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Distribution Counseling
| Whether you're retiring or
changing jobs, Diversified offers the support you
need to make financially sound decisions about your
Plan of a Lifetime. You'll find a broad range of
distribution counseling services, including: |
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- Personalized Assistance.
Experienced Retirement Counselors can answer
your questions and assist you in making decisions
as you approach retirement.
- Ongoing Communications.
Newsletters will keep you up-to-date on all
the issues, and our kits on IRAs and distributions
will explain your options.
- Beneficiary Designations.
Distribution counselors can help you understand
the impact of designations of the estate, minor
beneficiaries, the use of a trust as a beneficiary
and per stirpes designation.
- Investment Modeling. Through
customized illustrations or our online distribution
counseling center, you can explore different
portfolios for investing during retirement.
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As part of Diversified's Plan of a Lifetime, we
offer you personalized assistance from professional
retirement counselors. These counselors are uniquely
qualified to: |
- answer your questions as you leave the company
or approach retirement;
- explain the different distribution options
available to you from your retirement savings
plan;
- model each available distribution option
to see which one is right for your particular
situation; and
- assist you in making decisions about your
retirement savings.
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| To reach one of our Retirement Counselors, just
call us toll-free. |
| As part of your Plan of a Lifetime, Diversified
offers a number of communications materials that
educate and inform you about options you have-and
steps you can take-to ensure a smooth transition
to retirement. |
- A series of pre-retirement communications
- at ages 53, 57 and 62 to help you understand
issues that are unique to retiring or leaving
your company
- Strategies, our quarterly newsletter - that
features a wide range of articles designed
to appeal to those who are nearing retirement
- Distribution Options Kit - which offers
comprehensive information on the distribution
choices available and legal requirements for
receiving plan assets when terminating employment
- Diversified IRA Kit – which helps you keep
the benefits of your Plan of a Lifetime simply
by rolling over to a Diversified IRA. This
kit includes details on how to:
-open an IRA
-keep the same investments
-protect the tax-deferred status of your retirement
savings, and
-avoid early withdrawal penalties from the
IRS.
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Beneficiary Designations
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We also explain the pros and cons of designating
different types of beneficiaries, such as leaving your retirement plan assets
to your estate, to beneficiaries who are minors, to trusts, and “per stirpes.”
- Forms |
| At Diversified, we know that it's critical for
you to generate a lifetime of income from your retirement
plan savings. |
- We prepare personalized illustrations for
you to illustrate several different options,
including:
- receiving a guaranteed income stream
- receiving regular income payments-and
leaving the rest invested
- opening a Traditional or Roth IRA
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Retiring
