At Vulcan Materials Company ( Vulcan ), we are committed to seeking out total reward solutions that Leader of the Year.
|
|
- Scarlett Jenkins
- 5 years ago
- Views:
Transcription
1 Your 401(k) plan is taking a bold new path Your account is moving to Empower Retirement effective September 19, 2018 When it comes to saving, CRUSH IT! Empower named Retirement At Vulcan Materials Company ( Vulcan ), we are committed to seeking out total reward solutions that Leader of the Year. benefit our workforce. In doing so, we are pleased to announce that beginning September 19, 2018, * the Vulcan Materials Company Construction Materials Divisions Hourly Employees Savings Plan Empower helps 8.5 million people save for retirement. ( plan ) will be administered by Empower Retirement. This change is designed to give you more ways to access and manage your retirement account, improve your overall retirement planning experience, and empower you to make the journey to retirement as rewarding as every day after. Same great plan features as before: Same company match schedule currently used. You may refer to your Summary Plan Description for specific match information. Continued access to advisory services to help with investing (Empower Retirement Advisory Services are offered by Advised Assets Group, LLC, a registered investment adviser.) Plus some new, updated or enhanced features at Empower such as: In-plan Roth conversions * 2 3rd annual Mutual Fund Industry Awards, A s of March 31, Information refers to all retirement businesses of Great-West Life & Annuity Insurance Company and its subsidiaries and affiliates, including Great-West Life & Annuity Insurance Company of New York, marketed under the Empower Retirement brand. Roth after-tax contributions to give you more savings options Updated fund line up Mobile app giving you account access at your fingertips (search Empower Retirement in the Apple App Store). The release of the Empower Retirement app is expected in late 2018 for Android users. Enhanced on-line retirement planning tool that estimates your monthly income in retirement, including healthcare expenses Extended service center hours
2 What happens next The transition to Empower is designed to be as smooth and easy as possible. You do not need to do anything at this time unless you want to make changes to your account currently with Alight. Contact Empower at: (833-VMC-401k) vulcan401k.com Retirement representatives are available Monday through Friday, from 7 a.m. to 9 p.m. Central time and Saturdays from 8 a.m. to 4:30 p.m. Central time. Dates and times are subject to change. Please see your plan representative for more information. Get more information about the transition online at vulcan401k.com.
3 What you need to know Transition Your account will automatically transfer to Empower effective September 19, No action is required for the transfer of your: Contribution elections Investment elections Loan or distribution arrangements, if applicable Beneficiary elections Blackout period As a result of this change, beginning September 14, 2018, you will temporarily be unable to check your account balance, transfer or change how your funds are invested, as well as obtain a loan or request a withdrawal or distribution. This period, during which you will be unable to exercise these rights otherwise available under the plan, is called a blackout period. This blackout period will allow for the transfer of the plan s administrative records to Empower. During this period, your funds will remain invested and any earnings, if applicable, will accrue. Whether or not you are planning retirement in the near future, we encourage you to carefully consider how this blackout period may affect your retirement planning, as well as your overall financial plan. Please evaluate your financial circumstances and the appropriateness of your current investments in light of this temporary restriction. More information about the blackout date is included in the Important Notice section. When the blackout period ends the week of September 30, 2018 (October 1 through 5, 2018), you will have full access to your plan account. New fund offerings After the transition, the plan will offer new fund choices. More information about the investment options will be available on the website and mobile app. Paying back loans in your account If you are retired or no longer employed by Vulcan Materials and are currently repaying a loan via bank drafts from a personal bank account, your banking information will NOT transfer to Empower. Please contact Empower after the move to set up automatic payments. A special note to those not actively employed by Vulcan Materials Company You are receiving this announcement because you have a balance in the Vulcan Materials Company Construction Materials Divisions Hourly Employees Savings Plan.
4 How your account will transfer As part of the move to Empower, your account will transfer as shown in the table below. If you prefer to have your assets invested in funds other than how they would be mapped below, simply change your current balance and future contribution elections (if you are an active employee) by contacting Alight Financial Solutions ( Alight ) no later than 4 p.m. Central time on September 14, You can also make changes after the conversion is complete. This transfer may result in an increase or decrease of your investment risk exposure and may or may not be consistent with your target strategy or investment style. You are urged to review your account prior to and/or after the blackout period and make adjustments to your asset allocation if necessary. BALANCES IN THESE FUNDS AUTOMATICALLY TRANSFER TO MetLife GAC MetLife GAC State Street Intermediate Gov/Credit Bond Index SL State Street S&P 500 Index SL State Street Russell Large Cap Value Index SL State Street Russell Small Cap Value Index NL A State Street Russell Large Cap Growth Index SL State Street Russell Small Cap Growth Index NL A State Street International Index SL State Street Target Retirement Income SL Cl I State Street Target Retirement 2020 SL Cl I State Street Target Retirement 2025 SL Cl I State Street Target Retirement 2030 SL Cl I State Street Target Retirement 2035 SL Cl I State Street Target Retirement 2040 SL Cl I State Street Target Retirement 2045 SL Cl I State Street Target Retirement 2050 SL Cl I State Street Target Retirement 2055 SL Cl I Vulcan Materials Company Patriot Transportation Holding Inc. State Street U.S. Bond Index NL K State Street S&P 500 Index NL N State Street S&P 500 Index NL N State Street Russell Small/Mid Cap Index NL K State Street S&P 500 Index NL N State Street Russell Small/Mid Cap Index NL K State Street Global All Cap Equity ex U.S. Index NL K State Street Target Retirement K State Street Target Retirement 2020 K State Street Target Retirement 2025 K State Street Target Retirement 2030 K State Street Target Retirement 2035 K State Street Target Retirement 2040 K State Street Target Retirement 2045 K State Street Target Retirement 2050 K State Street Target Retirement 2055 K Vulcan Materials Company Patriot Transportation Holding Inc.* *This investment is closed to new contributions and investments.
