Please note, some products are only available to you on a Guaranteed Issue basis for 30 days.
|
|
- Eunice Harrington
- 5 years ago
- Views:
Transcription
1 As a new associate with BHHS Homesale Realty, you have the opportunity to work for one of the most respected realty companies in the industry. Working for industry leaders has its advantages, and one of them is our Agent Benefits Program. The program, administered by Dergalis Associates, provides you with easy access to insurance and other financial products and services through financial professionals. The attached materials explain what the program offers, and how you can start participating right away. You will not find these perks in the offices of many of our competitors because offering these services to Realtors is considered unconventional. At BHHS Homesale Realty, we believe in taking care of our agents and assisting them in planning for the future. Here s looking forward to a long future together. Welcome to the company, Regina Coia President of Realty Operations, BHHS Homesale Realty DAYS ONLY Please note, some products are only available to you on a Guaranteed Issue basis for 30 days. Please take a moment to look through our offerings to ensure you meet the deadline.
2 Welcome to the Agent Benefits Program We know, as real estate agents, your time is money. Here are two great enrollment options to fit your schedule. You re busy, and you want someone to quickly explain the program to you. No problem! Fill in the information below, and fax it to (856) , no coversheet required. A representative will then contact you to run through the program, as well as provide you with quotes or advice. NAME You prefer to use this packet to learn about the program on your own time. Great! Read through the packet, then fill out and fax page to (856) , no coversheet required. A representative will then contact you to begin the enrollment process, as well as provide you with quotes or advice. LET S GET STARTED DATE START DATE PHONE OFFICE LOCATION FAXBACK (856) YOU RE DONE. You don t even have to flip this page. DAYS ONLY Please note, some products are only available to you on a Guaranteed Issue basis for 30 days. Please take a moment to look through our offerings to ensure you meet the deadline. Financial Professionals with Dergalis Associates offer securities through AXA Advisors LLC, 1290 Avenue of the Americas, New York, NY (212) , and offers insurance and annuity products through AXA Network, LLC. BHHS Homesale Realty and its affiliate companies do not offer investments or insurance. BHHS Homesale Realty and its affiliate companies are not affiliated with AXA Advisors or AXA Network. Dergalis Associates in not owned or operated by AXA Advisors or AXA Network. The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional s (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. PPG D (6/18) (Exp 6/20)
3 Agent Benefits Program helping you protect... your INCOME your HEALTH your FUTURE Tax Savings Plan Contribution Program 1 Life Insurance 2 Group or Individual Disability Insurance 2 Group or Individual Long-Term Care Insurance 2 Group Dental Insurance Group Vision Insurance Pet Insurance* Retirement Savings Plan Contribution Program Rollover from Previous Employer Retirement Account Investment Strategies through a complimentary Financial Needs Analysis College Savings Plan DERGALIS ASSOCIATES We re a team of professionals focusing on financial services and benefit administration. The team works together to help you create customized financial strategies and benefit plans. 1) The automatic contribution portion of the tax savings plan is not provided through AXA Advisors or AXA Network. All contributed funds are invested in a money market mutual fund through AXA Advisors, LLC. An Investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a mutual fund. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money. 2) These Insurance products are made available through third party carriers and are offered through an insurance brokerage, AXA Network, LLC and its subsidiaries. All group life, disability income, health, dental and vision insurance coverage is offered entirely outside of AXA Network, LLC, AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or any of their affiliates. AXA Advisors and AXA Network do not provide tax advice. Please consult your own tax advisor regarding your particular circumstances and appropriate course of action. The Retirement Savings Plan is not an employer-sponsored qualified retirement plan. through AXA Network, LLC. BHHS Homesale Realty and its affiliate companies do not offer investments or insurance. BHHS Homesale Realty and its affiliate companies are not affiliated with AXA Advisors or AXA Network. Dergalis Associates in not owned or operated by AXA Advisors or AXA Network. The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional s (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. PPG D (6/18) (Exp 6/20)
4 Automatic Contribution Program SAVE MONEY WHEN YOU MAKE MONEY There s one predictable trait all real estate commissions share: They re unpredictable. Most plans for saving are based on putting away a specific amount of money on a schedule. Houses don t sell on a schedule or for the same amount, so how can you save consistently? Our Automatic Contribution Program has you covered. We help you save money ONLY when you earn a commission check. Worried that check amounts vary? That s why you choose a percentage to save instead of a set dollar amount. How the Program Works Your local Financial Professional will discuss account options with you, and then guide you in selecting and opening the account that best suits your needs. Your Financial Professional then helps you in choosing the percentage of each commission check to be deposited into your account. If you find that you re saving too much or too little, the percentage can be adjusted. You save money ONLY when you make money. Contributions are only made to your account when you earn a commission. Your realty company coordinates with Dergalis to transfer your funds to your acount. You are automatically set up to save with minimal effort. You ll receive statements, as well as have 24/7 online account access. Don t need help saving for your