John Hancock and Campbell Clinic, P.C. are not affiliated and are not responsible for the liabilities of the other.
|
|
- Gary Harrison
- 5 years ago
- Views:
Transcription
1 PLAN FOR TOMORROW Make a smart decision about your retirement today John Hancock and Campbell Clinic, P.C. are not affiliated and are not responsible for the liabilities of the other. John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as John Hancock.
2 Your plan highlights ELIGIBILITY REQUIREMENTS 1 year of service & 1,000 hours CATCH-UP CONTRIBUTIONS Yes, participants age 50 or older by 12/31/18 can contribute an additional $6,000 for a total contribution of $24,500 in 2018 PLAN ENTRY DATES Quarterly (January 1st, April 1st, July 1st, October 1st) EMPLOYER CONTRIBUTIONS 100% of the first 6% deferred on a pre-tax, Roth, and/or catch-up basis page 2 CONTRIBUTION LIMITS 0% - 100% 2018 contribution limits are $18,500 VESTING Match & Non-safe harbor discretionary contributions are subject to a 6 year graded vesting schedule: 2 Years = 20% 3 Years = 40% 4 Years = 60% 5 Years = 80% 6 Years = 100% 3% Safe Harbor contribution is 100% vested
3 Your plan highlights DEFAULT INVESTMENT Moderate Portfolio You can change your contribution and/or investment elections by accessing mylife.jhrps.com ANNUAL CONTRIBUTION INCREASE PROGRAM Available between 1% - 3% Maximum capped at 15% Increase will occur annually on the anniversary of enrollment into auto increase program page 3 BENEFICIARY ELECTIONS You can update or change beneficiary elections on mylife.jhrps.com. If you fail to make a valid beneficiary designation, your beneficiary will be your spouse, or if none, children and any descendants of deceased children (per stirpes), or if none, estate.
4 The benefits of participating Saving on your taxes with tax-deferred1 earnings Helping you realize your financial goals with the power of compound earnings Lowering average investment costs by dollar cost averaging2 Effortlessly saving through automatic payroll deductions 1Ordinary Getting tax-free earnings3 by making after-tax Roth contributions Helping you reach your retirement goal through catch-up contributions Maximizing on employer contributions by deferring to your plan Signing up for the Automatic Increase program to accelerate your savings income taxes due upon withdrawal. Withdrawals before the age of 59 ½ may be subject to an early distribution penalty of 10%. cost averaging does not guarantee a profit or protect against a loss. Systematic investing involves continuous investment in securities regardless of price level fluctuation. Participants should consider their resources to continue the strategy over the long term. 3Distribution must be a qualified distribution made after attainment of age 59 ½, death or disability, AND occurs no earlier than the fifth taxable year after the year of the first Roth 401(k) contribution. [optional] page 4 2Dollar
5 What does retirement look like to you? We ve made it easier for you to envision yourself at retirement. Go to to view our six different profiles. page 5
6 Where will your retirement income come from? Your company s qualified plan Personal Savings Social Security Other Retirement Accounts page 6
7 How much should you contribute? 12% Per Paycheck 10% Per Paycheck page 7 8% Per Paycheck
8 Let s calculate your contribution Try the contribution calculator at 12% 10% 8% Per Paycheck Per Paycheck Per Paycheck What does this work out to be? $400 per month $ in annual tax savings What does this work out to be? $333 per month $ in annual tax savings What does this work out to be? $267 per month $ in annual tax savings Hypothetical example based on an age of 37 years old with a salary of $40,000 living in Idaho. page 8
9 Roth contributions are they right for you? Roth 401(k) Traditional pre-tax 401(k) Income Limits N/A N/A Contributions After Tax Pre-tax $18,500 Age 50+: $24,500 $18,500 Age 50+: $24,500 Tax free Tax deferred3 Qualified = Tax free2 Taxed upon withdrawal Contribution Limits1 Investment Earnings Distributions 1You can save an annual total of $18,500 (or $24,500 if you re 50 or older) through pre-tax contributions, Roth contributions, or a combination of both. participant must satisfy the 5-year holding period and either attain age 59½, die or become disabled in order to be eligible to receive a tax-free, qualified Roth distribution. 3Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59½ may be subject to an early distribution penalty of 10%. 2A page 9
10 Understanding investments The relationship between risk and return Conservative investments have a lower volatility, but tend to grow more slowly and steadily. Investments with greater risk have a higher volatility, but also offer greater potential for higher return. Past performance is not a guarantee of future results. page 10