5 Plan investment options The following is a complete list of investment options that will be offered in the plan beginning the week September 30, More information about all of your investment options will be available after the move at vulcan401k.com. FUND NAME MetLife GAC State Street U.S. Bond Index NL K Baird Core Plus Bond Instl (BCOIX) SSgA Treasury Inflation Protected Securities Index NL C Wellington World Bond Series 2 Vanguard Equity Income Adm (VEIRX) State Street S&P 500 Index NL N T. Rowe Price Instl Large Cap Core Growth (TPLGX) AllianceBernstein Discovery Value Z (ABSZX) State Street Russell Small/Mid Cap Index NL K Janus Henderson Triton N (JGMNX) State Street Global All Cap Equity ex U.S. Index NL K American Funds EuroPacific Growth R6 (RERGX) FUND NAME State Street Target Retirement K (SSFOX) State Street Target Retirement 2015 K (SSBHX) State Street Target Retirement 2020 K (SSBOX) State Street Target Retirement 2025 K (SSBSX) State Street Target Retirement 2030 K (SSBYX) State Street Target Retirement 2035 K (SSCKX) State Street Target Retirement 2040 K (SSCQX) State Street Target Retirement 2045 K (SSDEX) State Street Target Retirement 2050 K (SSDLX) State Street Target Retirement 2055 K (SSDQX) State Street Target Retirement 2060 K (SSDYX) Patriot Transportation Holding Inc. (PATI)* Vulcan Materials Company (VMC) DFA Emerging Markets Core Equity I (DFCEX) *This investment is closed to new contributions and investments. Empower Retirement Advisory Services Personalized advice, retirement evaluations and investment management are available with Online Advice or the Professional Management Program. Online Advice provides investment recommendations that you can implement yourself. The Professional Management Program manages your account for you. If you are enrolled in a managed account through Alight, and do not cancel your enrollment prior to the blackout period, you will be enrolled in the Professional Management Program following the transition to Empower. For information about these services, including applicable fees, please visit the website. There is no guarantee provided by any party that participating in any of the Advisory Services will result in a profit or that the related account will outperform a self-managed portfolio invested without assistance.
6 After the move to Empower, access your account in multiple ways: vulcan401k.com will be your new and robust website, offering 24/7-hour access to your account, retirement calculators and state-ofthe-art planning tools once your plan goes live the week of September 30, (833-VMC-401K) is your new toll-free plan phone number that will give you access to service representatives ready to assist you. Retirement representatives are available Monday through Friday, from 7 a.m. to 9 p.m. Central time (excluding most financial market holidays) and Saturdays from 8 a.m. to 4:30 p.m. Central time. Empower Retirement mobile app can be downloaded from the Apple App Store. The release of the Empower Retirement app is expected in late 2018 for Android users. Get more information about the transition online at vulcan401k.com.
7 Important notice concerning your rights in the Vulcan Materials Company Construction Materials Divisions Hourly Employees Savings Plan July 30, 2018 This notice is to inform you that your account in the Vulcan Materials Company Construction Materials Divisions Hourly Employees Savings Plan will transfer to Empower Retirement effective September 19, As a result of this change, the plan will enter a blackout period which will temporarily restrict your ability to access your account. The temporary blackout period will begin at 4 p.m. Central time on September 14, The blackout period will be lifted the week of September 30, 2018 (October 1 through 5, 2018). During this period, there will be restrictions on transactions, as well as a period of time in which you will have no access to your account. You will receive additional communication when the plan is live. DEADLINES AT ALIGHT August 28, 2018 LAST DAY: to contact Alight to request paperwork for transactions including hardship withdrawals and rollovers into the plan. September 6, 2018 Alight will accept paperwork for transaction requests. September 14, 2018 to request deferral changes, self-directed brokerage transactions, investment election changes, as well as the last day Alight will accept manual loan payments or rollover- in checks and paperwork for any other applicable transactions. Transition to Empower Retirement You will have complete access to your account at Empower the week of September 30, 2018 (October 1 through 5, 2018). Before the blackout period begins, it is very important that you review and consider the appropriateness of your current investments because you will be unable to transfer or diversify those investments during the blackout period. For your long-term retirement security, you should give careful consideration to the importance of a well-balanced and diversified investment portfolio, taking into account all your assets, income and investments. You should be aware that there is a risk to holding substantial portions of your assets in the securities of any one company. Individual securities tend to have wider price swings, both up and down in short periods of time, than investments in diversified funds. Stocks that have wide price swings might have a large loss during the blackout period, and you would not be able to direct the sale of such stocks from your account during the blackout period. To review your plan account and request any changes to the account s investment allocation before the blackout period begins, contact Alight at or access your account online at yourbenefitsresources.com/vulcan. You will be notified by Empower when the blackout period is lifted. To confirm the status of the blackout period, contact Empower at (833-VMC-401K) or access the website at vulcan401k.com.
