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NOT FDIC/NCUA INSURED, MAY LOSE VALUE,NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL AGENCY
19864M REV 08-17
LiveWell® Mutual Fund IRAOver 150 Mutual Funds From 25+ Fund Managers
2
1 Excessive Trading Policy: More than one “round trip” involving the same investment option within a 60-calendar-day period is considered excessive trading. Please review the Disclosure Statement & Custodial Account Agreement of the LiveWell® Mutual Fund IRA booklet.
2 Dollar Cost Averaging does not ensure profit or protect against loss in a declining market. Such a plan involves continuous investment in securities regardless of fluctuating price levels of such securities. Investors should consider their financial ability to continue purchases through periods of low price levels.
3 Statements regarding product simplicity are based on current research and comparison and do not completely compare all product features. If there are questions regarding this information, contact a representative from the applicable company. This data is for informational purposes and is not intended as a solicitation or a recommendation of any product.
Simple And Innovative Investing Solutions.Straightforward Retirement Planning.
Setting up a solid retirement savings plan shouldn’t require managing multiple accounts, high management fees, or complex investment strategies. It also shouldn’t lead to paperwork headaches or mountains of quarterly statements.
Now, you can practically eliminate the hassles of setting up a well-rounded retirement savings program just by taking advantage of the simplified investment options from the LiveWell Mutual Fund IRA.3
Simple.One-Stop Solution With Over 135 Mutual Fund Options The LiveWell Mutual Fund IRA gives you the freedom to invest with a wide variety of the nation’s most well-known money managers and mutual funds. But instead of working with each on an individual basis, you save time and money by investing in one easy-to-manage IRA.3
With over 150 mutual funds from 25+ fund families to choose from, you have maximum flexibility to tailor your portfolio to your risk tolerance and investment goals. From conservative bond funds to growth-oriented mutual funds to alternative investments, the LiveWell Mutual Fund IRA delivers a full spectrum of investment options.
Plus, you’re not locked into any one investment strategy. If you decide to change your investment options along the way, simply update your allocations. There are no transaction fees or sales loads to worry about.
The LiveWell Mutual Fund IRA – A Smart Retirement SolutionWhen you change jobs or retire, you have choices to make with your retirement savings. In some cases, it may be beneficial to leave money in your current retirement plan. You may also consider rolling assets into a new employer plan, receiving installments or annuities (if available), cashing out your account value, or rolling assets into an IRA like the LiveWell Mutual Fund IRA from Sammons Retirement Solutions.
The LiveWell Mutual Fund IRA is designed specifically to save you time and money when it comes to retirement and planning solutions.
The LiveWell® Mutual Fund IRA Provides You With:
More than 150 mutual funds in one convenient spot
25+ of the country’s most popular fund managers
No front-end charges
No back-end charges
No charge for Systematic Withdrawals
No fees for automatic Required Minimum Distributions (RMDs)
No charge to reallocate or rebalance assets1
Optional features like Dollar Cost Averaging2, Automatic Rebalancing, and Systematic Withdrawals available at no extra charge
Dollar Cost Averaging and Automatic Rebalancing are not available together
Multiple Alternative Investment Strategies
See page 3 for a list of fees and expenses.
33
1 Excessive Trading Policy; more than one “round trip” involving the same investment option within a 60-calendar-day period is considered excessive trading. Please review the Disclosure Statement & Custodial Account Agreement of the LiveWell® Mutual Fund IRA booklet.
2 Fund options and associated standard mutual fund fees are as of 5/31/2017. Standard mutual fund fees, ranging from 0.54%-2.67% net, also apply.
More Than 150 Mutual Funds From 25+ Of The Most Popular Fund Managers
Innovative.Helping Your Retirement Savings Grow By Keeping Investment Costs DownWhen it comes to your retirement savings, holding down investment costs can be critical. That’s another area where the LiveWell Mutual Fund IRA shines.
