181. Charles Schwab Retirement Services - SchwabPlan Provides record keeping and administrative services to retirement accounts. http://www.schwabplan.com/

Visitor Participant Sponsor Schwab's leadership in technology provides customers with more information, access and greater control of their financial futures. The Schwab web site, schwab.com, has been recognized as one of the best sites in the financial industry. We bring this expertise and innovation to you through the SchwabPlan web site, schwabplan.com. The SchwabPlan site requires version 6.0 or higher, or Internet Explorer version 5.0 or higher. Viewed on: 9/25/2005 Unauthorized access is prohibited. Usage will be monitored. (0803-11625)

182. U.S. Department Of Labor - Find It By Topic - Retirement Plans, Benefits & Savin This topic provides consumer information on pension plans, as well as complianceassistance for employers and pension plan providers to help them comply http://www.dol.gov/dol/topic/retirement/

U.S. Department of Labor www.dol.gov Search / A-Z Index Find It!: By Topic By Audience By Top 20 Requested Items By Form ... By Location September 25, 2005 DOL Home Find It! By Topic Find It! By Topic A pension plan is an employee benefit plan established or maintained by an employer or by an employee organization (such as a union), or both, that provides retirement income or defers income until termination of covered employment or beyond. There are a number of types of retirement plans , including the 401(k) plan and the traditional pension plan, known as a defined benefit plan Most private sector pension plans are covered by the Employee Retirement Income Security Act (ERISA) . Among other things, ERISA provides protections for participants and beneficiaries in employee benefit plans, including providing access to plan information. Also, those individuals who manage plans (and other fiduciaries) must meet certain standards of conduct under the fiduciary responsibilities specified in the law. The Employee Benefits Security Administration (EBSA) of the Department of Labor is responsible for administering and enforcing these provisions of ERISA. Click on the agency to find out more about the agency's program. As part of carrying out its responsibilities, the agency provides

183. Understanding Retirement Plan Fees And Expenses As the sponsor of a retirement plan, you are helping your employees achieve a The Federal law governing privatesector retirement plans, the Employee http://www.dol.gov/ebsa/publications/undrstndgrtrmnt.html

U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/ebsa Search: Search / A-Z Index Find It!: By Topic By Audience By Top 20 Requested Items By Form ... By Location September 25, 2005 DOL EBSA Publications Understanding Retirement Plan Fees... Understanding Retirement Plan Fees And Expenses May 2004 Printer Friendly Version As the sponsor of a retirement plan, you are helping your employees achieve a secure financial future. Sponsoring a plan, however, also means that you, or someone you appoint, will be responsible for making important decisions about the plan’s management. Your decisionmaking will include selecting plan investments or investment options and plan service providers. Many of your decisions will require you to understand and evaluate the costs to the plan. The Federal law governing private-sector retirement plans, the Employee Retirement Income Security Act (ERISA), requires that those responsible for managing retirement plans referred to as fiduciaries carry out their responsibilities prudently and solely in the interest of the plan’s participants and beneficiaries. Among other duties, fiduciaries have a responsibility to ensure that the services provided to their plan are necessary and that the cost of those services is reasonable. This booklet will help you better understand and evaluate your plan’s fees and expenses. While the focus is on fees and expenses involved with 401(k) plans, many of the principles discussed in the booklet also will have application to all types of retirement plans.

184. Social Security Online - Retirement & Medicare This page links to web pages that help people plan for retirement. Achieving asecure, comfortable retirement is much easier when you plan your finances http://www.ssa.gov/r&m1.htm

Jump to content Social Security Online www.socialsecurity.gov Home Questions? How to Contact Us ... Search Plan Your Retirement Updated: 08/15/2005 I want to... Find my retirement age Learn about factors that may affect my retirement benefits Calculate my benefits Learn about Social Security programs ... Find out what happens if I work after retirement Social Security's retirement program has been a basic part of American life for more than 70 years. In addition to benefits for retired workers, Social Security also provides financial support to younger workers and their families who face a loss of income due to disability or the death of a family wage earner. Because we're living longer, healthier lives, we can expect to spend more time in retirement than our parents and grandparents did. Achieving a secure, comfortable retirement is much easier when you plan your finances. Most financial planners recommend you prepare for the future with a combination of Social Security, private pensions and personal savings. If you are getting Social Security benefits when you turn 65, your Medicare Hospital Benefits start automatically. If you are not getting Social Security benefits, you should

