I highly recommend all of our actively assigned diocesan priests to join this new savings plan and begin saving now for their future retirement.
|
|
- Coral Joseph
- 5 years ago
- Views:
Transcription
1 PASTORAL CENTER: HUMAN RESOURCES DEPARTMENT CHAPMAN AVENUE, GARDEN GROVE, CA NEW RETIREMENT SAVINGS PLANS FOR DIOCESAN PRIESTS Dear Presbyterate, The Diocese of Orange is pleased to announce the creation of a new retirement savings plan available to all active serving priests of the Diocese of Orange. The Diocese is committed to helping you prepare for the retirement you want and deserve. Beginning January 2, 2017, you will have a new way to help you supplement your retirement savings: The Diocese of Orange Priest Savings Plan. You will receive pension benefits through the Diocese of Orange Priests Pension Plan and Social Security will be part of your retirement plan too. But you will most likely need additional savings to live comfortably in retirement. Participating in the Diocese of Orange Priest Savings Plan is a convenient way to save more for your retirement. Since it is a tax-deferred savings plan, pretax contributions can be deducted automatically from your paycheck. That will lower what you owe in taxes now and puts that money to work for your future instead. Contributions can be invested according to the style and preference of your personal investment goals or retirement profile. The Diocese and their independent investment advisor, Investing for Catholics, have designed a streamlined investment menu that provides a faith-consistent way to help simplify investing decisions and offer flexibility. Together, with TIAA as recordkeeper, the plan is designed to provide you with the education, tools and resources to help you on your journey to retirement. I highly recommend all of our actively assigned diocesan priests to join this new savings plan and begin saving now for their future retirement. Sincerely, Fr. Ted Olson Chair, Priests Retirement Plan Committee CNA (11/16)
2 Introducing The Diocese of Orange Priest Savings Plan It s easier than ever to plan and save for retirement. Whether it s years down the road or just around the corner, you can get started right now.
3 The Diocese of Orange is pleased to provide you with a new opportunity to save and invest for retirement The Diocese is committed to helping you prepare for the retirement you want and deserve. Beginning January 2, 2017, you will have a new way to help you supplement your retirement savings: The Diocese of Orange Priest Savings Plan. Even though you receive pension benefits through the Diocese of Orange Priests Pension Plan, you will most likely need additional savings to prepare for retirement. Participating in the Diocese of Orange Priest Savings Plan is a convenient way to contribute more for your retirement. Since it is a tax-deferred savings plan, pretax contributions are deducted automatically from your paycheck and reduce your current taxable income. That lowers what you owe in taxes now and puts that money to work for your future instead. The Diocese and their independent investment advisor, Investing for Catholics, have designed a streamlined investment menu that provides a faith-consistent way to help simplify investing decisions and offer flexibility. Together, with TIAA as recordkeeper, your plan is designed to provide you with the education, tools and resources to help you on your journey to retirement. Getting started is easy. Just go to TIAA.org/rcbo and select Ready to Enroll, beginning January 2, Then follow the prompts to Register or Log in. You will be asked to select your contribution amount, choose your investments and provide your beneficiary information. Just confirm your information to complete your enrollment. Questions? Call or visit TIAA.org/rcbo
4 The Diocese of Orange Priest Savings Plan offers valuable benefits: Convenience Contributions are automatically applied to your account. Tax deferral No income taxes are taken on your contributions or their earnings, until you take money out of the plan. 1 Diverse investments You can build a portfolio of professionally managed investments to suit your personal goals and risk tolerance. Pretax savings Every dollar you save is on a pretax basis, which can reduce your current taxable income. Commitment to keeping costs low The Diocese leverages their economy of scale to keep costs low so more of your money works toward your retirement. Why it s important to act now People are living longer these days. That s a good thing, but it means you ll probably need more money to cover daily expenses and healthcare when you retire. On average, Social Security will provide only 40% of the money you will need during your retirement years. 2 Time is on your side: The earlier you act, the more it can do for you. Time and compounding can significantly impact your retirement savings. Enroll today because the earlier the start, the more time and money can work through the power of compounding. It provides not only the potential for growth on the funds contributed to an account, but also the potential for growth on their earnings. And, the longer you save, the more opportunity there is for compounding to work for you. Total Savings (in thousands) $ This graph shows how much money a person would have if they saved $100 a month for 20, 30 and 40 years. $192, $98,000 $144,000 $46,000 $62, $22,000 $24,000 $36,000 $48, Years 30 Years 40 Years Amount from Contributions + Amount from Compounded Earnings = Total Savings Assumes a 6% annual return, which is purely hypothetical and not intended to predict or project the actual performance of any account. Actual returns will vary. Does not reflect expenses that would result in lower returns. Assumes no withdrawals during the period indicated. All figures are rounded to the nearest thousand. 1 All withdrawals are subject to ordinary income tax. Withdrawals prior to age 59 ½ may be subject to an additional 10% penalty. 2 Social Security Administration, Questions? Call or visit TIAA.org/rcbo 1
