403(b) And ROTH 403(b) Approved Vendors VOYA - 403(b) And ROTH 403 (b)
403(b) and ROTH 403(b)Approved VendorsPlease review your Employment Agreement or Contract for participation & district match eligibility.Never provide personal information via email; use caution when providing it via voicemail.VOYA - 403(b) and ROTH 403 (b)Capital Street Financial ServicesOffice: (651) 665-4300Daniel Rickets, Financial AdvisorToll Free: (800) 728-014485 East 7th Place, Suite 275Fax:651-665-0121St. Paul, MN 55101Email: drickett@capitalstreet.bizVALIC- 403(b) and ROTH 403 (b)VALIC Financial Advisors, Inc.Office: (952) 838-7800Jeffrey Lehman, ChFCMobile: (763) 439-71807650 Edinborough Way, Suite 320National Office: (800) 892-5558Edina, MN 55435Fax:(952) 838-3898Email: jeffrey.lehman@valic.comEducators Financial Services, Inc. - 403(b)Joseph Batkiewicz, Financial AdvisorDavid Wolfe, Financial Advisor41 Sherburne Ave11599 Robinson Dr. NWSt. Paul, MN 55103Coon Rapids, MN 55433Office: (651) 767-1284Office: (763) 789-4010Fax:Fax:(651) 292-4815Email: joebat@efsadvisors.com(763) 706-3955Email: davidw@efsadvisors.comThe Minnesota Deferred Compensation (457) plan information is available at: www.mndcplan.com
403(b)/457(b) Administration &Compliance Service (ACS)403(b)/457(b) PlanTransaction Processing KitThis Kit is for Representatives of Investment Providers and/or Employeesthat are self-directing their 403(b) investmentsACS PLUS Service OptionUpdated April 2, 2011Educators Benefit Consultants3125 Airport Parkway, N.E.Cambridge, MN 8Fax: 763-689-6685
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Procedures for Exchanges, Transfers, and RolloversThere are Three Ways You can Move 403(b) Funds .TypeUniversalVendorAgreement(Equivalent ofISA)TransferMove funds from one plan intoanother.ProcedureRepresentative is defined as the investmentprovider’s local representative or the employee ifthe employee is self administering his/her 403(b)Plan.1.Representative shall complete forms,provided by investment company, tomove the funds.2.Representative shall complete the“Transaction Processing Form” alongwith forms from the investmentcompany, and submit to EBC forsignature.3.EBC shall provide Representative withcopy of UVA signed by the companythat is receiving the funds.4.EBC shall return signed copy of form toRepresentative via mail or fax.5.Representative shall submit paperworkto appropriate investment provider.6.EBC shall enter transaction into the ACSfor tracking purposes.1.Representative shall completeappropriate forms, provided byinvestment company, to roll funds.2.Representative shall complete the“Transaction Processing Form” alongwith forms from the investmentcompany, and submit to EBC forsignature.3.EBC shall sign forms and return toRepresentative.4.If required, EBC shall provideRepresentative with copy of UVA signedby the investment company that isreceiving the funds.5.Representative shall submit paperworkto appropriate investment provider.YESExample Transfer funds fromprevious employer’splan to currentemployer’s plan Transfer funds frominactive vendor toactive/approved vendorExchangeMove funds within the sameplanYESExample:Move funds between productproviders on employer’sapproved vendor listRollover(e.g., moving funds from403(b) to IRA)A rollover shall only occur as aresult of a qualifying event. Aqualifying event includes anyone of the following: Termination ofEmployment/Separationfrom Service Death Disability Age 59 ½NOHowever, somevendors still insistan ISA be signed.
6.1.In-Service DistributionNOMust have a qualifying event Age 59 ½ Disabled DeathHowever, somevendors still insistan ISA be signedEBC shall enter transaction into the ACSfor tracking purposes.Representative shall completeappropriate forms for withdrawalprovided by investment company.2.Representative shall complete the“Transaction Processing Form” alongwith forms from the investmentcompany, and submit to EBC forsignature.3.EBC shall sign and return toRepresentative.4.Representative shall submit paperworkto appropriate investment provider.5.EBC shall enter distribution into theACS for historical purposes.Procedures for Loans and Hardship WithdrawalsTypeProcedureRepresentative is defined as the investment provider’slocal representative or the employee if the employeeis self administering his/her 403(b) Plan.LoanLoans are optional. The District will establishthrough the District’s Written Plan andAdoption Agreement whether Loans areallowed or disallowed in the District’s Plan.If allowed .The District does not determine whether anemployee qualifies for a loan or not. Thatdecision is made by the Product Provider andEBC.Loan Rules:If an employee has defaulted on a loan fromany retirement plan or deferred compensationarrangement sponsored by the Employer andhas not repaid the loan, in full, the employeeshall not be permitted to take a loan fromhis/her Account.Maximum Loan Amount1. Representative completes loan applicationprovided by the investment provider.2. Representative shall complete the“Transaction Processing Form” along withforms from the investment company ALONGWITH AN ACCOUNT STATEMENTSHOWING FUND BALANCE and submit toEBC for Signature.3. If no outstanding loans, EBC shall sign andreturn to Representative.4. Representative shall submit loan applicationto investment provider.5. EBC shall enter loan information into theACS software system.
