NextGen 529 Client Select Series Investment Guide - Merrill
NextGen 529 Client Select Series Investment Guide Age-based Portfolios Diversified Portfolios Single Fund Portfolios Stable Principal Portfolios
Age-based Portfolios Diversified Portfolios Single Fund Portfolios Stable Principal Portfolios NextGen 529 Client Select Series Investment Guide NextGen 529 is a Section 529 plan that offers you a tax-advantaged way to invest for a child’s education expenses.1 The NextGen 529 Client Select Series gives you the ability to customize your investments among a broad array of portfolio options offered by several investment managers. This Investment Guide can help you better understand the types of portfolios available. Age-based Portfolios - Page 3 Diversified Portfolios - Page 4 Single Fund Portfolios - Page 8 Stable Principal Portfolios - Page 9 T hese portfolios offer an investment strategy based on your child’s age and when you’ll need the assets to pay for his or her education. These portfolios have a specific investment objective, such as growth or income, and their allocation does not automatically change over time. These portfolios seek to retain your principal. When your child is younger, the funds are invested most aggressively and as your child gets closer to college age, the strategy automatically shifts to invest in more conservative investments. When to consider: If you’d like to build a strategy aligned to your specific investment needs. These portfolios invest in one underlying investment, allowing you to customize your allocations based on the range of underlying investments. Available investment managers: BlackRock, iShares, Franklin Templeton and MFS. When to consider: If you don’t want to actively manage your investments. Available investment managers: BlackRock, iShares, Franklin Templeton and MFS. When to consider: If you want to customize your asset allocation with the selected investment portfolios. Available investment managers: American Century, BlackRock, iShares, Franklin Templeton, Lord Abbett, Mainstay, MFS and Neuberger Berman. When to consider: If you have a lower risk tolerance or are nearing the time you need to pay for qualified highereducation expenses. These portfolios are designed as an option for investors whose primary objective is protection of principal. Available portfolios: Principal Plus and NextGen Savings. NextGen 529 can play an important role in helping you and your family invest more for a higher education. To learn more, call your Maine Distribution Agent or visit nextgenforme.com. There can be no assurance that the strategy of any portfolio will be successful. This brochure provides general information about portfolios offered by the sub-advisors to the plan. The portfolio target allocations listed in this brochure are current as of October 28, 2019, and are subject to change. TM NextGen 529 Client Select Series Investment Guide 2
Age-based Portfolios Diversified Portfolios Single Fund Portfolios Stable Principal Portfolios Age-based Portfolios The target age for these funds is the approximate date when an investor plans to start withdrawing the assets from their account. The principal value of these funds is not guaranteed at any time, including at the target date. These funds are designed to become more conservative over time as the target date approaches. Asset allocation and diversification do not ensure a profit or protect against loss in declining markets. The pie charts on this page show the percentage of the portfolio invested in each category (i.e. Domestic Equity). More aggressive investment style 2.25 7.75 9 48 33 5.25 14.75 41.5 8 0–1 Year 9 47.91 30 41.58 8 7 30.42 5 28.5 2–4 Years 66.5 0–6 Years 5 25.5 65 0–2 Years 25 52.5 59.5 12–13 Years 50 21.62 25 8–11 Years 30 60.5 3–5 Years n International Equity (%) 3 45.5 56 21 6–7 Years 2 16 Years 20.44 16.6 59.99 12–13 Years 14–15 Years 10 38.5 37.5 13–14 Years 5 5 17 8–9 Years n Alternative Investment (%) 30 1 13 10–11 Years 7.75 38.75 63 1 52.75 47.25 48.75 50 2.5 17 Years 18 Years 19 Years 5.85 3.250.9 11.9 6.37 1.74 79.99 100 90 16 Years 17 Years 18 Years 12.5 15 17.5 31.5 45 52.5 13.5 