FIND YOUR RETIREMENT RHYTHM. Enrollment Overview for Taylor Guitars 401(k) Plan

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1 FIND YOUR RETIREMENT RHYTHM Enrollment Overview for Taylor Guitars 401(k) Plan

2 Prepare for your future Reaching your retirement goals can take a lot of preparation. Some investment professionals estimate that you ll need at least percent of your final working salary to maintain your lifestyle during retirement. The Taylor Guitars 401(k) Plan is a way to start preparing for your retirement. The plan offers you tools, education and investment options that can help you take steps today to prepare for what life has in store tomorrow. What do you see yourself doing when you retire? Maybe you re looking forward to spending more time with your family and friends, and sharing your hobbies with others. Or maybe you hope to travel the world! No matter how big or small your retirement goals may be, it takes preparation to achieve them. Fortunately, Taylor Guitars offers a retirement plan to help you reach your objectives and goals. 2

3 ENROLLMENT OVERVIEW Estimate your need With the average life expectancy increasing, uncertainty around Social Security and inflation continuing to erode the purchasing power of your money, participating in your retirement plan is more important now than ever. Use this worksheet to help you determine how much money you may need to reach your retirement goals. Retirement needs worksheet Note: Example assumes 25 years until retirement Example Your numbers 1 Annual income $40,000 2 Annual income needed in retirement in today s dollars $30,000 (Retirement professionals estimate that you will need 75 to 80 percent of your current annual income each year in retirement) 3 Approximate amount of Social Security expected annually $10,000 (Multiply Line 1 by.25 for a conservative estimate of your Social Security benefit. There is an annual cap on benefits. Visit for more information.) 4 Shortfall that will need to be made up from other sources of retirement income $20,000 (Subtract Line 3 from Line 2) 5 Adjust shortfall for inflation $32,800 (Multiply Line 4 by the appropriate inflation factor from the chart below. In the example, we assume 25 years remaining until retirement. Therefore, we multiplied $20,000 by 1.64.) 6 Investments already accumulated adjusted for future growth $325,800 (For this example, we assume $60,000 in already accumulated assets. Because we are still assuming 25 years until retirement, we multiply $60,000 by an investment factor of Check the table below for the appropriate investment factor for your situation.) 7 Amount needed at retirement to get the amount entered in Line 5 $410,000 (Multiply Line 5 by 12.5 a payout factor which assumes 2% inflation, 7% return and that 20 years of retirement income will be needed) 8 Determine how much needs to be allocated toward retirement income (Subtract Line 6 from Line 7) $84,200 9 Amount needed in contributions each year to achieve a goal of Line 8 (Divide Line 8 by the appropriate present value factor from the chart below. In the example, we did $84,200 divided by ) $1, Monthly contribution amount (Divide Line 9 by 12) 11 The percentage to be deducted monthly from paycheck (Line 10 divided by monthly income. In the example: $ divided by $3,333.) $ monthly investment 3.3% monthly investment Retirement needs factors Years until retirement Inflation Factor (2 percent inflation) Investment Factor (7 percent return) Present Value Factor (7 percent return) Note: McCready and Keene provides administrative and recordkeeping services and is not a broker/dealer or an investment advisor. Neither McCready and Keene nor its representatives provide tax, legal, fiduciary or investment advice. All numeric examples are hypothetical. These hypothetical investment returns are for educational purposes only and are not indicative of any particular investment or performance. Hypothetical returns assume reinvestment of earnings. Actual returns or principal value will vary. Balances shown are before reduction for taxes. 3

