Welcome to Helpside Inc. 401(k) Retirement Plan - Helpside Inc. Enroll today!

Size: px
Start display at page:

Download "Welcome to Helpside Inc. 401(k) Retirement Plan - Helpside Inc. Enroll today!"

Transcription

1 Wecome to Hepside Inc. 401(k) Retirement Pan - Hepside Inc. Enro today! Onine Registration Instructions Pease Note: You can enro today or any day in the future. Generay, the contribution you eect wi go into effect on the pan's next entry date; however, you wi need to check with your empoyer to find out the exact date your payro deductions wi start. Refer to your enroment workbook or Summary Pan Description for your pan's specific entry dates. To enro onine sign in to: TA-Retirement.com In order to enro onine you wi need to provide us with your current e-mai address. If you do not have an e-mai address you can enro via the teephone. Pease refer to the teephone instructions on the next page. Cick on the First time user? Register here ink ocated on the top eft-hand corner of your screen within the "Your Account: LOGIN" section. Seect "I am an empoyee" and cick Continue. Enter your Socia Security Number and cick Continue. Enter your Date of Birth and ZIP/Posta Code and cick Next. Create your own unique Username and Password and cick Next. Read and Review the site Terms of Use. If you agree to the terms, pease cick Agree If you do NOT agree, do not cick Agree and ca us at (800)-401-TRAN (8726). Read and Review the Consent to Do Business Eectronicay agreement. If you agree to the consent, pease cick Agree If you do NOT agree, do not cick Agree and ca us at (800)-401-TRAN (8726) On the Wecome to Pan Enroment screen, pease cick on Start From this point forward foow the simpe onine instructions which wi hep you to set up or make changes to your contribution rate, investment choices, and future contribution eections. If you cannot enro onine, pease see next page for Teephone Enroment Instructions. By competing the enroment process onine, you are authorizing payro deduction of pan contributions. Authorization of pan contributions constitutes a "cash or deferred arrangement" under section 401(k) of the Interna Revenue Code and such contributions are subject to the withdrawa restrictions of the pan. Contributions made to the pan are subject to certain imitations imposed by Federa aw and these contributions may be refunded to compy with these aws. By submitting this authorization onine, you understand that neither Hepside Inc., the pan trustee, their affiiates nor their investment choices are iabe for any oss when acting upon your instructions beieved to be genuine /23/2018 1

2 Wecome to Hepside Inc. 401(k) Retirement Pan - Hepside Inc. Enro today! Teephone Registration Instructions To enro by phone: TRAN (8726) To utiize the phone enroment process you wi need to use atouchtone phone. Press 1 for Engish Press 2 for Spanish You wi then be prompted to enter your 9-digit Socia Security number foowed by the pound sign (#), and your 4-digit PIN (Persona Identification Number). Your defaut PIN is your month and day of birth in MMDD format, foowedby the pound sign (#). 1. PERSONALIZE YOUR PIN As afirst time user, you wi be prompted to change your PIN on initia use. The system wi request you to enter your new 4-digit PIN, foowed by the pound sign (#). Re-enter your 4-digit PIN, foowed by the pound sign (#) to confirm. Amessage wi indicate that your PIN was changed successfuy. Aconfirmation wi be maied to your address. 2. ENROLLMENT DISCLOSURE You wi be asked to compete the teephone enroment process. The discosure message wi ask you if you agree to the terms and conditions of utiizing the enroment process. Listen carefuy to the terms and conditions, Press 1 to agree to the terms and conditions of enroment. 3. SET UP DEFERRAL/CONTRIBUTION RATE Your contribution rate is the amount that wi be withhed from each paycheck. Enter the rate to be withhed from each paycheck foowed by the pound sign (#), Press 1 to confirm the rate. The contribution rate you seect wi be sent to your empoyer to be deducted from your paycheck based on payro cutoff dates. 4. SET UP INVESTMENT ELECTIONS (See Investment Choices Worksheet) Your contributions wi be invested according to the seections you make here. You wi be prompted to enter the percentage to be aocated to each investment option in your pan unti the tota aocated equas. Percentages must be in whoe percentage increments. Press 1 to confirm your eections. A confirmation wi be maied to your address. You have successfuy competed the phone enroment process and you may now hang up to end the ca or hod and you wi be connected to the main menu. * If we do not have a date of birth on fie, your PIN is a randomy generated number as indicated in your enroment etter. By competing the enroment process by phone, you are authorizing payro deduction of pan contributions. Authorization of pan contributions constitutes a "cash or deferred arrangement" under section 401(k) of the Interna Revenue Code and such contributions are subject to the withdrawa restrictions of the pan. Contributions made to the pan are subject to certain imitations imposed by Federa aw and these contributions may be refunded to compy with these aws. By submitting this authorization by phone, you understand that neither Hepside Inc., the pan trustee, their affiiates nor their investment choices are iabe for any oss when acting upon your instructions beieved to be genuine /23/2018