11 Understanding investments Using diversification to manage risk Imagine two investors, Bob and Janet, each with $30,000 invested. Bob has put all his money in just one investment. Janet, however, has split her $30,000 evenly between two investments. Account values before market decline* Account values after Investment A declines by 20% Hypothetical example for illustrative purposes only. Diversification does not guarantee a profit or assure against a loss. There is no guarantee that any investment strategy will achieve its objectives. page 11
12 Understanding investments Neither asset allocation nor diversification ensures a profit or protection against a loss. page 12
13 Ways to invest Target Risk Portfolios Build Your Own Portfolio Professionally managed and provide one-step diversification Asset mix is managed personally by you Automatically stays within its risk category. Revisit your risk strategy as needed Revisit your strategy as needed Medium involvement level by you High involvement level by you It is your responsibility to select and monitor your investment options to meet your retirement objectives. You might want to review your investment strategy at least annually. You may also want to consult your own independent investment or tax advisor or legal counsel. Neither asset allocation nor diversification ensures a profit or protection against a loss. Note that an asset allocation fund may not be appropriate for all participants, particularly those interested in directing investment options on their own. page 13
14 Target risk portfolios What is my risk tolerance? Take the risk quiz* now! Go to and quickly determine your approach to risk and return. *Your quiz results may change over time. You might want to take the Risk Quiz each year to make sure that your risk profile accurately matches your risk tolerance. The results are based on generally accepted investment principles, but by no means are you bound by the results or should you consider the results as investment advice. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives. All investments involve risks, and fluctuations in the financial markets and other factors may cause declines in the value of your account. Neither asset allocation nor diversification ensures a profit or protection against a loss. Note that an asset allocation fund may not be appropriate for all participants, particularly those interested in directing investment options on their own. page 14
15 Build your own portfolio page 15
16 View your plan s investment options Go to for more information on your plan s investment options. Plan code = CA4102 page 16
17 How to get help with investing your contributions? Personalized investment advice at your fingertips Morningstar Retirement ManagerSM Provide point-in-time recommendations on how to meet your retirement goals Investment advisory services for Morningstar Retirement Manager are provided by Morningstar Investment Management LLC. There is no guarantee investment objectives will be met. page 17
18 Get started Enroll now and take control of your financial future Instantly: mylifenowtm app Anytime: One-on-one support: or en español page 18
19 The website has something for everyone View your year-to-date contributions with personal rate of return Monitor and adjust your retirement goal to help stay on track Review your statements Add your beneficiary information Get tips, tools and information on becoming financially fit Access your Summary Plan Description, Fund Facts sheets and Fund Prospectuses (if applicable) page 19
20 Your plan s financial advisor Advisors are available to help you with your plan s investment options and with developing an investment strategy that can help you meet your retirement saving s goals. SWBC: John Atwill jatwill@swbc.com page 20
21 Disclosures John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as "John Hancock". John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans. John Hancock Trust Company LLC provides trust and custodial services to such plans. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York. Product features and availability may differ by state. John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, each such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. JH Enterprise is a registered trademark by John Hancock Life Insurance Company (U.S.A.). JH Signature is a trademark of the Group Annuity Contracts and recordkeeping agreements issued by John Hancock Life Insurance Company (U.S.A.), used under license by John Hancock Life Insurance Company of New York. NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED 2017 All rights reserved MGTS-P33285-GE 06/ MGR page 21
22 Thank you page 22
We re here to help YOU plan for the future
We re here to help YOU plan for the future RETIREMENT PLANNING Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO John Hancock Retirement Plan Services LLC
More informationRSPP Exp 1/23/2019. Transition. Magellan Health, Inc. Retirement Savings Plan. Place client logo here
0286146-00002-00 Exp 1/23/2019 RSPP470 Transition Presented by Daniel Dionne. CRC Place client logo here Magellan Health, Inc. Retirement Savings Plan This presentation is intended to provide information