taxes? Our Automatic Contribution Program can also be used to set up a business account for licensing fees, advertising expenses, continuing education and more! Tax Savings Plan Helping you protect your income A Putnam money market account offering a competitive interest rate A disciplined program to help meet quarterly and yearly tax requirements Spreads funding for tax payment obligation through the entire year Unlimited checkwriting No minimum balance Retirement Savings Plan Helping you protect your future Structured programs to help you plan for your retirement Individually customized financial vehicles IRA, SEP & Uni-401(k) plans available Defined Benefit Plans that provide maximum contribution levels Full service or self service plan options Interested? Fill out and fax back page The automatic contribution portion of the tax savings plan is not provided through AXA Advisors or AXA Network. All contributed funds are invested in a money market mutual fund through AXA Advisors, LLC. An Investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a mutual fund. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money. AXA Advisors, AXA Network and BHHS Homesale Realty do not provide legal or tax advice. Please seek assistance from an attorney and/or tax advisor based on your individual circumstances. The Retirement Savings Plan is not an employer-sponsored qualified retirement plan. through AXA Network, LLC. BHHS Homesale Realty and its affiliate companies do not offer investments or insurance. BHHS Homesale Realty and its affiliate companies are not affiliated with AXA Advisors or AXA Network. Dergalis Associates in not owned or operated by AXA Advisors or AXA Network. The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional s (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania.The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional s (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. PPG D (6/18) (Exp 6/20)
5 Jesse Thomas, Retirement Planning Specialist P: (610) E: W: agentbenefits.net/homesale Group Insurance Plans NEW ASSOCIATE SPECIAL Our group insurance plans are available to you as GUARANTEED-ISSUE during your New Associate Election Period. Since there is no medical underwriting process, you cannot be denied coverage based on your personal health history. This offer will only last for the next 30 days! Group Insurance Plans Helping you protect your income and your health Group Life Insurance Sample rate for a 40 year old agent $100,000 policy, $17.51 per month Group Short-Term Disability Income Insurance Sample rate for a 40 year old agent $500 weekly benefit, $21.63 per month Group Dental Insurance Group Vision Insurance DAYS ONLY Group Life Insurance and Disability Insurance are available to you as Guaranteed Issue ONLY during your New Associate Election period. You can participate in these plans at a later date, but they will require limited medical underwriting. Dental and Vision Insurance are Guaranteed Issue during your New Associate Election Period, annual company-wide open enrollment or a Qualifying Life Event. Interested? Fill out and fax back page All group life, disability income, health, dental and vision insurance coverage is offered entirely outside of AXA Network, LLC, AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or any of their affiliates. Quotes are not firm offers. through AXA Network, LLC. BHHS Homesale Realty and its affiliate companies do not offer investments or insurance. BHHS Homesale Realty and its affiliate companies are not affiliated with AXA Advisors or AXA Network. Dergalis Associates in not owned or operated by AXA Advisors or AXA Network. The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional s (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional s (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. PPG D (6/18) (Exp 6/20)
6 Request for More Information NEW ASSOCIATE SPECIAL Our Group insurance plans are available to you as Guaranteed-Issue during your New Associate Election Period. This offer will only last for the next 30 days! NAME DATE START DATE PHONE: OFFICE HOME CELL OFFICE LOCATION Check the products that you are interested in, and a representative will contact you to provide quotes or advice. Helping protect your INCOME Helping protect your HEALTH Helping protect your FUTURE Tax Savings Plan Contribution Program 1 Individual Life Insurance 2 Group Life Insurance Individual Disability Income Insurance 2 Group Disability Income Insurance Long-Term Care Insurance 2 Group Dental Insurance Group Vision Insurance Pet Insurance* Retirement Savings Plan Contribution Program Rollover from Previous Employer Retirement Account Investment Strategies through a FREE Financial Needs Analysis College Savings Plan FAXBACK (856) ) The automatic contribution portion of the tax savings plan is not provided through AXA Advisors or AXA Network. All contributed funds are invested in a money market mutual fund through AXA Advisors, LLC. An Investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a mutual fund. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money. 2) These Insurance products are made available through third party carriers and are offered through an insurance brokerage, AXA Network, LLC and its subsidiaries. All group life, disability income, health, dental and vision insurance coverage is offered entirely outside of AXA Network, LLC, AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or any of their affiliates. AXA Advisors and AXA Network do not provide tax advice. Please consult your own tax advisor regarding your particular circumstances and appropriate course of action. The Retirement Savings Plan is not an employer-sponsored qualified retirement plan. through AXA Network, LLC. BHHS Homesale Realty and its affiliate companies do not offer investments or insurance. BHHS Homesale Realty and its affiliate companies are not affiliated with AXA Advisors or AXA Network. Dergalis Associates in not owned or operated by AXA Advisors or AXA Network. The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional s (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. PPG D (6/18) (Exp 6/20)
Daryl Rogers. Please note, some products are only available to you on a Guaranteed Issue basis for 30 days.