3 Investment Mix Worksheet This worksheet is designed to hep you enter your investment seections during the enroment process. Pease don't submit this worksheet. Option A: Target Date Series The Target Date Series investment choices are designed for you to aocate of your contribution to the one investment choice that most cosey matches your projected retirement date. These investment options are diversified and structured to grow more conservative as the investment option's target date approaches. Seect ony one, otherwise proceed to Option B. Option B: Asset Aocation Series The Asset Aocation Series are designed for you to aocate of your contributions to the one investment choice that most cosey matches your investment mix refective of your seected time horizon. Seect ony one, otherwise proceed to Option C. Check One R0I2 American Century One Choice In Retirement Ret Acct (Cass: R0HV American Century One Choice 2020 Ret Acct (Cass: R0HW American Century One Choice 2025 Ret Acct (Cass: R0HX American Century One Choice 2030 Ret Acct (Cass: R0HY American Century One Choice 2035 Ret Acct (Cass: R0HZ American Century One Choice 2040 Ret Acct (Cass: R0I0 American Century One Choice 2045 Ret Acct (Cass: R0I1 American Century One Choice 2050 Ret Acct (Cass: R26X American Century One Choice 2055 Portfoio Ret Acct (Cass: Inv) R38W American Century One Choice 2060 Ret Acct (Cass: Inv) Check One R0JK TA Vanguard LifeStrategy Income Ret Acct (Cass: R0JI TA Vanguard LifeStrategy Conservative Growth Ret Acct (Cass: R0JL TA Vanguard LifeStrategy Moderate Growth Ret Acct (Cass: R0JJ TA Vanguard LifeStrategy Growth Ret Acct (Cass: Option C: Create Your Own Investment Portfoio If you prefer to create your own investment portfoio, just seect from the foowing avaiabe investment choices. A eections must be in whoe percentages and tota. If you eect to join the pan and fai to make an investment eection, or your eections do not equa, your contribution wi be invested in PortfoioXpress. Asset Cass Sub Asset Cass Investment Choice % of Contribution Short Bonds/Stabe/MMkt Stabe Vaue Q1QV Transamerica Stabe Vaue Core Account (Cass: N/A) Interm./Long-Term Bond Intermediate-Term Bonds R1A2 AB High Income Ret Acct (Cass: K) R080 Loomis Sayes Investment Grade Bond Ret Acct (Cass: N/A) R0IQ Pioneer Strategic Income Ret Acct (Cass: Y) Long-Term Bonds R18X JPMorgan Extended Duration Ret Acct (Cass: N/A) Aggressive Bonds High Yied Bonds R03H Transamerica Partners High Yied Bond Ret Acct (Cass: N/A) Word/Foreign Bonds R0F6 Tempeton Goba Bond Ret Acct (Cass: A) Large-Cap Stocks Large-Cap Vaue Stocks R0D0 BackRock Equity Dividend Ret Acct (Cass: I) R08Q State Street Russe Large Cap Vaue Index Ret Acct (Cass: N/A) R0IT Virtus Ceredex Large-Cap Vaue Equity Ret Acct (Cass: I) Large-Cap Bend Stocks R0IM MFS Massachusetts Investors Ret Acct (Cass: R-3) R08M TA Vanguard Tota Stock Market Index Ret Acct (Cass: Admira) /23/2018 3

4 Asset Cass Sub Asset Cass Investment Choice % of Contribution R045 Transamerica Partners Stock Index Ret Acct (Cass: N/A) Large-Cap Growth Stocks R02F Morgan Staney Growth Ret Acct (Cass: N/A) R08S State Street Russe Large Cap Growth Index Ret Acct (Cass: N/A) Sma/Mid-Cap Stocks Mid-Cap Vaue Stocks R087 Transamerica Sma/Mid Cap Vaue Ret Acct (Cass: A) R0EP Virtus Ceredex Mid-Cap Vaue Equity Ret Acct (Cass: I) Mid-Cap Bend Stocks R05A State Street S&P Mid Cap Index Ret Acct (Cass: N/A) Mid-Cap Growth Stocks R1DL Prudentia Jennison Mid Cap Growth Ret Acct (Cass: Z) R1FG Wes Fargo Discovery Ret Acct (Cass: A) Sma-Cap Vaue Stocks R05S State Street Russe Sma Cap Vaue Index Ret Acct (Cass: N/A) Sma-Cap Bend Stocks R08F TA Vanguard Sma-Cap Index Ret Acct (Cass: Admira) Sma-Cap Growth Stocks R17R CearBridge Sma Cap Growth Ret Acct (Cass: I) R0F4 Neuberger Berman Genesis Ret Acct (Cass: Trust) R08R State Street Russe Sma Cap Growth Index Ret Acct (Cass: N/A) Rea Estate R08D TA Vanguard REIT Index Ret Acct (Cass: Admira) Internationa Stocks Word/Foreign Stocks R07I American Funds EuroPacific Growth Ret Acct (Cass: R-5) R0DJ American Funds New Perspective Ret Acct (Cass: R-5) Word/Foreign Sma-Cap R0E7 Coumbia Acorn Internationa Ret Acct (Cass: I) Stocks Emerging Market Stocks R1XL State Street Emerging Markets Index Ret Acct (Cass: N/A) Muti-Asset/Other Sector R0IB BackRock Heath Sciences Ops Ret Acct (Cass: I) R0DV Ivy Science & Technoogy Ret Acct (Cass: Y) R0DW Prudentia Jennison Natura Resources Ret Acct (Cass: A) R0DX Prudentia Jennison Utiity Ret Acct (Cass: A) R0E0 Wes Fargo Precious Metas Ret Acct (Cass: A) Baanced R02K AEGON Baanced Ret Acct (Cass: N/A) R0E5 BackRock Goba Aocation Ret Acct (Cass: I) R0CR Janus Henderson Baanced Ret Acct (Cass: T) Target Date Investment Choices R0I2 American Century One Choice In Retirement Ret Acct (Cass: R0HV American Century One Choice 2020 Ret Acct (Cass: R0HW American Century One Choice 2025 Ret Acct (Cass: R0HX American Century One Choice 2030 Ret Acct (Cass: R0HY American Century One Choice 2035 Ret Acct (Cass: R0HZ American Century One Choice 2040 Ret Acct (Cass: R0I0 American Century One Choice 2045 Ret Acct (Cass: R0I1 American Century One Choice 2050 Ret Acct (Cass: R26X American Century One Choice 2055 Portfoio Ret Acct (Cass: Inv) /23/2018

