Upload
victor-summers
View
219
Download
2
Tags:
Embed Size (px)
Citation preview
Products and financial services provided by the companies of OneAmerica® Products and financial services provided by the companies of OneAmerica® 1
MAKING IT PERSONAL – EVERY STEP OF THE WAY
OPTIONS FOR RETIREMENT PLAN CLIENTS
with the companies of OneAmerica®
For company and recruiting use only. Not for public distribution.For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Edward Jones Code of Conduct
OneAmerica is a sponsor of this Summer Regional Meeting. We have contributed a fee to help defer some of the costs of the meeting. Our sponsorship of this regional meeting creates a conflict of interest to the extent that you consider the sponsorship in rendering advice to your clients regarding retirement products. As a result, you CANNOT consider OneAmerica's sponsorship in determining which products to recommend to your clients.
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Edward Jones Reasonable Access
YOU ARE PROHIBITED FROM RECOMMENDING OUR RETIREMENT PRODUCTS TO CUSTOMERS BASED ON INCENTIVES PROVIDED TO THIS FIRM AND ITS FINANCIAL ADVISORS.
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica® Products and financial services provided by the companies of OneAmerica®
MAKING IT PERSONAL – EVERY STEP OF THE WAY
About OneAmerica®
an overview of retirement services
4
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica® 5
Retirement ServicesRetirement plan assets $24.3 billion
Number of corporate plans 5,095
Number of tax-exempt plans 4,860
Number of participants 641,127
Types of plans that we service:
• Defined Contribution (DC) Plans
― 401(k) Plans
― 403(b) Plans Including Church Plans
― 457 Governmental Plans
― Money Purchase Pension Plans
― Profit Sharing Plans
*Data as of 12/31/13
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Platform OfferingPlatform Group Annuity
Service Bundled/Unbundled TPA
Recordkeeper AUL
Target Market $500K to $5M
Plan Type 401(k), 403(b), 401(a)
InvestmentsRetail and Institutional lineups:
32 Investment Managers & 200+ Investments
Products and financial services provided by the companies of OneAmerica®
Awards & Recognition
In 2013, PlanSponsor magazine honored us with 31 “Best in Class” awards:Less than $5 million
marketParticipant Services Participant call centers Participant statements Range of investment options Participant loan / withdrawal
processing
Sponsor Services Form 5500 processing Compliance support / testing Account / service team
industry knowledge Account / service team
responsiveness Staff consistency / lack of staff
turnover Plan design flexibility
$5 - 25 million marketParticipant Services Retiree services / payments Range of investment options Participant loan / withdrawal
processing Sponsor Services Form 5500 processing Account / service team industry
knowledge Account / service team
responsiveness Staff consistency / lack of staff
turnover
$25 - 50 million marketParticipant Services Participant website functionality Overall education program Communication materials Range of investment options Participant loan / withdrawal
processing Participant beneficiary
administration Participant fee disclosure
Sponsor Services Compliance support / testing Legislative / regulatory updates Account / service team industry
knowledge Account / service team
responsiveness Staff consistency / lack of staff
turnover Plan design flexibility “Cost-to-value” of plan fees
Products and financial services provided by the companies of OneAmerica®
Retirement Plans in Your Book of Business?
• 0?• 1-2?• 3-5?• More than 5?
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Why Retirement Plans?
• Diversification• Deepening client relationships• “Sticky” assets• Recurring business, consistent flow• Access to individual relationships as well as
IRA rollovers
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Clients or Prospects?
• Small business owners?• HR professionals?• Not for profit board members?
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Sources for Prospecting• Centers of influence (CPA, attorney, etc.)• Public list sources (Databases)• Existing book of business • Networking opportunities
Conferences and exhibitions Chambers of Commerce Civic organizations Community organizations Business roundtables
OneAmerica- We have access to databases and can run reports specific to your zip code
11
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Retirement Plan Sponsors Top 2 Concerns
Service Fees
We can help you address both…
12
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Types of fees may include: • Billed fees• Investment management fees• Additional asset management fees
Earn your business statement- “If I can lower your fees and put a strategy in place to improve the service and efficiency of your plan, can I earn your business?”