• No front-end charges
• No back-end charges
• No charge to reallocate your investment options1
• No charge for systematic withdrawals
• No charge to rebalance your funds1
• No ticket charges
• No fees for automatic required minimum distributions
Straightforward.One Affordable Recordkeeping Fee With the LiveWell Mutual Fund IRA, you can access some of the nation’s most popular mutual funds with only a recordkeeping fee and standard fund expenses.2 Total Assets Annual Recordkeeping Fee $100,000+ 0.40% $50,000 - <$100,000 0.50% $25,000 - <$50,000 0.60% Less than $25,000 0.75%
Getting Started Is EasyJust work with your financial professional to determine your investment goals, pros and cons of options like leaving money in your existing plan, and which types of funds best fit your situation. Then choose from the highly respected funds and money managers available in the LiveWell Mutual Fund IRA. Your financial professional can quickly set everything up for you.
Learn more by visiting www.srslivewell.com today!
4
Fund options and associated standard mutual fund fees are as of 5/31/2017. Standard mutual fund fees, ranging from 0.54%-2.67% net, also apply.1 Excessive Trading Policy: More than one “round trip” involving the same investment option within a 60-calendar-day period is considered excessive trading. Please review the Disclosure
Statement & Custodial Account Agreement of the LiveWell® Mutual Fund IRA booklet.2 Asset Allocation (and/or diversification) does not ensure a profit or guarantee against loss; it is a method used to help manage risk. 3 Dollar Cost Averaging does not ensure profit or protect against loss in a declining market. Such a plan involves continuous investment in securities regardless of fluctuating price levels
of such securities. Investors should consider their financial ability to continue purchases through periods of low price levels.
Minimum Age For Opening An Account
18+
Type of Money Rollovers or transfers from qualified plans such as 401(k), 403(b), and governmental 457 plans.
Traditional IRAs, SEP-IRAs, Roth IRAs, and Inherited IRAs.
Minimum Initial Contribution $10,000
Minimum Additional Contributions
$1,000 or $100 for contributions made through monthly Electronic Funds Transfer (EFT)
Full Liquidity No withdrawal charges. No front-end loads. No back-end loads. No charge for reallocations or rebalancing.1 No transaction fees. No fees for automatic required minimum distributions.
Fund Options More than 150 mutual funds from 25+ fund managers.
LiveWell® Models2 powered by Morningstar Investment Management LLC.
Fees Total Assets$100,000+$50,000 - < $100,000$25,000 - < $50,000Less than $25,000
Annual Recordkeeping Fee0.40%0.50%0.60%0.75%
Other Features AvailableOne option may be elected
Dollar Cost Averaging (DCA)3 OR Automatic Rebalancing.
Select quarterly, semi-annual, or annual mode.
Monthly mode is also available for DCA.
LiveWell® Mutual Fund IRA At A GlanceLiveWell Mutual Fund IRA brought to you by Sammons Retirement Solutions® Inc
5
1 Statutory Basis as of 12/31/2016.2 Ranked No. 86 on Forbes’ 2016 List of America’s Largest Private Companies. The list includes 223 privately held companies with revenues of more than $2 billion.
Brought To You By Sammons Retirement SolutionsSammons Retirement Solutions® Inc. provides simple, innovative, and straightforward solutions that can help individual investors live well in retirement. These solutions include mutual fund IRAs and annuities.
Headquartered in West Des Moines, Iowa, we work with a nationwide network of banks and broker/dealers to provide retirement solutions that meet the needs of financial advisers and their clients.
We constantly review the market to ensure our solutions meet the ever-changing challenges faced by advisers and investors when planning for retirement. Our solutions give advisers and their clients clear-cut choices for financial planning. We apply original thinking to retirement planning, while ensuring that traditional values such as trust, transparency, and customer service are maintained at all times.
So whether you’re conservative or aggressive, and no matter what your retirement timeline looks like, Sammons Retirement Solutions provides solutions for your financial planning with the LiveWell® Retirement Series.
Sammons Retirement SolutionsA Member of Sammons® Financial Group Sammons Financial Group (SFG) is an insurance holding company with over $73 billion in assets.1 SFG member companies offer a diverse portfolio of financial services, including life insurance, annuities, and securities. Sammons Financial Group is comprised of:
• Midland National® Life Insurance Company
• Sammons Annuity Group (a division of Midland National)
• Sammons Financial Network® LLC.
• North American Company for Life and Health Insurance®
• Sammons® Corporate Markets Group (a division of Midland National)
• Sammons Retirement Solutions® Inc.