As a new associate with Better Homes and Gardens Real Estate RELIANCE PARTNERS, you have the opportunity to work for one of the most respected realty companies in the industry. Working for industry leaders
More informationRon Shuffield. Please note, some products are only available to you on a Guaranteed Issue basis for 30 days.
As a new associate with EWM Realty International, you have the opportunity to work for one of the most respected realty companies in the industry. Working for industry leaders has its advantages, and one
More informationPlease note, some products are only available to you on a Guaranteed Issue basis for 30 days.
As a new associate with Edina Realty, you have the opportunity to work for one of the most respected real estate companies in the industry. Working for industry leaders has its advantages, and one of them
More informationPlease take a moment to look through our offerings to ensure you meet the deadline.
➊ Welcome to the Secure Advantage Program We know, as real estate agents, your time is money. Here are two great enrollment options to fit your schedule. You re busy, and you want someone to quickly explain
More informationWelcome to the Advantage Care Program We know, as real estate agents, your time is money. Here are two great enrollment options to fit your schedule.
Christopher M. Warenkiewicz, Retirement Planning Specialist P: (732) 326-5293 E: christopher.warenkiewicz@axa-advisors.com Christopher J. Kelly P: (732) 292-3357 E: christopher.kelly@axa-advisors.com Welcome
More informationWelcome to the Advantage Care Program We know, as real estate agents, your time is money. Here are two great enrollment options to fit your schedule.
➊ Welcome to the Advantage Care Program We know, as real estate agents, your time is money. Here are two great enrollment options to fit your schedule. You re busy, and you want someone to quickly explain
More informationPutnam Tax Account 11/17/2015
Putnam Tax Account 7 Putnam Tax Accounts Tax account: Money market at Putnam Investments offers free checking, unlimited check writing, no minimum balance requirements and there are no fees for checks.
More informationReceiving Required Minimum Distributions. Making it simple with TIAA
Receiving Required Minimum Distributions Making it simple with TIAA Required Minimum Distributions what you need to know What are Required Minimum Distributions? 1 How can you receive minimum distributions
More informationRetirement Income Planner
Retirement Income Planner Overview and map TIAA is committed to delivering the most innovative retirement income planning solutions to help you to feel confident about your decision on when to retire and
More informationYour life. Your future. Your options.