5 What type of investor are you? You can see details about all the new investment options online at TIAA.org/ rcbo. Click on Investment Options to view the portfolios and their underlying investments as well as the individual investment information. Do you prefer to let financial professionals make some investment decisions for you? Investing for Catholics and the Diocese of Orange Retirement Investment Committee selected low-cost investment options that align with the Catholic values espoused by the Diocese. These choices include an asset allocation service that provides a complete portfolio in a single choice. You can choose an Investing for Catholics model portfolio or build your own portfolio from the plan s investment options. Strategy 1: If you would like the convenience of a complete retirement portfolio in a single choice The Investing for Catholics Portfolios, available through TIAA s Custom Portfolio Model Service, help simplify investing by providing a complete retirement portfolio in a single choice. Each model portfolio includes a professionally selected mix of investments from the plan s investment menu that corresponds to criteria developed by the Diocese of Orange in consultation with Investing for Catholics, their independent investment advisor. Investing for Catholics (IFC) provides the ongoing management and annual rebalancing to help your model stay in step with your goals. 1 The IFC Target Retirement Portfolios target a specific retirement date ranging from 2015 to As you approach the target retirement date, the investment mix gradually changes with more of your savings automatically directed to investments that help manage risk and volatility in your portfolio. The IFC Target Risk Portfolios are managed to maintain a specific level of risk: conservative, moderate or aggressive. This approach to investing takes into account your tolerance for investment risk, as well as financial principles related to risk versus reward. As your risk tolerance changes, you may want to update your risk profile and a new model may be suggested. Custom Portfolio Models share the risks associated with the types of securities held by each of the underlying funds in which they invest. For a detailed discussion of risk, consult the prospectuses of the underlying funds that make up the model. 2 Questions? Call or visit TIAA.org/rcbo continued 1 TIAA as the Program Sponsor is not responsible for developing or selecting your Model. Please see the program disclosure document for complete information.
6 Strategy 2: If you prefer to build your own portfolio with the core investment lineup Or do you have the desire and skills to select your own investments? These new choices include index-style options and a guaranteed account that may offer you flexibility to create a retirement portfolio that matches your investment preferences and goals. Investment TIAA Stable Value 1 DFA Social Fixed Income DFA Short-Term Government I DFA US Social Core Equity 2 DFA Global Real Estate Securities I DFA International Social Core Equity Institutional DFA Emerging Markets Social Core Equity Ticker Guaranteed Annuity DSFIX DFFGX DFUEX DFGEX DSCLX DFESX You don t have to do it alone. A TIAA financial consultant can help you build your own portfolio using the core investment lineup. To schedule a session, call TIAA at , weekdays, 5 a.m. to 5 p.m. (PT). 1 TIAA Stable Value is a guaranteed insurance contract and not an investment for federal securities law purposes. Any guarantees under annuities issued by TIAA are subject to TIAA s claims-paying ability. All investment options have expenses and other fees that can be found in the prospectuses at TIAA.org/rcbo. Some investment options may also have redemption and other fees. In addition to investment fees, there is an annual TIAA Plan Servicing Fee of 0.15% and an annual non-tiaa Plan Servicing Fee of 0.15% that is paid to Investing for Catholics as the independent advisor for the plan. These fees are deducted in quarterly installments of % (deducted pro rata from the investment options in your account). The deductions will be identified as TIAA Plan Servicing Fee and Non-TIAA Plan Servicing Fee on your statement and when you view your account online. Investment products may be subject to market and other risk factors. See the applicable product literature, or visit TIAA.org/rcbo for details. To provide the performance, stability and liquidity attributes of a stable value option, participant transfers from stable value options are subject to an industry standard 90-day Equity Wash rule. This means participants are prohibited from transferring from TIAA Stable Value directly to Competing Funds. Competing Funds are plan investment options that exhibit a pattern of performance consistent with stability and includes the DFA Short-Term Government I Fund. Participants wishing to transfer amounts from TIAA Stable Value to Competing Funds must first transfer to Non-Competing Funds, where the amount originally transferred must remain for 90 days before the participant can then transfer the amount to one or more Competing Funds. Questions? Call or visit TIAA.org/rcbo 3