8 Get more information about the transition online at vulcan401k.com. Carefully consider the investment objectives, risks, fees and expenses of the annuity and/or the investment options. Contact us for a prospectus, a summary prospectus and disclosure document, as available, containing this information. Read them carefully before investing. You could lose money by investing in a Money Market Fund. Although the fund seeks to preserve the value of your investment at $1 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund s sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. Securities offered or distributed through GWFS Equities, Inc., Member FINRA/SIPC and a subsidiary of Great-West Life & Annuity Insurance Company. Great-West Financial, Empower Retirement and Great-West Investments TM are the marketing names of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: New York, NY, and their subsidiaries and affiliates, including registered investment advisers Advised Assets Group, LLC and Great-West Capital Management, LLC. GWFS Equities, Inc. registered representatives may also be investment adviser representatives of GWFS affiliate, Advised Assets Group, LLC. Representatives do not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client unless explicitly described in writing. GWFS Equities, Inc., or one or more of its affiliates, may receive a fee from the investment option provider for providing certain recordkeeping, distribution and administrative services. Core investment options offered through a variable annuity, a group fixed and variable deferred annuity issued by GWL&A or, in New York, by GWL&A of NY, mutual funds, separately managed accounts, and/or collective trust funds. Diversification does not ensure a profit and does not protect against loss in declining markets. A collective trust fund is not a mutual fund and is exempt from SEC registration. Designed for and exclusively sold to qualified retirement plans and their participants, the funds are not available to individual retail investors. Separately managed accounts are not registered investment products but separate accounts created specifically for the plan. Separately managed funds are not required to file a prospectus or registration statement with the SEC and, accordingly, neither is available. IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes, are hypothetical in nature. They do not reflect actual investment results and are not guarantees of future results. The results may vary with each use and over time. Healthcare costs and projections, if applicable, are provided by HealthView Services. HealthView Services is not affiliated with GWFS Equities, Inc. Empower Retirement does not provide healthcare advice. A top peer is defined as an individual who is at the 90th percentile of the selected age band, salary range and gender. App Store is a trademark of Apple Inc., registered in the U.S. and other countries. Alight Financial Solutions is not affiliated with GWFS Equities, Inc. or its parent company or affiliates. Not a Deposit Not FDIC Insured Not Bank Guaranteed Funds May Lose Value Not Insured by Any Federal Government Agency Brokerage Products: NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE ERPC-SOX AM Great-West Life & Annuity Insurance Company. All rights reserved.
Your retirement plan is taking a bold new path
Your retirement plan is taking a bold new path Your account is moving to Empower Retirement effective Monday, October 1, 2018 Empower named Retirement Leader of the Year. * Empower helps 8.5 million people
More informationYour retirement plan is taking a bold new path
Your retirement plan is taking a bold new path Your account is moving to Empower Retirement effective December 13, 2018 Empower named Retirement This change to your Elliot Health System 403(b) Plan's recordkeeping
More informationBen E. Keith Company Retirement Plans. Welcome to Empower Retirement!
Ben E. Keith Company Retirement Plans Welcome to Empower Retirement! Agenda Who is Empower Retirement? Your new 401(k) plan at Empower Investment options Transfer of your Ben E. Keith Profit Sharing Plan
More informationImportant changes to your Danfoss Power Solutions Employees Savings Plan are coming!
Important changes to your Danfoss Power Solutions Employees Savings Plan are coming! Effective January 2, 2018, the Danfoss Power Solutions Employees Savings Plan, among other Danfoss company savings plans,
More informationWelcome to Empower Retirement
Danfoss USA Savings Plan Welcome to Empower Retirement Add REC Title Add REC Name Agenda Who is Empower Retirement? Transfer of your current savings plan Features of your plan at Empower Investment options
More informationFrequently Asked Questions & Empower: About
Frequently Asked Questions & Empower: About 1. Q. Who is Empower Retirement? A. Empower Retirement was established in 2014 through the merger of three financial industry leaders JPMorgan Retirement Plan
More informationYOUR BOARDING PASS TO THE FUTURE
BlueRetirement: YOUR BOARDING PASS TO THE FUTURE In August, your JetBlue Retirement Plan will transfer recordkeeping and other administrative and investment-related services to Empower Retirement. You
More informationWelcome to Empower Retirement!
