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To learn more, contact Steve Keyser, Managing Director at 314.265.6192 or
skeyser@edplus.org“VALIC is very helpful with retirement.
The options are wonderful.”
--Christina York
Special School District
“CSD Retirement Trust provides great
and reliable service. I am glad our
district chose this company to meet our
needs.”
--Nilsa A. Avila
Ritenour School District
“In a marketplace that is complex with
financial planners that many times
make decisions that are in their own
best interest, it is hard to know who to
trust. I believe that the retirement
planning provided through CSD
provides a services that places the
customers best interest first.”
--Dane Williams
Webster Groves School District
“My VALIC advisor was very helpful in
planning for my retirement. Any
concerns or questions I had were
quickly addressed and he took the time
to explain what I
needed to do to meet
my retirement goals.”
--Kim Hollis
Hazelwood School District
What is the CSD Retirement Trust?
An Educated Choice for Participants and Their Districts.
The CSD Retirement Trust is a consortium of school districts that have joined
together to improve retirement planning and outcomes for their employees and
to reduce employee fees. The Trust also saves districts time and money while
ensuring compliance with 403(b) and 457(b) regulations. Over 4,300 active
employees and retirees from 39 school districts with over $93 million in plan
assets make up the Trust.
Performance
Since it launched in January 2010,the CSD Retirement Trust:
•
Through 2016, investment options have outperformed their peer
benchmark in 29 of the 31 (94%) investment categories
•
Investment management fees have decreased in 91% of the Trust’s
investment options since its launch.
•
Lowered administrative expenses by 59 percent
The CSD Retirement Trust is “An Educated Choice” because…
For Participants:
•
Lowers fees, striving for the lowest fee share class, and increases
transparency
•
Provides diversified investment options through actively managed,
index and age-appropriate target date funds
•
Monitors and reports on fund performance quarterly, replacing
underperforming funds as needed
•
Provides flexibility with both pre and post-tax contribution plans
•
Deploys salaried, not commissioned, financial advisors who focus on
educating participants, not selling products, thus reducing confusion
and indecision
•
Enables participants to buy time into PSRS/PEERS with no rollover fees
•
Improves the bottom line for participants by increasing retirement
balances, providing higher income replacement
For School Districts:
•
Eliminates compliance (including tax) and record-keeping issues
•
Significantly reduces, if not eliminates, costs
•
Ensures consistent plan communications
•
Reduces interruptions and security concerns during the school day