5 Asset Cass Sub Asset Cass Investment Choice % of Contribution Asset Aocation Investment Choices R38W American Century One Choice 2060 Ret Acct (Cass: Inv) R0JK TA Vanguard LifeStrategy Income Ret Acct (Cass: R0JI TA Vanguard LifeStrategy Conservative Growth Ret Acct (Cass: R0JL TA Vanguard LifeStrategy Moderate Growth Ret Acct (Cass: R0JJ TA Vanguard LifeStrategy Growth Ret Acct (Cass: Tota for a investment choices must equa : /23/2018 5

6 6

Welcome to A Plus Benefits, Inc. 401(k) Profit Sharing Plan - A Plus Benefits, Inc. Enroll today!

Welcome to A Plus Benefits, Inc. 401(k) Profit Sharing Plan - A Plus Benefits, Inc. Enroll today! Wecome to A Pus Benefits, Inc. 401(k) Profit Sharing Pan - A Pus Benefits, Inc. Enro today! Onine Registration Instructions Pease Note: You can enro today or any day in the future. Generay, the contribution

More information

Tax Savings You Can Bank On

Tax Savings You Can Bank On www.horizonbue.com/fsa Tax Savings You Can Bank On Fexibe Spending Accounts Highights Fexibe Spending Accounts Fexibe Spending Accounts (FSAs) are a convenient, before-tax way to pay for eigibe out-of-pocket

More information

Annual Notice of Changes for 2018

Annual Notice of Changes for 2018 WeCare Advance (HMO-POS) offered by Harmony Heath Pan, Inc. Annua Notice of Changes for 2018 You are currenty enroed as a member of WeCare Advance (HMO). Next year, there wi be some changes to the pan

More information

ACU Your super and voluntary early retirement options when you leave

ACU Your super and voluntary early retirement options when you leave ACU Your super and vountary eary retirement options when you eave March 2009 February 2008 Important notice The information in this seminar is of a genera nature. It does not take into account your individua

More information

PROSPECTUS. I could have been an . Visit to sign up. May 1, 2018 VARIABLE UNIVERSAL LIFE INSURANCE (5-18) Product

PROSPECTUS. I could have been an  . Visit  to sign up. May 1, 2018 VARIABLE UNIVERSAL LIFE INSURANCE (5-18) Product PROSPECTUS May 1, 2018 VARIABLE UNIVERSAL LIFE INSURANCE I coud have been an emai. Visit www.fbfs.com to sign up. 737-530 (5-18) 2002-2007 Product PRINCIPAL UNDERWRITER/ SECURITIES & SERVICES OFFERED THROUGH

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Levels of diversification

Levels of diversification Muti-Asset (MA) Bended Funds Leves of diversification Past performance is not a guide to future performance. Leves of diversification What are eves of diversification? At Architas we beieve that diversification

More information

A guide to your with-profits investment and how we manage our With-Profit Fund

A guide to your with-profits investment and how we manage our With-Profit Fund Important information A guide to your with-profits investment and how we manage our With-Profit Fund For customers investing through an Aviva investment bond. Contents This guide is important as it aims

More information

Protective Fixed Annuities

Protective Fixed Annuities s are set every two weeks and may change without notice. Depending on market conditions, rates may be set more frequenty. Withdrawas and eary surrenders may ower returns. View Fu Notification Current s

More information

Your fund selection. Retirement Investments Insurance Health

Your fund selection. Retirement Investments Insurance Health Your fund seection Retirement Investments Insurance Heath Wecome The purpose of this guide is to hep you understand the types of funds avaiabe under your pension, bond, endowment or other Aviva Life products

More information

Levels of diversification

Levels of diversification Muti-Asset (MA) Bended Funds Leves of diversification Past performance is not a guide to future performance. 2. Leves of diversification What are eves of diversification? At Architas we beieve that diversification

More information

Welcome to Colonial Voluntary Benefits. Thank you for your interest in our Universal Life with the Accelerated Death Benefit for Long Term Care Rider.