Welcome to Empower Retirement! Your account has moved to Empower see inside for details about the new tools you can use! P.O. BOX 173764 DENVER, CO 80217-3764 Helping you pursue the future you want NOW
More informationRetirement plan changes
Retirement plan changes A message from your employer The Connolly ihealth 401(k) retirement plan will be moving from Wells Fargo to Empower Retirement effective January 4, 2016, and will be called the
More informationYOUR RETIREMENT PLAN IS ON THE MOVE
YOUR RETIREMENT PLAN IS ON THE MOVE Your future is the only one you ve got and we want to help you make the most of it. That s why we re pleased to announce that the Baylor Health Care System (BHCS) Retirement
More informationTransition FAQs. This document will help you understand what s changing with the Cabela s Inc. 401(k) Savings Plan.
Transition FAQs This document will help you understand what s changing with the Cabela s Inc. 40(k) Savings Plan. What s happening? The Cabela s Inc. 40(k) Savings Plan and the Bass Pro, LLC 40(k) Plan
More informationTransition FAQs. This document will help you understand what s changing with the Bass Pro Group, LLC 401(k) Plan.
Bass Pro Group, LLC 40(k) Plan Transition FAQs This document will help you understand what s changing with the Bass Pro Group, LLC 40(k) Plan. What s happening? The Bass Pro, LLC 40(k) Plan and the Cabela
More informationGet ready Your Plan is on the move!
Get ready Your Plan is on the move! November 2018 We are pleased to announce that the is moving to a new recordkeeper, Voya Financial this January. Bass Pro Shops and Voya have prepared this newsletter
More informationCLEARED FOR LANDING: WELCOME TO EMPOWER
CLEARED FOR LANDING: WELCOME TO EMPOWER With the arrival of BlueRetirement, recordkept through Empower, it s important to learn your next steps. Your CHECKLIST for getting started: Log on to blueretirement.com
More informationEmployee Savings Plan. 401(k) Transition Guide
Employee Savings Plan 401(k) Transition Guide At Newell Brands, we re committed to making life better every day. That s why we re introducing the Newell Brands Employee Savings Plan, a new 401(k) plan
More informationCORE. The advantages of choosing the Commonwealth of Massachusetts Defined Contribution CORE Plan. Office of the State Treasurer and Receiver General
CORE C O N N E C T I N G O R G A N I Z A T I O N S T O R E T I R E M E N T The advantages of choosing the Commonwealth of Massachusetts Defined Contribution CORE Plan Office of the State Treasurer and
More informationNaturally Nebraska Two plans working together to help you reach your goals.
A New Service Provider for the Nebraska Public Power District 401(k) and 457(b) Plans Naturally Nebraska Two plans working together to help you reach your goals. Effective April 5, 2019, Empower Retirement
More informationRetirement plan changes
Retirement plan changes A message from your employer The ihealth Technologies, Inc. 401(k) Plan will be moving from Voya to Empower Retirement effective January 4, 2016, and will be called the Cotiviti
More informationComputer Task Group, Inc. 401(k) Retirement Plan TRANSITION GUIDE. Helping you build a reliable plan for your future.
Computer Task Group, Inc. 401(k) Retirement Plan TRANSITION GUIDE Helping you build a reliable plan for your future. Computer Task Group, Inc. 401(k) Retirement Plan No matter where you are in your journey,
More informationGet ready Your Plan is on the move!
Get ready Your Plan is on the move! November 2018 The is merging with the Bass Pro Group, LLC 401(k) Plan this January. Bass Pro Shops and Cabela s will soon have a unified 401(k) retirement savings program
More informationYour choice, simplified.
CalPERS Supplemental Income Plans Your choice, simplified. Learn about the new investment lineup and Plan redesign coming October 2013 Important Information Regarding Changes to your Placer County 401(k)
More informationImportant news about your LAUSD 457(b) Deferred Compensation Plan
Important news about your LAUSD 457(b) Deferred Compensation Plan Los Angeles Unified School District 457(b) Deferred Compensation Plan November 2016 Your LAUSD 457(b) Deferred Compensation Plan will be
More informationRETIRE WELL VERMONT STATE DEFINED CONTRIBUTION PLAN TRANSITION UPDATE JANUARY 2018 INCLUDED IN THIS NEWSLETTER:
TRANSITION UPDATE JANUARY 2018 STATE DEFINED CONTRIBUTION PLAN RETIRE WELL VERMONT INCLUDED IN THIS NEWSLETTER: Key Dates Reminder 2 Investment Details 3 On-site Guidance 4 Questions and Answers 5 Vermont
More informationOKLAHOMA MUNICIPAL RETIREMENT FUNDTM. A plan for today. Retirement possibilities for tomorrow.
OKLAHOMA MUNICIPAL RETIREMENT FUNDTM A plan for today. Retirement possibilities for tomorrow. TM SET UP YOUR PLAN ACCOUNT ACCESS TODAY You can access your account in a variety of ways. Whether online,
More informationsmart Plan Overview Massachusetts Deferred Compensation SMART Plan PARTICIPATE Office of the State Treasurer and Receiver General
smart S A V E M O N E Y A N D R E T I R E T O M O R R O W PARTICIPATE Plan Overview Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer and Receiver General save for the future
More informationLOUISIANA Public Employees Deferred Compensation Plan
LOUISIANA Public Employees Deferred Compensation Plan PLAN FEATURES AND HIGHLIGHTS THE LOUISIANA PUBLIC EMPLOYEES 457(B) DEFERRED COMPENSATION PLAN (PLAN) IS A POWERFUL TOOL TO HELP YOU REACH YOUR RETIREMENT
More informationFuture. Working Together For Your. Montefiore Medical Center Retirement Program Transition Guide
Working Together For Your Future Montefiore Medical Center Retirement Program Transition Guide One-on-one Consultations Target Date Funds Mobile Tools and Resources Get ready for the changes ahead Fidelity
More informationYour life. Your future. Your options.