15 Years 40 24.5 10.5 16 Years 55 46 10.4 3 70 15.57 12 6.25 1.75 22.25 4 16.5 51 4 5 5 25 15.75 7 16.5 12.25 10.5 3 50.75 14–15 Years 7.5 11–12 Years 5 15 43.5 23.38 19.5 9–10 Years 55 25.5 29 6 22.5 7–8 Years 4 40 5.5 20.25 11 5 5 15 21.75 25 8–11 Years 28.27 23.25 39 6 34.73 5–7 Years 11 29 31 28.25 5–7 Years 20 0–1 Year n Domestic Equity (%) 7 9 34.75 21.5 2–4 Years 10 33.09 30 8.5 30.5 More conservative investment style Risk 10 31 39 50 11 12–13 Years 9 14–15 Years n Investment Grade Fixed Income (%) 17.5 7.5 10.5 4.5 19 Years 5.25 18.75 2.25 20 67.5 73.75 80 17 Years 18 Years 19 Years 20 Years 12.5 15 19 20 60 55 25 7.5 16 Years 15 6 60 17 Years n Non-Investment Grade Fixed Income (%) 5 60 18 Years n Cash Allocation Account (%) NextGen 529TM Client Select Series Investment Guide 3
15% 15% 43% 43% 6.75% 10% 25% 25% 15% 15% Diversified Portfolios Age-based Portfolios 35% 35% 10% 10% 52.5% Stable Principal Portfolios 52.5% 38.75% 51.25% Single Fund Portfolios 22.5% 22.5% 56% 56% 37.5% 37.5% 16.5% 16.5% 29.25% BlackRock Diversified Portfolios 5% 5% 10% 19.25% 38.25% 38.25% 30% 30% 30% 30% 7.5% 7.5% 51.25% 51.25% FixedIncome Income EQUITY Fixed 33 FIXED INCOME 6.75% 6.75% 18.25% 18.25% 38.75% 38.75% Equity Equity 75%EQUITY EQUITY 75% 10% 10% 38.2 7.5% 6% 9% 6% 9% 100%EQUITY EQUITY 100% 18.25% 38.5% 38.5% 65% 65% 29% 38.96% 51.75% 70% 70% 51.0 29.25% 29.25% 100% Equity 75% Equity n 51.25% Domestic Equity FIXEDINCOME INCOME FIXED n 38.75% International Equity n 10% Alternative Investment n n n n n 19.25% 19.25% Domestic Equity Basic Value Fund 51.75% 51.75% 29% 29% Capital Appreciation Fund Equity Dividend Fund Large Cap Growth Fund 51.25 5.75 38.25% 29.25% 7.5% 18.25% 6.75% Domestic Equity EQUITY EQUITY International Equity Alternative Investment Investment10% Grade 10% Fixed Income Non-Investment Grade Fixed Income Domestic Equity 38.96% 38.96% Basic Value Fund 5.25 Capital Appreciation Fund 10.5 Equity Dividend Fund 11 Fixed Income n n n 20% 20% 38.25 51.04% 51.04% 4.25 4 8 Large Cap Growth Fund 51.75% Investment Grade Fixed Income CONSERVATIVE MIXED 2 FIXED MIXED INCOME CONSERVATIVE 29% Non-Investment Grade Fixed Income 19.25% Cash Allocation Account 8.25 Growth 5% 15% 15% 20% 5% 5% Investment Grade Fixed Income Inflation Protected Bond Fund Low Duration Bond Fund 60% 60% Total Return Fund 51.75 5.5 80% 27.25 Non-Investment Grade Fixed Income 29 14.75 iShares S&P 500 Index Fund2 Small Cap Core Fund FIXEDINCOME INCOME2 2 FIXED Small Cap Growth Fund 3.25 2.25 0.75 Small Cap Core Fund Growth Growth Small Cap Growth Fund High Yield Bond Portfolio 20 Domestic Equity (%) International Equity (%) Strategic Income Opportunities Portfolio 9 0.5 Cash Allocation Account 38.75 International Equity 29.25 International Equity 5% 5% International Fund 9.75 International Fund 9.75 iShares MSCI Total International Index Fund 19.25 Advantage International Fund 28.5% 28.5% iShares MSCI Total International Index Fund 20% 20% Advantage International Fund Alternative Investment Real Estate Securities Fund 80% 80% 10 Alternative Investment 10 Real Estate Securities Fund 66.5 19 iShares S&P 500 Index Fund2 11 28.5% Alternative Investment (%) 19.25 7.25 66.5% 66.5% Investment Grade Fixed Income Inflation Protected Bond Fund 7.25 14.75 7.5 7.5 18.25 2.75 Low Duration Bond Portfolio 9 DomesticEquity Equity(%) (%) International InternationalEquity Equity(%) (%) Alternative AlternativeInvestment Investment(%) (%) Investment InvestmentGrade GradeFixed FixedIncome Income(%) (%) Non-Investment Non-InvestmentGrade GradeFixed FixedIncome Income(%) (%) Cash CashAllocation AllocationAccount Account(%) (%) Domestic Total Return Fund 6.5 Non-Investment Grade Fixed Income Asset allocation and diversification do not ensure a profit or protect against loss in declining markets. 6.75 High Yield Bond Portfolio 4.5 Strategic Income Opportunities Portfolio 2.25 NextGen 529TM Client Select Series Investment Guide 4