The parent company, Sammons Enterprises, Inc., is a multifaceted, diversified international holding corporation that owns and operates businesses across a diverse range of industries. Headquartered in Dallas, Texas, Sammons Enterprises, Inc. ranks as one of the largest privately held companies in the United States.2
Invest With Some Of The Most Popular Mutual Funds Managed By Some Of The Nation’s Most Talented Fund Managers
6
INVESTMENT OPTION BY ASSET CLASS TICKER
LARGE VALUE
American Century Value R AVURX
BlackRock Equity Dividend A MDDVX
Columbia Dividend Opportunity R RSOOX
Columbia Select Large-Cap Value R SLVRX
Fidelity Advisor Value Strategies M FASPX
Lord Abbett Fundamental Equity R3 LAVRX
Pioneer Equity Income R PQIRX
Power Dividend Index A PWDAX
LARGE BLEND
Calvert U.S. Large Cap Core Responsible Index A CSXAX
ClearBridge Dividend Strategy R LMMRX
Columbia Contrarian Core R CCCRX
Fidelity Advisor Large Cap M FALGX
Franklin Rising Dividends R FRDRX
Oppenheimer Main Street R OMGNX
PIMCO StocksPLUS R PSPRX
LARGE GROWTH
Alger Capital Appreciation Instl R ACARX
American Century Disciplined Growth R ADRRX
American Century Ultra R AULRX
ClearBridge Aggressive Growth R LMPRX
ClearBridge Large Cap Growth R LMPLX
Fidelity Advisor New Insights M FNITX
Franklin DynaTech R FDNRX
Ivy Large Cap Growth R WLGRX
Pioneer Fundamental Growth R PFGRX
T. Rowe Price Blue Chip Growth R RRBGX
T. Rowe Price Growth Stock R RRGSX
MID VALUE
Deutsche Mid Cap Value R MIDQX
Fidelity Advisor Leveraged Company Stock M FLSTX
Janus Henderson Mid Cap Value R JDPRX
Lord Abbett Calibrated Mid Cap Value R3 LVMRX
Prudential QMA Mid-Cap Value R SDVRX
Transamerica Small/Mid Cap Value A IIVAX
MID BLEND
Calvert Capital Accumulation A CCAFX
ClearBridge Mid Cap R LMREX
First Investors Opportunity A FIUSX
MID GROWTH
Eaton Vance Atlanta Capital SMID-Cap R ERSMX
Fidelity Advisor Mid Cap II M FITIX
Ivy Mid Cap Growth R WMGRX
Oppenheimer Discovery Mid Cap Growth R OEGNX
SMALL VALUE
Janus Henderson Small Cap Value R JDSRX
Prudential QMA Small Cap Value R TSVRX
Royce Opportunity R ROFRX
SMALL BLEND
Fidelity Advisor Small Cap M FSCTX
Ivy Small Cap Core R IYSMX
Oppenheimer Main Street Small Cap R OSCNX
SMALL GROWTH
ClearBridge Small Cap Growth R LMPOX
Ivy Small Cap Growth R WSGRX
Janus Henderson Triton R JGMRX
INTERNATIONAL LARGE
Aberdeen International Equity R GIRRX
First Investors International A FIINX
Ivy International Core Equity R IYITX
Lord Abbett International Dividend Income R3 LIRRX
Oppenheimer International Diversified R OIDNX
Oppenheimer International Equity R QIVNX
Oppenheimer International Growth R OIGNX
T. Rowe Price International Value Equity R RRIGX
Templeton Foreign R TEFRX
Transamerica International Equity A TRWAX
INTERNATIONAL SMALL
Aberdeen International Small Cap R WPVAX
BlackRock Global Small Cap A MDGCX
Oppenheimer International Small-Mid Company R OSMNX
WORLD STOCK
Franklin Mutual European R FMURX
Janus Henderson Global Research R JDWRX
Oppenheimer Global R OGLNX
Oppenheimer Global Opportunities R OGINX
Oppenheimer Global Value R GLVNX
EMERGING MARKETS
Aberdeen China Opportunities R GOPRX
Aberdeen Emerging Markets R GEMRX