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 informationThe How Do I Save For Retirement Challenge
0278470-00003-00 Exp 12/12/2018 RSPP487 The How Do I Save For Retirement Challenge Presented by Dallas Chastain Place client logo here Magellan Health, Inc. Retirement Savings Plan This presentation is
More informationRoth 401(k) An option available to 401(k) participants
Roth 401(k) An option available to 401(k) participants Dear retirement plan participant, We re pleased to announce that, in our effort to help you better prepare for retirement; you are now able to take
More informationRoth 401(k) An option available to 401(k) participants
Roth 401(k) An option available to 401(k) participants What is Roth 401(k)? Contributions to a qualified retirement plan have generally been tax-favored. In the case of a traditional 401(k) plan, because
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 informationStandard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan Plan Highlights
Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan Plan Highlights The Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan (the Plan or SMP 401(k) Plan
More informationLiving today while planning for tomorrow. UTC Employee Savings Plan Enrollment Guide TOTAL REWARDS
Living today while planning for tomorrow 2018 UTC Employee Savings Plan Enrollment Guide TOTAL REWARDS WHAT S INSIDE Why Save Now?...3 Steps To Getting Started STEP 1: Decide How Much To Save...4 STEP
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 informationWe re here to help YOU plan for the future
We re here to help YOU plan for the future RETIREMENT PLANNING Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO John Hancock Retirement Plan Services LLC
More informationFOR RETIREMENT. Planning ahead. Understanding the Roth feature of your 401(k) retirement plan. Plan Participant Guide
FOR RETIREMENT Planning ahead Understanding the Roth feature of your 401(k) retirement plan Plan Participant Guide 2057664 What is a Roth 401(k)? A Roth 401(k) allows you to make after-tax contributions
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 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 informationMaximizing your retirement strategy
Maximizing your retirement strategy John Hancock Retirement Plan Services, LLC and the I.A..M. National 401(k) Plan are not affiliated and neither are responsible for the liabilities of the other. John
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 informationGetting on the Right Path with Your Workplace Savings Plan Boyce Brice January 18, 2016
Getting on the Right Path with Your Workplace Savings Plan Boyce Brice January 18, 2016 So, you re starting to think about saving for retirement Today s agenda: Steps to prioritizing your savings Benefits
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 informationStandard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan. Plan Highlights 2
Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan Plan Highlights The Standard Motor Products, Inc. Profit Sharing 401(k) Capital Accumulation Plan (the Plan or SMP 401(k) Plan
More informationSUMMARY PLAN DESCRIPTION OF THE SOUTHWEST AIRLINES PILOTS RETIREMENT SAVINGS PLAN [2017]
SUMMARY PLAN DESCRIPTION OF THE SOUTHWEST AIRLINES PILOTS RETIREMENT SAVINGS PLAN [2017] This material was prepared by Southwest Airlines Pilots Association (SWAPA) and is being provided to you at the
More informationBRANDEIS UNIVERSITY. Defined Contribution Retirement Plan for Nonexempt Employees. Summary Plan Description
BRANDEIS UNIVERSITY Defined Contribution Retirement Plan for Nonexempt Employees Summary Plan Description January 2017 TABLE OF CONTENTS BENEFIT OVERVIEW... 1 CONTRIBUTIONS TO THE PLAN... 2 EMPLOYEE VOLUNTARY
More informationWhy John Hancock? Partner with a leader who has the courage and conviction to put Participants 1 st
Why John Hancock? Partner with a leader who has the courage and conviction to put Participants 1 st FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC. At John Hancock, we
More informationMerrill Lynch & Co., Inc. 401(k) Savings and Investment Plan Automatic Enrollment, Safe Harbor and Qualified Default Investment Alternative Notice
Merrill Lynch & Co., Inc. 401(k) Savings and Investment Plan Automatic Enrollment, Safe Harbor and Qualified Default Investment Alternative Notice This Automatic Enrollment, Safe Harbor and Qualified Default
More informationYour Plan Features Guide
Move your future forward with your workplace savings plan egain Corporation 401(k) Your Plan Features Guide Invest some of what you earn today for what you plan to accomplish tomorrow. Take a look and
More informationSERVING A STRONG FUTURE
ENROLLMENT OVERVIEW SERVING A STRONG FUTURE HPOU 457 DEFERRED COMPENSATION PLAN PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA COMPANY PREPARE FOR YOUR
More informationPlanning ahead. Understanding your 403(b) plan. Plan Participant Guide RETIREMENT PLAN SERVICES