6.75% 18.25% 5% 10% 19.25% 38.25% Age-based Portfolios 30% Diversified Portfolios 51.75% 65% 29% 7.5% 20% 30% Single Fund Portfolios 70% 51.04% 60% 29.25% EQUITY CONSERVATIVE FIXEDMIXED INCOME 2 10% 38.96% 51.04% 60% Equity Fixed Income n 51.04% n 38.96% n 10% n 80% n 20% al Equity (%) 28.5% 66.5% 80% Domestic Equity (%) International Equity (%) Investment Grade Fixed Income Non-Investment Grade Fixed Income Domestic Equity Growth International Equity Alternative Investment 5% Domestic Equity 51.04 Investment Grade Fixed Income iShares Core S&P Total 28.5%U.S. Stock Market ETF 51.04 iShares Core U.S. Aggregate Bond ETF 36.15 International Equity 38.96 iShares Short Treasury Bond ETF 19.31 66.5% iShares Core MSCI Total International Stock ETF 38.96 iShares 1-3 Year Treasury Bond ETF 19.12 5.42 10 iShares TIPS Bond ETF iShares Cohen & Steers REIT ETF 10 Non-Investment Grade Fixed Income 20 iShares iBoxx High Yield Corporate Bond ETF 20 Investment Grade Fixed Income (%) Alternative Investment (%) Investment Grade Fixed Income (%) Non-Investment Grade 80 Alternative Investment Alternative Investment (%) Growth 5% 15% 20% 5% 20% 5% Stable Principal Portfolios 38.96% iShares by BlackRock Diversified Portfolios 15% Non-Investment Grade Fixed Income (%) Cash Allocation Account (%) NextGen 529TM Client Select Series Investment Guide 5
10% 20% 5% Age-based Portfolios 38.96% 15% Diversified Portfolios Single Fund Portfolios Stable Principal Portfolios 51.04% 60% Franklin Templeton Diversified Portfolios AND INCOME H AND INCOME Growth Growth && INCOME Growth INCOME ALLIANZGI CAPITAL INCOME ALLIANZGI CAPITAL INCOME 5% 15% 15% 4% 4% 10% 10% 7.5% 7.5% 25% 25% 28.5% 15% 15% 66.5% 52.5% 52.5% 16.5% 16.5% Growth Growth and Income Alternative Investment (%) Investment Grade Fixed Income (%) 66.5% Domestic Equity n 52.5% 28.5% International75% Equity n 22.5% EQUITY 75% EQUITY 5% Investment Grade Fixed Income n 25% 18.25% 18.25% Franklin Growth Fund Franklin Rising Dividends Fund Cash Allocation Account (%) n 38.5% Domestic Equity n 16.5% International Equity Fixed Income 33 Fixed Income n 37.5% Investment Grade Fixed Income n 7.5% Cash Allocation Account 5% 5% 38.25% 38.25% 7.5% 7.5% Franklin Growth Opportunities Fund Franklin Mutual Shares Fund Balanced Non-Investment Grade Fixed Income (%) Domestic Equity International Equity Equity Equity Investment Grade Fixed Income 6.75% 6.75% Domestic Equity 66.5 18 15.25 29.25% 29.25% Franklin Small Cap Value Fund International Equity 38.5% 38.5% 37.5% 37.5% 22.5% 22.5% 56% 56% al Equity (%) n n n Balanced Balanced 9 30% Domestic Equity 30% Domestic Equity 30% 30% Franklin Growth Fund 52.5 65% 65% Franklin Growth Opportunities Fund 10.25 Franklin Growth Opportunities Fund70% 70% 6.25 Franklin Mutual Shares Fund 6.75 Franklin Mutual Shares Fund 4.75 16 38.5 Franklin Growth Fund 13 15.25 Franklin Rising Dividends Fund 13 Franklin Rising Dividends Fund 10.5 9 Franklin Small Cap Value Fund 6.5 Franklin Small Cap Value Fund 4 International Equity 22.5 International Equity Franklin Mutual European Fund EQUITY EQUITY 28.5 8.5 Franklin Mutual European Fund CONSERVATIVE MIXED CONSERVATIVE MIXED 6.75 Franklin Mutual European Fund 16.5 5.5 Templeton Foreign Fund 8.5 Templeton Foreign Fund 6.75 Templeton Foreign Fund 5.5 Franklin International Growth Fund 10% 10% Templeton Developing EM Fund 8.5 7 Franklin International Growth Fund 5.5 2 Investment Grade Fixed Income 3 Franklin International Growth Fund 15% Templeton Developing EM Fund15% 20% 20% Investment Grade Fixed Income 5 5% Investment Grade Fixed Income5% 25 Franklin Low Duration Total Return Fund 4.5 38.96% Franklin Total Return Fund 38.96% 5 Franklin Low Duration Total Return Fund 3.5 Franklin U.S. Government Securities Fund 12 Franklin U.S. Government Securities Fund 60% 60% Franklin Total Return Fund 7.5 Franklin Total Return Fund 15 10 Templeton Global Total Return Fund 4 Cash Allocation Account 51.04% 51.04% Templeton Global Total Return Fund 37.5 6 7.5 Growth Growth 5% 5% NextGen 529TM Client Select Series Investment Guide 6 28.5% 28.5%