Your life. Your future. Your options. Whether by chance or by choice, you have options. Explore them with Empower Retirement. Corporate Retirement Plan Participant Brochure You want to retire someday or
More informationHelp for pursuing your financial goals
Help for pursuing your financial goals Pursuing financial well-being TIAA can help hat does success look like for you? On the following pages, you can learn about some of TIAA s products and services,
More informationYour Retirement Guide
Your Retirement Guide How to get started Just call 888.465.1300 and ask to speak with a retirement specialist. A retirement specialist will be your point of contact to assist with your pension and retiree
More informationGuide to online withdrawals
Streamlined withdrawal processing The online withdrawal process on the secure My TIAA-CREF website has the same easy-to-use navigation and functionality as other websites that you visit regularly to shop,
More informationA guide for the road to retirement. Announcing changes to Wesleyan University s 403(b)(7) Retirement Plan
A guide for the road to retirement Announcing changes to Wesleyan University s 403(b)(7) Retirement Plan 1 Overview of topics we ll be covering today Why the changes What is staying the same and what is
More informationReady to invest? Brokerage reference guide
Ready to invest? Brokerage reference guide You ve got goals. You can start investing for them today with a TIAA Brokerage account. Build and adjust your portfolio based on your needs. Choose how to manage
More informationYour Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account
Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account The Fidelity HSA A tax-advantaged way to pay for health care expenses.* A health savings account (HSA),
More informationGuide to online withdrawals
Less time, paper and phone calls Many types of withdrawal requests can be completed online through your account on TIAA.org, 1 which saves time and reduces the need for paper forms. This guide includes
More informationSIMPLE IRA 2017 Fact Sheet
SIMPLE IRA 2017 Fact Sheet A retirement plan option for small business owners with 100 or fewer employees may be an ideal option for your business. The Savings Incentive Match Plan for Employees (SIMPLE)
More informationAdvantage Guide. Experience Choice With OneExchange
2017 Advantage Guide Experience Choice With OneExchange IMPORTANT! The deadline to enroll in new Medicare coverage is December 7, 2016. Learn More This guide explains how OneExchange can help you evaluate
More informationwe want to start a financial services career in a targeted market
recruiting we want to start a financial services career in a targeted market retirement benefits group market opportunity People who work for public schools, colleges, universities, hospitals, nonprofit
More informationGetting to know TIAA s individual financial solutions and its financial professionals
Getting to know TIAA s individual financial solutions and its financial professionals For nearly 100 years, TIAA has served the retirement needs of plan participants who work in the academic, medical,
More informationGuide to online loans
Less paperwork. Faster service. You can request a loan online through your account on TIAA.org. 1 No paper application is needed, which saves time and helps you receive the funds quickly. This guide includes
More informationStand out in the business market
Insurance solutions for businesses Stand out in the business market Solutions, expertise and service, all in one place. Strengthen relationships and be there for your clients Whether you re just starting
More informationYour Retirement Guide: A Step-by-Step. Checklist POWER YOUR FUTURE
Your Retirement Guide: A Step-by-Step Checklist d POWER YOUR FUTURE Retirement is a big step. You will be asked to make many important decisions about your DTE Energy (the company ) benefits over the next
More informationTIAA Brokerage Services overview and account setup. Your quick guide to the enhanced brokerage program
TIAA Brokerage Services overview and account setup Your quick guide to the enhanced brokerage program For investors with specialized investing needs, more choice can mean more opportunity to direct retirement
More informationThe Schwab 529 College Savings Plan
The Schwab 529 College Savings Plan Rely on Schwab s expertise to help you plan for your child s college education. Maximize the benefits of a 529 Plan What is a 529 Plan? A 529 Plan is a state-sponsored,
More informationTIAA Brokerage overview and account setup. Your quick guide to the enhanced brokerage program
TIAA Brokerage overview and account setup Your quick guide to the enhanced brokerage program For investors with specialized investing needs, more choice can mean more opportunity to direct retirement investments
More informationAre you ready to roll?
Are you ready to roll? Is an IRA Rollover right for you? Variable Annuities: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal Government Agency Are Not Guaranteed by Any
More information2019 Health Savings Plan and Health Savings Account Questions
2019 Health Savings Plan and Health Savings Account Questions Contents Health Savings Plan (HSP)... 2 Health Savings Account (HSA) Overview... 4 Opening and Funding Your HSA... 5 Managing Your HSA... 8
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 informationRetirement Planning Guide
Boise Cascade, L.L.C. Savings Plan Boise Cascade, L.L.C. Retirement Savings Plan Boise Cascade, L.L.C. Hourly Savings Boise Cascade Company Savings Plan Plan Boise Cascade Company Retirement Savings Plan
More informationI CAN make the most of my qualified retirement assets. MetLife Income Annuity SM
I CAN make the most of my qualified retirement assets MetLife Income Annuity SM meet Allison Hypothetical Example. For Illustrative Purposes Only. Allison, age 70, is a retired businesswoman who must begin
More informationUnderstanding your. What it is, when to take it, and what to do with it.
