Presenter: Jim Mendoza -
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1 Presenter: Jim Mendoza -
2 Personal Savings Social Security Healthcare Options Pension
3 Plan Components Defined Benefit 401a Guaranteed lifetime benefit upon eligibility Survivor benefit options Funded benefit Calculated on service and compensation
4 Benefit Calculation Plans SCY AFC Monthly Benefit Making it easy to see your future.
5 Benefit Calculation Plans SCY AFC Monthly Benefit Making it easy to see your future.
6 Benefit Calculation Plan 3 One Benefit Two Checks 0.01 SCY AFC Monthly Benefit Making it easy to see your future.
7 Early Retirement Factors Plans 2 & 3 Age at Retirement Plan 2: 20 Years Plan 3: 10 Years Years 3% Making it easy to see your future.
8 Working After Retirement
9 Returning to a DRS or HERP Eligible Employer
10 Returning to a DRS or HERP Eligible Employer After effective retirement date Within first 30 calendar days 5.5% benefit reduction every 8 hours worked (PERS/SERS) every 7 hours worked (TRS)
11 Returning to a DRS-Eligible Position After effective retirement date After first 30 calendar days Work 867 hours benefit continues Exceed 867 hours Termination January 1 st Making it easy to see your future.
12 Early Retirement Factors Plans 2 & 3 Age at Retirement Plan 2: 20 Years Plan 3: 10 Years Years 3% Years EHB Making it easy to see your future.
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16 One Benefit Two Checks
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18 The Power of Indexing
19 Can I Change My Option? Option 1 Option 2, 3, or 4 Marriage after Retirement Change Beneficiary Pop-up Provision Remarriage? Making it easy to see your future.
20 Can I Change My Option? Un-retire Making it easy to see your future.
21 Purchase Additional Benefit How Can I Maximize My Defined Benefit? Purchase Service Credit (all plans) o o o o Purchase up to 60 months Not membership service For increased benefit Life Annuity Making it easy to see your future.
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24 How Do I Retire? Contact DRS for an estimate Apply online Making it easy to see your future.
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26 Beneficiary Updates Proof of Age Address Updates Spousal Consent
27 What about the Plan 3 Defined Contribution? Plan 3 Defined Contribution Component Member contributions Investment program Access at separation No guaranteed rate of return Making it easy to see your future.
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29 Making it easy to see your future.
30 Making it easy to see your future.
31 Payment Options Access upon separation from service Option 1: Lump sum Option 2: Direct rollover Option 3: Scheduled payments Option 4: Annuity Single life (TAP or self-direct) Joint life (TAP or self-direct) Term Certain, single life (self-direct only) Term Certain, joint life (self-direct only) Making it easy to see your future.
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35 Annuity Purchase: Example Pat age 65 Chris age 61 $100,000 Purchased (TAP) Option 1 (Single Life) $641 Opt 2 (Joint 100%) $506 Opt 3 (Joint 50%) $566 Opt 4 (Joint 66 2/3 %) $544 Making it easy to see your future.
36 Making it easy to see your future.
37 ICMA-RC Client Services
38 Pension Personal Savings
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40 It s Easy!
41 What is DCP? Supplemental Retirement Savings Program Discover the Smart, Easy Way to Save.
42 It s Smart! Low Administrative Fee < 0.13% No Sales Commissions No Transaction Fees No Penalties for Early Withdrawals Tax Deferred Discover the Smart, Easy Way to Save.
43 It s Easy! Payroll Deduction You decide how much! Minimum Contribution $30 per month Change your contribution amount any time. Discover the Smart, Easy Way to Save.
44 2013 Deferral Maximums $35,000 3 yrs prior to normal retirement age $30,000 $25,000 $1,916 monthly Up to $35,000 $20,000 $15,000 $1,458 monthly $17,500 + $5,500 $17,500 $23,000 $0 Regular Deferral 50 + Catch Up OR Regular Catch Up
45 It s Easy! Calculators
46 Investment Decisions Build & Monitor Seven separate investment choices You monitor You adjust You rebalance Discover the Smart, Easy Way to Save.
47 Build & Monitor Funds Savings Pool Washington State Bond Fund Socially Responsible Balanced Fund U.S. Large Cap Equity U.S. Small Cap Value Equity Global Equity Emerging Market Diversify Monitor Rebalance Less potential risk / return More potential risk / return Discover the Smart, Easy Way to Save.
48 Investment Decisions Build & Monitor Seven separate investment choices You monitor You adjust You rebalance One Step Investing Twelve fully diversified funds Automatically adjusted Automatically rebalanced Discover the Smart, Easy Way to Save.
49 Which Fund Is Right For Me? If you want to retire at 65, and were born in 1950 Your Retirement Strategy Fund will be January 1, 1983 or after January 1, December 31, 1982 January 1, December 31, 1977 January 1, December 31, 1972 January 1, December 31, 1967 January 1, December 31, 1962 January 1, December 31, 1957 January 1, December 31, 1952 January 1, December 31, 1947 January 1, December 31, 1942 December 31, 1937 or before 2050 Retirement Strategy 2045 Retirement Strategy 2040 Retirement Strategy 2035 Retirement Strategy 2030 Retirement Strategy 2025 Retirement Strategy 2020 Retirement Strategy 2015 Retirement Strategy 2010 Retirement Strategy 2005 Retirement Strategy 2000 Retirement Strategy
50 One Step Investing Automatic Glide Path Aggressive Growth Moderate Growth Income With Growth Preserve Spending Power
51 It s Easy! Investments
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55 Distribution So how do I make withdrawals? Discover the Smart, Easy Way to Save.
56 Distribution When? Separate from Employment OR Retire Earliest 30 days after last pay check Latest by April 1 after you reach 70 ½ Required Minimum Distribution Payment - RMD It s an IRS requirement! Discover the Smart, Easy Way to Save.
57 Distribution How? Lump Sum Partial Lump Sum (Followed by Installments) Rollover Purchase Service Credit Installments Specific Time Period Personalized Payment Plan Annuity Flexible Withdrawal Any Amount Any Time!
58 Distribution Can I change or stop my payments? Change payment amount any time. 70½ - meet RMD. Cancel payment anytime if under 70 ½ Discover the Smart, Easy Way to Save.
59 Distribution Which funds will my payments come from? 1. Savings Pool 2. Pro-rata Fund Allocation 25% U. S. Large Cap Equity 75% WA State Bond Fund $1,000 Payment $250 U. S. Large Cap Equity $750 WA State Bond Fund Discover the Smart, Easy Way to Save.
60 Distribution Will DCP payments impact my pension or Social Security payments? Discover the Smart, Easy Way to Save.
61 Distribution What about taxes? Discover the Smart, Easy Way to Save.
62 Distribution Distribution Period Less than 10 years 10 years or more Tax Info 20% withheld at distribution Taxed as ordinary income Reported on form 1099-R Rollovers from previous employer with 10% early withdrawal tax penalty keep 10% early withdrawal tax penalty. Discover the Smart, Easy Way to Save.
63 Contact DCP Information Line 24 hrs/day 7 days/wk Access a Representative 8am - 5pm Monday through Friday
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67 Presenter: Jim Mendoza -
Retirement Plans. Page 1. Retirement Plan Choices New Employee Retirement Orientation for Faculty and Administrative Professionals
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