15% 6.75% 25% 10% 18.25% 15% Age-based 52.5% 38.25% Portfolios 22.5% 7.5% 5% 25% 38.5% 52.5% 30% Diversified 37.5% Portfolios 22.5% 56% 29.25% 30% 65% 16.5% Fixed Income 3MIXED Equity CONSERVATIVE 75% EQUITY EQUITY 5% 30% 6.75% 10% 18.25% 38.96% 7.5% 65% 5% 51.04% Equity 70% Conservative Mixed Asset Domestic Equity CONSERVATIVE GrowthMIXED EQUITY International Equity Alternative Investment Domestic Equity % 30% 5% 65% 70% 60% 29.25% n 65% n 30% n 5% Fixed Income 3 15% 20% 30% 30% 38.25% 20% Domestic Equity CONSERVATIVE MIXED International Equity Investment Grade Fixed Income Cash Allocation Account 15% 20% Domestic Equity 5% MFS Blended Research Core Equity Fund n n n n 5% 10% 15% 28.5% 5% MFS Blended Research Core38.96% Equity Fund 65 8 10 MFS Blended Research Growth Equity Fund MFS Blended Research Mid60% Cap Equity Fund MFS Blended Research Small Cap Equity Fund 5 MFS Blended Research Small Cap Equity Fund MFS Blended Research Value Equity Fund 6 MFS Blended Research Value Equity Fund 6 Fixed Income 15% 5% 60% 20% 66.5% MFS Blended Research Growth Equity Fund51.04% 60% MFS Blended Research Mid Cap Equity Fund n 70% n 30% 15 3 1.5 5% MFS Mid Cap Value Fund MFS Value Fund International Equity 28.5% Investment Grade Fixed Income Non-Investment Grade Fixed Income Investment Grade Fixed Income 70 MFS Government Securities Fund 30 MFS Total Return Bond Fund 40 1 Non-Investment Grade Fixed Income 30 1 MFS Global High Yield Fund 30 1.5 International Massachusetts Equity (%) Investors Alternative Investment Fixed Income (%) Non-Investment Grade Fixed Income (%) Growth Stock(%) Fund Investment 6 GradeMassachusetts Investors Growth Stock Fund 1.5 Growth Massachusetts Investors Trust 8 Massachusetts Investors Trust 3 MFS Mid Cap Growth Fund Stable Principal Portfolios 70% 16.5% MFS Diversified Portfolios Equity 38.5% Single Fund Portfolios37.5% 5 MFS Mid Cap Growth Fund 0.5 5 MFS Mid Cap Value Fund 0.5 6 MFS Value Fund 1.5 30 International Equity 66.5% MFS Blended Research International Equity Fund 12 MFS Blended Research International Equity Fund 2.5 MFS International New Discovery Fund 6 MFS Research International Fund 2.5 MFS Research International Fund 12 Investment Grade Fixed Income 60 Cash Allocation Account (%) 5 Alternative Investment 5 MFS Limited Maturity 20 estment Grade Fixed Income (%) Non-Investment Grade Fixed Income (%) Cash Allocation Account (%) nternational Equity (%) Alternative Investment (%) Investment Grade Fixed Income (%) Non-Investment Grade Fixed Income MFS Global Real Estate Fund 5 MFS Government Securities Fund 15 (%) MFS Total Return Bond Fund 25 Cash Allocation Account 20 Cash Allocation Account (%) NextGen 529TM Client Select Series Investment Guide 7
Age-based Portfolios Diversified Portfolios Single Fund Portfolios Stable Principal Portfolios Single Fund Portfolios Investment Allocation Investment Manager Portfolio Name Domestic Equity International Equity Mixed Asset* Investment Grade Fixed Income Inflation-Adjusted Bond — — — 100% Equity Dividend 100% — — — Global Allocation — — 100% — Advantage Large Cap Core 100% — — — Advantage Large Cap Growth 100% — — — Core Conservative Allocation — — 100% — Core Growth Allocation — — 100% — Core Moderate Allocation — — 100% — Core MSCI EAFE — 100% — — Core MSCI EM — 100% — — MSCI USA ESG Select 100% — — — TIPS Bond — — — 100% Global Bond — — — 100% Mutual Shares 100% — — — Small Cap Value 100% — — — Small-Mid Cap Growth 100% — — — Total Return — — — 100% Large Cap Growth 100% — — — Global Equity — — 100% — Research International — 100% — — Value 100% — — — International Equity — 100% — — As there are no other forms or types of investments in this option, the value of the fund stands on its own. Because this option is a single fund investment, it may carry more risk than the other investment options depending on the fund’s overall diversification and asset allocation. * The Underlying Funds may invest in the Domestic Equity, International Equity, Investment Grade Debt, Non-Investment Grade Debt and Money Market Securities Investment Sectors. NextGen 529TM Client Select Series Investment Guide 8
