound
More informationMilitary Family Appreciation Month
CCCS of Rochester/RethinkingDebt Headquarters: 1000 University Ave, Rochester, NY 14607 **FALL 2014** Inside this issue: Military Families 1 Military Family Appreciation Month By: Lynette Baker, Director
More informationBEYOND ONE DAY AT A TIME PLANNING FOR YOUR FUTURE AND THE LIFETIME OF A PERSON WITH SPECIAL NEEDS
BEYOND ONE DAY AT A TIME PLANNING FOR YOUR FUTURE AND THE LIFETIME OF A PERSON WITH SPECIAL NEEDS To accomplish great things, we must dream as well as act. Anatole France, French Novelist AN EXTRAORDINARY
More informationINSTRUCTIONS FOR COMPLETING THE CACFP MEAL BENEFIT INCOME ELIGIBILITY and ENROLLMENT FORM (Child Care)
INSTRUCTIONS FOR COMPLETING THE CACFP MEAL BENEFIT INCOME ELIGIBILITY and ENROLLMENT FORM () Follow these instructions, if your household gets SNAP, TANF or FDPIR: Part 1: List all enrolled children and
More informationAN INTRODUCTION TO ABLE ACCOUNTS AND THE NC ABLE PROGRAM September 19, 2018 (Rev. December 11, 2018)
AN INTRODUCTION TO ABLE ACCOUNTS AND THE NC ABLE PROGRAM September 19, 2018 (Rev. December 11, 2018) Reid Chisholm Assistant General Counsel North Carolina Department of State Treasurer INTRODUCTION ABLE
More informationAnderson Elder Law. Special Needs Beneficiary Questionnaire
Anderson Elder Law Elder Law Estate Planning Special Needs Planning Special Needs Beneficiary Questionnaire for First Party & Third Party Trusts This form is extremely important. Your accuracy and completeness
More informationEmployees Frequently Asked Questions
Principal Health Savings Accounts Employees Frequently Asked Questions BACKGROUND QUESTION Why were health savings accounts (HSAs) created? What are the key advantages of HSAs? ANSWER The state of the
More informationNew York s 529 Advisor-Guided College Savings Program
NOT FDIC INSURED NO BANK, STATE OR FEDERAL GUARANTEE MAY LOSE VALUE Program manager Ascensus Broker Dealer Services, Inc. Investment manager J.P. Morgan Investment Management Inc. August 2014 New York
More informationPlease complete and sign this Application, along with any required supplemental forms identified through this application process.
Brokerage ABZ 153 Securities Way, Suite 1001 Richmond, VA 00150 15.31.5543 www.brokerageabz.com This voluntary template reflects new FINRA Rule 165 (Financial Exploitation of Specified Adults) and amendments
More informationVermont s ABLE Plan: Offered in Partnership with STABLE Accounts.
Vermont s ABLE Plan: Offered in Partnership with STABLE Accounts www.vermontable.com Disclosure This Webinar is provided by Kirsten Murphy Executive Director Vermont Developmental Disabilities Council
More informationVALIC Financial Advisors, Inc. An array of financial planning and investment services SAVING : INVESTING : PLANNING
VALIC Financial Advisors, Inc. An array of financial planning and investment services SAVING : INVESTING : PLANNING Your financial advisor will work with you to help make sure your financial plan fits
More informationEnrolment Form. Before beginning the enrolment form, please ensure that you: Some hints and tips: Happy learning!
Enrolment Form Thank-you for choosing FTTA and good luck with your course! By enrolling in a Nationally Recognised Qualification, you have taken the first step towards a new and exciting career. Before
More informationNotice Date: 08/13/2015 Application Date: 08/12/2015
Notice Date: 08/13/2015 Application Date: 08/12/2015 Bad Power 100 Main St Baltimore, MD 21201 Application ID: 37982 Subject Medicaid, MCHP and/or MCHP Premium Final Renewal Notice Dear Bad Power, The
More informationSpecial Needs Financial Planning ABLE Accounts What can ABLE Accomplish?