Your life. Your future. Your options. Whether by chance or by choice, you have options. Explore them with Empower Retirement. Corporate Retirement Plan Participant Brochure You want to retire someday or
More informationsmart Plan Overview Massachusetts Deferred Compensation SMART Plan PARTICIPATE Office of the State Treasurer and Receiver General
smart S A V E M O N E Y A N D R E T I R E T O M O R R O W PARTICIPATE Plan Overview Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer and Receiver General save for the future
More informationCalPERS SCP POFF Rollover. Your choice, simplified. Welcome Kit
CalPERS SCP POFF Rollover Your choice, simplified. Welcome Kit Table of Contents Understanding Your CalPERS SCP POFF Rollover 2 Getting Started What s your investment strategy? Introducing your fund options
More informationBlackRock. LifePath Index Funds. An index-based Target Date approach, designed to help keep retirement savings on track
BlackRock LifePath Index Funds An index-based Target Date approach, designed to help keep retirement savings on track John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company
More informationImportant information about your investment options, fees, and other expenses for the Aon Savings Plan annual fee disclosure statement
Important information about your investment options, fees, and other expenses for the Aon Savings Plan annual fee disclosure statement The Aon Savings Plan (the Plan ) is a great way to build savings for
More informationTRANSITION OF THE NAPA PROFIT SHARING PLANS TO PRUDENTIAL RETIREMENT: NOTICE OF BLACKOUT PERIOD AND INVESTMENT CHANGES
TRANSITION OF THE NAPA PROFIT SHARING PLANS TO PRUDENTIAL RETIREMENT: NOTICE OF BLACKOUT PERIOD AND INVESTMENT CHANGES We re moving the recordkeeping of the NAPA Profit Sharing Plans from Voya to Prudential
More informationYour future is in your hands.
Saving today. Planning for tomorrow. Your future is in your hands. We always look for innovative ways to improve the value of plan participation in the State of Michigan 401(k) and 457 Plans ( Plans ).
More informationReady, Set, Retire. Administered by
Ready, Set, Retire Administered by Agenda Phase One: Save Building a Balanced Retirement plan The Benefits of Saving Through the Texa$aver SM Program Special 457 Catch-Up Phase Two: Distribution Options
More informationRetirement Readiness. Jennifer Schuessler Regional Sales Director. FOR INSTITUTIONAL USE ONLY. Not for Public Distribution.
Retirement Readiness Jennifer Schuessler Regional Sales Director The historic 401(k) dialogue Investment lineup performance review Measuring participation and deferral Post-PPA plan design $ First-generation
More informationPRAP. Inside, you will find the following:
Inside, you will find the following: A transition calendar. Information on how your current PDAP assets will be transferred to the new PRAP investments. Additional information about the PRAP investment
More informationJoint Plumbing Industry Board Plumbers Local Union No.1 Trust Funds
Joint Plumbing Industry Board Plumbers Local Union No.1 Trust Funds Welfare Fund Trade Education Fund Additional Security Benefit Fund 401(k) Savings Plan Michael Apuzzo, Co-Chairman - Labor Walter Saraceni,
More informationPlan website: What s Inside. 1. About Fees and Expenses
Fee Disclosure Statement Important Information About Your Options,, and Other Expenses for the Packaging Corporation of America Retirement Savings Plan for Salaried Employees Effective 03/01/2018 The Packaging
More informationGREAT-WEST SMART TRACK ADVISOR
Great-West Secure Income Series of Living Benefits GREAT-WEST SMART TRACK ADVISOR Variable Annuity More income Lower cost Better protection More income, lower costs, better protection The Great-West Smart
More informationEffective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity:
Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity: Great-West Loomis Sayles Bond Fund will be renamed to the Great-West Multi-Sector
More informationYOUR GUIDE TO GETTING STARTED
Savings Plus Plan, Lam Research 401(k) Invest in your retirement and yourself today, with help from Lam Research and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what
More informationBlackRock. LifePath Index Funds. An index-based Target Date approach, designed to help keep retirement savings on track
BlackRock LifePath s An index-based Target Date approach, designed to help keep retirement savings on track John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York
More informationLife is a Journey. The University System of Maryland Retirement Plans
Life is a Journey R E T I R E M E N T A D E S T I N AT I O N The University System of Maryland Retirement Plans Fidelity Can Help Your Every Step of the Way. Online Log on to netbenefits.com/usm the home
More informationRetirement Redesign Decision Guide SPRING 2018
Retirement Redesign Decision Guide SPRING 2018 Background In 2009, the IRS imposed new requirements on 403(b) plans. The new rules required elaborate coordination among a plan s various service providers
More informationREADY 2018 ENROLLMENT GUIDE. Save today. Enjoy tomorrow. ONL
READY 2018 ENROLLMENT GUIDE Save today. Enjoy tomorrow. ONL Table of Contents Plan Details (eligibility, contributions).... 3 Borrowing (loan details).... 8 Withdrawals (in-service, hardship, termination)...
