For registered representative use only. Not for public distribution. CN0903-22048-0916 Voya Select Advantage IRA A Mutual Fund Custodial Account Anthony

For registered representative use only. Not for public distribution.

CN0903-22048-0916

Voya Select Advantage IRA A Mutual Fund Custodial Account

Anthony Nizzi, AAMSDivisional Sales Manager


Disclosures

Your clients should consider the investment objectives, risks, and charges and expenses of the mutual funds offered through an individual retirement account carefully before investing. The prospectuses contain this and other information and can be obtained by contacting your local representative. Please read the information carefully before investing.

Mutual Funds offered through an individual retirement account are considered long-term investments designed for retirement purposes. Withdrawals from a Traditional Individual Retirement Account (IRA) are generally subject to Federal income tax, except for withdrawals of any after-tax or nondeductible contributions. An IRS 10% premature distribution penalty tax will apply to all taxable distributions you receive before you reach age 59 ½, unless another statutory exemption applies. Taxable distributions may also be subject to State income tax. Contributions to a Roth Individual Retirement Account (Roth IRA) are made on an after-tax basis. Distributions of earnings from a Roth IRA are not subject to Federal income tax, provided that certain Internal Revenue Code requirements are met. Distributions that do not meet these requirements may be subject Federal income tax, including an additional 10% Federal penalty tax. Refer to your Voya Select Advantage Disclosure Statement for further information. Taxable distributions may also be subject to State income tax. Tax laws change frequently. Please consult your personal tax advisor regarding taxation. Account values fluctuate with the market conditions, and when redeemed the principal may be worth more or less than the original amount invested.

Voya Institutional Trust Company is the custodian for mutual fund custodial accounts distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a wholesaling or selling agreement. Recordkeeping services provided by Voya Retirement Insurance and Annuity Company (Windsor, CT). All named companies are members of the Voya™ family of companies."

May Lose Value | Not A Deposit Of A Bank | Not Bank Guaranteed | Not FDIC/NCUA Insured | Not Insured By Any Federal Government Agency


The Opportunity

10,000 baby boomers turning 65 dailyTrend began in 2011Projected to continue for 19 years

26% of the total population are Baby Boomers

Baby Boomers Face Unique Challenges

Source – Pew Research Center

3


Retirement Challenges

Social Security

Pension Plans

Personal Retirement Savings

4


Retirement Challenges

Source: National Center for Health Statistics, National Vital Statistics Reports, Volume 58, Number 21. United States Life Tables, 2006.

5


Retirement Challenges - Defined Benefit Plan Trends

6


Voya Select Advantage IRA

Personal retirement program allowing clients to invest in a multi-manager suite of mutual funds from well-known fund managers

IRA account with one simple record-keeping fee plus individual fund expenses

Easy to present and easy to service

What is it? Not an advisory account

Not an insurance product

Not your typical retail IRA program

Not guaranteed

What it is not:


No front-end loads No back-end fees No transaction fees No deferred sales charges No transfer-out fees

Only cost from Voya is a Record Keeping Fee*

* Fund operating expenses also apply. Accounts with values less than $15,000will incur a $50 annual maintenance fee. An annual recordkeeping fee of 0.50%-0.60% applies to all accounts.


Simple to Explain:



Job changers and retirees Clients desiring to consolidate

retirement assets Clients that need to diversify current

mutual fund assets

Clients that don’t fit your advisory platform

SEP and SIMPLE IRA Plans

Start-up IRA and Roth IRA accounts

Typical Clients:


Freedom to ChooseOver 120 funds from over 30 industry leading fund managers covering all major sectors

You should consider the investment objectives, risks, and charges and expenses of the mutual funds offered through an individual retirement account carefully before investing. The prospectuses contain this and other information and can be obtained by contacting your local representative. Please read the information carefully before investing.

Mutual funds offered through a retirement plan are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59 ½ an IRs 10% premature distribution penalty tax may apply. Money distributed from the program will be taxed as ordinary income in the year the money is received. The mutual fund values fluctuate with market conditions, and when surrendered, the principal may be worth more or less than it original amount invested.


Facts At-a-Glance

Minimums:

$5,000 initial investment

$1,000 additional contributions

$100 minimum automatic monthly investments

Record Keeping Fee:

Total Assets Annual Record Keeping Fee

$0 to $49,999 0.60%

$50,000 to $99,999 0.55%

$100,000 and above 0.50%

*accounts under $15,000 are assessed a $50 annual account fee


Facts At-a-Glance

Additional Features: Automatic Asset Reallocation

Dollar Cost Averaging

Block Reallocations

Agent Initiated Withdrawals

Access balances over the phone or online

Dividend Sweeps

Prospectuses on CD or Website



Only need a Series 6/63 registration

Upfront plus trail based compensation1% upfront compensation with .50% annual trail

starting in year 2

1-Stop website for product information and paperwork www.voyaselectadvantage.com Password: Advantage

Registered Representative’s need to know:

http://www.ingselectadvanatage.com/



Marketing Support Client Material – Prospecting and Customizable www.voyaselectadvantage.com Password: advantage Sales Ideas

Diversifying non-diversified IRA mutual fund assets Talk about 401(k) rollovers with your clients Assist clients outside your threshold for advisory accounts

http://www.voyaselectadvantage.com/


THANK YOU

Help your clients grow, protect and enjoy their Orange MoneyTM

For more details, please contact the Sales Desk: 800-344-6860

Documents

For registered representative use only. Not for public distribution. CN0903-22048-0916 Voya Select Advantage IRA A Mutual Fund Custodial Account Anthony