Help With Managing Your Retirement Assets - The Vanguard Group

Help With Managing Your Retirement Assets

When it comes to getting help with investing, nobody wants the same thing. Some people want to know the specific investments they should choose. Others are curious about whether they're saving enough for retirement. Still others are looking for help with managing all their financial resources--not just the money in their retirement plans. No matter what your retirement investment needs are, Leidos and Vanguard offer advice services that can help. You can let us develop an investment strategy, choose your investments, and manage your money. Or maybe you just want us to point you in the right direction so that you can take care of investing yourself. It's up to you. Please refer to the information inside this brochure and on the last page for more information on guidance and advice services that can help you get your finances on track.

Your Advice Services at a Glance

Vanguard Financial Planning Services

Situational Guidance (Ask an AdvisorTM)

Contact a financial advisor from Vanguard to get answers to your financial questions.

Financial Plan (Vanguard Financial Plan)

Online Investment Advice (Personal Online Advisor)

How it works

Vanguard Financial Planning Services provide a full financial plan and a phone consultation with a financial advisor from Vanguard.

Your financial plan will include recommendations on your asset mix and savings rate, and a projection of your potential retirement income. During your consultation you can discuss your plan and ask questions.

Personal Online Advisor (POA), powered by Financial Engines, provides personalized, ongoing and objective investment advice and retirement savings projections considering assets inside and outside of your retirement Plan.

? You'd like to discuss specific investment options with an advisor.

? You want an advisor to determine whether you're saving enough.

? You want to include your spouse or partner in the financial discussion and consider outside investments.

? You are at least age 50.

? You want a comprehensive investment strategy from a financial advisor.

? You want to know how much you may safely spend in retirement.

? You want a long-term plan that includes outside investments.

? You want to include your spouse or partner in the financial discussion and consider outside assets.

Phone.

Online and phone.

This might be right for you if . . .

? You want help choosing investments. ? You want to know if you'll have enough money

when you retire. ? You prefer to receive your advice online. ? You want to include outside investments, including

those of your spouse or partner.

Online.

How you access the service

Financial Engines Services

Professional Management (Vanguard Managed Account Program)

Income+*

The Vanguard Managed Account Program (VMAPTM), powered by Financial Engines, will select your funds, invest your money, and periodically change your asset mix to suit your goals. It will also consider assets outside your retirement plan if you provide that information.

You'll receive professional, personalized and objective investment management and quarterly progress reports from Financial Engines.

Income+ is a new feature available to anyone with a POA or VMAP account. It focuses on helping you generate income from retirement assets such as savings and Social Security.

? Guidance on when to begin taking your Social Security benefit.

? A total retirement income plan with year-by-year spending levels.

? The options of professionally managed in-Plan payouts and the optional purchase of an out-of-Plan annuity.1

1Only your VMAP balance will be included in your payouts.

? You want a team of experts to manage your investments.

? You want a detailed investment strategy that considers assets outside your retirement plan.

? You'd like to review your plan at any time but prefer to leave the investment changes to financial professionals.

? You want to include outside investments, including those of your spouse or partner.

? You are between ages 55 and 69 years and seven years or less from retirement.

? You are currently using or plan to use VMAP.

? You are interested in receiving guidance on how to make the most of your Social Security benefit and how to set up a steady stream of income from your retirement plan.

Online and phone.

Online and phone.

No charge.

To schedule a consultation with an advisor, call Vanguard at 800-310-8952. (Note: If in-depth advice is needed, a financial plan may be recommended.)

No charge if you're age 50 or older. If you are under age 50, a fee (up to $1,000) based on your total assets invested with Vanguard will be assessed.

Log on to your account at /retirementplans or speak with an advisor at 800-310-8952.

No charge.

What you pay

How to get started

Log on to your account at /retirementplans.

An annual fee based on your account balance.**

No charge (upon enrollment in VMAP).

Log on to your account at retirementplans or Visit forleidos or call a Managed Account specialist at 800-310-9228 Monday call 800-310-9228. through Friday from 8:30 a.m. to 9 p.m., ET.

*Must be enrolled in the Vanguard Managed Account Program. **0.4% of your balance per year for the first $100,000 in your account; 0.3% of your balance per year for the next $150,000; 0.2% of your balance per year for the next $250,000; 0.1% of your balance per year for amounts of more than $500,000.

Approaching Retirement?

If you are age 55 or older, you may set up monthly withdrawals directly from your account. However, you may not be sure how much to take each month.

Vanguard can help. Using the Guided Installments service, you may estimate how much you might want to take from your Plan each month, considering living expenses and other sources of retirement income. This service also includes rebalancing reminders and automatic adjustments for required minimum distributions and inflation.

The web-based service begins by giving you a monthly withdrawal amount that, adjusted annually for inflation, has an 85% probability of lasting to age 95. You may then insert other installment amounts or adjust the time horizon to get an estimate of how successful a different strategy might be.

You may access the service online when you log on to your account at /retirementplans and view your available Plan distribution options.

Retirement Planning Tools and Calculators

Want to know how much income you may need in retirement? Want to see if you are on track for reaching your financial goals? Visit retirementtoolbox to access a number of tools and calculators that can help you manage your financial life.

Connect with Vanguard? retirementplans > 800-523-1188

All investing is subject to risk, including the possible loss of the money you invest.

The Vanguard Group has partnered with Financial Engines Advisors L.L.C. to provide subadvisory services to the Vanguard Managed Account Program and Personal Online Advisor. Financial Engines Advisors L.L.C. is an independent, federally registered investment advisor that does not sell investments or receive commission for the investments it recommends. Advice is provided by Vanguard Advisers, Inc. (VAI), a federally registered investment advisor and an affiliate of The Vanguard Group, Inc. (Vanguard). Eligibility restrictions may apply. Vanguard is owned by the Vanguard funds, which are distributed by Vanguard Marketing Corporation, a registered broker-dealer affiliated with VAI and Vanguard. Neither Vanguard, Financial Engines, nor their respective affiliates guarantee future results.

Vanguard Financial Planning Services, offered as part of Vanguard Personal Advisor Services, are provided by Vanguard Advisers, Inc., a federally registered investment advisor. Eligibility restrictions may apply.

Financial Engines is a trademark of Financial Engines, Inc. All rights reserved. Used with permission.

Participant Education P.O. Box 2900 Valley Forge, PA 19482-2900

? 2019 The Vanguard Group, Inc. All rights reserved. BBBBMKJS 032019

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