Planning ahead Understanding your 403(b) plan The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Plan Participant Guide RETIREMENT PLAN SERVICES 2073285 It all starts
More informationGet an advantage for your retirement. Voya Select Advantage IRA Mutual Fund Custodial Account
Get an advantage for your retirement Voya Select Advantage IRA Mutual Fund Custodial Account Life brings change You have your own unique vision for what your life will hold. Whether you re switching jobs
More information403(b) Tax Deferred Annuity Plan. Saving for the future you want
403(b) Tax Deferred Annuity Plan Saving for the future you want Many retirement experts agree...having the money you want in your later years comes from careful planning now. Important information: Variable
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 informationEarning for Today and Saving for Tomorrow. Retirement Savings Plan 401(k) inspiring possibilities
Earning for Today and Saving for Tomorrow Retirement Savings Plan 401(k) inspiring possibilities Retirement Savings Plan 401(k) Advocate Health Care Network offers the Advocate Health Care Network Retirement
More informationHighlights of The Tax-Sheltered Annuity Program. The California State University
Highlights of The Tax-Sheltered Annuity Program The California State University Tax-Sheltered Annuity Program TABLE OF CONTENTS TSA Program Overview... 1 Saving Through the TSA Program... 2 Making Investment
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 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 informationA GUIDE TO PREPARING FOR RETIREMENT
A GUIDE TO PREPARING FOR RETIREMENT MaineSaves A Guide to Preparing for Retirement MaineSaves, the State of Maine s voluntary retirement savings plan, is designed to help you move forward on your journey
More informationSupplementing Retirement Income with Life Insurance
Supplementing Retirement Income with Life Insurance CLIENT SNAPSHOT INDIVIDUAL NEEDS Protection for today, income for tomorrow Protecting your family and planning for a long retirement are likely to top
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 informationSUMMARY PLAN DESCRIPTION Standard Textile 401(k) Profit Sharing Plan
SUMMARY PLAN DESCRIPTION Standard Textile 401(k) Profit Sharing Plan This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific
More informationDiocese of Lafayette. Believe. in your future. The Diocese of Lafayette 403(b) Plan Enrollment Overview
Diocese of Lafayette Believe in your future The Diocese of Lafayette 403(b) Plan Enrollment Overview Believe in your future Reaching your retirement goals can take a lot of preparation. Some investment
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 informationMcDonald s Corporation 401k Plan
This document constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933 and also serves as a Summary Plan Description of the Plan. The date of this
More informationYour Guide to Getting Started
USC Hospital 401(k) Retirement Plan for the employees of USC Verdugo Hills Hospital, part of the Keck Medical Center of USC Invest in your retirement and yourself today, with help from USC Hospital 401(k)
More informationSUMMARY PLAN DESCRIPTION FOR THE. ST. OLAF COLLEGE 403(b) RETIREMENT PLAN
SUMMARY PLAN DESCRIPTION FOR THE ST. OLAF COLLEGE 403(b) RETIREMENT PLAN January 1, 2018 TABLE OF CONTENTS INTRODUCTION: YOUR RETIREMENT SAVINGS PROGRAM...1 GENERAL INFORMATION CONCERNING YOUR PLAN...2
More information401(k) Plan Highlights
401(k) Plan Highlights RETIREMENT & BENEFIT PLAN SERVICES HomeServices Retirement Savings Plan Congratulations! You are eligible to join the HomeServices Retirement Savings Plan (the Plan ). The Plan offers
More informationYour Guide to Getting Started
Standard Motor Products Profit Sharing 401(k) Capital Accumulation Plan Invest in your retirement and yourself today, with help from the SMP 401K Plan and Fidelity. Your Guide to Getting Started Invest
More informationMasterDex 10 Annuity Statement of Understanding
Allianz Life Insurance Company of North America PO Box 59060 Minneapolis, MN 55459-0060 800.950.7372 MasterDex 10 Annuity Statement of Understanding Thank you for considering the MasterDex 10 Annuity from
More informationYOUR GUIDE TO GETTING STARTED
Ensign Services, Inc. 401(k) Retirement Savings Plan Invest in your retirement and yourself today, with help from the Ensign Services, Inc. 401(k) Retirement Savings Plan and Fidelity. YOUR GUIDE TO GETTING
More informationYour Guide to Getting Started
Standard Motor Products Profit Sharing 401(k) Capital Accumulation Plan Invest in your retirement and yourself today, with help from the SMP 401K Plan and Fidelity. Your Guide to Getting Started Invest
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 informationYOUR GUIDE TO GETTING STARTED
Engility Master Savings Plan Invest in your retirement and yourself today, with help from Engility Master Savings Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for
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 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 informationACCUMULATION SVUL Reaching new heights in meeting retirement needs. For two. CONSUMER GUIDE