185. Social Security Online retirement. Plan your retirement Calculate your benefits Do you qualify? Apply for retirement benefits Already receiving benefits. Medicare http://www.ssa.gov/

The age at which you can receive full retirement benefits is rising. (Find yours here.) But, you can still collect retirement benefits as early as age 62. Read about our achievements in providing more timely, productive and accurate service. Government Pension Offset provisions are changed by recent legislation. Click here to learn more. Learn about Social Security's work incentives program for people with disabilities. Report fraud, waste and abuse Help us prevent fraud, waste, and abuse in Social Security programs and operations. Government Launches Financial Education Website ... f This page uses javascript to display scrolling text. The text can be viewed on this page www.socialsecurity.gov How to Contact Us About Us Careers with Us Search ... E-mail this page to a friend Your browser does not support javascript. The page includes a script for emailing this site to a friend. If you find this site useful, consider emailing a link to http://www.socialsecurity.gov/ to a friend Compliments Suggestions Complaints Sunday Sep 25, 2005 11:30:13 Last Updated Thursday Sep 22, 2005 16:03:47 Questions about: Choose Subject Benefits Change of Address Checks and Payments Disability Earnings and Employment Fees for Representatives Forms and Publications Government Pension Rules Hearings and Appeals International Issues Internet Benefit Claims Law and Regulations Medicare Online Transactions Prisoner Rules Retirement Planners Service to the Public Social Security Administration Social Security Statement

186. List Of Retirement Terms Registered retirement Savings Plan Contribution RRSP Contribution Registeredretirement Savings Plan Deduction - RRSP Deduction Remainder Man http://www.investopedia.com/categories/retirementplanning.asp

Categories: Acronyms Bonds Buzz Words Mutual Funds ... Corporate Retirement 401(k) Plan 403(b) Plan 457 Plan 529 Plan ... Will Variation Free Investors Kit Get your FREE Options Investing Kit Now! Investors Depot Term Directory: A B C D ... Follow Warren Buffett Site Stuff: Advertising Tell-A-Friend Contact Us Link To Us ... Jobs Newsletter: "The #1 Way to Learn about Investing" More Information Investopedia Inc.

187. Common Questions About Retirement Plans We offer some solutions for the individual taxpayer as well as the small businessowner. http://www.investopedia.com/articles/retirement/05/commonquestions.asp

Chalk Talk Basics Stocks Options/Futures ... Contact Us Common Questions About Retirement Plans By Denise Appleby, CISP, CRC, CRPS, CRSP, APA Contact Denise August 3, 2005 Printer friendly version Understanding the contribution limits and tax issues that affect your retirement plans can help you not only avoid costly mistakes but also take advantage of available benefits. In most cases, individuals are well advised to consult with a competent tax professional to determine benefits that may apply to their particular situations. Here we address common questions asked by business owners and those operating employer-sponsored retirement plans, as well as questions that pertain to the individual taxpayer. (Remember, though, to consult with your tax professional should you need more specialized assistance.) Employee With A Business Question I work for a corporation that provides a 401(k) plan in which I participate. But I also provide consulting services on the side. Can I establish a retirement plan for my consulting business, and if so, how are contributions to the plan affected by my participation in my employer's retirement plan? Answer You can establish a retirement plan for your business if your only affiliation with your employer is that you work for the company and have no ownership in the company. Contributions to the plan established for your consulting business are not affected by contributions made to your employer's 401(k) plan, but there is one exception. The exception applies to

188. Tax Law Changes For Qualified Retirement Plans And IRAs - 401k Plans - Phoenix W Tax law changes in 2001 affect employersponsored retirement plans such as IRAs,401k plans, 403b plans, profit sharing, money purchases, defined benefits, http://www.phoenixwm.phl.com/webapp/wmWebApp/html/taxlaw/

Major tax laws enacted in 2001 and 2003 made sweeping changes to tax rates on capital gains and dividends as well as to regulations governing employer-sponsored retirement plans. Those include 401(k), 403(b), profit-sharing, money purchase, defined benefit, SEP and SIMPLE plans and IRAs. Highlights Tax rates on capital gains and dividends have been reduced through 2008 Increased annual contribution limits and "catch up" provisions for qualified retirement plans Tax credits for some small employers who set up qualified retirement plans Limited relief from early withdrawal penalties from qualified retirement plans What's New Consult our list of answers to frequently asked questions about IRA rollovers to help clients organize their retirement planning. Stay Tuned Both the 2003 and 2001 tax acts include expiration dates for new rates and provisions. No matter what the future holds, though, the potential for further changes in the law should not deter you from taking advantage of benefits currently available. The information presented on this site is not intended to render any legal, accounting or other professional advice. If legal advice or other expert assistance is required, the services of a competent professional should be sought.