Templeton Developing Markets R TDMRX
Templeton Emerging Markets Small Cap R FTESX
COMMODITIES/PRECIOUS METALS
Oppenheimer Gold & Special Minerals R OGMNX
PIMCO Commodity Real Return Strategy R PCSRX
COMMUNICATIONS
Fidelity Advisor Telecommunications M FTUTX
ENERGY/NATURAL RESOURCES
Fidelity Advisor Materials M FMFTX
LiveWell® ModelsACCUMULATION INCOME
Conservative High Income
Moderate Diversified Income
Moderate Growth
Growth
Aggressive Growth
7
Ivy Energy R IYEFX
Ivy Natural Resources R IGNRX
Prudential Jennison Natural Resources R JNRRX
FINANCIAL SERVICES
Prudential Financial Services R PSSRX
HEALTH
Eaton Vance Worldwide Health Science R ERHSX
Fidelity Advisor Biotechnology M FBTTX
REAL ESTATE
Fidelity Advisor Real Estate M FHETX
Prudential Global Real Estate R PURRX
TECHNOLOGY
Columbia Seligman Global Technology R SGTRX
Ivy Science & Technology R WSTRX
UTILITIES
Franklin Utilities R FRURX
Prudential Jennison Utility R JDURX
BALANCED
Columbia Income Builder R CBURX
Eaton Vance Balanced R ERIFX
Fidelity Advisor Strategic Div & Inc M FTSDX
First Investors Total Return A FITRX
Franklin Income R FISRX
Franklin Mutual Shares R TESRX
Ivy Balanced R IYBFX
Janus Henderson Balanced R JDBRX
Lord Abbett Multi-Asset Income R3 LIXRX
Transamerica Multi-Managed Balanced A IBALX
RISK BASED ALLOCATION
Fidelity Advisor Asset Manager 85% M FEYTX
Fidelity Advisor Asset Manager 70% M FTASX
Fidelity Advisor Asset Manager 50% M FFTMX
Fidelity Advisor Asset Manager 30% M FTTNX
TARGET DATE ALLOCATION
American Century One Choice 2020 R ARBRX
American Century One Choice 2030 R ARCRX
American Century One Choice 2040 R ARDRX
American Century One Choice 2050 R ARFWX
American Century One Choice in Retirement R ARSRX
WORLD ALLOCATION
BlackRock Global Allocation A MDLOX
Franklin Mutual Quest R FMQSX
PIMCO All Asset R PATRX
TACTICAL
Aberdeen Diversified Alternatives R GASRX
Aberdeen Equity Long-Short R GLSRX
AC Alternatives Equity Market Neutral R ALIRX
ALPS | Red Rocks Listed Private Equity R LPERX
Deutsche Real Assets R AAAQX
First Investors Covered Call Strat A FRCCX
Oppenheimer Global Multi-Alternatives R ODANX
PIMCO Global Multi-Asset R PGMRX
Transamerica Multi-Manager Alternative Strategies A IMUAX
SHORT TERM BOND
Lord Abbett Short Duration Income R3 LDLRX
PIMCO Low Duration R PLDRX
PIMCO Short-Term R PTSRX
Prudential Short-Term Corporate Bond R JDTRX
INTERMEDIATE BOND
Janus Henderson Flexible Bond R JDFRX
Lord Abbett Income R3 LAURX
Oppenheimer Core Bond R OPBNX
PIMCO Total Return R PTRRX
Pioneer Bond R PBFRX
Prudential Total Return Bond R DTBRX
Western Asset Core Plus Bond R WAPRX
MULTISECTOR BOND
Eaton Vance Multi-Sector Income R EVBRX
Fidelity Advisor Strategic Income M FSIAX
Lord Abbett Bond-Debenture R3 LBNRX
PIMCO Income R PONRX
Pioneer Strategic Income R STIRX
WORLD BOND
Ivy Global Bond R IYGOX
PIMCO Foreign Bond (USD-Hedged) R PFRRX
Templeton Global Bond R FGBRX
Templeton Global Total Return R FRRGX
EMERGING MARKETS BOND
Columbia Emerging Markets Bond R CMBRX
HIGH YIELD BOND
Columbia High Yield Bond R CHBRX
Ivy High Income R IYHIX
Lord Abbett High Yield R3 LHYRX
PIMCO High Yield R PHYRX