4 Contribute to your retirement plan For many people it is a good idea to participate in your retirement plan as soon as possible. If you start contributing right away, your account may have more time to grow or weather ups and downs in the stock market. Though starting early is important; your plan offers assistance if you are contributing later in life. Check with your plan administrator to learn how catch up contributions can assist with your preparation. Your retirement plan contributions The money you contribute to your retirement account is automatically deducted from your paycheck before taxes are taken out. It goes directly into your retirement account, so your paycheck is actually less than it would have been before the deduction when taxes are taken out. This means you are paying less in current income taxes for the year. This can help reduce the impact of contributing to your retirement plan on your take-home pay. Put tax deferral to work for you Tax deferral simply means the contributions to your retirement plan are not currently taxed. You are putting off paying taxes on that money until you withdraw it from your retirement account. How can putting off paying taxes be a benefit? Not only are your contributions invested, but the deferred taxes allow your money to stay invested. The benefits of compounding Compounding occurs when your principal investment generates a gain that is reinvested and experiences an additional earning. When the new balance (the original investment plus the gain) generates further earnings, the initial gain increases the total return of your initial principal. When the following gains are reinvested, future positive earnings are further compounded. Compounding example Michael Age 25 $100 Monthly contribution over 40 years Total contribution $48k = $199,149 at retirement Note: This hypothetical investment return and fictitious name is designed to demonstrate the impact of compounding returns and is not indicative of any particular investment or performance. Hypothetical returns assume reinvestment of earnings and a 6 percent average return on investment. Actual returns or principal value will vary. Balance shown is before reduction of taxes. An investor should consider his or her current and anticipated investment horizon and income tax bracket when making an investment decision, as the example may not reflect those factors. Any investment involves risk and there is no assurance that the investment objective of any investment option will be achieved. Before investing, understand that mutual funds are subject to market risk, including possible loss of principal. 4

5 ENROLLMENT OVERVIEW Review your plan regularly Another step in investing in your retirement plan is to review your account regularly. Like other important things in life, your retirement account requires periodic monitoring and review. Be sure to carefully read your quarterly statements, call with any questions you may have and review all materials given to you from Taylor Guitars about retirement preparation or the plan. As your life and priorities change, the amount you can contribute to your retirement account or your investment allocation strategy may also change. Any of these events might signal a need to re-evaluate your retirement plan choices. Marriage Birth or adoption of a child Change of employment for you or your spouse Divorce Financial emergency Death of a spouse Approaching retirement In addition to reviewing your account when major life events happen, it is also a good idea to do a review annually (perhaps with a financial professional) to determine whether or not you are still on track to reach your goals. This is a good habit because there will be tweaks you may want to make along the way such as rebalancing your investment mix or increasing your contribution level. Log in to your account at www. taylorguitars401k.com 24 hours/day, 7 days/week to: Access account balances View investment option performance Review or change investment options Update contact information Make deferral changes Designate and update beneficiaries 5

6 Choose your investments An important, and sometimes confusing, step in retirement preparation is choosing which options to invest in. Because each investor has different goals and different circumstances, there is no set strategy that works for everyone. The mix of investments that is appropriate for you depends on your retirement goals, your risk tolerance and how long you have until retirement. Note: Each group of investments carry their own unique risks. Before investing, please read each fund prospectus for a detailed explanation of the risks, fees, and costs associated with each underlying investment option. Although you might reduce volatility and risk with diversification, you can t eliminate investment risk all together. The use of asset allocation and diversification does not ensure a profit or protect against loss. Bond funds have the same interest rate, inflation and credit risks that are associated with the underlying bonds owned by the fund. Money Market funds are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other federal government agency. Although they seek to preserve the value of your investment at $1.00 per share, it s possible to lose money by investing in money market funds. Asset classes There are different types of investments, known as asset classes, in which you may choose to invest your retirement plan contributions. The three main asset classes are: Stocks Stocks have historically had the greatest risk and highest returns among the three major asset categories. Bonds Bonds are generally less volatile than stocks but offer more modest returns. Cash equivalents Cash equivalents such as certificates of deposit, treasury bills and money market funds are generally the most conservative investments, but offer the lowest return of the three major asset categories. Another type of investment, called an Asset Allocation fund, provides investors with a portfolio of a fixed or variable mix of the three main asset classes. These funds are a good option for investors that would prefer not to worry about making adjustments to their portfolio as the market fluctuates. Understanding risk and return Risk is the potential for an investment to lose value. Return is the change in value on an investment. Understanding the relationship between risk and return is very important as you develop your investment strategy. The amount of investment risk you are willing to take, also known as your risk tolerance, is a personal decision, which can be shaped by the amount of time you have until retirement or your time horizon. Risk tolerance Some people are comfortable taking on the risk of frequent ups and downs of the market in return for potentially greater longterm returns. Others prefer the slow, steady return of lower risk investments. Understanding your personal attitude toward risk will help you find the right mix of investments for your portfolio. Time horizon The longer you have until retirement, the more risk you can potentially afford to take. Mixing it up with diversification Because different asset classes have varying levels of risk and return, it is important to make sure you have a good mix of investments in your portfolio. This strategy, called diversification, aims to balance risk and reward by allocating assets according to your goals, risk tolerance and investment horizon. 6