189. Welcome To Fidelity Investments The nation s largest mutual fund company; leading provider of financial services;investment management; retirement and brokerage services. http://www.fidelity.com/

190. Retirecanada.miningco.com/ Retire on Your Terms as employer retirement plans, individual retirement accounts and annuities.If your employer doesn t have a pension or retirement plan, ask that one be http://retirecanada.miningco.com/

191. Canada's Retirement Income System - Table Of Contents No matter what your vision for retirement is, you need to plan now for yourretirement income. Where will your retirement income come from? http://www.sdc.gc.ca/asp/gateway.asp?hr=/en/isp/common/ris/ristoc.shtml&hs=cpr

192. ICMA-RC: Building Retirement Security - ICMA-RC An independent, nonprofit provider of integrated retirement and investmentadvisory services for government organizations. http://www.icmarc.org/

User ID Password Help Account Access Request an Initial Password Forgot Your Password? ICMA-RC: Building Retirement Security Individuals Manage your account Plan for your retirement Learn about retirement savings plans Plan Sponsors Administer an ICMA-RC plan Establish a new retirement savings plan Keep up with regulatory and legislative changes News from ICMA-RC Consultants Information Annual Report Career Opportunities ... Important Legal Information

193. Determining Retirement Needs If you worked for an employer that has an employee retirement plan, you may beentitled to Here is our average couple that plans to retire in 15 years. http://www.ameritrade.com/education/html/encyclopedia/tutorial6/

Introduction I: STOCKS II: SECURITY ANALYSIS AND RESEARCH III: DEBT SECURITIES IV: MUTUAL FUNDS V: INVESTMENT STRATEGIES VI: RETIREMENT PLANNING Determining Retirement Needs 401(k) plans 403(b) plans Individual Retirement Accounts (IRAs) The Roth IRA ... Special Types of Individual Retirement Accounts In this tutorial, you will learn how to go about determining your retirement needs. You will learn the value of setting goals and cash flow management. You will also learn how to obtain valuable information about your Social Security Benefits and company retirement plan. This tutorial contains the following lessons: How Much Will You Need To Retire? What Are Your Current Needs? What Expenses Will You Have In Retirement? How Will Inflation Affect Your Retirement? ... Could This Be You? HOW MUCH WILL YOU NEED TO RETIRE? In order to answer this question, you must sit down and picture retirement in your own mind. Retirement means different things to different people. For some, retirement means being sufficiently financially independent to travel and relax 24 hours a day. Others may view retirement as a "career change." However you view retirement will help you determine how much you will need to retire. So let us help you paint that picture. Will your lifestyle change dramatically in your retirement vision? Or will you, like most persons, continue doing the things you currently do, trading "work" for leisure and volunteering? Will you incur more expenses in retirement for leisure and travel? Or will you prefer to spend more time with your children, grandchildren and family?

194. Understanding And Controlling Your Finances: 401(k) Value Calculator Expected retirement Age Enter the age at which you plan to retire. 65 is normal,but you might want to consider early retirement options. http://www.bygpub.com/finance/RetirementCalc.htm

Understanding and Controlling Your Finances Retirement Planning Calculator This calculator helps you to determine what sort of lifestyle you can expect to have during retirement, by showing you your 401(k) account balance both before and during retirement. The goal is to let you experiment with different savings amounts so that you can see what effect they will have on you during your years in retirement. Salary - Enter your current annual salary or annual wages here. If you are married enter the sum of both of your salaries. Contribution Percentage - Enter a percentage between 1% and 15% that represents the percentage of your income that you wish to withold into your 401(k) account. The witholding may not exceed 15%. Also, a person cannot contribute more than $9,500 to a 401(k) account in any year, so adjust this percentage to make sure that the total annual witholding does not exceed $9,500. If you are married, you can both save up to $9,500 for a potential total of $19,000. Match Percentage - If your company matches your contributions, enter the matching percentage it uses (for example, if your company matches 3% of your salary, enter 3 here). If your company does not match, enter zero. Pre-retirement Interest Rate - Enter the interest rate you expect to earn on your 401(k) account prior to retirement. To give you two ideas, current CD rates run between 5% and 6%, while the stock market has returned an average of 10% or so for many years. For 6%, enter 6 in the entry field. Typically you would invest more agressively prior to retirement and then move the money to less-risky investments after retiring.