Understanding your Required Minimum Distribution What it is, when to take it, and what to do with it. MAKE YOUR RMDs STRESS-FREE Once you reach age 70½, the IRS requires you to take money out of your retirement
More informationFor Employees. Principal Funds SIMPLE IRA
For Employees Principal Funds SIMPLE IRA Principal Funds SIMPLE IRA The following information is provided to help explain SIMPLE IRA plans that feature the Principal Funds as investment options. Principal
More informationThe George Washington University Retirement Plans. How to get started
The George Washington University Retirement Plans How to get started 11602_01_BRO_GWU_AllPlans.indd 1 Table of Contents Why Save 3 Plans at a Glance 4 Approved Investment Providers 7 How to Enroll 8 Provider
More informationAm I on the Right Track for Retirement?
Am I on the Right Track for Retirement? Date June 9, 2009 Presented by: Vernon H. Stockton, III Retirement Plan Specialist AC: 0506-755 Retirement is Closer then You Think What does retirement mean to
More informationTIAA Individual Advisory Services. Personalized financial advice for every stage of life
TIAA Individual Advisory Services Personalized financial advice for every stage of life Personalized solutions for your financial independence Find an advisor today. Go to TIAA.org/ individualadvisoryservices
More informationThe George Washington University Retirement Plans. How to get started
The George Washington University Retirement Plans How to get started Table of Contents Why Save 3 Plans at a Glance 4 Approved Investment Providers 7 How to Enroll 8 Provider Fact Sheets 9 Investment Education
More informationIntroducing the New York State Voluntary Defined Contribution Plan
Introducing the New York State Voluntary Defined Contribution Plan The new retirement option for New York State employees A presentation for payroll and human resources professionals Who s covered? State
More information2011 Guide to Medicare
2011 Guide to Medicare What you need to know now Look to Highmark to keep you informed. At Highmark Blue Shield, we feel strongly that it s our responsibility to give you the information you need to make
More informationAs the Plan Administrator for the Clergy Advantage 403(b) Retirement Plan Church & Clergy Alliance can help to:
PLAN SUMMARY Church & Clergy Alliance is a 501(c)(3) that serves as the umbrella organization sponsoring and providing administration for the Clergy Advantage 403(b). This allows the Clergy Advantage 403(b)
More information2017 Your. Connector Access Guide
2017 Your Connector Access Guide 2 Contact us via phone: 1-844-287-9945 Important! The deadline to enroll in new Medicare plans is CoverageEndDate. How to Contact Us Please take a moment to review this
More information403(b) PLAN. Employee Guidebook. Welcome Building retirement savings Options for investing You have control Open your account CONTENTS
403(b) PLAN CONTENTS Employee Guidebook WELCOME. One of the main reasons your employer chose T. Rowe Price as an investment provider for your 403(b) plan is because we ve established a reputation for competitive
More informationa 457(b) plan can help me save enough to retire
retirement plan a 457(b) plan can help me save enough to retire EQUI-VEST Strategies sm series 900 and 901 group variable deferred annuity for 457(b) EDC plans Variable Annuities: Are Not a Deposit of
More informationHealth Savings Accounts Frequently Asked Questions
Health Savings Accounts Frequently Asked Questions Like knowing what you re spending on health care costs? Then an HSA may be just the right thing for you. It puts your health care spending in your hands.
More informationAXA 401(k) information gateway newsletter
AXA 401(k) information gateway newsletter volume 1, issue 2 Table of Contents Letter from Richard D. Frink 1 Snapshot of Success 2 Regulatory Update 3 Product and Service Highlights 6 Making 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 informationSIMPLE IRA PLAN. Business Owner Guidebook CONTENTS. Welcome Benefits to investing Options for investing Begin the process General information
SIMPLE IRA PLAN Business Owner Guidebook CONTENTS WELCOME. When you commit to saving for retirement, you want to invest with a company that shares your dedication to hard work and results. At T. Rowe Price,
More informationWe Believe Better 401(k) Plans Are Built on Solutions Focused on Plan Sponsor Priorities.
