Download Enrollment - Retirement Plan Consultants

[PLAN NAME]
Enrollment Meeting
[DATE]
Presenter Name
Title
Presenter Name
Title
Agenda
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Highlights of Your Plan
How to Enroll
Moving the Plan
Overview of the RPC Website
Recap of our Portfolios
Basics of Investing
Financial Planning Tips
Highlights of Your 403b Plan
Highlights of Your Plan
Contributions
Eligibility
– You can join the Plan when you are [insert age] or
older and have completed [insert years] of service.
– There are no age requirements for participation, and
all full- and part-time employees are eligible.
Auto-Enrollment
• Full-time employees with [insert years] or more year
of service must contribute [enter %] of their annual
salary.
Contributions
How Much Can I Contribute to the Plan?
• You may contribute up to [$ amount] or [%
amount] of your salary, whichever is less
• If you are 50 years or older, you can also make
“catch-up” contributions of up to $6,000.
• You may contribute a portion of your wages to
a Roth account. These contributions are on an
after-tax basis, but withdrawals at retirement
including earnings are tax-free. [Remove if
plan doesn’t allow ROTH]
Contributions
Will My Employer Contribute to My Account?
• [Enter employer name] is contributing the following:
– [insert match or non-elective amount discretionary
Vesting Schedule
• Vesting means ownership of your account. You are
always 100% vested in your contributions and the
earnings on those contributions. This money is yours.
• Your employer’s contributions will be [insert vesting
schedule].
Contributions
• Remove this slide if Profit Sharing does not apply
• Will My Employer Contribute to My Account?
– Your employer may decide to make a discretionary
Profit Sharing Contribution to be determined annually
by the following formula [select one]:
 Pro Rata: Profit-Sharing Contributions are allocated based on
your compensation level.
 Integrated: Profit Sharing Contributions are allocated based
on your compensation level up to the Social Security taxable
wage base with an additional allocation for any wages above
that limit.
 Cross-Tested: Profit Sharing Contributions are allocated
based on age or years of service.
Managing Your Money
How Will Contributions to My Account Be
Invested?
• All contributions, including rollovers, are
invested based on the investment election you
select.
• If you do not choose investments, your assets
will be automatically invested in the [insert
default investment].
Can I Change the Amount I Am Contributing?
• You can change the amount you are contributing
[insert frequency] online or by completing the
enrollment form and submitting it to your Plan
Administrator.
Managing Your Money
How Can I Keep Track of My Account?
– Call 877-800-1114
– Web site access at
www.retirementplanconsultants.net
– You will receive an account statement quarterly or on
demand online
Enrollment
Online Enrollment
www.retirementplanconsultants.net
PASSWORD
Follow Your Online Enrollment Steps
In Step 1:
Fill out your contact
information.
In Step 2:
Choose how much you want to
contribute (Roth and/or Pretax).
In Step 3:
Choose your investments.
*Be sure to choose all
sources!
Follow Your Online Enrollment Steps
Review your information, then “Confirm &
Submit.”
Beneficiary Form
Beneficiary Form
Plan Account Rollover/Exchange Request
RPC Website
RPC Webstie www.retirementplanconsultants.net
Once you login,
Your New Home Screen:
18
How to Make Changes to Your Account
Manage Your Account >
Make Changes to Your Account
 Change Investment Elections
 Move Money (Between
Investments)
 Change Rebalance Occurrence
 Change Contribution Rates
Model Portfolios:
A Recap of Performance
Understanding Asset Classes
• Higher Reward Potential Usually Means More Risk
Stocks
Portfolio 100
Portfolio 80
Bonds
Portfolio 60
Risk
Portfolio 40
Portfolio 20
Cash
Portfolio Income
Reward
This example is hypothetical and for illustrative purposes only.
Preferred Portfolio 100
Portfolio Objective
This portfolio is suitable for someone who wants to take advantage of the long-term potential of the markets and
has a risk tolerance to handle the gyrations of the market.
