Streamlined services to help prepare your employees for retirement

Transcription

1 Retirement Plans Nationwide Retirement Flexible Advantage Foundations Platform Streamlined services to help prepare your employees for retirement For Plan Sponsor Use

2 Welcome. We know you have many choices when it comes to your group retirement platform provider. Thank you for considering Nationwide. With a Nationwide retirement platform, you ve got a strong foundation to help support you. Nationwide Financial Advisor Provides access to the investment platform and partners with you to drive participant outcomes Keeps plan records secure and distributes important statements Provides tools and technology for education Manages plan sponsor and participant websites Partners with you to ensure overall success of the plan Implements employee education strategy Completes annual plan review Monitors support of service providers PLAN SPONSOR IRON Financial 3(38) investment fiduciary service Selects, monitors, and replaces core investments based on performance and cost criteria Manages funds to the Investment Policy Statement Executes quarterly fiduciary reporting Performs due diligence reviews of Nationwide ProAccount Administration Provides required services to maintain the tax-favored status of the plan Customizes plan design to your needs Offers compliance services and IRS filing Administers loans and benefit payments

3 Spend more time running your business. Nationwide Retirement Flexible Advantage Foundations is the turnkey retirement platform that makes decisions easier for you, allowing you to spend more time running your business. The features and benefits of this platform include: IRON Financial 3(38) investment fiduciary service Delegating discretionary authority to IRON Financial to manage your investments allows you to reduce your risk exposure for fund selection, monitoring, or replacement. Solutions for many types of investors Along with the core investment lineup, participants have access to investment solutions that meet a wide variety of styles and objectives, including Fixed options, Nationwide ProAccount, and Fund Window. Participant experience Our personalized Retirement Readiness experience and dedicated Virtual Service Representative help educate your participants to retire with confidence. Retirement plan videos and presentations Participants have access to ongoing educational resources that meet their needs from Understanding Investments to Living in Retirement. DALBAR award winning service* As one of Fortune s best places to work **, our team-based approach helps to simplify the plan s responsibilities. * 2017 DALBAR Plan Participant Service Award ** Fortune Best Companies to Work For 2017

4 Including IRON Financial on this platform as the 3(38) allows them to choose your plan s line-up, so you don t have to. We know you re busy every day running your business. Managing the investments in your retirement plan doesn t have to be a burden. As a feature of this platform we offer IRON as the 3(38) to act as the Investment Fiduciary IRON Financial has over 20 years of experience as an investment advisor for qualified retirement plans. Annual certification from the Centre for Fiduciary Excellence, LLC (CEFEX) as an ERISA Investment Fiduciary since 2011 and among the first investment advisors globally to successfully complete the independent certification process.* IRON Financial accepts the oversight and monitoring responsibilities for Managed Accounts Services and the Managed Accounts provider, thereby relieving the plan sponsor of this obligation. *Registered by CEFEX Centre, Centre for Fiduciary Excellence LLC, Toronto, Ontario Canada, June 2011.

5 We offer solutions for many types of investors. At Nationwide, we understand that your plan participants will have different degrees of knowledge and interest in investment management. That s why we offer a platform with a diverse set of investment options. Some of these platform features are: Fixed Options A Nationwide fixed option is available for those participants seeking a guaranteed rate of return in exchange for less investment risk. IRON Financial IRON Financial selects a core lineup including target date funds based on rigorous standards, updated quarterly. Nationwide ProAccount A managed account option is available for those participants who want help in deciding where to invest their money and rebalancing investments over time. Fund Window In addition to the established core lineup, participants can choose from any of over 1,500 funds available at Nationwide.

6 We help your employees retire with confidence. The decisions employees make about their retirement plans today will impact them for years to come. That s why they need support as they prepare for retirement from their initial enrollment all the way through retirement. Our Retirement Readiness experience through the My Interactive Retirement Planner SM gives participants a quick snapshot of their projected retirement income as well as an action plan of options to consider to help improve saving habits. Mobile compatible website, so your online experience is consistent regardless of your device. Our quarterly Successful Outcomes newsletter helps your participants stay up to date on plan news and financial topics. Online self-service and virtual enrollment with support. Electronic delivery of statements, notices and communications. Our DALBAR award winning Participant Service Team is available via phone Monday through Friday 8 a.m. 11 p.m., and Saturday 9 a.m. 6 p.m. EST.