Fees
13
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica® Products and financial services provided by the companies of OneAmerica®
MAKING IT PERSONAL – EVERY STEP OF THE WAY
Prospecting Idea- Integrate Index Investments into Retirement Plans
14
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica® 15
Growing adoption
40%
28%
32% 31%
50%
24%
Actively managed fundsIndex fundsNon-index investments
Asset breakdown as a percentage of total DC assets
2004 2012
Source: Vanguard: Index TDFs Gobbling up DC Plan Assets, 2013
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Benefits of IndexingAdvantages
1. Reduction in plan costs2. Benchmark performance3. Consistent exposure to
asset classes4. Diversification of
investment strategies
Considerations5.No chance for outperformance vs. a benchmark
Average expense ratios1
Index and active mutual funds, institutional only
1. Morningstar, January 2013
Foreignlarge cap
Small cap
Large cap
0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2%
0.40%
0.33%
0.30%
1.10%
1.06%
0.89%
Average active mutual fund Average index fundFor use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Index(k)™ Investment OptionsThe below options are available through Index(k):Index(k) options Index Funds Target Date Options
BlackRock Equity Index Fund BlackRock LifePath® Index 2050 Fund
BlackRock Mid Cap Equity Index Fund BlackRock LifePath® Index 2045 Fund
BlackRock Russell 1000® Index Fund BlackRock LifePath® Index 2040 Fund
BlackRock Russell 2000® Index Fund BlackRock LifePath® Index 2035 Fund
BlackRock Russell 2000® Value Fund BlackRock LifePath® Index 2030 Fund
BlackRock Russell 2000® Growth Fund BlackRock LifePath® Index 2025 Fund
BlackRock EAFE Equity Index Fund BlackRock LifePath® Index 2020 Fund
BlackRock Emerging Markets Equity Index Fund BlackRock LifePath® Index 2015 Fund
BlackRock U.S. Debt Index Fund BlackRock LifePath® Index Retirement Fund
AUL Stable Value
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Index(b)™ Investment OptionsThe below options are available through
Index(b):Index(b) options Index TARGET DATE options
TIAA-CREF Large Cap Value Index TIAA-CREF Lifecycle Index 2010
TIAA-CREF Large Cap Growth Index TIAA-CREF Lifecycle Index 2015
TIAA-CREF Bond Index TIAA-CREF Lifecycle Index 2020
TIAA-CREF Emerging Markets Equity Index TIAA-CREF Lifecycle Index 2025
TIAA-CREF International Equity Index TIAA-CREF Lifecycle Index 2030
State Street Equity 500 TIAA-CREF Lifecycle Index 2035
Columbia Mid Cap Index TIAA-CREF Lifecycle Index 2040
Columbia Small Cap Index TIAA-CREF Lifecycle Index 2045
TIAA-CREF Lifecycle Index 2050
TIAA-CREF Lifecycle Index 2055
TIAA-CREF Lifecycle Index Retirement Income
AUL Stable Value
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Why Indexing?For plan sponsors who:
• Need an alternative to underperforming active managers
• Are looking for lower cost investment options• Seek total transparency and disclosure• Need beta solutions in order to spend their time
focusing on other aspects of their retirement plan
For financial advisors who:• Want to change conversations with clients from
investment selection/replacement to plan design and participant outcomes
• Seek to provide increased value through the recommendation of appropriate cost-saving investment options for their clients
• Want to lower plan costs to the benefit of plan sponsor and underlying participantsFor use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica® Products and financial services provided by the companies of OneAmerica®
MAKING IT PERSONAL – EVERY STEP OF THE WAY
Improve Service/Efficiency
20
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
• Periodic investment reviews are less time consuming as the investments will generally manage to a benchmark
• Focus on plan design/participant outcomes• Increase participation rates by improving plan
education or auto deferrals/company match alterations
• Improve investment diversification by improving investment education
Service/Efficiency
21
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
• Develop or let us help you develop a formal participant education program:
Define goals, such as: Participation Deferral percentage Participant satisfaction
Schedule meetings for: Enrollment Investment education New hire orientation
Participant Education & Communication
22
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
One Day is Today Program• For employees who are new to the plan (or
whose plan has transitioned to us)• Topics such as:
o Transition & Enrollmento Match Informationo Consolidating Accounts
• For retirement preparation “beginners” of any age• Topics such as:
oRetirement Basicso Setting Goalso Starting Early
• Investment education materials• Topics such as:
o Investment Basicso Market Volatilityo Asset Allocation
• To assist employees with other aspects of their financial life
• Topics such as: o Managing Debto College Savingso Household Budgeting
• For those who will be retiring soon• Topics such as:
o Investing During Retiremento Making Retirement Assets Lasto Distribution Options
Comprehensive Participant Communication/Education to
Compliment Your Effort to Earn Participants’ Business
23
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Local Service Reps to Assist You/Your Client(s)
• Field Based Client Service Personnel
• Helps plan sponsor understand fiduciary and compliance responsibilities
• Conducts plan installation meeting
• Schedules ongoing enrollment meetings
• Holds plan reviews together with financial professionals
• Coordinates enrollment kit orders
• Provides plan information & education 24
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica® Products and financial services provided by the companies of OneAmerica®
MAKING IT PERSONAL – EVERY STEP OF THE WAY
JonesLink: WEB 107130
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
MKT- 1993
PRT - 6767CFor use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Identify and schedule an appointment with your top 3 business owners, board members or HR professional clients Earn your business statement- “If I can lower
your fees and put a strategy in place to improve the service and efficiency of your plan, can I earn your business?”
