Retirement Planning Tool

Terms & Conditions if Sponsored

I acknowledge I’m authorized to submit any pretax retirement contribution and investment allocation changes to my ELCA retirement plan account associated with the retirement plan that I created and implemented using Portico’s Retirement Planning Tool.

I understand and authorize Portico to change my pretax retirement contribution based on the retirement plan that I created and implemented. I understand that Portico will notify my employer of any change to my pretax retirement contribution and authorize my employer to withhold, on a pretax basis, my deduction amount and remit it to Portico Benefit Services to be deposited in my ELCA retirement plan account. I understand:

• My contributions are bound by the terms and conditions of the ELCA retirement plan.
• This agreement is between me and my sponsoring employer and is legally binding.
• At any time, I may change or terminate this agreement with respect to amounts not yet earned.

I understand and authorize Portico to make the investment allocation changes to my ELCA retirement plan account, on my behalf, which are associated with the retirement plan that I created and implemented using Portico’s Retirement Planning Tool. I understand that these investment allocation changes will typically be made the next trading day if I created and implemented my retirement plan prior to 2 p.m. (Central). When retirement plans are created and implemented after 2 p.m. (Central), I understand that the investment allocation changes will typically be made on the second trading day following the creation and implementation of my retirement plan. I also understand that my decision to make investment allocation changes using the Retirement Planning Tool must be executed and the trade cannot be revoked or reversed. I agree that Portico cannot guarantee the timing of and will have no liability for investment allocation changes that may occur due to unusual circumstances such as the investment markets closing early or technical issues that could prevent my changes from being processed in a timely fashion.

Terms & Conditions if Non-Sponsored

I acknowledge I’m authorized to submit any investment allocation changes to my ELCA retirement account associated with the retirement plan that I created and implemented using Portico’s Retirement Planning Tool.

I understand and authorize Portico to make the investment allocation changes to my ELCA retirement account, on my behalf, which are associated with the retirement plan that I created and implemented using Portico’s Retirement Planning Tool. *Investment allocation changes will typically be reflected the next trading day if your retirement plan is created and implemented before 2 p.m. (Central). If your plan is created and implemented after 2 p.m. (Central), investment allocation changes will typically be reflected on the second trading day after creation and implementation of the plan. These investment allocation changes will be executed, and can’t be revoked or reversed. Portico doesn’t guarantee timing of or assume liability for timing changes, including those that may occur due to unusual circumstances, such as investment markets closing early or technical issues, which could prevent your changes from being processed in a timely fashion.

I understand the Retirement Planning Tool does not provide individualized tax advice, nor address my personal tax liability. For example, the tool may not fully consider my retirement plan contribution limits under IRC §401(a)/403(b), Health Savings Accounts (HSA), IRA contribution limits, Required Minimum Distribution requirements, early withdrawal penalties, etc.

I understand that by clicking I Accept my ELCA retirement account will be reallocated at Fidelity.

Terms & Conditions if Non-Sponsored Keeping Current Allocations

You chose to generate your plan based on your current asset allocation. There are several factors to consider when selecting an asset allocation so carefully evaluate your goals, circumstances, risk preference, and planning horizon. By choosing to plan using your current allocations, the equity and fixed income percentages shown above will be used throughout your planning horizon. This could result in substantially greater investment risk as you and your spouse approach your life expectancy. If you choose not to rely on the asset allocation suggestions presented by Guidance Plus, but rather use your current asset allocations to generate your plan, your retirement income may not align with your goals.

By choosing to plan using my current asset allocations, I acknowledge that I’m taking responsibility for the generated plan along with the associated investment risk and resulting retirement income. Additionally, I will hold Portico Benefit Services, MasteryPOINT, and ALPS harmless as the result of any issues that may result from using my current asset allocations. I agree to review my account periodically to monitor changes in the market and the value of my investments, to determine whether I need to change my financial planning strategy.

I understand the Retirement Planning Tool does not provide individualized tax advice, nor address my personal tax liability. For example, the tool may not fully consider my retirement plan contribution limits under IRC §401(a)/403(b), Health Savings Accounts (HSA), IRA contribution limits, Required Minimum Distribution requirements, early withdrawal penalties, etc.

By clicking I Accept, I’m choosing to plan based on my current asset allocations and accepting responsibility for the generated plan, the associated investment risk, and any impact to my retirement income.