Welcome to Colonial Voluntary Benefits. Thank you for your interest in our Universal Life with the Accelerated Death Benefit for Long Term Care Rider. Heo, Wecome to Coonia Vountary Benefits. Thank you for your interest in our Universa Life with the Acceerated Death Benefit for Long Term Care Rider. For detai pease ca 877-685-2656. Pease eave your name,

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l. l l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l. l l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Annual Notice of Changes for 2019

Annual Notice of Changes for 2019 SiverScript Choice (PDP) offered by SiverScript Insurance Company Annua Notice of Changes for 2019 You are currenty enroed as a member of SiverScript Choice (PDP). Next year, there wi be some changes to

More information

A guide to your with-profits investment and how we manage our With-Profit Fund

A guide to your with-profits investment and how we manage our With-Profit Fund Important information A guide to your with-profits investment and how we manage our With-Profit Fund For customers investing through pension pans. Contents This guide is important as it aims to answer

More information

SilverScript Employer PDP sponsored by Montgomery County Public Schools (SilverScript) Annual Notice of Changes for 2019

SilverScript Employer PDP sponsored by Montgomery County Public Schools (SilverScript) Annual Notice of Changes for 2019 P.O. Box 30006, Pittsburgh, PA 15222-0330 SiverScript Empoyer PDP sponsored by Montgomery County Pubic Schoos (SiverScript) Annua Notice of Changes for 2019 You are currenty enroed as a member of SiverScript.

More information

Fidelity Freedom Index 2005 Fund - Investor Class (FJIFX)

Fidelity Freedom Index 2005 Fund - Investor Class (FJIFX) Aocation Fideity Freedom Index 2005 Fund - Investor Cass (FJIFX) Hypothetica Growth of $10,000 1,2 (10/2/2009-) n Fideity Freedom Index 2005 Fund - Investor Cass $15,353 n Target-Date 2000-2010 $16,178

More information

This Agreement is for your credit card account with us. It applies to you and all authorized users.

This Agreement is for your credit card account with us. It applies to you and all authorized users. Credit Card Agreement for HAYLEY KAY HANCOCK This Agreement is for your credit card account with us. It appies to you and a authorized users. In addition to the features outined in this Agreement, you

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

Fidelity Freedom Index Income Fund - Institutional Premium Class (FFGZX)

Fidelity Freedom Index Income Fund - Institutional Premium Class (FFGZX) Fideity Freedom Index Income Fund - Institutiona Premium Cass (FFGZX) NTF No Transaction Fee 1 Hypothetica Growth of $10,000 2,3 (10/2/2009-) n Fideity Freedom Index Income Fund - Institutiona Premium

More information

SilverScript Employer PDP sponsored by Montgomery County Public Schools (SilverScript) Annual Notice of Changes for 2018

SilverScript Employer PDP sponsored by Montgomery County Public Schools (SilverScript) Annual Notice of Changes for 2018 P.O. Box 52424, Phoenix, AZ 85072-2424 SiverScript Empoyer PDP sponsored by Montgomery County Pubic Schoos (SiverScript) Annua Notice of Changes for 2018 You are currenty enroed as a member of SiverScript.

More information

Annual Notice of Changes for 2018

Annual Notice of Changes for 2018 EmbemHeath VIP God (HMO) offered by HIP Heath Pan of New York (HIP)/EmbemHeath Annua Notice of Changes for 2018 You are currenty enroed as a member of EmbemHeath VIP God (HMO). Next year, there wi be some

More information

CIBC Managed Income Portfolio. Annual Management Report of Fund Performance

CIBC Managed Income Portfolio. Annual Management Report of Fund Performance CIBC Managed Income Portfoio Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua management

More information

Benefits That Count. Colonial Life can help you:

Benefits That Count. Colonial Life can help you: Benefits That Count Coonia Life can hep you: Keep your costs down. Reaize tax savings. Save vauabe administrative time. Improve empoyees understanding and appreciation of their benefits. cooniaife.com

More information

Date (Day/Month/Year)

Date (Day/Month/Year) Invest in a beneficiary s Individua Savings Account (ISA) Vaid from Apri 2017 Pease compete this form in BLOCK LETTERS and back ink, and return it to: FREEPOST JP MORGAN AM. An address or a stamp is not

More information

A guide to your with-profits investment and how we manage our With-Profit Fund

A guide to your with-profits investment and how we manage our With-Profit Fund Important information A guide to your with-profits investment and how we manage our With-Profit Fund For customers investing through a With Profits Pension Annuity. Contents This guide is important as

More information

SilverScript Employer PDP sponsored by Pfizer (SilverScript) Annual Notice of Changes for 2019

SilverScript Employer PDP sponsored by Pfizer (SilverScript) Annual Notice of Changes for 2019 P.O. Box 30006, Pittsburgh, PA 15222-0330 SiverScript Empoyer PDP sponsored by Pfizer (SiverScript) Annua Notice of Changes for 2019 You are currenty enroed as a member of SiverScript. Next year, there

More information

S CORPORATIONS INTRODUCTION AND STUDY OBJECTIVES. In studying the rules of S corporations, the student should have these objectives: STUDY HIGHLIGHTS

S CORPORATIONS INTRODUCTION AND STUDY OBJECTIVES. In studying the rules of S corporations, the student should have these objectives: STUDY HIGHLIGHTS H Chapter Eeven H S CORPORATIONS INTRODUCTION AND STUDY OBJECTIVES Certain sma business corporations may eect to be taxed under Subchapter S instead of under the reguar rues for taxation of corporations.