More informationCITY AND COUNTY OF BROOMFIELD MONEY PURCHASE PLAN RETIREMENT GUIDE FOR GENERAL EMPLOYEES
CITY AND COUNTY OF BROOMFIELD MONEY PURCHASE PLAN RETIREMENT GUIDE FOR GENERAL EMPLOYEES MONEY PURCHASE PLAN UNPREDICTABILITY It s the one thing about the future we can all agree on. But while it s true
More informationA great way to save for your future
AR DIAMOND PLAN CHOICE COMPOUNDING CONSOLIDATION CONTROL A great way to save for your future 501-301-9900 866-271-3327 MYPLAN.VOYA.COM Arkansas Diamond Deferred Compensation Plan Welcome to the AR Diamond
More informationEmpower Retirement. Clarity in a Complex World: Plan Fee Disclosure for Plan Fiduciaries
Empower Retirement Clarity in a Complex World: Plan Fee Disclosure for Plan Fiduciaries Fee Disclosure County of Tulare California Deferred Compensation Plan 88038-01 As of March 31, 2015 Page 1 of 16
More informationYour guide to upcoming changes to your 401(k) Plan Farm Credit Foundations Defined Contribution/401(k) Plan
Your guide to upcoming changes to your 401(k) Plan Farm Credit Foundations Defined Contribution/401(k) Plan John Hancock Retirement Plan Services, LLC and Farm Credit Foundations are not affiliated and
More informationThe Archdiocese of New Orleans 401(k) Plan. A great way to save for your future
The Archdiocese of New Orleans 401(k) Plan A great way to save for your future A: The answer is b) 33%. That means you ll have to save money on top of Social Security to fund your retirement. Welcome to
More informationPlan Highlights. Reaching the Right Place with the Bon Ton Stores, Inc. Retirement Contribution Plan.
Plan Highlights Reaching the Right Place with the Bon Ton Stores, Inc. Retirement Contribution Plan. 1 How to start reaching the Right Place. Reaching the Right Place Start Saving Early This Plan Highlights
More informationPCL Construction Enterprises, Inc Investment Performance as of 02/28/2018
PCL Construction Enterprises, Inc. - 9452-0 Investment Performance as of 02/28/208 Current performance may be lower or higher than performance data shown. Performance data quoted represents past performance
More informationWorkplace Education Series
Making the Most of Your Workplace Savings MGM Benefits Group and Financial Benefit Services Richardson, TX Maximize your retirement savings opportunities Let s explore: Steps to help you make the most
More informationThe UPMC Savings Plan: Information about your investment options, fees, and other expenses
UPMC Annual Fee Disclosure Notice January 2018 The UPMC Savings Plan: Information about your investment options, fees, and other expenses The UPMC Savings Plan (Savings Plan or Plan ) is a great way to
More informationKern County 457 Deferred Compensation Plan Important information about your Plan
Plan. Save. Grow. Kern County 457 Deferred Compensation Plan Important information about your Plan The Kern County Deferred Compensation Plan is Transitioning to Voya Financial Your future retirement depends
More informationAT&T Retirement Savings Plan AT&T Savings & Security Plan
SMM/Prospectus Supplement & Blackout Notice IMPORTANT BENEFITS INFORMATION AT&T Retirement Savings Plan AT&T Savings & Security Plan Summary of Material Modifications and Important Notice Concerning Your
More informationRetirement is about being able to do what you want
Plan Highlights Retirement is about being able to do what you want when you re ready to stop working. TEAMSTERS-NATIONAL 401(k) SAVINGS PLAN Sharing the work, sharing the rewards. Whether you plan on traveling,
More informationTRANSITION OF THE WIPRO LIMITED 401(K) PLAN TO PRUDENTIAL RETIREMENT: NOTICE OF BLACKOUT PERIOD AND INVESTMENT CHANGES
TRANSITION OF THE WIPRO LIMITED 401(K) PLAN TO PRUDENTIAL RETIREMENT: NOTICE OF BLACKOUT PERIOD AND INVESTMENT CHANGES We re moving the recordkeeping of the Wipro Limited 401(k) Plan from Principal Financial
More informationGREAT-WEST CAPITAL CHOICE
GREAT-WEST CAPITAL CHOICE Index-Linked Annuity Take greater control of your financial future Any guarantees are subject to the terms and conditions of the contract and the claims-paying ability of the
More informationMontgomery County Public Schools Hendershot/Lincoln Investment Plan Transition to Fidelity
Montgomery County Public Schools Hendershot/Lincoln Investment Plan Transition to Fidelity At Montgomery County Public Schools, we re committed to offering you resources to help you map out your retirement
More informationGet to know your retirement plan!