7 Retirement plan investment advice How to access TIAA s advice Online Get quick, convenient answers using the TIAA Retirement Advisor online tool at TIAA.org/retirementadvisor. By phone or in person You can receive personalized retirement plan investment advice either over the phone or in person. To schedule your advice session, call , weekdays, 5 a.m. to 5 p.m. (PT). As a participant in the plan, you have access to personalized retirement plan advice on the core investment lineup (Strategy 2) from a TIAA financial consultant. This service is available as part of your retirement program at no additional cost to you. TIAA s advice is designed to help you answer important questions, including: 1. Am I on track to reach my retirement savings goals? TIAA can help you analyze how your investments are performing, and determine if you re saving enough to help meet your needs. 2. Which combination of retirement plan investments is right for me? Get assistance picking the right investments, based on your plan s investment options, diversifying properly and allocating contributions to balance your need for growth potential with your tolerance for risk. 3. How can I meet my income needs in retirement? Get help determining the amount you ll need to meet your retirement income goals. IMPORTANT: The projections or other information generated by the Retirement Advisor tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. 4 Questions? Call or visit TIAA.org/rcbo
8 About TIAA and CREF Providing strong support on the road to retirement no matter where you are today TIAA s purpose has remained constant since TIAA was established nearly 100 years ago: We re here to help you save for and generate income during retirement. Over the years, we ve regularly enhanced the ways we deliver on our purpose. As an organization with deep roots among nonprofits in higher education, hospital/ medical, research, religious institutions and K-12 TIAA is committed to continuous learning. And when we see opportunities to enhance our retirement plan services, we share them with the institutions we serve TIAA Teachers Insurance and Annuity Association of America created 1952 CREF College Retirement Equities Fund created About Investing for Catholics, a division of Index Fund Advisors, Inc. (IFA) Investing for Catholics (IFC) provides faith-consistent investments rooted in financial science. IFC was developed to meet the unique needs of Catholic investors investing responsibly in line with the Catholic faith while maximizing returns for the risk taken. As an independent advisor to the plans, IFC has tailored an investment lineup of carefully selected, lower-cost options for the retirement plans, including one decision portfolios designed as easy-to-use alternatives to choosing your own investments. A division of Index Fund Advisors, Inc. Questions? Call or visit TIAA.org/rcbo 5
9 We re here to help Not sure where to begin? Let us help you take the next step! Starting January 2, 2017, to enroll, go to TIAA.org/rcbo and select Ready to Enroll. New users will need to Register to establish a user ID and password. Then follow the prompts to complete your enrollment. If you have any questions or would like help enrolling, call TIAA at , weekdays, 5 a.m. to 7 p.m., or Saturday, 6 a.m. to 3 p.m. (PT). To schedule an advice session with TIAA, call , weekdays, 5 a.m. to 5 p.m. (PT). There is no additional cost to you for this service. A division of Index Fund Advisors, Inc. Distributions from 403(b) plans before age 59½, severance from employment, death or disability may be prohibited, limited and/or subject to substantial tax penalties. Different restrictions may apply to other types of plans. You should consider the investment objectives, principal strategies, principal risks, portfolio turnover rate, performance data, and fee and expense information of each underlying investment carefully before directing an investment based on the model. For a free copy of the program description and the prospectus or other offering documents for each of the underlying investments (containing this and other information), call TIAA at Please read the program description and the prospectuses or other offering documents for the underlying investments carefully before investing. The Model is an asset allocation recommendation developed by your Plan Sponsor in consultation with consultants and other investment advisors designated by the Plan Sponsor whereby assets are allocated to underlying mutual funds and annuities that are permissible investments under the plan. Model-based accounts will be managed on the basis of the plan participant s personal financial situation and investment objectives. Changes in your personal financial situation or investment objective may require a change in the model recommended for your model-based account. Please contact us at , visit our website or contact your Plan Sponsor if you need to update your financial situation or investment objective. As a participant in the Program, you may wish to request a reasonable restriction on the management of your model-based account. Please contact your Plan Sponsor to discuss your options for requesting a reasonable restriction or a modification to an existing restriction. No registration under the Investment Company Act, the Securities Act or state securities laws The Model is not a mutual fund or other type of security and will not be registered with the Securities and Exchange Commission as an investment company under the Investment Company Act of 1940, as amended, and no units or shares of the Model will be registered under the Securities Act of 1933, as amended, nor will they be registered with any state securities regulator. Accordingly, the Model is not subject to compliance with the requirements of such acts, nor may plan participants investing in