Focus: Retirement Plan Services RecordkeeperDirect -Multifund Advisor Summary We Believe Better 401(k) Plans Are Built on Solutions Focused on Plan Sponsor Priorities. RecordkeeperDirect-Multifund 1 is
More informationRetirement Plans for Small Businesses and the Self-Employed
Retirement Plans for Small Businesses and the Self-Employed Retirement Planning Void Just 28% of companies with 10 or fewer employees offer any type of retirement plan 51% of companies with 10 to 24 workers
More informationAon Retiree Health Exchange Transition Guide
Aon Retiree Health Exchange Transition Guide New Health Care Coverage Options and Resources for Medicare-Eligible Retirees, Survivors, Long Term Disability Participants and Their Eligible Dependents. Welcome
More informationFrequently Asked Questions
Frequently Asked Questions We at Extend Health understand that your health care decisions are important, but can be confusing. Below are answers to some of our most frequently asked questions. Will my
More informationAmeritas Life Insurance Corp. of New York ("Ameritas Life of NY") Ameritas Life of NY Separate Account VA ("Separate Account")
Ameritas Life Insurance Corp. of New York ("Ameritas Life of NY") Ameritas Life of NY Separate Account VA ("Separate Account") Supplement to: Overture Acclaim! and Overture Accent! Prospectuses Dated May
More informationThe George Washington University Retirement Plans. How to get started
The George Washington University Retirement Plans How to get started Table of Contents Why Save 3 Plans at a Glance 4 Investment Providers 7 How to Enroll 8 Provider Fact Sheets 9 Investment Education
More informationFact finder Business needs analysis. Discover what your business needs most
Fact finder Business needs analysis Discover what your business needs most Business profile The first few questions help us better understand your business by providing a brief overview. Business profile
More informationDocumeent title on one or two. during the 2013 IRA season
Documeent title on one or two Tax lines savings Gustan opportunities Book 24pt during the 2013 IRA season The IRA season, from January 1 through April 15, may offer you opportunities to cut taxes and enhance
More information2016 Your. Getting Started Guide. Prepare for Your Medicare Plan Enrollment
2016 Your Getting Started Guide Prepare for Your Medicare Plan Enrollment Important! How to Contact Us Contact us by phone 1-844-287-9945 (TTY: 711) Monday through Friday, 8 a.m. until 9 p.m. Eastern Time
More informationHelping you recruit, reward and retain the best people
The Nationwide Corporate Incentive Program Plan sponsor guide Helping you recruit, reward and retain the best people NATIONWIDE BUSINESS SOLUTIONS GROUP In this guide, Nationwide assumes that the employer
More information2018 Connector Access Guide
2018 Connector Access Guide OneExchange is now Via Benefits! Please make a note of our new name and logo as you will be receiving information from Via Benefits for your Medicare coverage choices. 2 Contact
More informationIntroducing the AfterTax Roth Contribution. Option. October 2017
Introducing the AfterTax Roth Contribution Option October 2017 Today s Agenda The after-tax Roth contribution option Why the after-tax Roth contribution option may be right for you Comparing after-tax
More informationTransfers and withdrawals from the TIAA Traditional Annuity. TIAA s Transfer Payout Annuity
Transfers and withdrawals from the TIAA Traditional Annuity TIAA s Transfer Payout Annuity You may have the opportunity to move funds out of the TIAA Traditional Annuity, issued by Teachers Insurance and
More informationUSING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS
U.S. TRUST FIDUCIARY SERVICES FOR MERRILL LYNCH CLIENTS USING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS Trusteed IRAs from U.S. Trust WHAT S INSIDE Support from Merrill Lynch and U.S. Trust Beyond
More information3. Subaccount underlying portfolios available as variable investment options for your Policy are:
Ameritas Life Insurance Corp. of New York ("Ameritas Life of NY") Ameritas Life of NY Separate Account VUL ("Separate Account") Supplement to: Overture Encore! II Prospectus Dated May 1, 2012 Supplement
More informationYour Fidelity Health Savings Account. Information to help make the most of your new health savings account
Your Fidelity Health Savings Account Information to help make the most of your new health savings account Your Fidelity HSA The health savings approach that makes sense for today. And for tomorrow. Congratulations
More informationUnderstanding a change to your TIAA-CREF Investment Solutions IRA
Understanding a change to your TIAA-CREF Investment Solutions IRA A change is scheduled for TIAA CREF Investment Solutions IRAs in 2013. You will receive a new TIAA contract for each Investment Solutions
More informationSEP-IRA PLAN. Employee Guidebook CONTENTS. Welcome Building retirement savings Options for investing Get started Open your account
SEP-IRA PLAN Employee Guidebook CONTENTS WELCOME. We know your retirement savings will be one of your most valuable assets, so we are committed to managing risk and taking a long-term approach to investing.