50,000 reduced by any outstanding balanceon any loan; OR, one half of the value of theparticipant’s vested account balance.Hardship WithdrawalHardship Withdrawals are optional. TheDistrict will establish through the District’sWritten Plan and Adoption Agreementwhether Hardship Withdrawals are allowed ordisallowed in the District’s Plan.If allowed.The District does not make a determinationwhether an employee qualifies for a HardshipWithdrawal or not. That decision is made bythe Product Provider and EBC.1. Representative completes a HardshipWithdrawal Application provided byinvestment provider.2. Representative must complete EBC’s“Hardship Withdrawal Processing Form” andcomplete the “Transaction Processing Form”(both are provided in this kit) along withforms from the investment company andsubmit to EBC for signature.3. If hardship is approved, EBC shall sign andreturn to Representative.4. Representative shall submit HardshipWithdrawal Application to provider.5. EBC informs District Administrator thatemployee and employer contributions intothe 403(b) Plan are suspended for 6 months.6. EBC shall enter Hardship Status into the ACSsoftware system.
Educators Benefit Consultants403(b)/457(b) Administration and Compliance ServiceTRANSACTION PROCESSING FORMName of RepresentativeAttach Business CardORAddressPhone NumberName of Plan Sponsor (School District)Please check box that indicates nature of transaction Exchange TransferClient Name / SSN RolloverReleasing Carrier Hardship WithdrawalAccepting Carrier Loan Amount walIn-Service Distribution Distribution due to termination/retirementPlease complete this form and send along with necessary transactions documents to EducatorsBenefit Consultants for signature.Educators Benefit ConsultantsACS Division3125 Airport Parkway, N.E.Cambridge, MN 55008EBC will sign and attach copy of UVA and return to you so you maysend to appropriate investment provider.For EBC Use OnlyCopy of Universal Vendor Agreement (UVA) is only required for an exchange, transfer,and in some cases a rollover transaction. Attach copy of UVA signed by the investmentprovider that is receiving the funds.Attached:Yes NoInitials:Date:
3125 Airport Parkway, N.E.Cambridge, MN 55008Metro: 763-552-6053Toll-free: 1-888-507-6053HARDSHIP WITHDRAWAL PROCESSING FORMBefore you apply for a hardship withdrawal you must first determine whether you are eligible for ahardship distribution or not.Please read the “Rules Applicable to Hardship Distributions” on the back of this form.If you determine that you are eligible for a hardship withdrawal, please check appropriate boxes and signthis form. Make sure you attach documentation that proves and/or supports your financial need. You willalso need to complete the hardship distribution form provided by your investment provider.1I have reviewed the attached “Rules Applicable to Hardship Distributions” and attest that I have animmediate and heavy financial need.The immediate and heavy financial need falls into the following category (you may check more than oneif it applies):Medical CareFuneral or Burial ExpensesPurchase of Principal ResidenceRepair of Damage to Principal ResidenceTuition or Educational RelatedTax Cost Associated with this WithdrawalPrevent Eviction or ForeclosureI have reviewed the list of “Other Financial Resources” demonstrated in the Treasury Rules, and disclosedto me on the back of this form; none of those resources are available to me.I have read, and I understand the meaning of the information provided to me in this “HardshipWithdrawal Processing Form”, and I attest that my answers on this form are true and correct, and I haveattached supporting documentation to prove my claim of a heavy and immediate financial burden (e.g.,medical bills, eviction or foreclosure notice, tuition bill, purchase agreement, burial or funeral bill, etc.).I hereby request a hardship withdrawal this day of 20 .Participant’s Signature1Spouse’s SignatureThis paperwork should be obtained from your investment company or registered investment advisor. Thispaperwork will need to be completed and submitted to EBC for signature.