underlying investments based on the Model avail themselves of the protections thereunder, except to the extent that one or more underlying investments or interests therein are registered under such acts. No guarantee Investments based on the Model are not deposits of, or obligations of, or guaranteed or endorsed by TIAA, the Investment Advisor, The Plan or their affiliates, and are not insured by the Federal Deposit Insurance Corporation, or any other agency. An investment based on the Model is not guaranteed, and you may experience losses, including losses near, at, or after the target date. There is no guarantee that investments based on the Model will provide adequate income at and through your retirement. Investors should not allocate their retirement savings based on the Model unless they can readily bear the consequences of such loss. The TIAA Custom Portfolio Program Model-Based Service (the Program ) has been implemented by your Plan Sponsor to meet the unique retirement requirements of your plan. The Program is administered by Teachers Insurance and Annuity Association of America ( TIAA ) as plan recordkeeper. Should you have any questions about the Program off ring, please contact your Plan Sponsor directly. TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products. If offered under your plan, TIAA and CREF annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY, respectively. Each is solely responsible for its own financial condition and contractual obligations. Transactions in the underlying investments invested in based on the Model on behalf of the plan participants are executed through TIAA-CREF Individual & Institutional Services, LLC, member FINRA. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not bank deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY C _5101 (12/16)
TIME TO FOCUS ON YOUR FUTURE
TIME TO FOCUS ON YOUR FUTURE Enroll online in the new HMH 401(k) Savings Plan at TIAA Active enrollment in the new 401(k) plan is required because your previous elections will not be provided to TIAA.
More informationGreater confidence about retirement starts today. The New ASME Retirement Plan
Greater confidence about retirement starts today The New ASME Retirement Plan A new chapter is about to start What you need to know 1. New 401(k) Plan. Effective January 3, 2017, ASME will offer a new
More informationIntroducing the after-tax contribution option Roth
Introducing the after-tax contribution option Roth Today s agenda The after-tax Roth contribution option Why the after-tax Roth contribution option may be right for you Comparing after-tax Roth contributions
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 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 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 informationMoving with focus. A retirement plan as focused as you.
Moving with focus A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan for Shrewsbury Collectively Bargained Team Members Table of contents A new chapter is about to start...
More informationMoving with focus. A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan for Health Ventures
Moving with focus A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan for Health Ventures Table of contents A new chapter is about to start... 1 What you need to know about
More informationMoving with focus. A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan
Moving with focus A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan Table of contents A new chapter is about to start... 1 What you need to know about your new Hackensack
More informationINVESTING IN YOUR FUTURE: A TIAA FINANCIAL ESSENTIALS WORKSHOP. Money at Work 1: Foundations of investing
INVESTING IN YOUR FUTURE: A TIAA FINANCIAL ESSENTIALS WORKSHOP Money at Work 1: Foundations of investing Staying on course: Today s agenda Retirement Advisor Understanding saving Risk tolerance Asset classes
More informationA new chapter for the Grand Valley State University retirement program
A new chapter for the Grand Valley State University retirement program Transition seminar topics Why we re here today Transition experience Updates to the new investment menu Retirement program features
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 informationUnderlying Investments Performance / Annuity Rates of Return. Inception Date
Date 7/31/2014 Benchmark Index Morningstar Lifetime Index The returns quoted represent past performance, which is no guarantee of future results. Returns and the principal value of your investment will
More informationA guide for the road to retirement. Announcing updates to the Eastern Michigan University Retirement Plan
A guide for the road to retirement Announcing updates to the Eastern Michigan University Retirement Plan 1 Overview of topics we ll be covering today Why changes are being made What stays the same Plan
More informationColumbia University Retirement Plans. Important retirement plan updates
Columbia University Retirement Plans Important retirement plan updates A new chapter is about to begin Columbia University is pleased to announce several updates to its retirement plans. Key Dates September
More informationStrategies for staying on track. Prepare yourself for the journey ahead
Strategies for staying on track Prepare yourself for the journey ahead TIAA and you: Working together to pursue a financially secure future At TIAA, our mission is simple: We re here to help our customers
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 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 informationYour guide to 403(b) tax-deferred annuity or voluntary savings plans. How much can you contribute in 2018?
