Individual Retirement Arrangements (IRAs) in

the Marketplace

Diversification is the way to ensure developmental balance

Here is What’s Wrong in the Currently Proposed State-Based Retirement Plan

One single company is chosen as the plan’s administrator

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There is a Better Way

IRA Marketplace1. Diversification is infinite2. Shoppers can choose what to do3. Comparisons and quotes are free4. Agents and brokers are available5. Annuity contributions are on a flexible

premium schedule6. Products are portable across state lines7. Products are portable through job

changes8. Clients can use IRS 1035 replacement

while keeping the same IRA9. Pretax payroll deduction is in your

hands10. No group plan

Get the Facts, Know the Facts

Resources

• IRS publication 590(a)

• IRS publication 4587

• The Saver's Credit

• Compare Carriers

• Visit your Agent

States Assume Confusion is Everywhere

Stay organized and in the know! Beat the state’s plan.Don’t let the state government tell you retirement plans are unavailable. Take charge. Visit the market and decide for yourself what happens to your paycheck.

The funnel must be stopped.

Break the cycle of state-run programs