Pension plan transition details. Information ahead
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1 Information ahead Transition details Guiding you to retirement What you should do After the transition Where to go for more information About Transamerica Retirement Solutions Transamerica Retirement Solutions will become your new retirement plan service provider for both the pension plan and the 403(b) plan on April 1, Welcome to Transamerica! We re excited to help you plan for the retirement you ve always wanted. Fresno Economic Opportunities Commission chose us because we re dedicated to helping you from the day you start saving to the day you call it a career and every day after that. This newsletter explains how the transition to Transamerica will work, and how we can help you get retirement ready. Pension plan transition details How will the pension plan transition work? Plan assets will transfer to Transamerica on April 1, 2016, and will be invested in a fund based on your projected retirement date (target date fund). You'll be unable to access your pension plan account between March 18, 2016 and the week ending April 29, Can I choose my investments for the pension plan? Yes. Along with the move to Transamerica, you ll be able to decide how your assets are invested based on the new fund lineup chosen by Fresno Economic Opportunities Commission. Once the transition is over the week ending April 29, 2016, you can decide if you d like to remain in the ageappropriate target date fund or if you d like to make some changes. Not sure what to do? You may contact Ryan J. Louie, CFP of Ford Financial Group at rlouie@fordfg.com or ; or Fred Hamsayeh, CFP, ChFC, MBA of Retirement Benefits Group at fredh@rbgnrp.com or x You can also visit eocretirement.trsretire.com or call Target date options generally invest in a mix of stocks, bonds, cash equivalents, and potentially other asset classes, either directly or via underlying investments, and may be subject to all of the risks of these asset classes. The allocations become more conservative over time: The percentage of assets allocated to stocks will decrease while the percentage allocated to bonds will increase as the target date approaches. The higher the allocation is to stocks, the greater the risk. The principal value of the investment option is never guaranteed, including at and after the target date.
2 403(b) plan transition details How will the 403(b) plan transition work? Your existing assets at American Funds won t automatically transfer to Transamerica, but you may choose to transfer your assets to your new account serviced at Transamerica. Consolidating your accounts and having both your existing assets and ongoing contributions in the same place can give you a clearer view of your retirement savings. It can also help you simplify your retirement planning strategy. For more information and assistance with transferring your assets, you may contact Ryan J. Louie, CFP of Ford Financial Group at rlouie@fordfg.com or ; or Fred Hamsayeh, CFP, ChFC, MBA of Retirement Benefits Group at fredh@rbgnrp.com or x You can also visit eocretirement.trsretire.com or call You can also contact a Transamerica transfer specialist at or consolidate@transamerica.com. Review the fees and expenses you pay, including any charges associated with transferring your account, to see if consolidating your accounts could help reduce your costs. Be sure to consider whether such a transfer changes any features or benefits that may be important to you. The role of the transfer specialist is to assist you with your savings and investment plan. There are no fees or commissions for meeting with your transfer specialist, who is a registered representative with Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY Do I need to choose a new savings rate? No. Your current savings rate will transfer to Transamerica, and you will continue saving without interruption. Any new contributions received will be invested in a fund based on your projected retirement date (target date fund) at Transamerica. Beginning on April 1, 2016, you can choose investment elections for your new contributions and decide if you d like to remain in the age appropriate target date fund or if you d like to make some changes. 2
3 Guiding you to retirement Because Fresno Economic Opportunities Commission cares about your financial wellness, they ll offer Transamerica s comprehensive retirement readiness solution: the Managed Advice service. Managed Advice is a voluntary option. It isn t always easy to know if you re saving enough, have chosen a good mix of investments and if you ll have enough money when you retire. Managed Advice makes the hard work (and guesswork) of retirement planning easier. Managed Advice is an innovative, comprehensive retirement planning solution that offers specific savings and investing recommendations, and puts your plan into action automatically. Specifically, Managed Advice: Recommends an appropriate savings rate for you based on your personal profile. Invests your account based on your time horizon and risk preference. Rebalances your portfolio each quarter to maintain your mix. Lets you track your progress toward your goals in real time, and provides annual retirement readiness check-ups. Gives you access to advice from qualified retirement advisors. An affordable solution The annual fee for the service is 0.25% of your Managed Advice balance, deducted monthly or only about $2.08 per month for every $10,000 in your account. (Any fees charged by the funds in which you invest, or related to rebalancing, will still apply.) Easy sign-up Once the transition is complete, sign in at eocretirement.trsretire.com or call toll-free at to subscribe to Managed Advice. Your Managed Advice retirement advisor team With Managed Advice, you ll have access to a team of retirement advisors who can help you set sound goals, explain how to reach them and put your plan into action. You can talk with anyone on the Managed Advice retirement advisor team by calling Your Managed Advice retirement advisor is an investment advisor representative of Transamerica Retirement Advisors, LLC, registered investment advisor. eocretirement.trsretire.com 3