More information

Flexible Benefits for Group Income Protection. Policy Wording

Flexible Benefits for Group Income Protection. Policy Wording Fexibe Benefits for Group Income Protection Poicy Wording Wecome to Group Risk from Aviva What the poicy wording expains This poicy wording tes you: what to do if you need to caim what is covered expanations

More information

FREQUENTLY ASKED QUESTIONS ABOUT FREE AND REDUCED PRICE SCHOOL MEALS

FREQUENTLY ASKED QUESTIONS ABOUT FREE AND REDUCED PRICE SCHOOL MEALS FREQUENTLY ASKED QUESTIONS ABOUT FREE AND REDUCED PRICE SCHOOL MEALS Dear Parent/Guardian: 2017-2018 Students need heathy meas to earn. Hobbs Municipa Schoos offers heathy meas every schoo day. Breakfast

More information

Retirement Income Charting a Course to Help Your Money Last

Retirement Income Charting a Course to Help Your Money Last Retirement Income Charting a Course to Hep Your Money Last Peter Murphy, CFP Financia Partners Securities are offered through LPL Financia, Member FINRA/SIPC. Investment Advice offered through Financia

More information

- - Address City State Zip

- - Address City State Zip THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA Group Insurance Enroment Form Page 1 of 6 Guardian Life, P.O. Box 14319, Lexington, KY 40512 Pease print ceary and mark carefuy. Empoyer Name: Cinton Essex

More information

About us. Welcome to Viscount Resources.

About us. Welcome to Viscount Resources. Wecome to Viscount Resources. Our main objective is to provide our cients with accurate forecasts, up to the minute market news and cutting edge oppor tunities. This is so you as an investor can buid an

More information

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE Page 1 of 2 200 St. Chares Ave., New Oreans, LA 70130 504-561-6124 1-800-223-2060 TRUTH IN SAVINGS DISCLOSURE Account Type: Account #: Date: This discosure contains the rues which govern your deposit account.

More information

Key Features of Guaranteed Lifelong Protection

Key Features of Guaranteed Lifelong Protection Key Features of Guaranteed Lifeong Protection Retirement Investments Insurance Heath Key Features of Guaranteed Lifeong Protection Expaining what s important The Financia Conduct Authority is a financia

More information

Your fund selection. Retirement Investments Insurance Health

Your fund selection. Retirement Investments Insurance Health Your fund seection Retirement Investments Insurance Heath Wecome The purpose of this guide is to hep you understand the types of funds avaiabe under your pension, bond, endowment or other Aviva Life products

More information

Annual Notice of Changes for 2018

Annual Notice of Changes for 2018 EmbemHeath VIP Essentia (HMO) offered by HIP Heath Pan of New York (HIP)/EmbemHeath Annua Notice of Changes for 2018 You are currenty enroed as a member of EmbemHeath VIP Essentia (HMO). Next year, there

More information

Key Features of the With Profits Pension Annuity

Key Features of the With Profits Pension Annuity Key Features of the With Profits Pension Annuity Key Features of the With Profits Pension Annuity The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this

More information

Your guide to remortgaging

Your guide to remortgaging Mortgages Need more information? Speak to one of our mortgage advisers who wi be happy to expain more about our range of mortgages. Ca: 0345 734 4345 (Monday to Friday 8am to 6pm) Cas may be monitored

More information

Key Features of the Tax-Free Flexible Plan

Key Features of the Tax-Free Flexible Plan Key Features of the The Key Features suppied beow appy to the adut investment eement of the Famiy Fexibe Pan. No advice has been provided by Scottish Friendy in reation to this pan. If you are in any doubt

More information

Your fund selection. Retirement Investments Insurance Health

Your fund selection. Retirement Investments Insurance Health Your fund seection Retirement Investments Insurance Heath Wecome The purpose of this guide is to hep you understand the types of funds avaiabe under your pension, bond, endowment or other Aviva Life products

More information

The T2 Short. If the corporation does not fit into either of the above categories, please file a regular T2 Corporation Income Tax Return.

The T2 Short. If the corporation does not fit into either of the above categories, please file a regular T2 Corporation Income Tax Return. The T2 Short Who can use the T2 Short? The T2 Short is a simper version of the T2 Corporation Income Tax Return. There are two categories of corporations that are eigibe to use this return: You can use

More information

- - Address City State Zip

- - Address City State Zip The Guardian Life Insurance Company of America And its Affiiates and Subsidiaries Enroment/Change Form Page 1 of 6 Guardian Life, P.O. Box 14319, Lexington, KY 40512 Pease print ceary and mark carefuy.

More information

Annual Notice of Changes for 2017

Annual Notice of Changes for 2017 WeCare Cassic (PDP) offered by WeCare Prescription Insurance, Inc. Annua Notice of Changes for 2017 You are currenty enroed as a member of WeCare Simpe (PDP). Next year, there wi be some changes to the

More information

Imperial Equity High Income Pool. Interim Management Report of Fund Performance

Imperial Equity High Income Pool. Interim Management Report of Fund Performance Imperia Equity High Income Poo Interim Management Report of Fund Performance for the period ended June 30, 2017 A figures are reported in Canadian doars uness otherwise noted This interim management report

More information

YOUR. Medicare OPTIONS. What you need to know as a NEW Medicare Beneficiary. H0062_18_4251BROC Accepted

YOUR. Medicare OPTIONS. What you need to know as a NEW Medicare Beneficiary. H0062_18_4251BROC Accepted YOUR Medicare OPTIONS What you need to know as a NEW Medicare Beneficiary H0062_18_4251BROC Accepted 10232017 Important choices can be simpe choices. Let us hep. This guide wi give you a soid foundation

More information

CIBC Managed Aggressive Growth Portfolio. Annual Management Report of Fund Performance