Special Needs Financial Planning ABLE Accounts What can ABLE Accomplish? Securities and Advisory Services offered through JW Cole Financial, a registered investment advisor. Member FINRA/SIPC. Crescendo
More informationPlease complete and sign this Application, along with any required supplemental forms identified through this application process.
Retail Brokerage Account Application About this Application This is a. Please read it carefully, as you will select products and services, tell us how you want to communicate with us, and agree to certain
More informationFAMILY WEALTH TRUST. Calculating the Benefits AMERICAN ACADEMY OF ESTATE PLANNING ATTORNEYS, INC.
FAMILY WEALTH TRUST Calculating the Benefits AMERICAN ACADEMY OF ESTATE PLANNING ATTORNEYS, INC. Family Wealth Trust 1 FAMILY WEALTH TRUST Chances are, you ve already heard a lot about the attributes
More informationMaster Trusts General information.
Master Trusts Master Trusts were created to hold in trust the money and property intended for the use and benefit of children who either are receiving services from DCF or are in DCF s legal custody. Government
More informationSpecial Needs Trusts
Oppenheimer & Co. Inc. Executive Director - Investments 500 108th Ave. NE Suite 2100 Bellevue, WA 98004 425-709-0540 800-531-3110 spencer.nurse@opco.com http://fa.opco.com/spencer.nurse/index.htm Special
More informationUSING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS
U.S. TRUST FIDUCIARY SERVICES FOR MERRILL LYNCH CLIENTS USING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS Trusteed IRAs from U.S. Trust WHAT S INSIDE Support from Merrill Lynch and U.S. Trust Beyond
More informationSUPPLEMENT DATED SEPTEMBER 2016 TO THE MONTANA FAMILY EDUCATION SAVINGS PROGRAM BANK PLAN (BANK PLAN) DISCLOSURE STATEMENT DATED JANUARY 2012
Please file this Supplement to the Montana Family Education Savings Program Bank Plan Disclosure Statement with your records. SUPPLEMENT DATED SEPTEMBER 2016 TO THE MONTANA FAMILY EDUCATION SAVINGS PROGRAM
More informationWhat You Need to Know about SSI
What You Need to Know about SSI Kate Lang, Staff Attorney Gerald McIntyre, Directing Attorney Amber Cutler, Staff Attorney National Senior Citizens Law Center Jessica Hiemenz National Consumer Law Center
More informationHERMENZE & MARCANTONIO LLC ESTATE PLANNING PRIMER FOR SINGLE, DIVORCED, AND WIDOWED PEOPLE (New York)
HERMENZE & MARCANTONIO LLC ESTATE PLANNING PRIMER FOR SINGLE, DIVORCED, AND WIDOWED PEOPLE - 2018 (New York) I. Purposes of Estate Planning. A. Providing for the distribution and management of your assets
More informationTexas ABLE Program Disclosure Statement and Participation Agreement. As of April 26, 2018
Texas ABLE Program Disclosure Statement and Participation Agreement SM As of April 26, 2018 This page has been intentionally left blank. PROGRAM DISCLOSURE STATEMENT Before you open an Account in the Texas
More informationApplication for Lifeline Telephone Service
Important Lifeline Information Lifeline is a service and a government assistance program designed to make phone and internet services more affordable for low-income customers. Assistance is provided in
More informationGetting to know TIAA s individual financial solutions and its financial professionals
Getting to know TIAA s individual financial solutions and its financial professionals For nearly 100 years, TIAA has served the retirement needs of plan participants who work in the academic, medical,
More informationStart small. Dream big.
COLLEGE SAVINGS Start small. Dream big. Administered by Nevada State Treasurer The SSGA Upromise 529 Plan Makes college savings easy and affordable Convenient, low-fee plan Tax-advantaged investing 1 Flexible
More informationGive the Gift That Truly Matters A Gift Towards a Child s Retirement
Give the Gift That Truly Matters A Gift Towards a Child s Retirement When you create a RIC-E Trust, you contribute as little as $5,000, and you designate a child or grandchild to receive the money when
More informationHow to Save for the Rising Costs of College
How to Save for the Rising Costs of College Today s Topics Understand the importance and value of saving for college Learn about different ways to save for college Explore the benefits of a 529 plan like
More information