4 What you should do Once the transition is complete the week ending April 29, 2016, sign in at eocretirement.trsretire.com to: 1. Set up your accounts online. When you first sign in, you ll be asked to provide some basic financial information, such as your salary and any retirement savings you have outside the plan. This will give you a better idea of how you re doing today and what adjustments you may need to make for tomorrow. You ll also be prompted to provide your address, which will enable us to send you regular progress reports and other timely account information. 2. Name your beneficiary(ies). The beneficiary choices you made will not transfer, so you should take a few minutes to designate a beneficiary(ies) with Transamerica. Otherwise, if you should die, your plan s rules will dictate where your account assets will go, which may not be what you d intended. (Note that if you re married and name someone other than your spouse as a primary beneficiary, you may need to complete and submit a spousal consent form.) 3. Review your investments. Once you set up your new accounts online, you can review your investments and make any changes you feel are necessary. Your plan advisors If you have questions about your available investment options, consolidating your assets, or the move to Transamerica, you may contact: Ryan J. Louie, CFP of Ford Financial Group in Fresno at rlouie@fordfg.com or ; or Fred Hamsayeh, CFP, ChFC, MBA of Retirement Benefits Group at fredh@rbgnrp.com or x Transamerica Retirement Solutions is not affiliated with Retirement Benefits Group or Ford Financial Group. 4
5 After the transition When can I access my account? We expect the pension plan transition to be complete the week ending April 29, 2016, and you ll have access to your new 403(b) account beginning on April 1, Will I receive account statements? Yes. You will receive a statement from Transamerica to confirm that the pension plan transition is complete. Transamerica will then send you alerts when your quarterly statements and other account materials are available. Where to go for more information Pension Plan No action is required in the pension plan, but you can contact Human Resources (b) Plan No action is required at American Funds your 403(b) assets will remain there unless you move them to Transamerica. americanfunds.com Your plan advisors If you have questions about your available investment options or for help with transferring your 403(b) assets to Transamerica, contact your plan advisors. Ford Financial Group Ryan J. Louie, CFP rlouie@fordfg.com Retirement Benefits Group Fred Hamsayeh, CFP, ChFC, MBA fredh@rbgnrp.com x21112 Transamerica Visit us online during the transition to find out how the move works. Once the transition is complete, sign in or call toll-free to manage your account. eocretirement.trsretire.com eocretirement.trsretire.com 5
6 Group Meetings Ford Financial Group and Retirement Benefits Group will host group meetings for you to learn more about the move to Transamerica. Meetings have been scheduled to coincide with program staff meetings. If your program is not listed below or if you are unable to attend the staff meeting as scheduled below, please feel free to attend a session listed as All Program Employees Welcome. For these sessions, we will begin a new session each hour.* Date Time Location Program (if applicable) March 7 10:30 a.m. 11:30 a.m. 1:00 p.m. 5:00 p.m. Nielsen Conference Center Food Service Staff Meeting March 8 9:00 a.m. 12:00 p.m. 1:00 p.m. 5:00 p.m. March 9 March 10 9:00 a.m. 10:00 a.m. 10:00 a.m. 11:00 a.m. 12:00 p.m. 5:00 p.m. 8:30 a.m. 10:30 a.m. 1:00 p.m. 5:00 p.m. HR Training Room HR Training Room LiHeap Staff Meeting March 11 9:00 a.m. 2:00 p.m. 2:30 p.m. 3:30 p.m. HR Training Room LCC Conference Room LCC Staff Meeting March 14 11:00 a.m. 12:00 p.m. Health Clinic Health Services Staff Meeting March 23 11:30 a.m. 12:30 p.m. 2:30 p.m. 3:30 p.m. Nielsen Conference Center WIC Staff Meeting April 1 8:00 a.m. 5:00 p.m. Location TBD Head Start In-Service For any questions, you may selfservice@fresnoeoc.org or contact HR at or Finance at
7 About Transamerica Retirement Solutions Transamerica Retirement Solutions is a full-service retirement plan provider who has worked with retirement plans for more than 75 years, helping people save and invest wisely through their employer-sponsored plans. Today, more than four million employees in organizations across America save for retirement with us. No matter what kind of investor you are, we can simplify your planning with the expertise and resources you need to reach your goals. Managed Advice provides you with an asset allocation mix of funds available within the plan. The asset allocation mix will be automatically rebalanced to become more conservative over time as you approach a designated retirement year. Additional fees and terms and conditions apply to the Managed Advice service. Retirement date portfolios are subject to the same risks as the underlying assets in which they invest. The higher the portfolio s allocation to stocks, the greater the risk. The principal value of the portfolio is never guaranteed, including at and after the target date. Securities offered through Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY The Managed Advice service is offered through Transamerica Retirement Advisors, LLC (TRA), registered investment advisor. Fresno Economic Opportunities Commission has selected Transamerica Retirement Solutions as your retirement plan provider, but there are no other affiliations between Fresno Economic Opportunities Commission and Transamerica or its affiliates, TISC and TRA. eocretirement.trsretire.com 7
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