More informationhealth savings accounts Invest in your health and your future.
accounts Invest in your health and your future. We ll go the distance to ensure your peace of mind and make the whole process fast and easy. Choosing a healthcare plan that suits the needs of you and your
More informationIn This Issue YEAR-END TAX PLANNING & NEWSLETTER Your Accountants and Business Advisors. Tax Plan From the New President-elect
YEAR-END TAX PLANNING & NEWSLETTER 2016 Your Accountants and Business Advisors HSA provides comprehensive tax compliance and consulting for businesses and individuals. Our team of highly experienced accountants
More informationFind the retirement solution that s right for your business and employees
RETIREMENT SOLUTIONS FOR BUSINESSES Find the retirement solution that s right for your business and employees Understand the options available through UnionBanc Investment Services 1. As a business owner,
More informationLIVING IN RETIREMENT: A TIAA FINANCIAL ESSENTIALS WORKSHOP. Paying Yourself: Income options in retirement Kyle Andrews February 23, 2017
LIVING IN RETIREMENT: A TIAA FINANCIAL ESSENTIALS WORKSHOP Paying Yourself: Income options in retirement Kyle Andrews February 23, 2017 Retirement overview Retirement confidence is rebounding after recent
More informationMEDIGAP MADE SIMPLE. By Rick Teska Rick Teska. All Rights Reserved
Ne! w MEDIGAP MADE SIMPLE By Rick Teska 2017 Rick Teska. All Rights Reserved Medicare Made Simple By Rick Teska WELCOME! Thank you for downloading our Medicare Made Simple Kit, we hope it is a helpful
More informationPlanning Your Financial Future
Planning Your Financial Future Pennsylvania Association of Nurse Anesthetists Hershey, Pennsylvania April 9, 2005 Reasons for Investing True or False? Mature Americans can expect to spend more years caring
More informationWithin Reach: Transitioning from career to retirement
Within Reach: Transitioning from career to retirement Get ready for a new journey LIVING IN RETIREMENT: A TIAA FINANCIAL ESSENTIALS WORKSHOP In every journey, there are choices Preservation is important
More information2019 Connector Access Guide
2019 Connector Access Guide 2 Contact us by phone: 1-844-287-9945 Introducing Via Benefits Trusted advisor to more than a million Medicare-eligible participants Health care coverage decisions are important.
More informationStreet Number Street Name Apartment Number. City State Zip Code
IRA Transfer Form PO Box 55932 Boston, MA 02205-5932 800-525-1093 Use this form to transfer your Traditional IRA, Roth IRA or SEP-IRA from another institution directly into a similar account at Janus.
More information2018 Rollover/Transfer Bonus Contract
2018 Rollover/Transfer Bonus Contract 800-379-7603 Complete this form to sign up for the Janus Henderson Rollover/Transfer Bonus Program. Once Janus Henderson receives the completed/signed form and eligible
More informationThe Schwab 529 Education Savings Plan. Rely on Schwab s expertise to help you plan for future education expenses.
The Schwab 529 Education Savings Plan Rely on Schwab s expertise to help you plan for future education expenses. Saving for college or other education expenses: A 529 plan is essential Tuition, fees, books,
More informationFirst Name Middle Initial Last Name. Street Number Street Name Apartment Number. City State Zip Code
Janus Janus Rollover/Transfer Rollover/Transfer Bonus Incentive Contract Contract PO Box 55932 Boston, MA 02205-5932 800-379-7603 Complete this form to sign up for the Janus Rollover/Transfer Bonus Program.
More informationFOR WOMEN: A TIAA FINANCIAL ESSENTIALS WORKSHOP. She s Got It: A woman s guide to savings and investing
FOR WOMEN: A TIAA FINANCIAL ESSENTIALS WORKSHOP She s Got It: A woman s guide to savings and investing Agenda She s got it: A woman s guide to saving and investing Financial goals and strategies Basics
More informationDISCLOSURE CONCERNING RETIREMENT ACCOUNTS INCLUDING IRAs AND ASSETS HELD IN ERISA- COVERED PLANS
Park Avenue Securities LLC 7 Hanover Square, NY, NY 10004 Phone: 888-600-4667 Web: www.parkavenuesecurities.com 2017 DISCLOSURE CONCERNING RETIREMENT ACCOUNTS INCLUDING IRAs AND ASSETS HELD IN ERISA- COVERED
More informationFUNDING & REIMBURSEMENT
FUNDING & REIMBURSEMENT Access & manage your reimbursement funds Inside You ll learn how to use your extend health online account. which documents you should save for use. how to submit claims for reimbursement.
