130 / 499
Prepared for Springfield R-XII School District
48
Each seminar package is outlined below:
Planning for Financial Security
Retirement Strategies for Life
Retirement planning
Cash management
Estate planning
Investment planning
Risk management
Asset allocation
Tax planning
Retirement transitions
Income and distribution planning
Estate planning
Social Security and Medicare
Long-term care
Computer-Aided Retirement Planning
Listed below is a description of the computer-aided services our financial advisors can offer:
Portfolio optimization.
Using our Portfolio Optimizer
®
software, financial advisors can
help participants create an efficient mix of investments that matches their retirement time
horizons, risk tolerances and investment preferences. Our software is based on formulas
developed by Nobel Prize-winning economists Harry Markowitz and William Sharpe.
Maximum contribution.
Our financial advisors can calculate the maximum dollar
amount (including catch-up provisions) a participant may contribute to his/her retirement
plan. We guarantee the accuracy of the calculation, based on the information that is
provided.
Paycheck comparison.
A participant can compare the effect different contribution levels
have on take-home pay or target a desired net pay to determine the amount he/she can
save for retirement.
Tax projection.
Advisors can estimate annual federal, state and local taxes to show a
participant how changes in retirement plan contributions influence tax savings.
Retirement needs analysis.
Advisors can estimate a participant’s retirement income
from all potential sources, including employer retirement plans, Social Security and
personal savings. Using this information, a retirement income gap/surplus is calculated
to help employees develop suitable investment strategies for retirement.
Participant Statements
VALIC mails a comprehensive account statement directly to each participant on a quarterly
basis. Each statement includes:
Pie chart illustrating investment allocation information
Personal Rate of Return
Transaction activity including beginning and ending balances, contributions, withdrawals,
loans, transfers, and net change in value
Investment allocations
Participant statements are also available online.
Topic-specific Reports
Sometimes, a participant wants focused information in a specific financial area. We provide
single-issue reports that are expedient and simple to use. This topic-specific approach
allows participants to hone their objectives, assess their current financial situation and
explore alternate funding methods. Available reports include:
Financial overview