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Retirement Plan Solutions

At last, a retirement plan developed with nonprofits in mind

Nonprofit employees work for the well-being of others. At PlanMember, we care about the well-being of nonprofits and their employees. That’s why we created retirement plan solutions specifically for the needs of nonprofit organizations and the people who work for them.

Nonprofit organizations around the country are choosing the PlanMember Model Plan as the right solution for their employees. Here's why:

Access to nationally recognized mutual fund families • As a Registered Investment Advisor, PlanMember provides access to well known and respected mutual fund companies. These include no-load and load-waived mutual funds¹ from such respected firms as Vanguard, Fidelity, Federated Investors, Dimensional Fund Advisors, and American Funds. Participants can select their own investments, or they can choose from PlanMember's professionally-managed asset allocation portfolios.

Professionally managed portfolios for simplified investing • Most nonprofit employees are too busy to become investing experts. With PlanMember’s investment team, they don’t have to be. Our professionals have created five model asset allocation portfolios from a diverse selection of no-load and load-waived mutual funds¹, each actively managed and reallocated on a periodic basis. With portfolio objectives that range from conservative to aggressive long-term growth, participants consider their age and risk-tolerance when choosing the portfolio that’s right for them.

Fixed annuities for principal protection and guaranteed returns² • For participants who want to put all or a portion of their contributions into a fixed annuity with guaranteed returns², PlanMember offers fixed annuity options underwritten by Annuity Investors Life (Great American) and Symetra. ³

A Variable Annuity Option for Growth Potential with Available Downside Protection • Participants can also invest a variable annuity from AXA Equitable that offers a variety of investment options and product features. ³ Members can select from wide variety of equity, fixed-income, money market, asset allocation and target date sub account options managed by AXA Equitable, Fidelity, Franklin Templeton, OppenheimerFunds, MFS, Invesco and other recognized investment managers. In addition, members can select an investment option with growth potential tied to the S&P 500 with available downside protection, ⁴ or one that offers a guaranteed rate of interest and principal. ² An income benefit that provides members with guaranteed withdrawals for life² that can increase and never decline is also available.

With the investment variety of the PlanMember Model Plan, nonprofit employees have access to the wide range of investment options they need to help reach their retirement goals, while plan sponsors benefit from comprehensive plan design, administration and record-keeping services. Through consolidation, PlanMember puts nonprofit employers in the position to realize cost savings with fewer reporting and administrative burdens.

Through the PlanMember Model Plan, nonprofits can offer a quality retirement plan like the largest for-profit companies in the nation, with the personal support of a company that knows the unique needs of nonprofit organizations.

For more information on PlanMember’s complete and affordable retirement plan solutions for nonprofits, please contact Chris Guanciale at (800) 874-6910, extension 2329 or at cguanciale@planmember.com.

¹ An annual asset-based fee will apply as well as the internal expenses and fees of the underlying funds.
² Guarantees and benefits are subject to the claims-paying ability of the underlying Insurance Company.
³ Annuity product names, surrender charge schedules, contract form numbers and other disclosures can be found on the respective annuity's PlanMember Fact Sheet.
⁴ Up to a specified limit with available downside protection against market loss. Not available in all states or plans.

Withdrawals from annuities, including partial withdrawals and surrenders, may be taxable. If you take a taxable withdrawal before age 59 ½, 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) 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 or the use of an investment advisor does not ensure a profit or guarantee against loss.