Get to know your retirement plan! The ABM 401(k) Employee Savings Plan Planning and investing for retirement can help you pursue a more secure financial future for yourself and your family. That s why
More informationMutual fund changes coming to the Defined Contribution Plan.
Smith College Mutual fund changes coming to the Defined Contribution Plan. Smith College is committed to providing you with a competitive Defined Contribution Plan that offers an opportunity to shape your
More informationsmart Distribution Options Massachusetts Deferred Compensation SMART Plan PARTICIPATE Office of the State Treasurer and Receiver General
smart S A V E M O N E Y A N D R E T I R E T O M O R R O W PARTICIPATE Distribution Options Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer and Receiver General Live Your Dreams
More informationAnnouncing Changes to Wesleyan University s 403(b)(7) Retirement Plan
Announcing Changes to Wesleyan University s 403(b)(7) Retirement Plan Fidelity Investments and TIAA Calendar of Events 21 Whether your retirement is right around the corner or years away, continue to closely
More informationGREAT-WEST SMART TRACK VARIABLE ANNUITIES
GREAT-WEST SMART TRACK VARIABLE ANNUITIES Income Strategy Retirement income for life guaranteed The information contained within this brochure applies to both the Great-West Smart Track II 5 Year Variable
More informationPLAN LIKE FOR YOU AND YOURS
U S A N A H E A L T H S C I E N C E S 4 0 1 ( k ) P L A N PLAN LIKE FOR YOU AND YOURS Welcome to Fidelity Investments : A guide to the transition ahead At USANA Health Sciences, Inc., we re committed to
More informationHESS CORPORATION EMPLOYEES SAVINGS PLAN
HESS CORPORATION EMPLOYEES SAVINGS PLAN TRANSITION GUIDE JANUARY 2017 Guiding you through the exciting changes ahead The Hess Corporation Employees Savings Plan is a 401(k) plan that helps provide retirement
More informationCounty of Los Angeles 401(k) Savings Plan. P lanning. RETIREMENT Guide. (800)
County of Los Angeles 401(k) Savings Plan P lanning RETIREMENT Guide 2 www.countyla.com (800) 947 0845 Dear County of Los Angeles Employee: Even for the most financially savvy among us, planning for retirement
More informationWelcome to the CenterPoint Energy Savings Plan
Welcome to the CenterPoint Energy Savings Plan Quick Guide The CenterPoint Energy Savings Plan is a valuable benefit designed to help support your retirement savings strategy. This guide provides highlights
More informationTO FOCUS ON RETIREMENT
The Right Time TO FOCUS ON RETIREMENT Equian LLC Retirement Savings Plan Enrollment Overview REVERSED HEADLINE PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA
More informationYour choice, simplified.
CalPERS Supplemental Income Plans Your choice, simplified. Peace Officers & Firefighters (POFF) Supplemental Plan Termination We are CalPERS CalPERS has been delivering pension and health benefits to California
More informationFUTURE. to work for YOU
Your Guide for the Transition to Fidelity Putting your FUTURE to work for YOU California State University Tax Sheltered Annuity (TSA) Program Important notice regarding your transition to Fidelity: Participant
More informationTAKE CHARGE OF YOUR FUTURE
TAKE CHARGE OF YOUR FUTURE LOYOLA HIGH SCHOOL OF LOS ANGELES 403(b) PLAN ENROLLMENT OVERVIEW 4Steps to retirement preparation Reaching your retirement goals can take a lot of preparation. As a general
More informationJJF Management Services Inc. 401(k) Plan
Enrollment overview JJF Management Services Inc. 401(k) Plan We all have hopes and dreams for the future. Planning your route to retirement takes preparation. In order to determine how much to contribute
More informationYour Retirement. Plan smart.
Your Retirement. Plan smart. Town of Manchester Money Purchase Pension Plan Changes coming to your retirement Plan Ready. Set. Save. The Town of Manchester is committed to providing you with a defined
More information457 Deferred Compensation Plan
457 Deferred Compensation Plan E M P L O Y E E S E R V I C E S A G E N C Y EMPLOYEE BENEFITS A S S E R V I N G I T Y Y O U Y O U S E R V E O U R C O M M U N Guiding You Toward Retirement Readiness 457
More informationEnrollment Overview. for SoutheastHEALTH Retirement Plan. Prepare for the next chapter in life
Prepare for the next chapter in life The Difference is How You re Treated More information available at www.sehealthretirement.com Enrollment Overview for SoutheastHEALTH Retirement Plan Products and financial
More informationIndustrial Security Integrators, Saving for retirement may be the easiest part of your day.