CONSUMER GUIDE ACCUMULATION SVUL Reaching new heights in meeting retirement needs. For two. JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK IM5235CG You have
More informationgreat minds. opportunities. Vanderbilt University 403(b) Retirement Plan Enrollment Guide
great minds. opportunities. Vanderbilt University 403(b) Retirement Plan Enrollment Guide Invest some of what you earn today for what you plan to accomplish tomorrow. Vanderbilt University and Medical
More informationThe Roth contribution option. For retirement plans
The Roth contribution option For retirement plans Contents 2 The Roth contribution option savings choice Learn about the differences between pretax and after-tax contributions 4 Comparing Roth after-tax
More informationEnrollment Guide. Future Savings. Time to Focus on a Healthy RETIREMENT. YOUR ENROLLMENT GUIDE FOR THE 401(k) PLAN
Enrollment Guide Future Savings Time to Focus on a Healthy RETIREMENT YOUR ENROLLMENT GUIDE FOR THE 401(k) PLAN Invest some of what you earn today for what you plan to accomplish tomorrow. Dear Employee:
More informationThe 401(k) Stock Purchase Plan Summary Plan Description
The 401(k) Stock Purchase Plan Summary Plan Description Cullen/Frost Bankers, Inc. Plan Year 2014 This material constitutes part of a prospectus covering securities that have been registered under the
More informationRETIREMENT INCOME MAX RETIREMENT INCOME MAX
RETIREMENT INCOME MAX Maximize your retirement Income RETIREMENT INCOME MAX An optional rider for variable annuities issued by Transamerica Life Insurance Company in Cedar Rapids, Iowa and Transamerica
More informationSanJose.beready2retire.com. City of San José Deferred Compensation. Plan Overview DEFER R ED CO MPENSATION PLAN PLAN SAVE GROW
SanJose.beready2retire.com City of San José Deferred Compensation Plan Overview DEFER R ED CO MPENSATION PLAN PLAN SAVE GROW Having the income you need in your later years may require careful planning
More informationA Consumer s Guide to
A Consumer s Guide to 401(k) Plans NYSUT Member Benefits wants NYSUT members to be the best-informed consumers in the state. This Consumer Guide is one of our contributions towards achieving that goal.
More informationMarvell Semiconductor 401(k) Retirement Plan
Marvell Semiconductor 401(k) Retirement Plan Table of Contents How to Enroll... 1 Choose Your Investment Strategy.... 2 Plan Highlights.... 4 Managing Your Account.... 9 Dear Valued Employee: Have you
More informationYour DePaul University 403(b) Retirement Plan ENROLLMENT GUIDE
Your DePaul University 403(b) Retirement Plan ENROLLMENT GUIDE Invest some of what you earn today for what you plan to accomplish tomorrow. Dear DePaul University 403(b) Retirement Plan employee: It s
More informationJohn Hancock s ERISA 408(b)(2) Disclosure
John Hancock s ERISA 408(b)(2) Disclosure John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company or New York are collectively referred to as John Hancock. Page 1 The following
More informationYOUR GUIDE TO GETTING STARTED
Salesforce 401(k) Plan Invest in your retirement and yourself today, with help from the Salesforce 401(k) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you
More informationPrincipal Plus For Life
The future is yours Important details about Principal Plus For Life More than ever, it is important to partner with a company whose ratings prove they possess the ability to meet the promises they make,
More informationYour Guide to the Boston University Retirement Savings Program. Boston University Guide to Retirement Program 1
Your Guide to the Boston University Retirement Savings Program Boston University Guide to Retirement Program 1 What s Inside What s New... 3 Take a Fresh Look at Your BU Retirement Benefits Investing in
More informationAnswering your questions about OnTarget SM
Answering your questions about OnTarget SM Table of Contents How OnTarget works... 1 Making changes... 5 Cost of services... 6 Personalized, professional account management Your plan offers OnTarget, a
More informationFeed Future. your. Enrollment Overview. Jerry s Enterprises, Inc. Employees 401(k) Plan
Feed Future your Enrollment Overview Jerry s Enterprises, Inc. Employees 401(k) Plan RETIREMENT PLAN ADMINISTRATIVE AND RECORDKEEPING SERVICES PROVIDED BY MCCREADY AND KEENE INC., A ONEAMERICA COMPANY
More informationROSS STORES, INC. 401(K) SAVINGS PLAN SUMMARY PLAN DESCRIPTION
ROSS STORES, INC. 401(K) SAVINGS PLAN SUMMARY PLAN DESCRIPTION January 2015 ROSS STORES, INC. 401(k) SAVINGS PLAN SUMMARY PLAN DESCRIPTION Section I. Introduction... 1 Section II. Questions and Answers
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 informationBuilding financial freedom using the Freedom Builder fixed indexed annuity
Building financial freedom using the Freedom Builder fixed indexed annuity Products and financial services provided by American United Life Insurance Company a OneAmerica company One American Square, P.O.
