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Tax Sheltered Annuities, Supplemental Retirement Plans (403b) & Investments

A tax-deferred annuity is a voluntary program adopted by employers to help their employees plan for retirement. Your tax-deferred annuity (403b) is one of the best optional retirement funding vehicles available today.

How does it work?
Through payroll deduction, pre-tax dollars are invested in the account of your choice, reducing your current taxable income. Investment earnings accumulate and compound on a tax-deferred basis until you retire. The limit for deferral is currently $17,500 for employees under age 50 and $23,000 for employees age 50 and older.  In 2015, these deferral limits will increase to $18,000 for employees under age 50 and $24,000 for employees age 50 and older.

Plan Administrator Signature
Employers are required to administer plans with control and oversight. One component of this control requires employers to act as Plan Administrators and sign all transactions with vendors for loans, hardship withdrawals, rollovers, and transfers for current and past employees. In the past, no Plan Administrator signature was necessary. Current and previous SIUE employees, and in some cases their beneficiaries, need the employer's signature to complete these transactions.

DOWNLOADS
SIUE SUPPLEMENTAL RETIREMENT (403b) PLAN SUMMARY Word Document
SIUE SUPPLEMENTAL RETIREMENT (403b) PLAN pdf
SUPPLEMENTAL RETIREMENT PLAN SALARY REDUCTION AGREEMENT FORM (403b) pdf
PRIOR SUPPLEMENTAL RETIREMENT PLAN VENDORS (403b)

Please contact the representatives listed below for prospectuses and necessary forms.

AXA EQUITABLE
Ryan A. Brown, CFP®
Evergreen Wealth Strategies
807 West Highway 50, Suite 6
O'Fallon, IL 62269
Phone: 618/628-3400
Fax: 618/624-8397
Cell: 618/670-8350
Email: rbrown@evergreenstl.com
Website: www.evergreenstl.com
Electronic Brochures:
AXA Group Variable Annuity Investment Portfolio Expenses Chart pdf
AXA Group Variable Annuity Investment Flyer pdf
AXA Group Variable Annuity Fact Card pdf
AXA Group Variable Annuity Brochure pdf

Mass Mutual Life Insurance Company
Peggy L. Klostermann-Elliott, ChFC
Silver Creek Financial
1412 Broadway
Highland, IL 62249
Phone: 618/651-9800, Ext. 23
Email: pelliott@silvercreekfin.com
Electronic Brochures:
Advantages of a TSA pdf
An Educational Guide for TSA Participants pdf
About Peggy L. Klostermann Elliott pdf

Teachers Insurance & Annuity Association (TIAA-CREF)
Jim Pinkston
Consultant Individual Client Services
211 North Broadway, Suite 1000
St. Louis, MO 63102
Phone: 314/763-6704
Fax: 314/244-5215
Email: jpinkston@tiaa-cref.org
Website: tiaa-cref.org/moc
Electronic Brochures:
Roth Contributions (403b) pdf Available Soon
Your Guide to Tax Deferred Annuities pdf

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