Your guide to 403(b) tax-deferred annuity or voluntary savings plans How much can you contribute in 2018? Tax-deferred annuity plans ( TDA Plans ) are voluntary savings plans that help you build the extra
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 informationFocused on the one future that matters. Yours.
Focused on the one future that matters. Yours. Your CUNY Retirement Plan Make a new connection for your future You recently received a flyer in the mail about changes to the voluntary City University of
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 informationA new chapter for the Maryland Institute College of Art retirement plan
A new chapter for the Maryland Institute College of Art retirement plan Transition seminar topics Why we re here today Transition experience for all participants The new investment menu Retirement program
More informationTarget Income Models available through the TIAA Custom Portfolios Model Service Help participants target the retirement income they need
Target Income Models available through the TIAA Custom Portfolios Model Service Help participants target the retirement income they need For institutional investor use only. Not for use with or distribution
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 informationNew opportunities for your retirement strategy. Announcing updates to the Voluntary Individual 403(b) Retirement Plan for TIAA participants
New opportunities for your retirement strategy Announcing updates to the Voluntary Individual 403(b) Retirement Plan for TIAA participants Table of contents Voluntary Individual 403(b) Retirement Plan
More informationDecember 2016 QUALIFIED DEFAULT INVESTMENT ALTERNATIVE (QDIA) NOTICE
December 2016 QUALIFIED DEFAULT INVESTMENT ALTERNATIVE (QDIA) NOTICE Important Information You are receiving this notice to inform you how your contributions under the plan(s) for Blue Ridge School will
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 informationFocused on the one future that matters. Yours.
Focused on the one future that matters. Yours. Your CUNY Retirement Plan Make a new connection for your future You recently received a flyer in the mail about changes to your voluntary City University
More informationTable of Contents. Get started. Call or visit TIAA.org/NSHE. 1
Power Up Your Your guide guide to to the the upcoming upcoming NSHE NSHE Retirement Retirement Plan Plan account account consolidation consolidation at TIAA Table of Contents Your accounts are consolidating...
More informationGreater confidence about retirement starts today. Announcing changes to the Saint Anselm College Retirement Plans
Greater confidence about retirement starts today Announcing changes to the Saint Anselm College Retirement Plans Table of Contents A new chapter is about to start 1 Action plan for the changes 2 Your new
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 informationHow to Change Your Contribution Amount Online
How to Change Your Contribution Amount Online Congratulations for taking an active role in your NYU Langone Medical Center retirement plan account. Think about saving as much as you can. By maximizing
More informationCounty of Los Angeles 401(k) Savings Plan. P lanning. RETIREMENT Guide. (800)
County of Los Angeles 401(k) Savings Plan P lanning RETIREMENT Guide 2 www.countyla.com (800) 947 0845 Dear County of Los Angeles Employee: Even for the most financially savvy among us, planning for retirement
More informationYour guide for the road to retirement. Announcing changes to the Marquette University Retirement Plan
Your guide for the road to retirement Announcing changes to the Marquette University Retirement Plan Table of Contents A new chapter for your retirement plan is about to start 1 Your new investment options
More informationTIAA-CREF Investment Options Survey Executive Summary February 26, 2015
TIAA-CREF Investment Options Survey Executive Summary February 26, 2015 1 . TIAA-CREF Survey: More Americans Are Unfamiliar with Investment Options in Their Retirement Plans These findings come from TIAA-CREF
More informationPennsylvania s State System (State System) of Higher Education Changes to the Alternative Retirement Plan (ARP)
May 1, 2018 Pennsylvania s State System (State System) of Higher Education Changes to the Alternative Retirement Plan (ARP) Dear TIAA Participant: The State System routinely reviews the ARP group retirement
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 informationEnrollment Guide for The SUNY ORP Congratulations on your new position. ENROLL TODAY in the SUNY Retirement Program
Enrollment Guide for The SUNY ORP Congratulations on your new position. ENROLL TODAY in the SUNY Retirement Program As a new employee of the State University of New York (SUNY), you can enroll in a retirement
More informationGet a head start on your future.
Get a head start on your future. A Guide to Your New Investment Options Northeastern University Basic Retirement Plan Northeastern University Supplemental Retirement Plan Retirement plan updates Northeastern
More informationEnrollment Guide for The SUNY Optional Retirement Program
Enrollment Guide for The SUNY Optional Retirement Program This guide has been designed to assist new employees with enrolling in the Optional Retirement Program. If you have not made a final decision to
More informationThe University of Delaware Retirement Program CREATE YOUR OWN FUTURE.