195. Will ETFs Shift Into Retirement Plans? | Csmonitor.com Exchangetraded funds are becoming more popular as investors look for alternativesto traditional mutual funds. http://www.csmonitor.com/2005/0808/p16s01-wmgn.html

WORLD USA COMMENTARY LEARNING ... Text Edition Search: Special Offer: Subscribe to the Monitor and get 32 issues FREE! ShowAdDesktopAd("ad10246b", "728","90", "728X90A", "KEYWORD", "ffffff", ""); // > 'No interest' gains interest with British Muslims For investors with a conscience, options grow Dividing grandma's gift helps at tax time Uncle Sam's rich uncles overseas ... What is this? Tools and Guides Ethical investing Salary calculator Mutual Funds Quarterly - 2nd Qtr., 2005 50 largest US charities (PDF) Finance questions? We're prepared to help you find answers. E-mail Ethical Market Monitor Performance of the Domini Social Index 400 over the last 90 days. Show DJIA Hide DJIA Chart data by CSI Most-viewed stories: (for 09/24/05) Just hop in the car? Not so fast, says one French town. Why we buy salad shooters and breadmakers Oil industry braces for another blow After Gaza, some other settlers ready to move ... Before the oil runs out: the search for alternatives from the August 08, 2005 edition Will ETFs shift into retirement plans? By Evan Pondel When Darwin Abrahamson is asked how he'd like to invest his 401(k) plan, his answer inevitably is "in Exchange-traded funds" (ETFs).

196. Statefarm.com® | Employee Benefits Using your retirement plan. Perhaps the most important employee benefit isparticipation in a 401(k) plan or other Next Topic Types of retirement plans http://partners.financenter.com/statefarm/learn/guides/benefits/401kplans.fcs

Employee Benefits WZ("fc_benefit_ed_a") Using your retirement plan Types of retirement plans Benefits of compounding Using a cafeteria plan Stock-related compensation ... Paying taxes on benefits Using your retirement plan Perhaps the most important employee benefit is participation in a 401(k) plan or other deferred compensation retirement plan. Some employers require you to work for a minimum period before being allowed to participate in the plan. A 401(k) plan is the most common type of defined-contribution plan. With 401(k) plans, your employer deducts a portion of your income, before taxes, and deposits these contributions in an account in your name. Your contributions grow tax-deferred in the account until you begin to take out the money. Generally, you may begin to take distributions from a 401(k) or similar retirement plan, free of early-withdrawal penalties, when you reach age 59-1/2. For 2005, you may contribute up to the lesser amount of $14,000 or 100% of your compensation to a 401(k) or similar plans. These plans include 403(b) and 457 plans . Your employer may contribute an additional amount up to a combined total amount that is the lesser of $42,000 or 100% of your compensation.

197. Retirement Systems - North Carolina Department Of State Treasurer The retirement systems and benefits plans exist for the public purpose Supplemental retirement Income Plan Registers of Deeds Supplemental Pension Fund http://www.treasurer.state.nc.us/dsthome/RetirementSystems

Skip to navigation Skip to body Search Home Job Seekers Site Map Directions ... Printing Instructions Retirement Systems Division Contacting the Retirement System: Retirees, please call: 1-877-733-4191 (toll-free) 919-733-4191 (within local calling distance) Working employees, please call: 1-877-NCSECURE (toll-free) 919-807-3050 (within local calling distance) You can reach the Retirement System by email at nc.retirement@treasurer.state.nc.us The Retirement Systems Division administers the statutory retirement and fringe benefit plans that cover the State's public employees. The retirement systems and benefits plans exist for the public purpose of recruiting and retaining competent employees for a career in public service, by providing a replacement income for retirement, or for disability, or for an employee's survivors at time of death. The retirement systems are funded by contributions from both employees and employers. This Division administers retirement systems for teachers, State and local government personnel, law enforcement officers, and for judicial and legislative employees. This Division is also responsible for administration of the following programs: Firemen's and Rescue Squad Workers' Pension Fund Public Employees' Social Security Agency Disability Income Plan Legislative Retirement Fund National Guard Pension Plan Teachers' and State Employees' Benefit Trust Supplemental Retirement Income Plan Registers of Deeds' Supplemental Pension Fund Contributory Death Benefit for Retired Members