7 ENROLLMENT OVERVIEW Plan highlights Eligibility requirements Employee contributions Participation in the plan is open to employees who meet the following requirements: Attainment of age 18 Completion of 90 days of service Employer contributions Participation in the plan is open to employees who meet the following requirements: Attainment of age 18 Completion of 1 year of service Completion of 1,000 hours of service Plan entry dates Employee and employer contributions Participants may participate in the plan effective on the first day of the month, following completion of the plan eligibility requirements. Excluded employees Employee and employer contributions The plan does not allow for participation by employees who are: Covered by a collective bargaining agreement Non-resident aliens with no U.S. earned income Contributions Employee contributions Your plan includes an Automatic Enrollment feature which means you will be enrolled in the Taylor Guitars 401(k) Plan unless you take action. You will automatically be enrolled pre-tax at 5 percent in the default investment option (called a Qualified Default Investment Alternative ). The default investment for the plan is the age appropriate T5 Moderate Risk Custom Portfolio. The automatic deferral percentage shall increase by 1 percent of compensation per year up to a maximum of 10 percent of compensation. To opt out of Automatic Enrollment you must complete the enrollment process and elect a different deferral percentage or elect not to make contributions. Through payroll deduction, you can make pre-tax contributions from 1 95 percent of your wages, salary, earnings (and bonus, if applicable). You can designate your contribution as a pre-tax deferral, a Roth deferral or a combination of both. Roth deferrals are after-tax contributions, but earnings on these contributions accumulate tax-free in your account and withdrawals at retirement may be exempt from federal income tax. The Internal Revenue Service (IRS) dollar limit applies cumulatively to pre-tax and Roth after-tax contributions. Can I make catch-up contributions to the plan? If you are age 50 or older (or will turn age 50 during the calendar year) you may be eligible to make catch-up contributions. Employees will automatically be enrolled in the plan at 5% in the default investment option upon meeting the eligibility requirements. Note: An Internal Revenue Service (IRS) dollar limit cap applies. For the current years dollar limit please visit Additional plan-specific provisions or limitations may apply. Before you can make catch-up contributions, you must first reach the elective deferral dollar limit (the Internal Revenue Code (Code) section 402(g) limit), the annual additions limit (the Code section 415 limit), the plan s deferral limit, or the Actual Deferral Percentage (ADP) limit. For the current years maximum catch-up contribution limit please visit You can opt out of being automatically enrolled in the plan by completing the enrollment process and electing not to make contributions or completing the enrollment process and electing to make contributions at a different limit or selecting different investments to invest in. 7

8 When can I change or stop my contributions to the plan? You can change your contributions or stop your contributions monthly. Employer matching contributions The company matches 100 percent of the first 5 percent of pay you contribute to the plan. Employer profit sharing contributions Your plan allows for an employer profit sharing contribution as defined by the plan. Taylor Guitars matches 100% of the first 5% of pay you contribute to the plan. Vesting Employee contributions You are always 100 percent vested in your deferral contributions to the plan, plus any earnings they generate. Employer match and profit sharing contributions Contributions made to the plan on your behalf, plus any earnings they generate, are vested as follows: Contributions made prior to January 1, 2011 Years of service Vesting % Less than 1 year 0% 1 year but less than 2 20% 2 years but less than 3 40% 3 years but less than 4 60% 4 years but less than 5 80% 5 or more years 100% Contributions made after December 31, 2010 Years of service Vesting % Less than 2 years 0% 2 or more years 100% Rollovers and transfers Your plan allows for the rollover or transfer of an existing qualified retirement plan account from a prior employer. You are always 100 percent vested in any rollovers or transfers to the plan, plus any earnings they generate. 8 Note: If you stop your contributions, you can only start contributing again in accordance with plan provisions. Withdrawals/Distributions Generally, money may be withdrawn from your account for: Attainment of age 59½ Attainment of plan s normal retirement age prior to separation from service Death Disability Financial hardship. In this case, any distribution would be further limited to the total amount contributed and contributions must be suspended for six months after receipt of a distribution of hardship Loans Termination of employment