The University of Delaware Retirement Program CREATE YOUR OWN FUTURE. Table of contents A message from the University of Delaware... 3 Making it easier to plan and invest for retirement...4 Changes beginning
More informationOffice of Human Resources
Office of Human Resources 413 Academy Street Newark, DE 19716-0631 Phone: 302-831-2171 Fax: 302-831-1482 Dear Participant, The University of Delaware is updating our Retirement Program, which includes
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 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 informationAnnouncing changes to the University of Richmond Retirement Program
Announcing changes to the University of Richmond Retirement Program The University of Richmond continually looks for ways to help you make the most of your retirement savings. After a recent review of
More informationFocus on income: Help shape your participants retirement
Focus on income: Help shape your participants retirement Target Date Plus Models offered as part of the TIAA Custom Portfolios Model Service FPO For institutional investor use only. Not for use with or
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 informationRETIREMENT PLANNING SIMPLIFIED
RETIREMENT PLANNING SIMPLIFIED Helping you invest in your financial future is important to the University of Virginia (UVA). As a result of our research and review, we are implementing changes to improve
More informationDriving Better Outcomes with the TIAA Plan Outcome Assessment
Driving Better Outcomes with the TIAA Plan Outcome Assessment A guide to measuring employee retirement readiness and optimizing plan effectiveness For institutional investor use only. Not for use with
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 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 informationThe road to retirement. Announcing changes to the Montana University System Retirement Plans
The road to retirement Announcing changes to the Montana University System Retirement Plans Table of contents A new chapter is about to start 1 For TIAA participants 2 For former MetLife, T. Rowe Price,
More informationFrequently Asked Questions
Frequently Asked Questions University of Delaware Retirement Program Transition Overview Q1: What changes will be made to the University of Delaware Retirement Program? A: The University of Delaware sponsors
More informationLehigh University Retirement Plan. Important retirement plan updates
Lehigh University Retirement Plan Important retirement plan updates A new chapter for the retirement plan Key dates Week of March 20, 2017 You will be enrolled in new contracts within the plan and receive
More informationNew opportunities for your retirement strategy. Announcing updates to the St. Olaf College Retirement Program
New opportunities for your retirement strategy Announcing updates to the St. Olaf College Retirement Program A new chapter is about to start Helping you plan and save for the future is important. That
More informationState System User Guide
State System Retirement@Work User Guide Everything for your State System Voluntary Individual 403(b) Retirement Plan, also referred to as a Tax Sheltered Annuity (TSA), all in one location. Available July
More informationTIAA Access Accounts - TIAA-CREF Lifecycle Funds - Level 4
TIAA Accounts - TIAA-CREF Funds - Level 4 Glidepath Strategy Target-date funds employ glidepaths, which are the planned progression of asset allocation changes (e.g., mix of equity and fixed-income investments)
More informationThe road to retirement. Announcing updates to the Eastern Michigan University Retirement Plans
The road to retirement Announcing updates to the Eastern Michigan University Retirement Plans Table of contents A new chapter is about to start 1 Your new options 2 Your transition experience 3 Transfer
More informationEnrollment Overview. for SoutheastHEALTH Retirement Plan. Prepare for the next chapter in life
Prepare for the next chapter in life The Difference is How You re Treated More information available at www.sehealthretirement.com Enrollment Overview for SoutheastHEALTH Retirement Plan Products and financial
More informationRetirement Plans Transition Guide. Inside is everything you need to know about the transition to the new investment options
Retirement Plans Transition Guide Inside is everything you need to know about the transition to the new investment options Table of Contents 1 INTRODUCING ENHANCEMENTS TO THE 403(b) AND 401(a) RETIREMENT
More informationReplacing your salary in retirement
Replacing your salary in retirement We can help Wondering how you ll replace your salary when you retire? Will you have enough income to last your lifetime? Fortunately, you still have time and options
More informationA new chapter for the Harvard-Westlake School Retirement Plan
A new chapter for the Harvard-Westlake School Retirement Plan Key Dates May 3 and 4, 2017 On-site transition seminars available. May 23, 2017 Updates take effect and new investment menu goes live. You
More informationTIAA Access Accounts - TIAA-CREF Lifecycle Funds - Level 2
Glidepath Strategy Target-date funds employ glidepaths, which are the planned progression of asset allocation changes (e.g., mix of equity and fixed-income investments) along specific points in time. A
More informationQualified Default Investment Alternative (QDIA) Initial Notice
Qualified Default Investment Alternative (QDIA) Initial Notice Western New England University Defined Contribution Plan Qualified Default Investment Alternative Initial Notice You are receiving this notice
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 informationThe road to retirement. Announcing updates to the Arkansas State University (ASU) System Social Security Alternative Plan
The road to retirement Announcing updates to the Arkansas State University (ASU) System Social Security Alternative Plan Table of contents A new chapter is about to start 1 Your new options 2 Understanding
More informationOKLAHOMA MUNICIPAL RETIREMENT FUNDTM. A plan for today. Retirement possibilities for tomorrow.