Power Income A PWRAX
INFLATION PROTECTION
American Century Inflation-Adjusted Bond R AIARX
PIMCO Real Return R PRRRX
BANK LOAN
Lord Abbett Floating Rate R3 LRRRX
Oppenheimer Senior Floating Rate R OOSNX
GOVERNMENT BOND
American Century Ginnie Mae R AGMWX
Columbia US Government Mortgage R CUGUX
Eaton Vance Government Obligations R ERGOX
CONVERTIBLE BOND
Lord Abbett Convertible R3 LCFRX
NONTRADITIONAL BOND
Janus Henderson Global Unconstrained Bond R JUCRX
PIMCO Unconstrained Bond R PUBRX
8
INVESTMENT OPTION BY FUND FAMILY TICKER
Aberdeen China Opportunities R GOPRX
Aberdeen Diversified Alternatives R GASRX
Aberdeen Emerging Markets R GEMRX
Aberdeen Equity Long-Short R GLSRX
Aberdeen International Small Cap R WPVAX
Aberdeen International Equity R GIRRX
Alger Capital Appreciation Instl R ACARX
ALPS | Red Rocks Listed Private Equity R LPERX
AC Alternatives Equity Market Neutral R ALIRX
American Century Disciplined Growth R ADRRX
American Century Ginnie Mae R AGMWX
American Century Inflation-Adjusted Bond R AIARX
American Century One Choice 2020 R ARBRX
American Century One Choice 2030 R ARCRX
American Century One Choice 2040 R ARDRX
American Century One Choice 2050 R ARFWX
American Century One Choice in Retirement R ARSRX
American Century Ultra R AULRX
American Century Value R AVURX
BlackRock Equity Dividend A MDDVX
BlackRock Global Allocation A MDLOX
BlackRock Global Small Cap A MDGCX
Calvert Capital Accumulation A CCAFX
Calvert U.S. Large Cap Core Responsible Index A CSXAX
Columbia Contrarian Core R CCCRX
Columbia Dividend Opportunity R RSOOX
Columbia Emerging Markets Bond R CMBRX
Columbia High Yield Bond R CHBRX
Columbia Income Builder R CBURX
Columbia Select Large-Cap Value R SLVRX
Columbia Seligman Global Technology R SGTRX
Columbia US Government Mortgage R CUGUX
Deutsche Mid Cap Value R MIDQX
Deutsche Real Assets R AAAQX
Eaton Vance Atlanta Capital SMID-Cap R ERSMX
Eaton Vance Balanced R ERIFX
Eaton Vance Government Obligations R ERGOX
Eaton Vance Multi-Sector Income R EVBRX
Eaton Vance Worldwide Health Science R ERHSX
Fidelity Advisor Asset Manager 30% M FTTNX
Fidelity Advisor Asset Manager 50% M FFTMX
Fidelity Advisor Asset Manager 70% M FTASX
Fidelity Advisor Asset Manager 85% M FEYTX
Fidelity Advisor Biotechnology M FBTTX
Fidelity Advisor Large Cap M FALGX
Fidelity Advisor Leveraged Company Stock M FLSTX
Fidelity Advisor Materials M FMFTX
Fidelity Advisor Mid Cap II M FITIX
Fidelity Advisor New Insights M FNITX
Fidelity Advisor Real Estate M FHETX
Fidelity Advisor Small Cap M FSCTX
Fidelity Advisor Strategic Div & Inc M FTSDX
Fidelity Advisor Strategic Income M FSIAX
Fidelity Advisor Telecommunications M FTUTX
Fidelity Advisor Value Strategies M FASPX
First Investors Covered Call Strat A FRCCX
First Investors International A FIINX
First Investors Opportunity A FIUSX
First Investors Total Return A FITRX
Franklin DynaTech R FDNRX
Franklin Income R FISRX
Franklin Mutual European R FMURX
Franklin Mutual Quest R FMQSX
Franklin Mutual Shares R TESRX
Franklin Rising Dividends R FRDRX
Franklin Utilities R FRURX
Templeton Developing Markets R TDMRX
Templeton Emerging Markets Small Cap R FTESX