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10 What type of investor are you? This questionnaire will help you select an investor profile based on your personal situation and comfort level with investing. The total score recommends which of the three risk profiles may be suited for your retirement investments. Answer these questions and total your score at the bottom. 1. How concerned are you that you won t achieve a high enough rate of return over the long term? Very concerned 10 Somewhat concerned 7 Not concerned 3 Score 2. How concerned are you about inflation s effect on your retirement savings loss of buying power? Very concerned 6 Somewhat concerned 4 Not concerned 1 Score 3. How concerned are you about wide swings in your account value over 1 3 months? Very concerned 0 Somewhat concerned 4 Not concerned 12 Score 4. How concerned are you about wide swings in your account value over 1 2 years? Very concerned 2 Somewhat concerned 6 Not concerned 12 Score 5. Which of the following concerns you most about your account? My ability to get back at least the same amount of money that I put in 2 That my money is not earning enough 6 How much I have gained or lost this month 0 10 Score

11 ENROLLMENT OVERVIEW 6. One of the investments in your account has performed very well for a few years. What would you do if it suddenly dropped 15% in 3 months? Sell immediately 0 Hold it 6 Buy more 8 Score 7. How much experience do you have with stock investments? A great deal 6 A fair amount 4 Very little 2 None 1 Score 8. How comfortable are you with stock investments? A great deal 12 A fair amount 10 Very little 4 Not at all 0 Score 9. How much experience do you have with bond investments? A great deal 5 A fair amount 3 Very little 2 None 1 Score 10. How comfortable are you with bond investments? A great deal 7 A fair amount 4 Very little 3 Not at all 0 Score Total score 11

12 Select an investment style to suit your risk level and when you plan to retire The following portfolios have been created specifically for Taylor Guitars by the plan s investment advisor representative. Use your score from the previous page to see where you fall on the Investor Profile chart below. Your score will help identify the corresponding portfolio that may be suited for you based on your risk level and years. Scoring Corresponding Portfolio ce 61+ PS18e 510 (Conservative) Investor profile score: 0 40 Investors in this style are looking for more conservative returns for their retirement goals and are fairly risk-adverse. When it comes to your retirement strategy, you prefer to take a more traditional approach and enjoy relaxing with your acoustic guitar as you strum a melody without interruption. You are a 510 investor profile if you look to take lower levels of risk in exchange for fewer surprises. Stable Value Bonds Stocks 0-5 Years 6-10 Years Years 16+ Years Percentages 510 Note: While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to asset allocation models neither guarantees a profit nor eliminates the possibility of loss. The custom models (and/or questionnaire) for the Taylor Guitars 401(k) Plan were created by the plan s investment advisor. Retirement Benefits Group Larry Deatherage, , Ldeatherage@rbgnrp.com. 12

13 ENROLLMENT OVERVIEW 814ce (Moderate) Investor profile score: Investors in this style are looking for a balanced approach with modest fluctuations to reach their retirement goals. You want a sound that is versatile and compatible with any style of music, and lets you shift from heavy strumming to light fingerstyle in an instant when it comes to your retirement strategy. You are a 814ce investor profile if you like the flexibility of blending traditional acoustic tones with more modern electric tones as you prepare for the highs and lows ahead. 0-5 Years 6-10 Years Years 16+ Years Stable Value Bonds Stocks Percentages 814ce PS18e (Aggressive) Investor profile score: 61+ Investors in this style are willing to take risks to reach their retirement goals. You are looking for a design that embodies a top-quality acoustic guitar with a show-stopping vibe for your investment strategy. You are a PS18e investor profile if you like a one-of-a-kind style that you can play to maximize your experience and endure any surprises along the way. 0-5 Years 6-10 Years Years 16+ Years Stable Value Bonds Stocks Percentages PS18e 13

14 You can adjust your asset allocation or change your investment choices by logging in to your account at www. taylorguitars401k.com. Prefer to create your own investment strategy In addition to the investment portfolios, the plan offers individual investment options if you would like the ability to create your own investment path and manage your retirement plan assets. Log into your account to view the funds available. Online tools In today s busy world, many investors enjoy learning about retirement related topics online. Through our Investment Education Toolbox and the My OneCheck Online tool from MasteryPOINT Financial Technologies, you can educate yourself and develop your retirement preparation strategy wherever (and whenever) it works best for you. 14