CIBC Managed Aggressive Growth Portfolio. Annual Management Report of Fund Performance CIBC Managed Aggressive Growth Portfoio Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua

More information

CIBC U.S. Dollar Money Market Fund. Annual Management Report of Fund Performance

CIBC U.S. Dollar Money Market Fund. Annual Management Report of Fund Performance CIBC US Doar Money Market Fund Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in US doars uness otherwise noted This annua management report

More information

New Cigna care management program helps you avoid surprises

New Cigna care management program helps you avoid surprises SUMMER 2016 New Cigna care management program heps you avoid surprises Pre-certification of inpatient and some outpatient services heps you know in advance how care wi be covered by the Heath Pan Your

More information

Modern Woodmen of America Variable Annuity Account

Modern Woodmen of America Variable Annuity Account Modern Woodmen of America Variabe Annuity Account INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CERTIFICATE PROSPECTUS May 1, 2018 Modern Woodmen of America, a fraterna benefit society, (the Society

More information

The Smart Way to Manage Your Travel Money Welcome

The Smart Way to Manage Your Travel Money Welcome The Smart Way to Manage Your Trave Money n - Card design 5384 Wecome WELCOME TO THE WESTERN UNION SM TRAVELWISE TM CARD Thank you! Let s stick together Let s get you started We re so peased you decided

More information

GLOBAL INVESTMENT OUTLOOK

GLOBAL INVESTMENT OUTLOOK 2018 GLOBAL INVESTMENT OUTLOOK Goba growth continues with ow rates and controed infation Athough we had a year of strong risk asset returns and some increase in goba interest rates, many of the factors

More information

Annual Notice of Changes for 2017

Annual Notice of Changes for 2017 WeCare Extra (PDP) offered by WeCare Prescription Insurance, Inc. Annua Notice of Changes for 2017 You are currenty enroed as a member of WeCare Extra (PDP). Next year, there wi be some changes to the

More information

Health Savings Account reference guide

Health Savings Account reference guide Heath Savings Account 2017-2018 reference guide Information at your fingertips This ist of chapters and page numbers wi hep you find the information you need quicky. A detaied ist of sections and topics

More information

Giving That Grows. Legacies That Last.

Giving That Grows. Legacies That Last. Giving That Grows. Legacies That Last. Donor Advised Fund Program Description & Appication We make a iving by what we get, we make a ife by what we give. Winston Churchi The Sharing of Vaues: What is Your

More information

CIBC Global Bond Index Fund. Annual Management Report of Fund Performance

CIBC Global Bond Index Fund. Annual Management Report of Fund Performance CIBC Goba Bond Inde Fund Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua management report

More information

MANAGING YOUR CASH IN RETIREMENT

MANAGING YOUR CASH IN RETIREMENT MANAGING YOUR CASH IN RETIREMENT First Mortgage Trust Group Investment Fund & First Mortgage PIE Trust Managing Your Cash in Retirement Now you have reached retirement age, it's time to reax and enjoy

More information

GOVERNOR LAWRENCE J. HOGAN, JR., has appointed. Board of Trustees of the Maryland State Retirement and Pension System (SRPS).

GOVERNOR LAWRENCE J. HOGAN, JR., has appointed. Board of Trustees of the Maryland State Retirement and Pension System (SRPS). SPRING 2016 VOL. 38 NO. 1 News from the Maryand State Retirement and Pension System MARYLAND STATE RETIREMENT and PENSION SYSTEM SRPS to adopt new option, annuity factors Juy 1, 2017 NEW OPTION AND ANNUITY

More information

Imperial Canadian Bond Pool. Interim Management Report of Fund Performance

Imperial Canadian Bond Pool. Interim Management Report of Fund Performance Imperia Canadian Bond Poo Interim Management Report of Fund Performance for the period ended June 30, 2016 A figures are reported in Canadian doars uness otherwise noted This interim management report

More information

Q 4. Portfolio Review COMPTROLLER S INVESTMENT ADVISORY BOARD

Q 4. Portfolio Review COMPTROLLER S INVESTMENT ADVISORY BOARD Q 4 208 COMPTROLLER S INVESTMENT ADVISORY BOARD Portfoio Review Meeting Date: Apri 6, 209 Texas Treasury Safekeeping Trust Company s Presentation to the Comptroer s Investment Advisory Board August 6,

More information

Newsletter Spring 2009

Newsletter Spring 2009 Newsetter Spring 2009 E L E C T R O N I C D ATA S Y S T E M S 19 9 4 P E N S I O N S C H E M E In This Issue We are peased to introduce the Eectronic Data Systems 1994 Pension Scheme (the Scheme) Newsetter,

More information

Enrollment & Resources Guide

Enrollment & Resources Guide Enrollment & Resources Guide A guide to enrolling through the Plan Web site or by phone to make the connection to the Plan. Enroll online with the Web site Step 1 Log in to ctg401k.com and click on Login

More information

National Insurance for Company Directors

National Insurance for Company Directors CA44 Nationa Insurance contributions series Nationa Insurance for Company Directors This booket gives detaied information about paying Nationa Insurance contributions (NICs) for company directors. It aso

More information

For financial adviser use only. Not approved for use with customers. The Aviva Platform

For financial adviser use only. Not approved for use with customers. The Aviva Platform For financia adviser use ony. Not approved for use with customers. The Aviva Patform Contents Wecome to our guide to the Aviva Patform 4 Due diigence in the patform market 5 Introducing the Aviva Patform