OKLAHOMA MUNICIPAL RETIREMENT FUNDTM A plan for today. Retirement possibilities for tomorrow. TM SET UP YOUR PLAN ACCOUNT ACCESS TODAY You can access your account in a variety of ways. Whether online,
More informationThe road to retirement. Announcing changes to the Wesleyan University Retirement Plans
The road to retirement Announcing changes to the Wesleyan University Retirement Plans Table of contents A new chapter is about to start 1 Action plan for the changes 2 Changes in detail 3 Transfer charts
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 informationYour future starts today. Harvard University TDA Plan
Your future starts today Harvard University TDA Plan Checklist: What you need to do ü ü ü ü ü Review this booklet, Your future starts today. It contains an overview of Harvard s Tax-Deferred Annuity (TDA)
More informationRetirement Plans. There are two steps you must complete to enroll in either the LPS 403(b) or 457
Tax Deferred Savings through your Littleton Public Schools 403(b) and 457 Retirement Plans Tax deferred savings plans are special accounts that allow employees to save money for retirement while deferring
More informationThe road to retirement. Announcing changes to the Salve Regina University Retirement Plans
The road to retirement Announcing changes to the Salve Regina University Retirement Plans A new chapter is about to start Helping you plan and save for the future is important to us here at Salve Regina
More informationTIAA Brokerage: For non-retirement accounts Investing as you like it
TIAA Brokerage: For non-retirement accounts Investing as you like it From our retirement roots, TIAA has continued to evolve and grow our financial services organization. We remain true to our not-for-profit
More informationDiocese of Lafayette. Believe. in your future. The Diocese of Lafayette 403(b) Plan Enrollment Overview
Diocese of Lafayette Believe in your future The Diocese of Lafayette 403(b) Plan Enrollment Overview Believe in your future Reaching your retirement goals can take a lot of preparation. Some investment
More informationLoans from your Retirement Accounts
Loans from your Retirement Accounts Table of contents 1 Borrowing limits and collateral 2 Getting your loan: What you need to know 4 Repaying your loan: What you need to know 6 Loans from retirement plans
More informationNorth Carolina Supplemental Retirement Board Presentation
North Carolina Supplemental Retirement Board Presentation District Implementation Timelines for Sole Recordkeeping & Multi-Vendor decisions June 12th, 2014 NC 403(b) Sole Recordkeeping Timeline Week 1-3
More informationTIAA-CREF Lifecycle Funds - Retirement Share Class
TIAA-CREF Lifecycle s TIAA-CREF Lifecycle s - Retirement Share Class Glidepath Strategy Target-date funds employ glidepaths, which are the planned progression of asset allocation changes (e.g., mix of
More informationThe Churchill Benefit Corporation 401(k) Savings Plan
The Churchill Benefit Corporation 401(k) Savings Plan There are many great benefits to being part of the The Churchill Benefit Corporation 401(k) Savings Plan. Among those benefits is exceptional customer
More informationGet the Most From Your 401(k) Plan
401(k) Guide Get the Most From Your 401(k) Plan The Larry H. Miller Associates Retirement Plan and Trust (the Plan ) is a great benefit offered by your company. It s an excellent way to prepare for your
More informationA distinctive solution for your plan and employees. TIAA-CREF Lifecycle Funds
A distinctive solution for your plan and employees TIAA-CREF Lifecycle Funds TIAA has nearly 100 years of experience managing money for retirement and nearly 60 years of asset allocation experience. Our
More informationThe Johns Hopkins University 403(b) Retirement Plans Notice of Default Investments
The Johns Hopkins University 403(b) Plans Notice of Default Investments The University s Active 403(b) Plans The Johns Hopkins University sponsors the Johns Hopkins University 403(b) Plan and the Johns
More informationTIAA-CREF Lifecycle Funds - Retirement Share Class
TIAA-CREF Funds TIAA-CREF Funds - Retirement Share Class Glidepath Strategy Target-date funds employ glidepaths, which are the planned progression of asset allocation changes (e.g., mix of equity and fixed-income
More informationTIAA-CREF Ready to Retire Survey Executive Summary. November 19, 2014
TIAA-CREF Ready to Retire Survey Executive Summary November 19, 2014 1 TIAA-CREF Survey: Half of Employees Approaching Retirement Wish They Had Started Saving Sooner Despite regrets, Americans can take