198. Transamerica Retirement Services A full range of retirement services, including 401(k) and profitsharing plans. http://www.ta-retirement.com/

Support you can count on. From comprehensive plan design and quality investments to effective employee education and guaranteed service, Transamerica Retirement Services has the tools and expertise to help you achieve the results you want. Find Out More Transamerica Retirement Services Provides Employers with a Guaranteed Blueprint for Increasing Participation. LOS ANGELES (August 17, 2005) – In response to a long-standing challenge in retirement planning, Transamerica Retirement Services (“Transamerica”) has announced a new program guaranteeing a 15 percent increase in plan participation for companies who move their retirement plans to Transamerica. More Transamerica Retirement Services Provides New Multimedia Retirement Tips for Plan Participants LOS ANGELES (March 9, 2005) – As part of its ongoing effort to increase retirement plan participation rates through educational initiatives, Transamerica Retirement Services (“Transamerica”) recently began offering retirement planning tips in the form of macromedia flash files .... More Terms and Conditions Home About TRS Contact Us ... Retirement Planning A comprehensive list of our innovative retirement products and service solutions.

199. Invest FAQ:Retirement Plans:401(k) This article from The Investment FAQ discusses retirement plans, specifically 401(k). http://invest-faq.com/articles/ret-plan-401k.html

Articles ..index ..previous ..next ..full text Browse ..the bookshelf Join ..the email list Surf ..invest links Tour ..for beginners ..for investors ..for traders About ..what is it? ..what's new? ..contributors ..contact info Search var cn="invfaq"; Subject: Retirement Plans - 401(k) Last-Revised: 9 Jun 2005 Contributed-By: Ed Nieters (nieters at crd.ge.com), David W. Olson, Rich Carreiro (rlcarr at animato.arlington.ma.us), Chris Lott ( contact me ), Art Kamlet (artkamlet at aol.com), Ed Suranyi, Ed Zollars (ezollar at mindspring.com), Rick Meigs A 401(k) plan is a retirement savings plan that is funded by employee contributions and (often) matching contributions from the employer. The major attraction of these plans is that the contributions are taken from pre-tax salary, and the funds grow tax-free until withdrawn. Also, the plans are (to some extent) self-directed, and they are portable; more about both topics later. Both for-profit and many types of tax-exempt organizations can establish these plans for their employees. Rules and regulations for 401(k) plans are established by the US tax Advertisement code. In fact, a 401(k) plan takes its name from the section of the Internal Revenue Code of 1978 that created them. The IRS says what can be done, but the operation of these plans is regulated by the Employee Benefits Security Administration of the U.S. Department of Labor. To get a bit picky for a moment, a 401(k) plan is a plan qualified under Section 401(a) (or at least we mean it to be). Section 401(a) is the section that defines qualified plan trusts in general, including the various rules required for qualifications. Section 401(k) provides for an optional "cash or deferred" method of getting contributions from employees. So every 401(k) plan already is a 401(a) plan.

200. Retirement Article, Taking advantage of employersponsored retirement plans Is this typeof plan a good way to save for retirement? http://www.360financialliteracy.org/Life Stages/Retirement/

Life Stages Childhood College Career ... Contact Us More than ever before, Americans need to take responsibility for saving for retirement. Whichever savings vehicles you choose—from 401 (k) plans to mutual funds to annuities—it’s never too early to begin preparing you for your Golden Years. Articles Annuities Annuities and retirement planning Assets Asset protection in estate planning Beneficiary designations Choosing a beneficiary for your IRA or 401(k) Charitable giving Charitable giving Estate planning basics Estate planningan introduction Facing the possibility of incapacity Gift and estate taxes Trust basics ... Willsthe cornerstone of your estate plan Health care issues Health insurance in retirement Medicare Understanding long-term care insurance Housing issues Housing options for older individuals Your home as a source of dollars in retirement Investments Asset allocation Can I afford to send my child to college? Common investment goals Creating an investment portfolio ... Understanding risk Life insurance Life insurance and estate planning Medicaid planning Medicaid and nursing home care Medicaid and the principal residence Medicaid planning basics Medicare and Medicaid Health insurance in retirement Medicaid and nursing home care Medicaid and the principal residence Medicaid planning basics ... Medicare Probate Bypassing probate Understanding probate Saving for retirement Annuities and retirement planning Borrowing or withdrawing money from your 401(k) plan Closing a retirement income gap Estimating your retirement income needs ... What to do after you've been automatically enrolled in your company's retirement plan Social Security

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