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5610 Ward Road, Suite 300 Arvada, CO 80002
9200 E. Mineral Avenue Centennial, CO 80112
Phone: 303-252-0852
Website: www.walshfinancialsolutions.com
November/December 2017
What's Your Plan?
It’s no secret. You can find a lot of helpful information about your employer’s retirement plan by reviewing a few documents.
The summary plan description (SPD) tells you what the plan provides and how it operates, including when employees are eligible to participate, how service and benefits are calculated, when benefits become vested and how they’re paid, and how to file a claim for benefits.
Your individual benefit statement includes information about your account balance and vested benefits. Make sure your personal information is accurate, such as salary level, your and your employer’s contribution amounts, years of service, address, Social Security number, beneficiary designation, and marital status.
Plan and investment information for participant-directed plans includes information regarding fees, expenses, and investment options to help you make decisions about managing your account.
An automatic enrollment notice provides a description of the automatic enrollment process, the salary deferral percentage, the default investment for automatic contributions, and your right to change the deferral percentage and investments or opt out of the plan.
A blackout notice is a notice of a temporary suspension, limitation, or restriction of account activity.
A summary of material modifications outlines significant plan changes or modifications to the information required in the SPD.
The summary annual report contains a summary of financial information filed by the plan on Form 5500 Annual Return/Report.
Read all the information you receive to stay current on any plan changes.
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Advisory Services offered through Walsh Financial Solutions or Vanderbilt Advisory Services. Securities offered through Vanderbilt Securities, LLC. Member FINRA, SIPC. Registered with MSRB. Walsh Financial Solutions and Vanderbilt Securities, LLC are separate and unaffiliated entities. Clearing agent: Fidelity Clearing & Custody Solutions. Insurance Services offered through Vanderbilt Insurance and other agencies. Supervising Office: 125 Froehlich Farm Blvd, Woodbury, NY 11797 631-845-5100
For additional information on services, disclosures, fees, and conflicts of interest, please visit www.vanderbiltfg.com/disclosures
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