More informationThe Schwab 529 College Savings Plan. Rely on Schwab s expertise to help you plan for a child s college education.
The Schwab 529 College Savings Plan Rely on Schwab s expertise to help you plan for a child s college education. Saving for college: A 529 plan is essential Tuition, fees, books, room and board. It all
More informationYour Retirement Guide: A Step-by-Step Checklist
Your Retirement Guide: A Step-by-Step Checklist Save Well, Live Well You Are Retiring Soon Congratulations! Retirement is a big step. You will be asked to make many important decisions about your Cummins
More informationWelcome to Retirement Made Easy!
Welcome to Retirement Made Easy! Welcome to Retirement Made Easy! UnitedHealthcare congratulates you as you enter the next phase of your life enjoyment of your retirement! As you plan for your retirement,
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 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 informationLearn about distribution options for your employer retirement plan assets. Investor education
Learn about distribution options for your employer retirement plan assets Investor education It s your retirement: Choose wisely As you plan your retirement, you ll need to decide what to do with the
More information10 The Is it time to consider a new retirement plan service model?
9 When was the last time your plan document was reviewed? Mutual of America offers comprehensive services to help you create and maintain up-to-date plan documents based on your plan type. For qualified
More informationMaryland Teachers and State Employees Supplemental Retirement Plans. The Basics. 457(b) Roth 457(b) 401(k) Roth 401(k) 403(b)
Maryland Teachers and State Employees Supplemental Retirement Plans The Basics 457(b) Roth 457(b) 401(k) Roth 401(k) 403(b) Maryland Teachers and State Employees Supplemental Retirement Plans Getting started
More informationYour Fidelity Health Savings Account. Information to help make the most of your new health savings account
Your Fidelity Health Savings Account Information to help make the most of your new health savings account Your Fidelity HSA The health savings approach that makes sense for today. And for tomorrow. Congratulations
More informationSocial Security: Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York. Change Creates Opportunities
Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York Social Security: Change Creates Opportunities Presented by Randy Kitzmiller RVP, Annuities Ash Brokerage ENT-843-N
More informationWelcome to your. Health Savings Account (HSA)
Welcome to your Health Savings Account (HSA) Welcome Thank you for opening a Health Savings Account (HSA) administered by National Benefit Services (NBS). We are here to help you and your family understand
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 informationTermination of Employment Benefits. Fact Sheet: Termination of Employment Benefits
Termination of Employment Benefits Fact Sheet: Termination of Employment Benefits KEY DEADLINES AS SOON AS YOU KNOW YOU WANT TO RETIRE (IF YOU ARE ELIGIBLE AND WANT TO CONTINUE MEDICAL, DENTAL, VISION
More informationUPMC Consumer Advantage health savings account. A great way to pay for your health care and save for the future
UPMC Consumer Advantage health savings account A great way to pay for your health care and save for the future Paying for your medical care no longer has to involve solely an old-style plan with copayments,
More information2018 Advantage Guide. Experience Choice With Via Benefits
2018 Advantage Guide Experience Choice With Via Benefits Introducing Via Benefits Trusted advisor to more than one million Medicare-eligible participants Your health plan decisions are important, and changing
More informationStrategies for staying on track to your retirement
Strategies for staying on track to your retirement TIAA-CREF and you: Planning an income for life For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater
More informationFidelity Personal Retirement Annuity * TAX-EFFICIENT, 1 COST-EFFECTIVE SAVINGS
Fidelity Personal Retirement Annuity * TAX-EFFICIENT, 1 COST-EFFECTIVE SAVINGS A tax-efficient, cost-effective way 1 to help you save more FIDELITY PERSONAL RETIREMENT ANNUITY * An important piece of your
More informationGetting Ready for Retirement 2018
Getting Ready for Retirement 2018 Getting Ready for Retirement This presentation summarizes the benefits you may be eligible for in retirement. For more detailed information, please refer to the Research
More informationSix Alternatives to Traditional Holiday Gifts. Member FINRA/SIPC
Six Alternatives to Traditional Holiday Gifts Gifts That Pay Off We ve all been there. A holiday is approaching, and you need to purchase a holiday gift. Or maybe it s a present to mark a special occasion
More information