Rules Applicable to Hardship DistributionsA hardship distribution shall only be approved based on participant’s ability to prove that therequest for the hardship distribution is on account of an immediate and heavy financial need andthat the withdrawal is necessary to satisfy the financial need.Other Financial ResourcesA hardship withdrawal can not be approved if the need may be relieved from other resourcesreasonably available to the employee. Other resources listed in the Treasury rules are: Assets of the employee’s spouse and minor children that are reasonably available tothe employee (for example a vacation home owned by the employee and theemployee’s spouse, whether as community property, joint tenants, tenants by theentirety, or tenants in common).Through insurance paymentBy liquidation of employee’s assetsBy cessation of elective contributions to the employee’s 403(b) PlanBy borrowing from commercial sources on reasonable termsBy taking a loan from the 403(b) or any other available plan maintained by theemployer (e.g., 457 Plan)Expenses That Could Qualify Under The Treasury Rules Are As Follow: Medical careCosts related to the purchase of a principal residence for the employee—notmortgage paymentsTuition, related educational expenses, and room and board for up to the next 12months of post-secondary education for the employee, the employee’s spouse,children or legal dependents.Payments necessary to prevent the eviction of employee from principal residence orforeclosure on the mortgage of principal residenceFuneral or burial expenses for the employee’s deceased parents, spouse, children ordependentsRepair of damage to the employee’s principal residence that would qualify for thecasualty deduction under section 165The hardship distribution must not exceed the amount of the financial need. Theamount may include the federal, state, or local income tax or penalties that are aresult of the distribution.It is the burden of the employee to prove that he/she is in a hardship status according to theTreasury Department’s rules.
Salary Reduction Agreement for 403(b)/403(b) Roth/457 TSA with MatchIndependent School District # 13Columbia Heights Public Schools1440 49th Ave. NEColumbia Heights, MN 55421Part 1. Employee Information (please print)NameEmployee #Pay periods per year24Requested Start DateOccupationPart 2. Contribution Information (fill in all that apply.)Salary ReductionEmployeeService ProviderTypeNewChangeBirth DateStop(See list of allowedTSA companies)Salary ReductionAmount/PercentPer Pay PeriodContributionAnnualized SalaryReduction AmountEmployer MatchEmployerMatch/Percentper Pay PeriodAnnualizedEmployer Match403(b)403(b)403(b)Roth403(b) Totals457457Grand TotalsPart 3. Catch Up ProvisionsIf you are contributing more than the basic limit to a 403(b), 403(b) Roth and/or 457, you must be using one (or both) of the following: I am contributing using the 15-years service election. (Attach documentation). I am contributing using the Age 50 and older catch up election.By signingthis Agreement, Employee agrees to modify his/herPart4. Agreementsalary as indicated above and Employer agrees to contribute thisamount on Employee’s behalf into the 403(b)/403 Roth/457annuity(ies) or custodial account(s) selected by the Employee. It isintended that the requirements of all applicable state and federal taxrules and regulations (Applicable Law) will be met. The Employeeunderstands and agrees that this Agreement:1. Is legally binding and irrevocable with respect to amounts paid oravailable while it is in effect;2. May be terminated at any time for amounts not yet paid oravailable, and that a termination request is permanent and remains ineffect until a new salary reduction agreement is submitted;3. Is effective only for amounts not yet earned or made available inaccordance with the Employer’s administrative procedures.Employee further agrees that:He/she is responsible for determining that his/her salary reductionamount does not exceed the limits of the Applicable Law;He/she is responsible for the accuracy of the information provided byEmployee, which is used in determining Employee’s MaximumAnnual Contribution limit; and Employer has no liability for anylosses suffered by Employee that resulted from his/her participation inthe 403(b)/403(b) Roth/457 program.Employee acknowledges that Employer has made no representation toEmployee regarding advisability, appropriateness or tax consequencesof the purchase of the 403(b) program. Nothing herein shall affect theterms of employment between Employer and Employee.This agreement supersedes all prior salary reduction agreementsand shall automatically terminate if your employment with theEmployer is terminated.Note: Your employer’s administrative policies will determine when 403(b)/403(b) Roth/457 salary reduction instructions are implemented
