Plan Member Services - Planning your future...today.

403(b) & 457 Expertise

PlanMember understands the complexities of
403(b), 457 and other qualified retirement plans

Our plan sponsors depend on it. With changing legislation and economic uncertainty at every turn, plan sponsors are faced with mounting challenges but find it difficult to get competent, helpful support.

PlanMember steps in, bringing more than two decades of experience to help ensure that plan sponsors get the most out of their plan.

As employers address the needs of employees in 401(k) plans and continue to unravel the complex requirements of the new 403(b) and 457 plan era, they must address these issues:

• Restoring investment choice for 403(b) participants
• Educating and communicating clearly with employees
• Keeping their plan in compliance in compliance
• Increasing participation rates
• Providing financial literacy curriculum

The PlanMember Model Plan addresses these challenges head on.

Featuring guaranteed fixed annuities, managed portfolios, and mutual funds from leading fund companies,* including some that have exited the direct 403(b) market, PlanMember is bringing back the power of choice to employees of nonprofit organizations.

PlanMember also provides personal service through a network of independent advisors working out of PlanMember Financial Centers who can answer questions and provide financial literacy education.

With PlanMember, employers stay in front of regulatory requirements so they remain in compliance. For more information about PlanMember’s retirement plan market expertise, contact your local  PlanMember Financial Center, or call PlanMember at (800) 874-6910.

Withdrawals from annuities, including partial withdrawals and surrenders, may be taxable. If you take a taxable withdrawal before age 59½, you may have to pay a 10% penalty to the IRS on the amount of gain in your contract, in addition to your normal income taxes.

The tax-deferral benefit offered by annuities provides no additional tax benefit if they are held in tax-qualified accounts such as IRA, 403(b), 457, or 401(k). Special rules governing annuities issued in connection with a tax-qualified retirement plan restrict the amount that can be contributed to the contract during any year.

The tax-deferral benefit offered by annuities provides no additional tax benefit if they are held in tax-qualified accounts such as IRA, 403(b), 457, or 401(k). Special rules governing annuities issued in connection with a tax-qualified retirement plan restrict the amount that can be contributed to the contract during any year.

Before investing, carefully read the prospectus(es) or summary prospectus(es) which contain information about investment objectives, risks, charges, expenses and other information all of which should be carefully considered. For current prospectus(es) call (800) 874-6910. Investing involves risk. The investment return and principal value will fluctuate and, when redeemed, the investment may be worth more or less than the original purchase price.

Asset allocation cannot guarantee a profit or ensure against loss.

*Guarantees and benefits are based on the claims-paying ability of the underlying insurance company.