7 Retirement Videos and Presentations Participants can learn about important retirement related topics. Videos offer an introduction into each topic to quickly engage participants, while the recorded presentations offer an in-depth look at each topic from getting started through living in retirement. Each allow participants to learn at their own pace. View our participant resources at nationwide.com/participanted. Educational Workshops Create educational experiences using presentations and brochures that cover retirement topics that matter most to participants. Retirement for millennials Retirement myths and realities Learning about Social Security Understanding your retirement account statement Understanding investments in your retirement account Health care, Medicare and long-term care in retirement Managing your retirement account Avoiding emotional investing Managing wealth Types of risk in your retirement account Increasing contributions to your retirement plan account Approaching retirement Managing risk in your retirement account Planning your financial future Living in retirement

8 We built our service model around you. NATIONWIDE S PILLARS OF SERVICE Knowing you and your needs Making it simple for you Being your advocate A dedicated point of contact We assign every new plan a New Business Implementation Manager who will assist you throughout the set-up process. Once you re set up, you ll have a personal primary contact, backed by a team of professionals, to provide consistency as we help manage your plan. Our implementation managers and conversion teams have been recognized by DALBAR from 2014 through 2017 for managing new client relationships over the phone and through .

9 Helping America prepare for and live in retirement. We recordkeep approximately 37,000 plans 1 We service more than 2.4 million participants 1 1 We manage and administer over $133 billion in retirement assets 1 Nationwide Finance, 12/31/2017 FINANCIAL STRENGTH RATINGS A+ Superior A1 Good A+ Strong A.M. Best Moody's Standard & Poor's 2nd strongest of 16 Received 10/17/02 Affirmed 10/2/17 5th strongest of 21 Received 3/10/09 Affirmed 11/7/17 5th strongest of 22 Received 12/22/08 Affirmed 5/24/17 These ratings and rankings reflect rating agency assessment of the financial strength and claims-paying ability of Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company. They are not intended to reflect the investment experience or financial strength of any variable account, which is subject to market risk. Because the dates are only updated when there s a change in the rating, the dates above reflect the most recent ratings we have received. They are subject to change at any time.

10 Our commitment to America goes above and beyond. Community matters to us. Beyond helping America prepare for and live in retirement, every year we give more of our best our time, money and energy to build on that sense of community in the places where we live and work. $10 million contributed in 2017 by the Nationwide Foundation to Nationwide Children s Hospital for the Nationwide Foundation Pediatric Innovation Fund. 3 16,000 units of blood donated to American Red Cross and local blood banks by Nationwide associates in $430 million contributed by the Nationwide Foundation since 2000 to nonprofit organizations across the country million meals raised by Nationwide associates for Feeding America food banks ,903 volunteer hours from Nationwide associates in $136.9 million pledged to United Way by our associates, partners and retirees since the year Office of Corporate Citizenship and the Nationwide Foundation.

11 Help your employees prepare for the future today. Call our National Sales Desk at a.m. 11 p.m. ET, Monday through Friday Visit our website Nationwide.com/retirementplans

12 This material is not a recommendation to buy, sell, hold or roll over any asset, adopt an investment strategy, retain a specific investment manager or use a particular account type. It does not take into account the specific investment objectives, tax and financial condition, or particular needs of any specific person. Investors should work with their financial professional to discuss their specific situation. Neither Nationwide, nor its affiliates, unless affirmatively communicated in writing to the contrary, are undertaking to provide impartial investment advice or to give advice in a fiduciary capacity. For more information about the available underlying investment options, including all charges and expenses, please consult a fund prospectus by calling or visiting nationwide.com. Fund prospectuses and additional information relating to your retirement plan can be obtained by contacting your plan representative. Before investing, carefully consider the fund s investment objectives, risks, charges and expenses. The fund prospectus contains this and other important information. Read the prospectus carefully before investing. My Interactive Retirement Planner SM is a hypothetical compounding example and is not intended to predict or project investment results of any specific investment. Investment return is not guaranteed and will vary depending upon your investments and market experience. Assumptions do not include fees and expenses. If fees were reflected, the return would be less. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Neither the company nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions. The plan sponsor, and not Nationwide, selects the registered investment advisor used in conjunction with managed accounts. The plan sponsor must determine whether this service is appropriate for participants. Additional fees apply for this service. Nationwide and its representatives do not provide tax, financial or legal advice. Neither Nationwide or any of its affiliates are related to, or affiliated with IRON Financial. Nationwide Investment Advisors, LLC (NIA) provides investment advice to plan participants enrolled in Nationwide ProAccount. NIA is an SEC-registered investment adviser. NIA assesses participants an asset-based fee for the managed account services. The Nationwide Group Retirement Series includes unregistered group fixed annuities and trust programs. The unregistered group fixed annuities are issued by Nationwide Life Insurance Company. Trust programs and trust services are offered by Nationwide Trust Company, a division of Nationwide Bank. Nationwide Investment Services Corporation, member FINRA, Columbus, Ohio. Nationwide, the Nationwide N and Eagle, Nationwide ProAccount, Nationwide Retirement Flexible Advantage, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company Nationwide. APPROVED FOR PLAN SPONSOR USE PNM-15223AO.1 (07/18)