Templeton Foreign R TEFRX
Templeton Global Bond R FGBRX
Templeton Global Total Return R FRRGX
Ivy Balanced R IYBFX
Ivy Energy R IYEFX
Ivy Global Bond R IYGOX
9
Ivy High Income R IYHIX
Ivy International Core Equity R IYITX
Ivy Large Cap Growth R WLGRX
Ivy Mid Cap Growth R WMGRX
Ivy Natural Resources R IGNRX
Ivy Science & Technology R WSTRX
Ivy Small Cap Core R IYSMX
Ivy Small Cap Growth R WSGRX
Janus Henderson Balanced R JDBRX
Janus Henderson Flexible Bond R JDFRX
Janus Henderson Global Research R JDWRX
Janus Henderson Global Unconstrained Bond R JUCRX
Janus Henderson Mid Cap Value R JDPRX
Janus Henderson Small Cap Value R JDSRX
Janus Henderson Triton R JGMRX
ClearBridge Aggressive Growth R LMPRX
ClearBridge Dividend Strategy R LMMRX
ClearBridge Large Cap Growth R LMPLX
ClearBridge Mid Cap R LMREX
ClearBridge Small Cap Growth R LMPOX
Western Asset Core Plus Bond R WAPRX
Lord Abbett Bond-Debenture R3 LBNRX
Lord Abbett Calibrated Mid Cap Value R3 LVMRX
Lord Abbett Convertible R3 LCFRX
Lord Abbett Floating Rate R3 LRRRX
Lord Abbett Fundamental Equity R3 LAVRX
Lord Abbett High Yield R3 LHYRX
Lord Abbett Income R3 LAURX
Lord Abbett International Dividend Income R3 LIRRX
Lord Abbett Multi-Asset Income R3 LIXRX
Lord Abbett Short Duration Income R3 LDLRX
Oppenheimer Core Bond R OPBNX
Oppenheimer Discovery Mid Cap Growth R OEGNX
Oppenheimer Global R OGLNX
Oppenheimer Global Multi-Alternatives R ODANX
Oppenheimer Global Opportunities R OGINX
Oppenheimer Global Value R GLVNX
Oppenheimer Gold & Special Minerals R OGMNX
Oppenheimer International Diversified R OIDNX
Oppenheimer International Equity R QIVNX
Oppenheimer International Growth R OIGNX
Oppenheimer International Small-Mid Company R OSMNX
Oppenheimer Main Street R OMGNX
Oppenheimer Main Street Small Cap R OSCNX
Oppenheimer Senior Floating Rate R OOSNX
PIMCO All Asset R PATRX
PIMCO Commodity Real Return Strategy R PCSRX
PIMCO Foreign Bond (USD-Hedged) R PFRRX
PIMCO Global Multi-Asset R PGMRX
PIMCO High Yield R PHYRX
PIMCO Income R PONRX
PIMCO Low Duration R PLDRX
PIMCO Real Return R PRRRX
PIMCO Short-Term R PTSRX
PIMCO StocksPLUS R PSPRX
PIMCO Total Return R PTRRX
PIMCO Unconstrained Bond R PUBRX
Pioneer Bond R PBFRX
Pioneer Equity Income R PQIRX
Pioneer Fundamental Growth R PFGRX
Pioneer Strategic Income R STIRX
Prudential Financial Services R PSSRX
Prudential Global Real Estate R PURRX
Prudential Jennison Natural Resources R JNRRX
Prudential Jennison Utility R JDURX
Prudential QMA Mid-Cap Value R SDVRX
Prudential QMA Small Cap Value R TSVRX
Prudential Short-Term Corporate Bond R JDTRX
Prudential Total Return Bond R DTBRX
Royce Opportunity R ROFRX
T. Rowe Price Blue Chip Growth R RRBGX
T. Rowe Price Growth Stock R RRGSX
T. Rowe Price International Value Equity R RRIGX
Transamerica International Equity A TRWAX
Transamerica Multi-Manager Alternative Strategies A IMUAX
Transamerica Multi-Managed Balanced A IBALX
Transamerica Small/Mid Cap Value A IIVAX
Power Dividend Index A PWDAX
Power Income A PWRAX
10 16756M REV 08-17
Asset allocation (and/or diversification) does not ensure a profit or guarantee against loss; it is a method to help manage risk.