More informationA Planning Guide for Participants Nearing Retirement
A Planning Guide for Participants Nearing Retirement What are your plans for retirement? For some, retirement is about living out dreams they didn t have time for during their working years. For others,
More information2013 Retirement Plan Summary
Understanding the differences among retirement plan alternatives 2013 Retirement Plan Summary If you re establishing a new retirement plan, selecting the appropriate design is the first step in providing
More informationCongratulations! Plan Features. Mashantucket Pequot Tribe 401(k) Retirement Plan
Congratulations! Mashantucket Pequot Tribe 401(k) Retirement Plan You are now eligible to participate in the Mashantucket Pequot Tribe (MPTN) 401(k) Retirement Plan (the Plan ). We encourage you to take
More informationAttract and keep the best people for your business
Executive bonus plan Plan sponsor guide Attract and keep the best people for your business NATIONWIDE BUSINESS SOLUTIONS GROUP Be sure to choose a strategy and product that are suitable for the long-term
More informationMaking Informed Rollover Decisions
Making Informed Rollover Decisions WHAT TO DO WITH YOUR EMPLOYER-SPONSORED RETIREMENT PLAN ASSETS DEFINED CONTRIBUTION PLANS: A defined contribution plan does not promise a specific amount of benefits
More informationThe Churchill Benefit Corporation 401(k) Savings Plan
The Churchill Benefit Corporation 401(k) Savings Plan There are many great benefits to being part of the The Churchill Benefit Corporation 401(k) Savings Plan. Among those benefits is exceptional customer
More informationRetirement Guide: Saving and Planning
Retirement Guide: Saving and Planning It s Never Too Early to Start What You Need to Know About Saving for Retirement Many of us don t realize how much time we may spend in retirement. In fact, statistics
More informationMcDonald s 401k Plan. Summary Plan Description and Prospectus H
This document constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933 and also serves as a Summary Plan Description of the Plan. The date of this
More informationDistributions from your employersponsored. retirement plan. Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York
Distributions from your employersponsored retirement plan Understanding your options Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York AMK-068-N Page 1 of 12 Your
More informationPower Your Retirement
Power Your Retirement Your Savings Plan can help get you there. We know saving for the future is important. We also know that preparing for something as big as retirement can seem overwhelming, but it
More informationMAXIMIZE YOUR SAVINGS
MAXIMIZE YOUR SAVINGS In the Lam Research 401(k) Plan and Other Plans WHAT S INCLUDED Click directly on the section to the right to move to that section. >> Increased Savings and Tax Flexibility Build
More informationSUMMARY PLAN DESCRIPTION
SUMMARY PLAN DESCRIPTION C & A Industries, Inc. 401(k) Profit Sharing Plan 1-1-18 C & A Industries, Inc. 401(k) Profit Sharing Plan SUMMARY PLAN DESCRIPTION... 1 I. BASIC PLAN INFORMATION... 2 II. PARTICIPATION...
More informationDynegy 401(k) Plan. Summary Plan Description For the Plan as Amended January 1, 2014
Dynegy 401(k) Plan Summary Plan Description For the Plan as Amended January 1, 2014 This Summary Plan Description highlights the key features of the Dynegy 401(k) Plan (Plan). Complete details of the Plan
More informationYOUR GUIDE TO GETTING STARTED
CentraCare Health 403(b) Retirement Plan Invest in your retirement and yourself today, with help from the CentraCare Health 403(b) Retirement Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some
More informationColony Brands, Inc. Retirement Savings Plan
Colony Brands, Inc. Retirement Savings Plan Table of Contents Introduction... 3 Important Information About the Plan... 4 Joining the Plan... 7 Contributions to the Plan... 8 Managing Your Account... 15
More informationOpportune 401k Retirement Plan The Roth 401(k) contribution option
Opportune 401k Retirement Plan The Roth 401(k) contribution option Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries
More informationYOUR GUIDE TO GETTING STARTED
Salesforce 401(k) Plan Invest in your retirement and yourself today, with help from the Salesforce 401(k) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you
More informationSummary Plan Description. Precision Castparts Corp. 401(k) Retirement Savings Plan. for Employees of. Precision Castparts Corp.
