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Plan Details     Haddon Heights BOE, Haddon Heights NJ
Current Status: Active

Fixed Annuity (F)

A fixed annuity is an annuity wherein the issuer (usually an insurance company) guarantees both the interest rate paid on invested dollars and the return of principal. The issuer guarantees that a minimum rate of interest will be paid on the annuity, but the actual rate of interest credited to the annuity is typically higher than the guaranteed rate. All of the premium payments that you make to the issuer will then compound (tax deferred) at least at this guaranteed rate of return, subject to the claims-paying ability of the annuity issuer.
Fixed Index Annuity (FI)

A fixed index annuity is a fixed annuity that is designed to mirror the performance of a stock market index (the Dow Jones or S&P 500, for instance). Fixed index annuities can provide returns that exceed those of traditional annuities, however are generally considered to offer lower returns than direct investment in common stock.
Variable Annuity (VA)

A variable annuity is a type of annuity that has a variety of investment options (called subaccounts) available for your selection. When you purchase a variable annuity, the annuity issuer offers you a choice of investment portfolios into which you can allocate your premiums. The investment choices may include general equity stocks, balanced portfolios, bonds, and other specialty investments, such as international stocks. Unlike a fixed annuity in which the issuer guarantees that a minimum rate of interest will be paid on your investment in the annuity, the issuer of a variable annuity does not guarantee or project any rate of return on the underlying investment portfolios. You, as the purchaser of the annuity, assume all risk on the underlying performance of the investment subaccounts that you select. Your return may be greater than or less than that of a fixed annuity.
Investment Advisory Services (RIA)

Investment advisory services work directly with the participant (either face-to-face or through telephone/internet communication). Investment advisory services will provide an array of services, ranging from general advice on retirement planning to specific counsel and, in some cases direct management of investments on your behalf. Investment advisory services are often obligated to abide by SEC regulations, and may be subject to criminal penalties for providing false or fraudulent counsel.
Mutual Funds (MF)

A mutual fund is an investment company that pools money from many people and invests it in stocks, bonds, or other securities. Each investor owns shares; each share represents a tiny portion of each individual security held by the fund. An investment professional handles the purchase and sale of individual securities in the fund, based either on an index or on his or her professional expertise. Investors may buy shares (or portions) directly from the fund or through brokers, banks, or financial planning or insurance professionals.
AXA is one of the nation's leading providers of retirement savings plans, including 403(b) plans for public schools nationwide. What makes AXA unique in the public school marketplace is that its 403(b) TSA funding vehicles, as well as other retirement and protection products, are made available through the Retirement Benefits Group, a specialized division of affiliate AXA Advisors, LLC. Over 1,000 local dedicated financial professionals in the Retirement Benefits Group currently serve 15,000 public schools and over 650,000 employees. For more information about our services visit us at axa.com/myretirementgoal.
Foresters Financial™ is an international financial services provider with more than three million clients and members in the United States, Canada and the United Kingdom. With a history of more than 140 years, we provide retirement, savings and investment solutions as well as life insurance, that help families achieve their financial goals, protect their families and improve their communities. Foresters Financial Services, Inc. currently serves over 1,800 school districts throughout the United States. For more information, visit foresters.com, call 800 423 4026 or write to Foresters Financial Services, Inc. at 40 Wall Street, New York, NY 10005.
Lincoln Investment is a broker/dealer and investment advisory firm with more than 45 years' experience. Our mutual fund Custodial platform offers investment choices that include over 65 mutual fund families. Over 2,500 mutual funds are available on two platforms: RetirementSOLUTIONS is Lincoln Investment's proprietary, commission-based platform for consolidating retirement accounts, RetirementSOLUTIONSPREMIER is Lincoln Investment's proprietary, fee-based platform which offers diversified mutual fund investment options, including no-load funds such as Vanguard Funds, and the ability to utilize professional money managers. We offer one-on-one investment counseling to help guide you to a sound financial future.
AXA is one of the nation's leading providers of retirement savings plans, including 403(b) plans for public schools nationwide. What makes AXA unique in the public school marketplace is that its 403(b) TSA funding vehicles, as well as other retirement and protection products, are made available through the Retirement Benefits Group, a specialized division of affiliate AXA Advisors, LLC. Over 1,000 local dedicated financial professionals in the Retirement Benefits Group currently serve 15,000 public schools and over 650,000 employees. For more information about our services visit us at axa.com/myretirementgoal.
Foresters Financial™ is an international financial services provider with more than three million clients and members in the United States, Canada and the United Kingdom. With a history of more than 140 years, we provide retirement, savings and investment solutions as well as life insurance, that help families achieve their financial goals, protect their families and improve their communities. Foresters Financial Services, Inc. currently serves over 1,800 school districts throughout the United States. For more information, visit foresters.com, call 800 423 4026 or write to Foresters Financial Services, Inc. at 40 Wall Street, New York, NY 10005.
Lincoln Investment is a broker/dealer and investment advisory firm with more than 45 years' experience. Our mutual fund Custodial platform offers investment choices that include over 65 mutual fund families. Over 2,500 mutual funds are available on two platforms: RetirementSOLUTIONS is Lincoln Investment's proprietary, commission-based platform for consolidating retirement accounts, RetirementSOLUTIONSPREMIER is Lincoln Investment's proprietary, fee-based platform which offers diversified mutual fund investment options, including no-load funds such as Vanguard Funds, and the ability to utilize professional money managers. We offer one-on-one investment counseling to help guide you to a sound financial future.
For over 35 years, Siracusa Benefits Programs and its independent advisors have provided education, financial guidance and retirement planning services for public school teachers, employees and administrators. Through a network of business partners, we have the ability to offer a suite of retirement planning programs that can help meet the needs of every type of investor. To learn more about us, please visit our website at www.siracusabenefits.com
For over 35 years, Siracusa Benefits Programs and its independent advisors have provided education, financial guidance and retirement planning services for public school teachers, employees and administrators. Through a network of business partners, we have the ability to offer a suite of retirement planning programs that can help meet the needs of every type of investor. To learn more about us, please visit our website at www.siracusabenefits.com
(F) (FI) (VA) (RIA) (MF)
AXA Equitable Life Insurance Company Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

1-800-628-6673
Fidelity Management Trust Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

Foresters Financial (First Investors) Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

1-800-423-4026
Lincoln Investment Planning Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

1-800-242-1421 ext. 4500
Midland National Life Insurance Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

ROTH - AXA Equitable Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

1-800-628-6673
ROTH - Fidelity Management Trust Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

ROTH - Foresters Financial (First Inv.) Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

1-800-423-4026
ROTH - Lincoln Investment Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

1-800-242-1421 ext. 4500
ROTH - Siracusa Benefits Programs Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

1-888-439-0770
Siracusa Benefits Programs Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

1-888-439-0770
Vanguard Fiduciary Trust Co. Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

Waddell & Reed Inc. Representative(s)
for Haddon Heights BOE, Haddon Heights NJ

1-888-923-3355


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