More information

RiverSource Retirement Advisor Variable Annuity

RiverSource Retirement Advisor Variable Annuity RiverSource Retirement Advisor Variable Annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 11/30/2017 and quarter ending 09/30/2017 Current

More information

Disclosure Documents Under Section 404(a)(5) of ERISA for Transamerica Retirement Plan Services Plan Name

Disclosure Documents Under Section 404(a)(5) of ERISA for Transamerica Retirement Plan Services Plan Name Johnson Service Group, Inc. 401(k) Retirement Savings Plan - Contract Employees Disclosure Documents Under Section 404(a)(5) of ERISA for Transamerica Retirement Plan Services Plan Name Johnson Service

More information

Applicant. 2. Type of Requested Credit. l Monthly l Refinance. l Unsecured l To purchase property that will secure your credit

Applicant. 2. Type of Requested Credit. l Monthly l Refinance. l Unsecured l To purchase property that will secure your credit Creditor ("You" means Appicant, et a; and "We" means Creditor) Individua Credit You are reying on your income or assets as we as income or assets from other sources. Appication Date Credit Type Line of

More information

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE Page 1 200 St. Chares Ave., New Oreans, LA 70130 504-561-6124 1-800-223-2060 TRUTH IN SAVINGS DISCLOSURE Account Type: Account #: Date: Free Checking This discosure contains the rues which govern your

More information

Form 1040 and 1040NR, Line 21: Other Income Worksheet 2015

Form 1040 and 1040NR, Line 21: Other Income Worksheet 2015 US Form 00 and 00NR, Line : Other Income Worsheet 0 Name: MARK STARLING SSN: --80 6 8 9 0 6 8 9 0 6 8 9 0 Gaming winnings from Form W-G Form 099-MISC, ines,, and 8 Taxae distriutions from education savings

More information

Source 4 Solutions, LLC 401(k) Plan Disclosure & Comparative Chart for Retirement Plan Participants

Source 4 Solutions, LLC 401(k) Plan Disclosure & Comparative Chart for Retirement Plan Participants Source 4 Solutions, LLC 401(k) Plan Disclosure & Comparative Chart for Retirement Plan Participants All individuals who have the right to direct investments in an employer-sponsored retirement plan are

More information

Payrol l. Navigation Window. Staff Details Module

Payrol l. Navigation Window. Staff Details Module Navigation Window The third tab in the navigation window is Payro. This tab dispays the buttons for any windows invoving wages and time sheets. Staff Detais Modue Atad Data-Fies Modue De Office-Manua 2012

More information

RiverSource Retirement Advisor Variable Annuity

RiverSource Retirement Advisor Variable Annuity RiverSource Retirement Advisor Variable Annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 08/31/2018 and quarter ending 06/30/2018 Current

More information

Vision Benefit Summary

Vision Benefit Summary Rochester Business Aiance Group Number: 373984 Vision Benefit Summary About Your Benefits: Thesedays,moreandmorepeopearemakingsuretheyhaveaccesstoquaityvisioncare. Reguareyeexamsnotonydiagnose vision probems,

More information

2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category)

2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category) 2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category) Vendor* Fund Name Fund Category Total cost (%) Voya 403b Voya Fixed Account - Pre 09/01/2004 Cash/Cash Equivalent 0 Voya 403b Voya

More information

2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider)

2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider) 2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider) Vendor* Fund Name Fund Category Total cost (%) Fidelity Fidelity Money Market Trust Retirement Government Money Market II Portfolio

More information

2017 Assessment of SUNY Retirement Plan Fees (sorted by fee)

2017 Assessment of SUNY Retirement Plan Fees (sorted by fee) 2017 Assessment of SUNY Retirement Plan Fees (sorted by fee) Vendor* Fund Name Fund Category Total cost (%) Voya 403b Voya Fixed Account - Pre 09/01/2004 Cash/Cash Equivalent 0 Voya 403b Voya Fixed Account

More information

Imperial Short-Term Bond Pool. Interim Management Report of Fund Performance

Imperial Short-Term Bond Pool. Interim Management Report of Fund Performance Imperia Short-Term Bond Poo Interim Management Report of Fund Performance for the period ended June 30, 2017 A figures are reported in Canadian doars uness otherwise noted This interim management report

More information

COMPTROLLER S INVESTMENT ADVISORY BOARD. Endowment Portfolio Review

COMPTROLLER S INVESTMENT ADVISORY BOARD. Endowment Portfolio Review COMPTROLLER S INVESTMENT ADVISORY BOARD Endowment Portfoio Review Meeting Date: November 6, 208 Q 2 208 Tabe of Contents 4.............. Asset Aocation Summary 5...Actua vs. Target Aocations 6..............

More information

CIBC Canadian Bond Fund. Annual Management Report of Fund Performance

CIBC Canadian Bond Fund. Annual Management Report of Fund Performance CIBC Canadian Bond Fund Annua Management Report of Fund Performance for the financia year ended December 31, 2015 A figures are reported in Canadian doars uness otherwise noted This annua management report

More information

See the following page for important information about your plan investments.