15 ENROLLMENT OVERVIEW Investment Education Toolbox By visiting you have access preparation resources such as: Our Asset Allocation Builder questionnaire to assist you with determining what type of investor you are Financial education resources from McGraw-Hill Financial Communications presented through articles, interactive charts and tutorials on a variety of topics Calculators and other tools to help you determine your retirement preparation strategy My OneCheck Online from MasteryPOINT My OneCheck Online is available to you by logging in to your retirement account at This tool includes resources to help you create your personal retirement strategy: Strategy Builder The My OneCheck Online StrategyBuilder web tool is designed to help you create a retirement action plan and provides recommendations from MasteryPOINT that may move you closer to your retirement goals. Retirement education The education section of the My OneCheck Online tool provides information on retirement preparation concepts and the advantages of your retirement plan. Calculators The calculators offered as part of My OneCheck Online are helpful retirement preparation and financial resources. This includes calculators such as a Distribution Planner and Paycheck Calculator. Methodology The My OneCheck Online RIS tool generates retirement wealth and retirement income projections based on current account balances, current salary, retirement age, life expectancy, current savings rates and rate of return assumptions entered by the participant. The risk questionnaire provides a series of questions that are used to determine the user s tolerance for risk. Based on his/her answers to the questions, the tool assigns each user a conservative, moderate, or aggressive risk profile. The tool then displays a suggested mix of assets that may be appropriate for the user s time horizon and risk profile. Consult with your financial professional to discuss how other investment options can be combined with your MasteryPOINT My OneCheck Online asset level suggestions to best meet your overall retirement or other financial goals. Note: MasteryPOINT s My OneCheck Online Retirement Income Strategy (RIS) tool is a sophisticated retirement planning tool designed to provide you with valuable help in reaching your retirement goals. However, forecasts and projections are derived from mathematical modeling techniques of the economic and financial markets that may or may not reflect actual conditions and events. The asset projections and suggestions of asset allocation strategies furnished through the My OneCheck Online RIS tool are based on information and assumptions you provide about your current financial, personal, family status, and expected returns as well the historical performance of various asset categories available within your plan. While My OneCheck Online can provide you with insights on which investment asset categories offered by your Plan appear to best fit your retirement needs, you are solely responsible for using your own best judgment to choose the investments that are most suitable for you. 15

16 Check out the My OneCheck Online tool by logging into your retirement account at www. taylorguitars401k.com Limitations and key assumptions There can be no assurance that any of the suggestions for modification of participant savings level, participant retirement age, participant retirement goal, or participant risk level will generate any specific level of retirement date wealth or income in retirement. These illustrations are hypothetical and are based on the information and variables you provide. Investing involves risk including the potential for loss of principal. Past performance is not a guarantee of future results. Your actual investment experience will vary. Any investment involves risk and there is no assurance that the investment objective of any investment option will be achieved. Before investing, understand that your investments are subject to market risk, including possible loss of principal. The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit, or protect against loss in a declining market. Monthly 401(k) retirement plan contributions are made at the end of each month prior at the specified rate you selected. Your 401(k) retirement plan assets grow at the pre and post-retirement rates of return you selected. Your salary growth before retirement is calculated at an annual rate of 3%. Contributions into the Plan before retirement will also grow at the same rate. Income growth after retirement is set to the inflation rate. After retirement, your growth-adjusted salary is withdrawn from your 401(k) retirement plan balance each month. This amount is indicated as withdrawn before investment growth is applied for the month. Monthly compounding is applied to rates of return and inflation. These values are applied at the rate you select, divided by 12 for growth of 401(k) retirement plan balances. Social Security is calculated based on your current salary. An earnings base for up to 35 working years prior date is calculated. Your current Social Security benefits are calculated from your assumed earnings base and that of your spouse (whether non-working spouse or working spouse if his/her age and salary are specified). A 2.5% annual growth factor is applied to your Social Security benefits after retirement. The calculated benefit is added to your 401(k) retirement plan balance at the end of each month 8 during retirement. Benefits are reduced for early retirement and increased for late retirement according to current Social Security regulations. If you are married and do not explicitly exclude the spouse Social Security benefit, a spousal benefit equal to one half of your benefit will be computed and added to your balance. If you retire before your normal retirement age (65, 66, or 67 depending on your age), your Social Security benefit will be reduced by the standard reduction formula. If you retire before age 62, your benefit may be reduced even further. The program does not consider your salary and Social Security contribution history. As a result, your computed benefit when you retire early may be less than your actual benefit. Contact the Social Security Administration for a more accurate benefit estimate. Your federal tax rate is calculated based upon your current salary (including spouse salary, if entered) and assumes only the standard deduction. State taxes are not considered in the analysis. 16