Volatility / Return Chart
HIGH
LOW
PORTFOLIO INVESTMENT STYLE
Portfolio Expenses (Net Expense Ratio)
Weighted Average Total:
0.35%
Source: Morningstar through December 31, 2016
Portfolio Performance
Portfolio
Benchmarks
3 Mo.
1 Yr.
3 Yr.
5 Yr.
10 Yr.
6.8%
5.1%
16.7%
15.9%
5.8%
5.9%
13.3%
12.3%
5.7%
5.1%
Source: Morningstar & Fi360 through December 31, 2016
Note: Portfolio returns are reported net of all internal expense ratio fees. Returns are not net of any management or fiducia ry fees.
Preferred Portfolio 60
Portfolio Objective
This portfolio is suitable for someone who is nearing retirement or someone who has a moderate risk
tolerance.
Volatility / Return Chart
HIGH
LOW
PORTFOLIO INVESTMENT STYLE
Portfolio Expenses (Net Expense Ratio)
Weighted Average Total:
0.28%
Source: Morningstar through December 31, 2016
Portfolio Performance
Portfolio
Benchmarks
3 Mo.
1 Yr.
3 Yr.
5 Yr.
10 Yr.
3.1%
2.4%
11.4%
10.5%
4.8%
4.6%
8.9%
8.2%
6.0%
4.9%
Source: Morningstar & Fi360 through December 31, 2016
Note: Portfolio returns are reported net of all internal expense ratio fees. Returns are not net of any management or fiducia ry fees.
Due to Vanguard Total Bond Market Index Signal not having a 10 Year history, the Investor share class was utilized to report returns. The signal share is used in these models due to a lower expense ratio.
Basics of Investing
Why Invest?
We Are Living Longer
100
2040 AD
90
80
2000 AD
70
60
50
1900 AD
40
1800 AD
30
20
1400 AD
1340 BC
10
0
0
500
1000
1500
2000
2500
3000
3500
4000
Year
The Year
Tut in 1340 BC
3000 years later
400 years later
100 years later
100 years later
40 years in the future
Life
Expectancy Increase
25
30
37
47
77
~ 90
5 yrs
7 yrs
10 yrs
30 yrs
13 yrs
Source: “The Exponent of Life Expectancy” by
Nick Murray, Financial Advisor, March 2007.
Your Money Today Will Likely
Buy Less Tomorrow
1916
$0.09 = Quart
1966
$0.09 = 1 Small Glass
2016
$0.09 = 6 Tablespoons
In US dollars. Source for 1913 and 1963: Historical Statistics of the United States: Colonial Times to 1970/U.S. Dept. of Commerce. Source for 2013:
United States Department of Labor, Bureau of Labor Statistics, Economic Statistics, Consumer Price Index–Average Price Data.
Investment Philosophy
Finding Nemo
It’s tough to find one superstar out of a
school of fish –
no different than picking one
stock out of 20,000
Only 1% Gets It Right
How Many Jelly Beans in the Jar?
139 respondents
Range: 89 – 4,321
Average: 414
Actual: 436
We Believe in Markets – Not Managers
What Would Have Been Your
Investment Choice in 1980?
Cell Phones?
SPAM?
Motorola
Hormel Foods
OR
US Large Growth
US Small Cap
1,368%
27,177%
(35 Year Return)
(35 Year Return)
% Total Return sourced from Morningstar: January 1, 1981 to December 31, 2015
The Guide to Wealth
What Not To Do (What People Do)
What To Do (What Our Clients Do)
Source: behaviorgap.com
Sell High + Buy Low = Rebalancing
Focus on What You Can Control
“NOISE”
Create a plan
tailored to your
personal financial
needs.
China
Gold
Greece
Create a
plan to fit your needs
and risk tolerance
Interest
Rates
Diversify broadly
Reduce expenses and turnover
Elections
Minimize taxes
Rebalance
Buy Low / Sell High
Tax Rates
The Dow
Diversification does not eliminate the risk of market loss. There is no guarantee investment strategies will be successful. For illustrative
purposes only.
Oil
Prices
Basic Financial Planning Tips
Basic Financial Planning
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Do you need (or update) a will, guardianship on
children, power of attorneys.
•
Any update needed on beneficiaries?
•
Did you cover your risks? Term life, disability,
long term care.
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Are you paying “Smart” interest with your debt? (Is your
interest deductible?)
Thanks for listening!
Any questions…..
Retirement Plan Consultants LLC
www.retirementplanconsultants.net
1-877-800-1114
Name
Title
Email