YOUR USER GUIDE FOR THE. NMH Retirement Savings Website. Northfield Mount Hermon Retirement and Savings Plan

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1 YOUR USER GUIDE FOR THE NMH Retirement Savings Website Northfield Mount Hermon Retirement and Savings Plan

2 To all Northfield Mount Hermon employees: Northfield Mount Hermon is pleased to share the NMH Retirement Savings Website with you. The site, which may be used by all employees (current Fidelity Investments and/or TIAA plan users, as well as first-time enrollees), allows you to: Enroll in the Northfield Mount Hermon Retirement and Savings Plan Elect/change your retirement plan savings rate Change your retirement provider (Fidelity Investments and/or TIAA) Link to your current Fidelity or TIAA account View your Plan balance and details Use interactive tools and calculators to help set financial goals You do not need to reenroll in the Plan if you are already contributing. Use this guide when you wish to make changes to your account. This guide will help you navigate the site and execute various transactions. You can access the NMH Retirement Savings Website at In the following pages are instructions and tips for all existing Fidelity participants, TIAA participants, new hires, rehires, first-time enrollees, and all site users on how to use the website. All screen examples in this guide are for illustrative purposes only. 2

3 Table of Contents You can find information specific to your needs by using the following sections of the guide: Page 4 Fidelity Participants Log in to your account using the NMH Retirement Savings Website Elect/change your contribution rate or service provider Elect/change your investment options Verify or change your beneficiary designations Page 7 TIAA Participants Log in to your account using the NMH Retirement Savings Website Elect/change your contribution rate or service provider Elect/change your investment options Verify or change your beneficiary designations Page 10 New Hires and First-Time Enrollees Establish your username and password Choose your contribution rate Select your investment options Designate your beneficiaries Page 13 All Site Users Set your mail preferences Schedule a one-on-one consultation with a retirement specialist Page 14 Contact Numbers Phone numbers for Fidelity Investments and TIAA 3

4 Fidelity Participants If you are a current Fidelity participant and already have a username and password, you can use them to log in to your account through the NMH Retirement Savings Website at If you have forgotten your username and/or password, click Need Help? at the top of the website to reset them. NEW USER REGISTRATION Visit click the Register link at the top of the site, and follow the prompts to establish your username and password. HOW TO CHANGE YOUR NORTHFIELD MOUNT HERMON RETIREMENT AND SAVINGS PLAN CONTRIBUTION After registering for the site, visit enter your username and password at the top of the website, and click Log in. 1. On the NetBenefits home page, click Contribution Amount from the Quick Links menu for the Plan in which you wish to make a contribution election. 2. Choose Contribution Amount and Catch-up Contributions on the next screen and follow the steps to update your election. Contribution Amount Manage Your Contribution Amount Contribution Amount and Catch-up Contributions View or update the amount you contribute to your retirement savings plan. Why should I contribute to my retirement savings plan? What is a Catch-up Contribution? 4

5 Fidelity Participants HOW TO CHANGE YOUR RETIREMENT PROVIDER 1. After registering for the site, visit enter your username and password at the top of the website, and click Log in (shown on the previous page). 2. On the NetBenefits home page, click Contribution Amount from the Quick Links menu. 3. Select Retirement Providers and follow the steps to change/select your provider elections. Contribution Amount Manage Your Contribution Amount Contribution Amount and Catch-up Contributions View or update the amount you contribute to your retirement savings plan. Why should I contribute to my retirement savings plan? What is a Catch-up Contribution? Retirement Providers View or update the Retirement Providers who manage your contributions. What are Retirement Providers? You may elect 100% of your deferral (and any applicable matching or employer contributions) to be allocated to Fidelity, or 100% to TIAA, or a combination to the two providers totaling 100%. Retirement Provider Elections Provider Current % Desired % Fidelity Investments TIAA-CREF 0% 0% 1-100% 1-100% (Total must equal 100%) Total: 100% Change Retirement Provider Elections 5