Age-based Portfolios Diversified Portfolios Single Fund Portfolios Stable Principal Portfolios Stable Principal Portfolios You may want to consider Stable Principal Portfolios if you have a lower risk tolerance or are nearing the time you need to pay for qualified higher-education expenses. Principal Plus Portfolio The Principal Plus Portfolio is currently invested in only a guaranteed interest account,3 although it may also invest in corporate fixed income investments and/or similar instruments. NextGen Savings Portfolio This portfolio is comprised exclusively of an interest-bearing FDIC-insured bank account (the “Bank Deposit Account”) at Bank of America, N.A. (the “Bank”). The NextGen Savings Portfolio offers FDIC insurance4 combined with the flexibility and benefits of a tax-advantaged Section 529 account. Investing in stable value products is typically more involved than investing in other diversified fund offerings. Such investments are typically subject to plan level withdrawal restrictions that may limit liquidity. A Stable Value investment option is not a mutual fund registered under the Investment Company Act of 1940, a prospectus is not available and shares are not publicly traded on exchanges. The designation ‘stable value’ does not suggest this investment option will maintain a constant net asset value. NextGen 529TM Client Select Series Investment Guide 9
Program Administrator Merrill Lynch, Pierce, Fenner & Smith Incorporated, Program Manager Please remember there’s always the potential of losing money when you invest in securities. NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). Before you invest in NextGen 529, request a NextGen 529 Program Description from your Maine Distribution Agent or financial advisor, or call FAME at 1.800.228.3734 and read it carefully. The Program Description contains more complete information, including investment objectives, charges, expenses and risks of investing in NextGen 529, which you should carefully consider before investing. You also should consider whether your home state or your designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s 529 plan. Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer, Member SIPC, is the program manager and underwriter. Section 529 Qualified Tuition Programs are intended to be used only to save for qualified higher education expenses. None of the Finance Authority of Maine, any Sub-Advisor, or any Maine Distribution Agent, nor any of their affiliates provide legal, tax or accounting advice. You should consult your own legal and/or tax advisors before making any financial decisions. 1 be eligible for favorable tax treatment afforded to any earnings portion of withdrawals from Section 529 accounts, such withdrawals must be used for “qualified higher-education expenses,” as defined in the Internal Revenue Code. Any To earnings withdrawn that are not used for such expenses are subject to federal income tax and may be subject to a 10% additional federal tax as well as state and local income taxes. For distributions after December 31, 2017 “qualified highereducation expenses” include tuition in connection with enrollment or attendance at an elementary or secondary public, private, or religious school. These distributions are limited to 10,000 per calendar year, across all 529 accounts for the same beneficiary. State tax treatment may vary. 2 S&P 500 is a registered trademark of The McGraw-Hill Companies. It is not possible to invest directly in an index. 3 Guarantees are subject to the claims-paying ability of the issuers of the underlying instruments. 4 portion of the underlying deposits in the Bank Deposit Account that is attributable to the Units held by a Participant in the NextGen Savings Portfolio is (a) eligible for FDIC insurance coverage of up to 250,000 per Participant (calculated The on a basis which aggregates that portion of the underlying deposits attributable to the Units held by the Participant in the NextGen Savings Portfolio with all FDIC-insured assets held by the Participant at the Bank) and (b) for purposes of FDIC insurance coverage only, considered to be held in the same ownership capacity as a Participant’s other single ownership accounts held at the Bank. However, Units of the NextGen Savings Portfolio are not insured or guaranteed by the FDIC or any other agency of state or federal government, FAME, the Bank or the Program Manager, nor does a Participant have a direct beneficial interest or the rights of an