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[PLAN NAME] Enrollment Meeting [DATE] Presenter Name Title Presenter Name Title Agenda • • • • • • • 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 • 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. • 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