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2007 Investment Education Expo

2007 Investment Education Expo. Kentucky’s New Deemed IRAs. NRM-4680KY. Simple. Smart. For you. For Life. 2007 Investment Education Expo. Options to Help Prepare for Retirement Deemed IRA Basics Opportunities for KY Employees. Simple. Smart. For you. For Life. Preparing for Retirement.

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2007 Investment Education Expo

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  1. 2007 Investment Education Expo Kentucky’s New Deemed IRAs NRM-4680KY Simple. Smart. For you. For Life

  2. 2007 Investment Education Expo • Options to Help Prepare for Retirement • Deemed IRA Basics • Opportunities for KY Employees Simple. Smart. For you. For Life

  3. Preparing for Retirement Simple. Smart. For you. For Life

  4. Preparing for Retirement Simple. Smart. For you. For Life

  5. Preparing for Retirement Simple. Smart. For you. For Life

  6. Regular IRA Available through banks, credit unions, brokerage firms, mutual funds, and others Traditional and Roth versions Deemed IRA Available as a component of a retirement plan Traditional and Roth versions Preparing for Retirement Simple. Smart. For you. For Life

  7. 2007 Investment Education Expo Deemed IRA Basics Simple. Smart. For you. For Life

  8. Deemed IRA Basics • Easy & Flexible Contributions • Payroll deduction – just like your other benefits • – OR – • 2) Direct Contribution • Personal check • Certified check • Money orders • All contributions are subject to IRA annual limits Simple. Smart. For you. For Life

  9. Deemed IRA Basics • Contributions • Deemed IRA contributions are not counted toward the annual contribution limits associated with your 457 and 401(k) Supplemental Retirement Plans • 457 plan: $15,500 • 401k plan (including Roth): $15,500 • Deemed IRA: $4,000 Simple. Smart. For you. For Life

  10. Deemed IRA Basics • Effective Tax-Year • Payroll Deduction: year that contributions are made • Direct Contribution: able to apply to either prior or current year until April 15 Simple. Smart. For you. For Life

  11. Deemed IRA Basics Simple. Smart. For you. For Life

  12. Deemed IRA Basics Simple. Smart. For you. For Life

  13. 2007 Investment Education Expo Opportunities for Kentucky Employees Simple. Smart. For you. For Life

  14. Opportunities for You Simple. Smart. For you. For Life

  15. Opportunities for You I’m contributing what I can through payroll deductions, but maybe I’ll have some extra at the end of the year. What can I do? Simple. Smart. For you. For Life

  16. Opportunities for You I’ve been contributing on a pre-tax basis and I like how that works, but tax-free withdrawals sound great! What can I do? Simple. Smart. For you. For Life

  17. Opportunities for You Keep things simple. One statement. One website. One phone number. Simple. Smart. For you. For Life

  18. Opportunities for You Keep things simple. Consistent Investment Options Consistent Education Plan Service Representatives are registered representatives of Nationwide Investment Services Corporation, member FINRA Simple. Smart. For you. For Life

  19. Opportunities for You I’m contributing to my KY 401k, and I have two IRAs that I’ve opened over the years. I have a hard time keeping track of everything. What are some options for me? Simple. Smart. For you. For Life

  20. How KY Employees Benefit Simplification Multiple statements  One quarterly statement Multiple websites  www.kentuckydcp.com Multiple phone numbers  1-800-542-2667 Different investment lineups  Same as current Plan Inconsistent resources  Plan Services Reps Qualified retirement plans, deferred compensation plans and individual retirement accounts are all different, including fees and when you can access funds. Assets rolled over from your account(s) may be subject to surrender charges, other fees and/or a 10% tax penalty if withdrawn before age 59 ½. Neither Nationwide nor any of its representatives give legal or tax advice. Please contact your legal or tax advisor for such advice. Simple. Smart. For you. For Life

  21. Opportunities for You Headline Benefits • Flexible payout options • Based on your income needs • Beneficiary designation • You decide Simple. Smart. For you. For Life

  22. Opportunities for You Headline Benefits • Asset fees • Breakpoints based on all the assets in your accounts • Investment options fees • Lower, institutional pricing Simple. Smart. For you. For Life

  23. Opportunities for You Variety Simplicity Consistency Simple. Smart. For you. For Life

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