owner in the underlying deposits in the Bank Deposit Account. Participants are responsible for monitoring the aggregated value of the portion of the underlying deposits of the NextGen Savings Portfolio attributable to the Units of such Portfolio held by a Participant plus their other deposits held directly with the Bank, for purposes of the 250,000 FDIC insurance coverage limit. Deposits held in different ownership capacities, as provided in the FDIC rules, are insured separately. UGMA/UTMA Accounts are generally treated as assets of the Designated Beneficiary, and other types of trust Accounts may be treated as assets of the trustee, for purposes of the FDIC limit. Custodians of UGMA/UTMA Accounts and trustees of trust Accounts should consider how these assets will be treated for purposes of the FDIC limit. For more information, please visit www.fdic.gov. NextGen 529 and NextGen are trademarks of the Finance Authority of Maine. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors. All other company, product and service names may be trademarks or service marks of others and their use does not imply endorsement of, or association with this program. 2019 Finance Authority of Maine. ARV756K7 471388PM-1019 T o learn about Bank of America’s environmental goals and initiatives, go to bankofamerica.com/environment. Leaf icon is a registered trademark of Bank of America Corporation.
NextGen 529 Client Select Series Investment Guide NextGen 529 is a Section 529 plan that offers you a tax-advantaged way to invest for a child's education expenses.1The NextGen 529 Client Select Series gives you the ability to customize your investments among a broad array of portfolio options offered by several investment managers.
Fidelity U.S. Bond Index 529 PGIM Total Return Bond 529 MetWest Total Return Bond 529 DFA World ex U.S. Government Fixed Income 529 U.S. EQUITY American Funds The Income Fund of America 529 State Street Equity 500 Index 529 Vanguard Total Stock Market ETF 529 Dodge & Cox Stock 529 SPDR S&P Dividend ETF 529 T. Rowe Price Large-Cap Growth 529
Securities ETF 529 % Vanguard Short-Term Bond Index 529 % Fidelity U.S. Bond Index 529 % PGIM Total Return Bond 529 % MetWest Total Return Bond 529 % DFA World ex-U.S. Government Fixed Income 529 Domestic (U.S.) Equity % American Funds The Income Fund of America 529 % State Street Equity 500 Index 529 % Vanguard Total Stock Market ETF 529
1 of 21 Navigating within Nextgen Tutorial . NextGen's Tool Bars . NextGen's Core Content is operated by five bars: Title Bar - this is a static bar which names the patient and NextGen EMR. Menu Bar - these are the navigation buttons at the top of the NextGen screen which are permanently displayed when a patient encounter is open.
First advisor-sold 529 plans introduced in 2000 by Alliance & Putnam. P a g e 10. Background on 529 Plans As of 2002, 68% of net 529 sales were through advisor-sold plans vs. 32% direct-sold 529 plans. . assets from an UGMA account into a 529 plan, the account owner may have to sell a
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Plan, NEST Advisor College Savings Plan, TD Ameritrade 529 College Savings Plan and the State Farm 529 Savings Plan). On July 23, the TD Ameritrade 529 College Savings Plan will be rebranded as the Bloomwell 529 Education Savings Plan. Effective July 23, 2021, all references in the Program Disclosure Statement to the TD Ameritrade 529 College
Tax-Preferred College Savings Plans: An Introduction to 529 Plans Congressional Research Service 2 Types of 529 Plans: Prepaid and Savings Plans There are two types of 529 plans: "prepaid" plans and "savings" plans. A 529 prepaid plan allows a contributor (i.e., a parent, grandparent, or non-relative) to make lump-sum or periodic payments
ASTM A312 /A312M ASME SA312 Covers seamless, straight-seam welded, and heavily cold worked welded austenitic stainless-steel pipe intended for high-temperature and general corrosive service. ASTM A312 /A312M ASME SA312 Grades TP304, TP304L, TP304H, TP309S, TP309H, TP310S, TP310H, TP316, TP316L, TP316H, TP317, TP317L, TP321, TP321H, TP347, TP347H, TP348, TP348H Standard: ASTM A312/A312M .