6 Fidelity Participants HOW TO CHANGE YOUR INVESTMENT ELECTIONS After registering for the site, visit enter your username and password at the top of the website, and click Log in. 1. On the NetBenefits home page, click Change Investments from the Quick Links menu for the Plan in which you wish to make investment changes. 2. Choose the action you wish to take. You can change your future investment elections and/or move your current balances between investment options. Please note: Future investment elections and existing balances are two separate elections. Moving existing balances between investments will not change the direction for new contributions to the Plan. Likewise, changing your future contribution elections will not affect existing balances. HOW TO DESIGNATE YOUR BENEFICIARIES To access beneficiary designation information for your Fidelity account, log in to NetBenefits and choose Profile at the top of the page. Then choose Beneficiaries and follow the step-by-step instructions to verify or make changes to your elections. You can also request a paper form by calling Fidelity at

7 TIAA Participants If you are a current TIAA participant, you can now change your contribution amount to the Plan or change your retirement provider through the NMH Retirement Savings Website. You are not required to register for the site unless you are changing your contribution amount or retirement provider. All other transactions will continue to be processed through TIAA. You can access the TIAA website by changing Your Account (shown below) to TIAA and clicking Go to TIAA. REGISTER FOR THE SITE Visit click the Register link at the top of the website, and follow the prompts to verify your identity and establish a username and password. If you already have an account with Fidelity, you may use your existing username and password to log in. When registering, please do not change the Your Account drop-down option from Fidelity to TIAA. HOW TO CHANGE YOUR NORTHFIELD MOUNT HERMON RETIREMENT AND SAVINGS PLAN CONTRIBUTION After registering for the site, visit enter your username and password at the top of the website, and click Log in. 1. On the NetBenefits home page, click Contribution Amount from the Quick Links menu for the Plan in which you wish to make a contribution election. Tip: Please do not change the Your Account drop-down option from Fidelity to TIAA. Please keep the option listed as Fidelity when changing your contribution amount. 2. Choose Contribution Amount and Catch-up Contributions on the next screen and follow the steps to update your election. Contribution Amount Manage Your Contribution Amount Contribution Amount and Catch-up Contributions View or update the amount you contribute to your retirement savings plan. Why should I contribute to my retirement savings plan? What is a Catch-up Contribution? 7

8 TIAA Participants HOW TO CHANGE YOUR RETIREMENT PROVIDER 1. After registering for the site, visit enter your username and password at the top of the website, and click Log in (shown on the previous page). Tip: Please do not change the Your Account drop-down option from Fidelity to TIAA. Please keep the option listed as Fidelity when electing your retirement provider. 2. On the NetBenefits home page, click Contribution Amount from the Quick Links menu. 3. Select Retirement Providers and follow the steps to update your provider elections. Contribution Amount Manage Your Contribution Amount Contribution Amount and Catch-up Contributions View or update the amount you contribute to your retirement savings plan. Why should I contribute to my retirement savings plan? What is a Catch-up Contribution? Retirement Providers View or update the Retirement Providers who manage your contributions. What are Retirement Providers? You may elect 100% of your deferral (and any applicable matching or employer contributions) to be allocated to Fidelity, or 100% to TIAA, or a combination to the two providers totaling 100%. Retirement Provider Elections Provider Current % Desired % Fidelity Investments TIAA-CREF 0% 0% 1-100% 1-100% (Total must equal 100%) Total: 100% Change Retirement Provider Elections 8

9 TIAA Participants HOW TO CHANGE YOUR INVESTMENT ELECTIONS You will need to contact TIAA directly to change your investment elections. Visit and at the top of the website, under Your Account, choose TIAA from the drop-down menu. Then click the Go to TIAA link at the bottom of the screen to access your TIAA account. HOW TO DESIGNATE YOUR BENEFICIARIES To update your beneficiaries for your TIAA account, please call TIAA directly at Please note: Beneficiary designations are held separately for Fidelity and TIAA. If you are using both retirement providers, please designate beneficiaries for each of your accounts. 9