Important InformationPart 5. Employee Signature1. Employer does not choose the annuity contract(s) orcustodial account(s) in which contributions are invested.2. Employees are responsible for setting up and signing thelegal documents to establish the annuity contract orcustodial account. However, in certain group annuitycontracts, Employer may be required to establish thecontract.3. In order to receive the expected tax results, Employeesare responsible for investing in annuity contracts orcustodial accounts that meet the requirements of Section403(b)/403(b)/457 in the Internal Revenue Code.4. Employees are responsible for naming a death benefitunder the 403(b)/403(b) Roth/457 program. This isnormally done at the time the annuity contract or custodialaccount is established. Beneficiary designations should bereviewed periodically.5. Employees are responsible for all distributions and anyother transactions with their service provider. All rightsunder the annuity contracts or custodial accounts areenforceable solely by the Employee, Employee Beneficiaryor Employee’s Authorized Representative. Employee mustwork directly with the service provider to transfercontract(s) or custodial accounts(s) to another serviceprovider, begin distributions, make loans, or otherwiseaccess 403(b)/403(b) Roth/457 program assets.6. Employees are responsible for determining that salaryreductions do not exceed the allowable contribution limitsunder Applicable Law. Limits should be checked each yearfor the scheduled increases through 2011.I certify that I have read this complete Agreement and thatmy salary reductions do not exceed contribution limits asdetermined by Applicable Law. I also certify that I ameligible for the catch up election(s), if selected, under Part 2above. I understand my responsibilities as an Employeeunder the 403(b)/403(b) Roth/457 programs, and I requestEmployer to take the action specified in this Agreement. Iunderstand that all rights under annuity(ies) or custodialaccount(s) established by me under the 403(b)/403(b)Roth/457 program are enforceable only by me, mybeneficiary or my authorized representative.Employee SignatureDatePart 6. Acknowledgement and Representative ofSales Agent/RepresentativeI hereby acknowledge my responsibility to comply withEmployer’s written directives regarding solicitation ofEmployees. I also acknowledge my responsibility to assistthe Employee in determining the maximum contributionlimits.Sales Agent/Representative (please print clearly)PhoneRead Before You Sign:By signing this Agreement, you are declaring that theamount you have elected to withhold does not exceed theallowable contribution limits under Applicable Law. Ifselected in Part 2 above, you are declaring that you areeligible for one or both of the catch up elections asindicated. And you are accepting full responsibility for theamount you have elected to have withheld from your salaryand contributed to the 403(b)/403(b) Roth/457 arrangement.Disclaimer – Other Fees:If an investment company does not agree to pay the thirdparty administrator’s fee associated with this employer’s403(b) Plan the fee, upon consent of the employer, shall bepassed along to the 403(b) participant. This fee equates to.60 cents per participant per month.AddressSignatureDatePart 7. Employer SignatureEmployer hereby agrees to this Salary ReductionAgreement.Signature of Employer RepresentativeDateDate Received in HRDate Received in Payroll
VALIC- 403(b) and ROTH 403 (b) VALIC Financial Advisors, Inc. Office: (952) 838-7800 Jeffrey Lehman, ChFC Mobile: (763) 439-7180 . By taking a loan from the 403(b) or any other available plan maintained by the employer (e.g., 457 Plan) Expenses That Could Qualify Under The Treasury Rules Are As Follow:
VALIC- 403(b) and ROTH 403 (b) VALIC Financial Advisors, Inc. Office: (952) 838-7800 Jeffrey Lehman, ChFC Mobile: (763) 439-7180 7650 Edinborough Way, Suite 320 National Office: (800) 892-5558 . self administering his/her 403(b) Plan. Loan Loans are optional. The District will establish through the District's Written Plan and
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Initial Value of IRA: 200,000 Convert in 2014 to Roth IRA A Traditional IRA may be converted to a Roth IRA, but income taxes are generally paid on the taxable amount of the Traditional IRA converted to Roth IRA. In exchange, qualified distributions from the Roth IRA are received income tax-free. Traditional IRA No Conversion Taxes Roth IRA
Initial Value of IRA: 200,000 Convert in 2018 to Roth IRA A Traditional IRA may be converted to a Roth IRA, but income taxes are generally paid on the taxable amount of the Traditional IRA converted to Roth IRA. In exchange, qualified distributions from the Roth IRA are received income tax-free. Traditional IRA No Conversion Taxes Roth IRA
Rollover of ROTH 401(k)/403(b) account balance to a ROTH IRA. Rollover of ROTH deferrals to another 401(k), 403(b) or governmental 457 plan's ROTH elective deferral account This direct rollover is for (please check one): Total Vested Balance OR Specific Amount Account Information:
403-1 Occupational health and safety management system 403-2 Hazard identification, risk assessment, and incident investigation 403-3 Occupational health services 403-4 Worker participation, consultation, and communication on occupational health and safety 403-5 Worker training on occupational health and safety 403-6 Promotion of worker health
Implication zootechnique du menthol cristallisé comme additif. alimentaire chez le poulet de chair. E. AZEROUAL. 1, M. OUKESSOU. 2, K. BOUZOUBAA. 2, A. MESFIOUI. 1, B. BENAZZOUZ & A. OUICHOU (Reçu le 15/04/2012; Accepté le 18/06/2012) Résumé. Le menthol est utilisé pour ses vertus aromatiques, culinaires, cosmétiques et médicinales. Chez l’homme, il est employé contre les . troubles .