More informationIn accordance with federal regulations, the Employee Retirement Income Security Act (ERISA), we have enclosed the following notices:
Human Resources Department Michelle Jaross Director, Benefits and Compensation In accordance with federal regulations, the Employee Retirement Income
More informationTIAA-CREF Lifecycle Index Funds - Institutional Share Class
TIAA-CREF Funds - Institutional Share Class Glidepath Strategy Target-date funds employ glidepaths, which are the planned progression of asset allocation changes (e.g., mix of equity and fixed-income investments)
More informationFOR RETIREMENT. Planning ahead. Understanding the Roth feature of your 401(k) retirement plan. Plan Participant Guide
FOR RETIREMENT Planning ahead Understanding the Roth feature of your 401(k) retirement plan Plan Participant Guide 2057664 What is a Roth 401(k)? A Roth 401(k) allows you to make after-tax contributions
More informationWorking for Your Future
Working for Your Future Valero Energy Corporation Thrift Plan Highlights Enroll Today Congratulations! You are now eligible to participate in the Valero Energy Corporation Thrift Plan (the Thrift Plan
More informationMutual fund changes coming to the Defined Contribution Plan.
Smith College Mutual fund changes coming to the Defined Contribution Plan. Smith College is committed to providing you with a competitive Defined Contribution Plan that offers an opportunity to shape your
More information3 Easy Steps to Save for a Child s Education
Savings 3 Easy Steps to Save for a Child s Education Invest Today for a Child s Education Tomorrow Investment Products Offered Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed Education Is One
More informationAnnouncing Changes to Wesleyan University s 403(b)(7) Retirement Plan
Announcing Changes to Wesleyan University s 403(b)(7) Retirement Plan Fidelity Investments and TIAA Calendar of Events 21 Whether your retirement is right around the corner or years away, continue to closely
More informationFit for Retirement: A Guide to Changing Your Investments
Fit for Retirement: A Guide to Changing Your Investments Dear RIT Colleague, In our previous communications regarding the simplification of RIT s Retirement Savings Plan, we identified what changes will
More informationTIAA-CREF Built to Perform Survey Executive Summary November 18, 2015
TIAA-CREF Built to Perform Survey Executive Summary November 18, 2015 1 . American Investors Harbor Misconceptions About Financial Performance Which of the following do American investors think is the
More informationBlack Knight Deferred Compensation Plan 2018 Plan Year Enrollment Kit. Destinations
Black Knight Deferred Compensation Plan 2018 Plan Year Enrollment Kit Destinations Contents Overview 1 Plan Features The Benefit of Pre-Tax Investing Taxable vs. Tax-Deferred Investment Returns Maximizing
More informationHow to make changes to your annuity income
How to make changes to your annuity income What s inside Is it time to make a change? 2 Your annuity income 3 TIAA Traditional income 5 TIAA and CREF variable annuity income 7 How you can adjust your annuity
More informationTIAA 2017 Lifetime Income Survey executive summary
TIAA 2017 Lifetime Income Survey executive summary Americans recognize the importance of having a source of monthly income they can t outlive to cover their essential living expenses during retirement,
More informationYour financial goal planner. A roadmap for planning your financial journey
Your financial goal planner A roadmap for planning your financial journey Planning for your financial well-being is why we re here Wherever you are on your financial journey, you can ask a TIAA financial
More informationYour Columbia University Retirement Savings Program
Your Columbia University Retirement Savings Program For Non-Union Support Staff, Employees Represented by Local 2110, Local 100, TWU at Lamont and Supporting Staff Association (SSA) of Columbia University
More informationYour Columbia University Retirement Savings Program
Your Columbia University Retirement Savings Program For Faculty and other Officers first hired before July 1, 2013 Revised May 2014 There s No Time Like the Present to Plan for the Future Whether you are
More informationEnrollment Materials. Everything you need to help put your child on the right path to a better future.
Enrollment Materials Everything you need to help put your child on the right path to a better future. www.path2college529.com Path2College 529 Plan, offered by the State of Georgia. Ev e r y j o u r n
More information