Improving your retirement - Local 94
Improving your retirement ...
... AND FINANCIAL GAME PLAN
Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO
John Hancock Retirement Plan Services LLC and the Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO are not affiliated and neither are responsible for the liabilities of the other. John Hancock Retirement Plan Services LLC is also referred to as "John Hancock".
Focus on your goals
It's your money. What do you want to do? Think about retirement Protecting your assets
Improving your retirement ... | page 2
Agenda
Review
Your retirement plan and how it works
Discuss
How do I invest my money?
Learn
Improving your financial game plan
Improving your retirement ... | page 3
REVIEW
How does the plan work?
Long-term savings plan Benefits include:
- Current tax savings* - Automatic contributions from your employer
based on the collective or participation agreement - Diverse investment choices managed
by professionals - Potential investment growth - Morningstar? Retirement Manager ?
free investment advice - J.W. Thompson Investments John@ or
Jay@, 888.453.1869 - Access to money before retirement subject to the terms of
the plan* - Support available online and by phone
* Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59? may be subject to an early distribution penalty of 10%. Improving your retirement ... | page 4
REVIEW
Plan basics
Withdrawals* Retirement
Various payment options RMD at age 70 ?
Loans Must be actively employed by a contributing employer Must be employed for at least 3 years $1,000 to the lesser of $50,000 (or 50% of balance) 1 outstanding loan Up to 5 years or 10 years for a residential loan
* Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59 1/2 may be subject to an early distribution penalty of 10%. Improving your retirement ... | page 5
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