Retirement Consultants for Transition Counseling
You've worked hard to accumulate your savings and keeping it invested for retirement should be one of your key goals. But if you're moving on to a new job or retirement, you will need to make a decision about what to do with your Plan account. You typically have four choices:

Leave the money in this Plan.
You may be able to leave your retirement savings in this Plan, where you can continue taking advantage of the Plan features and investments, and your savings can continue to grow tax deferred. Be sure to review the Plan's distribution rules found in this Plan Highlights to see if you're eligible. Keep in mind that you won't be able to make contributions to this Plan once you've left employment.

Roll your savings into an Individual Retirement Account (IRA).
If you want to keep all your retirement savings in one account, consider rolling your Plan savings into an IRA. An IRA can offer additional flexibility and investment choices, and allows you to consolidate retirement savings from former employer plans and other IRAs. Having a single account to manage makes investment allocation and rebalancing easier. Note that Voya Financial Advisors, Inc. Retirement Consultants (Retirement Consultants)* can provide guidance on your IRA options.

Roll your savings into your new employer-sponsored plan.
If you're planning on or have completed a job change, you may be able to roll your savings into your new employer-sponsored plan. Be sure to check the features, investments, services, and fees of your new plan before deciding to move your savings.

Take your savings out in cash.
Cashing out should only be considered an option if you need access to your money immediately and have no alternative resource. If possible, only withdraw the money you immediately need and consider rolling over the rest of your savings to an IRA. By cashing out, you will lose the opportunity to continue growing your money tax deferred AND the amount you withdraw will likely be subject to income taxes as well as early withdrawal penalties. More information can be found under Withdrawals in this Plan Highlights.

Speak with the Retirement Consultants
Not sure what to do? Voya Financial Advisors, Inc. Retirement Consultants can help. They will take a look at your existing Plan, any other retirement accounts you may have, the money you're making and the money you're saving, then help you come up with a strategy that makes sense for you. Plus, you can continue to work with the same Retirement Consultant down the road. More importantly, they can help you better understand your options.

• Retirement Consultants are knowledgeable about the benefits and features of your Plan and Individual Retirement Accounts (IRAs).
• There is no additional fee for working with a Retirement Consultant.
• You can build an ongoing, one-on-one relationship with your Retirement Consultant. They will get to know you and your personal situation.
• You have direct access to your Retirement Consultant via phone and email.

Ready to get started?
Call 1-800-759-7372 and select the DC option to speak to a Voya Retirement Consultant.

* Retirement Consultants are registered representatives of Voya Financial Advisors, Inc.