Industrial Security Integrators, Saving for retirement may be the easiest part of your day. Welcome to the plan. RELAX, YOU VE GOT COMPANY ON THE ROAD TO RETIREMENT. No matter where you are on the road
More informationCheck in to. your future. Enrollment Overview Crestline Hotels & Resorts, LLC Retirement and Savings Plan
Check in to your future Enrollment Overview Crestline Hotels & Resorts, LLC Retirement and Savings Plan Check in to your future! You spend your time every day caring for our guests. But are you taking
More informationSchwab OneSource Variable Annuity New York Investment Performance as of 12/31/2018
Schwab OneSource Variable Annuity New York - 9000609-06 Investment Performance as of 2//208 Current performance may be lower or higher than performance data shown. Performance data quoted represents past
More informationLast Name First Name MI Social Security Number
Incoming Contract Exchange/Rollover Exchange/Direct Rollover 403(b) Plan Capital Health Retirement Savings & Investment Plan 95812-01 Do not send payment with this form. Once your rollover is approved,
More informationState of Nevada Deferred Compensation Plans FREQUENTLY ASKED QUESTIONS
NEW PLAN STRUCTURE The consolidation to a single provider of investment and services, Voya Retirement Insurance and Annuity Company (VRIAC), will help make it easier for you to understand and manage your
More informationRR DONNELLEY SAVINGS PLAN
RR DONNELLEY SAVINGS PLAN Annual Fee Disclosure Statement as of May 2, 2016 Important Information About Your Investment Options, Fees, and Other Expenses for the RR Donnelley Savings Plan This document
More informationFocus on investing for your future
Focus on investing for your future Read on to learn about important fund changes coming to the Drexel retirement plans. BBBBCZPJ 042011 First-Class U.S. Postage PAID Vanguard Participant Education P.O.
More informationIntroducing the AfterTax Roth Contribution. Option. October 2017
Introducing the AfterTax Roth Contribution Option October 2017 Today s Agenda The after-tax Roth contribution option Why the after-tax Roth contribution option may be right for you Comparing after-tax
More informationCONOCOPHILLIPS SAVINGS PLAN Plan Number Plan Information as of 05/30/2018
CONOCOPHILLIPS SAVINGS PLAN Plan Number 092538 Plan Information as of 05/30/2018 This legally required notice includes important information about the investment options under your retirement plan. You
More informationThe Prudential SmartSolution IRA. An easy way to save for retirement
The Prudential SmartSolution IRA An easy way to save for retirement 1 Individual Retirement Accounts (IRAs) are retirement accounts that you can set up on your own, even if you participate in other employer
More informationLast Name First Name MI Social Security Number
Participant Enrollment/Employer Transfer State of South Carolina Salary Deferral 401(k) Plan and Trust State of South Carolina 457 Deferred Compensation Plan and Trust Participant Information 98955-01
More informationChanges to the Plan 10/1/2018 Changes to the Plan 10/1/2018
Changes to the Plan 10/1/2018 Changes to the Plan 10/1/2018 1 Wesleyan University's 403(b)(7) Retirement Plan Changes 10/1/2018 Wesleyan University is pleased to introduce a new investment lineup to help
More informationwelcome to the Fortive Retirement Savings Plan No matter where you are in your journey, we can help you map out the retirement you envision.
welcome to the Fortive Retirement Savings Plan No matter where you are in your journey, we can help you map out the retirement you envision. A Guide to the Transition Ahead We re committed to offering
More informationThe George Washington University Retirement Plans. How to get started
The George Washington University Retirement Plans How to get started 11602_01_BRO_GWU_AllPlans.indd 1 Table of Contents Why Save 3 Plans at a Glance 4 Approved Investment Providers 7 How to Enroll 8 Provider
More informationGreat-West SecureFoundation(R) Bal ETF A
The volatility, when shown, Moderate The volatility measure will always be displayed. If the Moderate Quality Objective & Strategy The investment seeks long-term capital appreciation and income. The fund
More informationMinnesota State Colleges & Universities
Minnesota State Colleges & Universities Planning For Retirement The Minnesota State Colleges and Universities system is an Equal Opportunity employer and educator. Today s Agenda Minnesota State Colleges
More informationA great way to save for your future
J.M. Huber Corporation 401(k) Savings Plan A great way to save for your future Plan Highlights A: The answer is b) 36.5%. That means you ll have to save money on top of Social Security to fund your retirement.
More informationEnrollment Overview. Heart of CarDon LLC 401(k) Plan
Enrollment Overview Heart of CarDon LLC 401(k) Plan RETIREMENT PLAN ADMINISTRATIVE AND RECORDKEEPING SERVICES PROVIDED BY MCCREADY AND KEENE, INC., A ONEAMERICA COMPANY Family caring for Family As an employee
More informationThe George Washington University Retirement Plans. How to get started
The George Washington University Retirement Plans How to get started Table of Contents Why Save 3 Plans at a Glance 4 Approved Investment Providers 7 How to Enroll 8 Provider Fact Sheets 9 Investment Education
More informationWorking for Your Future
Working for Your Future Valero Energy Corporation Thrift Plan Highlights Enroll Today Congratulations! You are now eligible to participate in the Valero Energy Corporation Thrift Plan (the Thrift Plan
More informationWhat s Inside. 1. About Fees and Expenses. 2. The Plans Investment Options 3. Investment-Related Information 4. Terms You Should Know
Important Information About Your Investment Options, Fees, and Other Expenses for the Accenture Retirement Savings Plans (the Plans ) Annual Fee Disclosure Statement The Accenture United States Retirement
More information404a-5 Plan & Investment Notice
404a-5 Plan & Investment Notice Saving for retirement is an important part of your financial planning. And your company-sponsored retirement plan with John Hancock is a convenient way to help you save
More information