17 ENROLLMENT OVERVIEW Other risks and limitations MasteryPOINT My OneCheck Online cannot independently monitor, review, or update the recommendations or projections you receive from it, nor does it have the capability to monitor or review the investment decisions you make based on its recommendations or projections. Because MasteryPOINT My OneCheck Online s utility depends on the completeness, accuracy and timeliness of the information you provide, you are solely responsible for reviewing and updating information within MasteryPOINT My OneCheck Online. You understand that you must provide complete and accurate information when requested by MasteryPOINT My OneCheck Online in order to get meaningful results from it. IMPORTANT: The projections or other information generated by this RIS tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investments results and are not guaranteed. RIS does not evaluate every possible investment or retirement strategy you could use, particularly when considering investments outside of your employer sponsored pension plan. As a result, the recommendations of RIS may not have considered investments or strategies that would produce similar or superior results. Additionally, the results provided by RIS may vary with each use and over time depending on the assumptions you enter. Schlindwein Associates, LLC is an independent Registered Investment Advisor, and neither Schlindwein Associates, LLC nor MasteryPOINT are affiliates of McCready and Keene and are not OneAmerica companies. Consult with your financial professional to discuss how other investment options can be combined with your MasteryPOINT My OneCheck Online asset level suggestions to best meet your overall retirement or other financial goals. 17

18 Get started! Whether you prefer the internet or telephone, there s an easy-to-use enrollment tool available to you 24 hours a day, seven days a week. Enroll today at www. taylorguitars401k.com or by calling eenrollment 1. Visit 2. Select the View Your Account button 3. If you are a first time user, enter your Social Security Number (SSN) as your User ID, and enter the password provided to you via postal mail 4. Enter or confirm your personal information by clicking My Information 5. Enter your desired contribution amount by clicking My Contributions 6. Choose your investment options by clicking My Investments 7. Add beneficiary information by clicking My Beneficiaries 8. Review your entries and click Enroll Me What should I have ready when I visit the website? Social Security Number Contribution deferral amount Desired investment allocation Beneficiary(ies) information Including beneficiary Social Security Number Enrollment assistance over the phone English and Spanish speaking representatives are available Monday through Friday between 8 a.m. and 8 p.m. Eastern Time to help you complete your enrollment. For more information call our financial advisor: Retirement Benefits Group Larry Deatherage Ldeatherage@rbgnrp.com 18

19 ENROLLMENT OVERVIEW Notes 19

20 Note: McCready and Keene provides administrative and recordkeeping services and is not a broker/ dealer or an investment advisor. Neither McCready and Keene nor its representatives provide tax, legal, fiduciary or investment advice. MasteryPOINT Financial Technologies, McGraw Hill Financial Communications and Retirement Benefits Group are not affiliates of McCready and Keene, Inc. and are not OneAmerica companies. The AUL Stable Value Account is a group fixed annuity, issued by American United Life Insurance Company (AUL), One American Square, Indianapolis, IN , Mutual Funds are sold by prospectus. The prospectus contains important information about the fund. Before investing any money, plan participants should read the prospectus and carefully consider the fund s investment objectives, risks, charges and expenses. Investing involves risk, including the potential loss of principal. To obtain a copy of the prospectus, the participant should contact the plan s investment advisor or the mutual fund company directly. Investing involves risk including potential loss of principal. About OneAmerica A national leader in the insurance and financial services marketplace for 140 years, the companies of OneAmerica help customers build and protect their financial futures. OneAmerica offers a variety of products and services to serve the financial needs of their policyholders and customers. These products include retirement plan products and recordkeeping services, individual life insurance, annuities, asset based long-term care solutions and employee benefit plan products. Products are issued and underwritten by the companies of OneAmerica and distributed through a nationwide network of employees, agents, brokers and other sources that are committed to providing value to our customers. To learn more about our products, services and the companies of OneAmerica, visit OneAmerica.com/companies. McCready and Keene, Inc. a OneAmerica company P.O. Box Indianapolis, IN OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica and the OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc. R /19/17