Summary Plan Description of Precision Castparts Corp. 401(k) Retirement Savings Plan for Employees of Precision Castparts Corp. This summary describes Plan features for the Business Unit identified above.
More informationContact us. Dear Eligible CareFirst Associate:
Dear Eligible CareFirst Associate: THE CAREFIRST 401(k) PLAN NOTICE OF SAFE HARBOR MATCHING CONTRIBUTION AND QUALIFIED AUTOMATIC CONTRIBUTION ARRANGEMENT FOR THE PLAN YEAR BEGINNING JANUARY 1, 2017 This
More informationUTC Employee Savings Plan Enrollment Guide
INVOLVED My Health My Wealth My Life UTC Employee Savings Plan Enrollment Guide 2011 Carrier Hamilton Sundstrand Otis Pratt & Whitney Sikorsky UTC Fire & Security UTC Power UTRC WHAT S INSIDE: WHY SAVE
More informationLet s Talk About: Required Minimum Distributions from Qualified Annuities. Your future. Made easier. SM ANNUITIES
Let s Talk About: Required Minimum Distributions from Qualified Annuities Not FDIC/NCUA Insured May Lose Value Not A Deposit Of A Bank Not Bank Guaranteed Not Insured By Any Federal Government Agency ANNUITIES
More informationORGANIZE, PLAN, AND OWN YOUR FUTURE
Be In The Front Seat ORGANIZE, PLAN, AND OWN YOUR FUTURE Making financial health a priority for women HERE S WHAT WE LL COVER: Why now? Getting organized Building your plan Owning your future 2 WHEN IT
More informationLifetime Withdrawal GuaranteeSM
Lifetime Withdrawal GuaranteeSM ANNUITIES VARIABLE Brighthouse Prime Options SM Variable Annuity Annuities are issued by Brighthouse Life Insurance Company. Guarantees are subject to the financial strength
More informationYOUR RETIREMENT SAVINGS PLAN
Benefits to Smile About Invest in Your Future We are pleased to present you with information about Marriott s 401(k) program to help you save for your retirement. The Retirement Savings Plan1 a 401(k)
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 informationVanderbilt University Medical Center Retirement Plan Enrollment Guide
Vanderbilt University Medical Center Retirement Plan Enrollment Guide Invest some of what you earn today for what you plan to accomplish tomorrow. The Vanderbilt University Medical Center (VUMC) offers
More informationTake an important step toward your future. Your Retirement Savings Plan Enrollment Guide
Take an important step toward your future. Your Retirement Savings Plan Enrollment Guide TEXAS WESLEYAN UNIVERSITY Texas Wesleyan University 403B & 401a Enroll in your retirement savings plan today! Inside
More informationA guide for the road to retirement. Announcing updates to the Eastern Michigan University Retirement Plan
A guide for the road to retirement Announcing updates to the Eastern Michigan University Retirement Plan 1 Overview of topics we ll be covering today Why changes are being made What stays the same Plan
More informationWHETHER YOUR RETIREMENT IS 40 YEARS AWAY OR ON THE HORIZON, IT IS IMPORTANT TO TAKE STOCK OF YOUR SITUATION AND TAKE CHARGE.
WHETHER YOUR RETIREMENT IS 40 YEARS AWAY OR ON THE HORIZON, IT IS IMPORTANT TO TAKE STOCK OF YOUR SITUATION AND TAKE CHARGE. Industry professionals estimate that some Americans will spend nearly one third
More informationFINRA SAVINGS PLUS 401(K) PLAN SUMMARY PLAN DESCRIPTION 2017
FINRA SAVINGS PLUS 401(K) PLAN SUMMARY PLAN DESCRIPTION 2017 TABLE OF CONTENTS INTRODUCTION: THE FINRA SAVINGS PLUS PLAN... 1 This Booklet is Only a Summary... 1 Administrative Information... 1 Not a Contract
More information