LESS RISK MORE RISKSHORTER INVESTMENT TIME HORIZON LONGER INVESTMENT TIME HORIZONLESS VOLATILE MORE VOLATILE
CONSERVATIVE MODERATE MODERATE GROWTH GROWTH AGGRESSIVE GROWTH
ASSET-CLASS BREAKDOWN ASSET-CLASS BREAKDOWN ASSET-CLASS BREAKDOWN ASSET-CLASS BREAKDOWN ASSET-CLASS BREAKDOWN
Fixed Income: 80% | Equity: 20% Fixed Income: 60% | Equity: 40% Fixed Income: 40% | Equity: 60% Fixed Income: 20% | Equity: 80% Fixed Income: 5% | Equity: 95%
28.0% Western Asset Core Plus Bond R 23.0% Western Asset Core
Plus Bond R 17.0% Western Asset Core Plus Bond R 16.0% American Century
Value R 19.0% American Century Value R
17.0% Pioneer Bond R 13.0% Pioneer Bond R 13.0% American Century Value R 13.0% Aberdeen Emerging
Markets R 14.0% Aberdeen Emerging Markets R
12.0% PIMCO Short-Term R 10.0% American Century Value R 11.0% Pioneer Bond R 10.0% Western Asset Core Plus
Bond R 11.0% ClearBridge Large Cap Growth R
11.0% Lord Abbett Short Duration Income R3 10.0% ClearBridge Large Cap
Growth R 8.0% Aberdeen Emerging Markets R 9.0% ClearBridge Large Cap
Growth R 10.0% First Investors Opportunity A
7.0% Templeton Global Bond R 10.0% Templeton Foreign R 8.0% Templeton Foreign R 8.0% T. Rowe Price Blue Chip
Growth R 10.0% T. Rowe Price Blue Chip Growth R
5.0% American Century Value R 9.0% Lord Abbett Short
Duration Income R3 7.0% ClearBridge Large Cap Growth R 7.0% First Investors
Opportunity A 8.0% Templeton Foreign R
5.0% ClearBridge Large Cap Growth R 7.0% PIMCO Short-Term R 6.0% Oppenheimer
International Growth R 7.0% Pioneer Bond R 7.0% Eaton Vance Atlanta Capital SMID-Cap R
5.0% PIMCO Real Return R 4.0% Aberdeen Emerging Markets R 6.0% T. Rowe Price Blue Chip
Growth R 6.0% Eaton Vance Atlanta Capital SMID-Cap R 7.0% Ivy International Core
Equity R
5.0% Templeton Foreign R 4.0% First Investors Opportunity A 5.0% First Investors
Opportunity A 6.0% Ivy International Core Equity R 7.0% Oppenheimer
International Growth R
3.0% First Investors Opportunity A 4.0% PIMCO Real Return R 5.0% Lord Abbett Short
Duration Income R3 6.0% Oppenheimer International Growth R 4.0% Deutsche Mid Cap
Value R
2.0% Aberdeen Emerging Markets R 3.0% Eaton Vance Atlanta
Capital SMID-Cap R 4.0% Eaton Vance Atlanta Capital SMID-Cap R 6.0% Templeton Foreign R 3.0% Western Asset Core Plus
Bond R
3.0% Templeton Global Bond R 3.0% Deutsche Mid Cap
Value R 4.0% Deutsche Mid Cap Value R
3.0% PIMCO Short-Term R 2.0% Templeton Global Bond R
2.0% PIMCO Real Return R
2.0% Templeton Global Bond R
LiveWell® Models
11
HIGHER INCOME POTENTIALLESS VOLATILE
LOWER INCOME POTENTIALMORE VOLATILE WITH HIGHER
TOTAL RETURN POTENTIAL
HIGH INCOME DIVERSIFIED INCOME
ASSET-CLASS BREAKDOWN ASSET-CLASS BREAKDOWN
Fixed Income: 84% | Equity: 16% Fixed Income: 64% | Equity: 36%
20.0% Western Asset Core Plus Bond R 18.0% ClearBridge Dividend Strategy R
12.0% PIMCO Income R 15.0% PIMCO Income R
11.0% ClearBridge Dividend Strategy R 10.0% Western Asset Core Plus Bond R
10.0% Franklin Income R 9.0% T. Rowe Price International Value Equity R
8.0% Pioneer Strategic Income R 7.0% Templeton Global Bond R
7.0% Templeton Global Bond R 6.0% Franklin Income R
6.0% Lord Abbett Short Duration Income R3 5.0% Lord Abbett Floating Rate R3
5.0% Lord Abbett Floating Rate R3 5.0% Lord Abbett Short Duration Income R3
5.0% Lord Abbett High Yield R3 5.0% PIMCO Real Return R
4.0% PIMCO Short-Term R 5.0% Pioneer Strategic Income R
4.0% T. Rowe Price International Value Equity R 3.0% Aberdeen Emerging Markets R
3.0% PIMCO Foreign Bond (USD-Hedged) R 3.0% Deutsche Mid Cap Value R
3.0% PIMCO Real Return R 3.0% Janus Henderson Small Cap Value R
2.0% Aberdeen Emerging Markets R 3.0% Lord Abbett High Yield R3
3.0% PIMCO Short-Term R
Asset allocation (and/or diversification) does not ensure a profit or guarantee against loss; it is a method to help manage risk.