Use the employer retirement plan questionnaire to gather information
Contact (enter wholesaler’s name and contact information) or Neil Bryant at neil.bryant@edward jones.com/314-515-9356 and discuss options for the client
Give us a chance to earn your business
What do I do next?
27
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
Disclosures• The strategies referred to in this publication are among various investment strategies that
are managed by BlackRock as part of its investment management and fiduciary services. Strategies may include collective investment funds maintained by BlackRock Institutional Trust Company, N.A., which are available only to certain qualified employee benefit plans and governmental plans and not offered to the general public. Accordingly, prospectuses are not required and prices are not available in local publications. To obtain pricing information, please contact your local service representative.
• BlackRock Institutional Trust Company, N.A., a national banking association operating as a limited purpose trust company, manages the investment strategies and other fiduciary services referred to in this publication and provides fiduciary and trust services to various institutional investors. Strategies maintained by BlackRock are not insured by the Federal Deposit Insurance Corporation and are not guaranteed by BlackRock or its affiliates.
• BLACKROCK, LIFEPATH, and iSHARES® are registered trademarks of BlackRock. All other trademarks, service marks or registered trademarks are the property of their respective owners. DC-0063
• All statements herein are qualified by, and any offer is made solely pursuant to, a final offering document and investment management agreement. No offer to purchase units in any fund will be accepted prior to receipt by the offeree of these documents and the completion of all appropriate documentation.
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
• Investing involves risk, including possible loss of principal. The principal value of the funds is not guaranteed at any time including at and after the target-date. Asset allocation models and diversification do not promise any level of performance or guarantee against loss of principal. Investment in the funds is subject to the risks of the underlying funds.
• The strategies discussed are strictly for illustrative and educational purposes and should not be construed as a recommendation to purchase or sell, or an offer to sell or a solicitation of an offer to buy any security. There is no guarantee that any strategies discussed will be effective. The information provided is not intended to be a complete analysis of every material fact respecting any strategy.
• All group variable annuity contracts are issued by American United Life Insurance Company® (AUL), One American Square, Indianapolis, IN 46206-0368, 1-800-249-6269. Registered group variable annuity contracts are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863 McCready and Keene provides administrative and record keeping services and is not a broker/dealer or an investment advisor. Neither AUL, OneAmerica Securities, McCready and Keene nor their representatives provide tax, legal or investment advice.
• For use with financial professionals only. Not for public distribution.
Disclosures
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
• The underlying mutual fund investments selected by your plan’s investment advisor are held in trust by Wilmington Trust Retirement and Institutional Services Company, a non-depository trust company that acts as a custodian and/or directed trustee. These investments are not deposits or obligations of or guaranteed by Wilmington Trust, and are not insured by the FDIC, the Federal Reserve, or any other governmental agency.
• Mutual Funds are sold by prospectus. The prospectus contains important information about the fund. Before investing any money, plan participants should read the prospectus and carefully consider the fund's investment objectives, risks, charges and expenses. Investing involves risk, including the potential loss of principal. To obtain a copy of the prospectus, the participant should contact the plan's investment advisor or the mutual fund company directly.
• Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to 433 N. Capitol Ave., Indianapolis, IN 46204, 1-800-249-6269. Before investing, carefully consider the fund's investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing.
• The Index is comprised of an unmanaged portfolio of stocks with no fees or expenses reflected in the performance. Individuals cannot invest directly in an index.
Disclosures
Products and financial services provided by the companies of OneAmerica®
• Target Date Funds are designed for people who plan to retire and begin taking withdrawals during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments; the funds will shift assets from equities to fixed-income investments over time. As a result, the funds become more conservative over time as you approach retirement. It’s important to remember that no strategy can assure a profit or prevent a loss in a declining market and the principal value of the Target Date Funds is not guaranteed at any time, including the target date. Target Date Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the Target Date Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. The principal amounts invested into these funds are not guaranteed at any point and may lose value.
• The AUL Stable Value Account is provided through an AUL Group Annuity Contract and is supported by the general account of AUL. It is not a separate account, and plan participants do not own units, any portion of, or any entitlement to the AUL general account. Please refer to the applicable AUL Group Annuity Contract for more information on the Stable Value Account.
• BlackRock, Inc., TIAA-CREF, Vanguard, and Wilmington Trust Retirement and Institutional Services Company are not affiliates of McCready and Keene, Inc. or AUL and are not OneAmerica companies.
Disclosures
For use with financial professionals only. Not for public distribution.
Products and financial services provided by the companies of OneAmerica®
LIFE INSURANCE | RETIREMENT | EMPLOYEE BENEFITS
ONEAMERICA® companies:
AMERICAN UNITED LIFE INSURANCE COMPANY®
AUL REINSURANCE MANAGEMENT SERVICES, LLC
MCCREADY and KEENE, INC.
ONEAMERICA SECURITIES, INC.
PIONEER MUTUAL LIFE INSURANCE COMPANY
A stock subsidiary of American United Mutual Insurance Holding Company
THE STATE LIFE INSURANCE COMPANY