See the following page for important information about your plan investments. This notice contains important information about changes to the MMC 401(k) Savings and Retirement Plan. Please review it carefully. If you have any questions about the changes to the plan, the plan s investments,

More information

THIS DOCUMENT IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION

THIS DOCUMENT IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION THIS DOCUMENT IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION If you are in any doubt as to the action you shoud take, you are recommended to seek immediatey your own persona financia advice from your

More information

Article III The Depositor s interest in the balance in the Custodial account is non forfeitable.

Article III The Depositor s interest in the balance in the Custodial account is non forfeitable. Form 5305-RA Roth Individua Retirement Custodia Account (Rev. March 2002) Department of the Treasury (Under Section 408(a) of the Interna Revenue Code) Interna Revenue Service The individua whose name

More information

Continuing a great thing Making the City of Memphis Deferred Compensation Plan even better for you

Continuing a great thing Making the City of Memphis Deferred Compensation Plan even better for you Continuing a great thing Making the City of Memphis Deferred Compensation Plan even better for you Together, the City of Memphis and Nationwide Solutions bring employees: Enhanced technology New options

More information

- - Address City State Zip

- - Address City State Zip The Guardian Life Insurance Company of America And its Affiiates and Subsidiaries Enroment/Change Form Page 1 of 6 Guardian Life, P.O. Box 14319, Lexington, KY 40512 Pease print ceary and mark carefuy.

More information

Group Income Protection Flexible Benefits

Group Income Protection Flexible Benefits Group Income Protection Fexibe Benefits Technica Guide Aviva By choosing Aviva, part of the UK s argest insurance group, you benefit from our financia strength. Together with miions of customers wordwide

More information

DENTAL, VISION, LIFE INSURANCE

DENTAL, VISION, LIFE INSURANCE DENTAL, VISION, LIFE INSURANCE The Guardian Life Insurance Company of America And itsaffiiatesand Subsidiaries Enroment/Change Form Page1of6 Guardian Life, P.O. Box 14319, Lexington, KY 40512 Pease print

More information

Imperial Canadian Bond Pool. Annual Management Report of Fund Performance

Imperial Canadian Bond Pool. Annual Management Report of Fund Performance Imperia Canadian Bond Poo Annua Management Report of Fund Performance for the financia year ended December 31, 2016 A figures are reported in Canadian doars uness otherwise noted This annua management

More information

Invest in your future

Invest in your future Investment choices performance report March 31, 2018 The Best of America America s VISION Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

RiverSource Variable Universal Life - New York

RiverSource Variable Universal Life - New York RiverSource Variable Universal Life - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Insurance for month ending 11/30/2017 and quarter

More information

Starter and leaver and similar pension information include forms:

Starter and leaver and similar pension information include forms: Empoyer Hepbook E13(2011) Day-to-day payro This guidance is provided for the very sma number of empoyers who are exempt from the requirement to fie their starter and eaver information and simiar pension

More information

RiverSource RAVA 5 Advantage variable annuity - New York

RiverSource RAVA 5 Advantage variable annuity - New York RiverSource RAVA 5 Advantage variable annuity - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Annuities for month ending 02/28/2018

More information

RiverSource Variable Universal Life IV, RiverSource Variable Universal Life IV Estate Series (ES)

RiverSource Variable Universal Life IV, RiverSource Variable Universal Life IV Estate Series (ES) RiverSource Variable Universal Life IV Estate Series (ES) Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 08/31/2018 and quarter ending 06/30/2018

More information

Effective: January 1, Monthly rates. for individual & family plans. Rate brochure for Region 18

Effective: January 1, Monthly rates. for individual & family plans. Rate brochure for Region 18 Effective: January 1, 2018 Monthy rates for individua & famiy pans Rate brochure for Region 18 This brochure has rate information for Bue Shied medica, denta, vision and individua term ife insurance* coverage

More information

Your company pension scheme

Your company pension scheme Pease take some time to read this guide. It s important you understand what this pension product is, and what the benefits and risks invoved are. Pease keep a copy of this document in a safe pace. If you

More information

Employer Helpbook E13(2013) Day-to-day payroll

Employer Helpbook E13(2013) Day-to-day payroll Empoyer Hepbook E13(2013) Day-to-day payro This guide is intended for the very sma number of empoyers who are exempt from the requirement to fie their starter and eaver information and simiar pension information

More information

Invest in your future

Invest in your future Investment choices performance report December 31, 2017 The Best of America V Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

RiverSource RAVA 5 Advantage variable annuity

RiverSource RAVA 5 Advantage variable annuity RiverSource RAVA 5 Advantage variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 04/30/2018 and quarter ending 03/31/2018 Current

More information

Effective: January 1, Monthly rates. for individual & family plans. Rate brochure for Region 16

Effective: January 1, Monthly rates. for individual & family plans. Rate brochure for Region 16 Effective: January 1, 2018 Monthy rates for individua & famiy pans Rate brochure for Region 16 This brochure has rate information for Bue Shied medica, denta, vision and individua term ife insurance* coverage

More information

RiverSource Variable Second-to-Die Life Insurance

RiverSource Variable Second-to-Die Life Insurance RiverSource Variable Second-to-Die Life Insurance Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 07/31/2018 and quarter ending 06/30/2018 Average

More information

Life, Disability, Dental & Vision Options

Life, Disability, Dental & Vision Options PEBA Standard Insurance Life, Disabiity, Denta & Vision Options Creating a fexibe offering to meet each empoyers needs. Standard Insurance Company Agenda Review current product offering Life & Additiona

More information