16756M REV 08-17
LiveWell® Models
Before making any rollover decisions, you must carefully consider all available retirement plan options including leaving the money in the current plan (which may be beneficial in certain circumstances), rolling the money to the new employer’s plan, installment and annuity payments (if available) and IRA rollovers. The key factors for the decision include: 1) investment options, 2) fees and expenses (including both investment options and account-related fees and expenses), 3) differing service levels available, 4) withdrawal penalties, 5) creditor and legal protections, 6) required minimum distributions, 7) employer stock, 8) income needs, and 9) tax impact and penalties. Tax consequences will vary and you should consult with a tax or legal adviser.
Investing in mutual funds involves risk, including potential loss of investment. You should consider the fund’s investment objectives, risks, charges, and expenses carefully before investing. The prospectus and/or summary prospectus contain this and other information. You may contact your financial professional or call 866-747-3421 to obtain a current fund prospectus. Please read it carefully.
You should also consider the expenses of the IRA program before investing. You must receive a fund prospectus and the LiveWell® Mutual Fund IRA disclosure form before investing.
IRAs are considered a long-term investment. Withdrawals from a Traditional or SEP-IRA are generally subject to income taxes, and if taken before age 59½, may be subject to an additional 10% IRS tax penalty. Withdrawals from a Roth IRA are generally not subject to income tax provided certain requirements are met. Information on Traditional, Roth, and SEP-IRAs is available in the LiveWell® Mutual Fund IRA disclosure.
Sammons Retirement Solutions® Inc. does not give tax, legal, or investment advice. Please consult with and rely upon your own tax, legal, or investment adviser(s).
Securities distributed by Sammons Financial Network® LLC, member FINRA. Sammons Retirement Solutions® Inc. provides administrative services. Sammons Financial Network® LLC and Sammons Retirement Solutions are affiliated companies and indirect wholly owned subsidiaries of Sammons Enterprises, Inc. of Dallas, Texas.
UMB Bank n.a. is the custodian for the LiveWell® Mutual Fund IRA program. The mutual funds offered through the LiveWell® Mutual Fund IRA are made available through Sammons Financial Network® LLC, member FINRA, 4546 Corporate Drive, Suite 100, West Des Moines, IA 50266. Information about the LiveWell® Mutual Fund IRA and the funds can be obtained by calling 866-747-3421. Sammons Retirement Solutions and Sammons Financial Network LLC, member FINRA are affiliated companies and are not affiliated with UMB Bank n.a.
Morningstar Investment Management LLC is a registered investment adviser and subsidiary of Morningstar, Inc. Morningstar Investment Management provides nondiscretionary consulting services to Sammons Retirement Solutions® Inc. (SRS) but is not acting in the capacity of adviser to individual investors. Morningstar Investment Management provides recommendations to SRS regarding asset allocation targets, for certain LiveWell® products/programs, which are subject to change without notice. Morningstar Investment Management establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Investment Management is not affiliated with SRS.
NOT FDIC/NCUA INSURED, MAY LOSE VALUE INCLUDING LOSS OF PRINCIPAL, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.
SAMMONS RETIREMENT SOLUTIONS® INC.Customer Service Center | 866-747-3421 | 5801 SW 6th Avenue | Topeka, Kansas 66636-1001
19864M REV 08-17
If you have questions or want additional information,please contact Sammons Retirement Solutions at
866-747-3421 or go online to www.srslivewell.com.
If you’re a financial professional and are interested in more details about the LiveWell® Mutual Fund IRA, please call the
Sammons Retirement Solutions Sales Desk at 855-624-0201.