10 New Hires and First-Time Enrollees Visit and click Enroll Today. Follow the prompts to establish a username and password. Once registered, you will be prompted through a step-by-step enrollment process. Step 1: Set the contribution amount (deferral) you wish to direct from your paycheck to the Plan. Step 2: Choose your investment options. The Plan offers a managed account solution, agebased target date funds, or you can select your own investments from the NMH fund lineup (investment options offered by Fidelity and TIAA). Step 3: Complete your enrollment. Here, you will be given the opportunity to review the contribution amount you entered and your investment selections. An example of the Review Your Elections screen is provided on the following page. In the middle of the page, in section Investment Selections by Retirement Provider, Fidelity will calculate the amount to be allocated to each investment election as a percentage of the total contribution amount for each retirement plan provider (Fidelity and/or TIAA). STEP 1 Set Contributions Decide how much you d like to contribute from each paycheck. STEP 2 Choose Investments We ll help you understand your Plan s investment options. STEP 3 Complete Your Enrollment Confirm your enrollment choices and consider next steps. Begin X Cancel Enrollment 10

11 New Hires and First-Time Enrollees When you are finished reviewing all your elections as shown below, click Submit at the bottom of the screen. If you did not select any investments offered by TIAA, once you click Submit, your enrollment is complete. After you click Submit, you will be able to view and print an enrollment confirmation page for your records. Note: If you select investment options offered by TIAA (see blue arrow below), you must continue to TIAA s website to complete your enrollment (details on page 12). 11

12 New Hires and First-Time Enrollees If you did not select any investments offered by TIAA, once you clicked Submit (as shown on page 11), your enrollment is complete. If you did select investments offered by TIAA, you have two more steps to complete your enrollment. Step 1: Click the text View and print your confirmation (see blue arrow below). Step 2: Click the blue TIAA-CREF text to proceed to TIAA s website, where you will finish enrolling in your selected TIAA investment options. Using your enrollment confirmation printout from Step 1, you will find a summary of your selected TIAA investment options and their associated percentages that you need to input on TIAA s website for your enrollment to be complete. If you do not complete this final step to set up your selected investment options and percentages with TIAA, your TIAA contributions will be directed to the Plan s default fund rather than the TIAA investments you selected (as shown on page 11). HOW TO DESIGNATE YOUR BENEFICIARIES Beneficiary designations are held separately for Fidelity and TIAA. Please designate beneficiaries for your account(s), as appropriate. For your Fidelity account, please see the details outlined on page 6 of this guide. For your TIAA account, please see the details outlined on page 9 of this guide. 12

13 All Site Users SET YOUR MAIL PREFERENCES Once registered for the site, log in and click Profile at the top right of the home page. Under the Personal & Contact Information tab, choose Add an to add your address. Then, under Preferences, you can choose your delivery method for communications and statements from the Plan. SCHEDULE A CONFIDENTIAL CONSULTATION Now is a great time to schedule an appointment for a confidential consultation with either Fidelity Investments or TIAA to discuss your retirement planning goals. Visit and click the provider of your choice in the Meet box at the bottom of the home page to view availability and to schedule an appointment. 13

14 Contact Numbers If you have any questions about the NMH Retirement Savings Website or need assistance with a Fidelity account, please contact the Fidelity Retirement Service Center at Representatives are available Monday through Friday (excluding New York Stock Exchange holidays, except Good Friday), from 8:30 a.m. to midnight Eastern time. For questions regarding TIAA accounts, please call TIAA at , Monday through Friday, 8 a.m. to 10 p.m., and Saturday, 9 a.m. to 6 p.m. Eastern time. You can also find contact information for Fidelity, TIAA, and NMH Human Resources at under the Contact Us tab. 14

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16 This information is intended to be educational and is not tailored to the investment needs of any specific investor. Investing involves risk, including risk of loss. TIAA and Fidelity Investments are independent entities and are not legally affiliated. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved