Details on the backgrounds and qualiﬁcations of registered persons who conduct business with you can be found on the FINRA BrokerCheck website.
GoalMaker’s model allocations are based on generally accepted ﬁnancial theories that take into account the historic returns of diﬀerent asset classes. But, of course, past performance of any investment does not guarantee future results. Participants should consider their other assets, income and investments (e.g. equity in a home, Social Security beneﬁts, individual retirement plan investments, etc.) in addition to their interest in the plan, to the extent those items are not taken into account in the model. Participants should also periodically reassess their GoalMaker investments to make sure their model portfolio continues to correspond to their changing attitudes and retirement time horizon.
Before investing in a mutual fund, consider the funds' investment objectives, risks, charges, and expenses. Please call 877-778-2100 for a prospectus or, if available, a summary prospectus containing this information. You should read the prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities.
Retirement counselors are registered representatives of Prudential Investment Management Services LLC (PIMS), Newark, NJ an SEC-registered broker dealer and Investment Advisor Representatives of Prudential Customer Solutions LLC (PCS), an SEC-registered investment advisor. Brokerage services and products are oﬀered through PIMS, investment advisory products and services are oﬀered through PCS.
Shares of the registered mutual funds and investment products oﬀered to you through the SSIRA or Brokerage IRA accounts are provided through Prudential Investment Management Services LLC (PIMS), Newark, NJ. PIMS is a Prudential Financial company
You get tax deferral of your investment earnings through the qualiﬁed retirement plan in which you participate. Because you already enjoy this tax deferral, your decision to invest in an Individual Retirement Account or other variable annuity should be based on the annuity's investment and insurance features, such as the ability to annuitize and the death beneﬁt.
Annuities are longer term investments intended for retirement savings. They contain fee, exclusions, limitations, reductions of beneﬁts, and terms for keeping them in force.
The sale or liquidation of any stock, bond, IRA, certiﬁcate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You or your agent may wish to solicit independent legal or ﬁnancial advice before selling or liquidating any assets, and prior to the purchase of any life or annuity products being solicited, oﬀered for sale, or sold.
Amounts withdrawn before age 59½ may be subject to a 10% federal income tax penalty, applicable taxes, and plan restrictions. Withdrawals are generally taxed at ordinary income tax rates.
The PruSecure Account is a group annuity product issued by The Prudential Insurance Company of America (PICA), Newark, NJ 07102. Amounts contributed to the contract are deposited in PICA's general account. Payment obligations and the fulﬁllment of any guarantees speciﬁed in the group annuity contract are insurance claims supported by the full faith and credit of PICA. PICA periodically resets the interest rate credited on contract balances, subject to a minimum rate speciﬁed in the group annuity contract. Past interest rates are not indicative of future rates. This product is neither a mutual fund nor a bank product. The obligations of PICA are not insured by the FDIC or any other federal governmental agency. Prudential Retirement is compensated in connection with this product when general account investment returns exceed the interest credited on contract balances. Other than such compensation, there are no additional charges imposed that reduce the interest rate credited.
For MT, NV, UT, Commonwealth of Puerto Rico, U.S. Virgin Islands, and Guam (conditional text):
An investment in the money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
The Prudential SmartSolution IRA invests in proprietary and non-proprietary funds. Prudential Investments is a Prudential subsidiary and Prudential earns fees for managing these accounts. These fees are described in the prospectus for each fund.
Custodial services oﬀered through Prudential Bank & Trust, FSB. Prudential Bank & Trust, FSB is a Prudential Financial company.
Nondeposit investment products are:
Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Guaranteed by Any Government Agency
Not a Bank Deposit
This material is intended to provide information only. This material is not intended as advice or recommendation about investing or managing your retirement savings. By sharing this information, Prudential Retirement® is not acting as your ﬁduciary as deﬁned by the Department of Labor or otherwise. If you need investment advice, please consult with a qualiﬁed professional.
Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its aﬃliates. (California COA # 1179).
Insurance products and services are oﬀered by Prudential Retirement Insurance and Annuity Company, Hartford, CT or The Prudential Insurance Company of America, Newark, NJ. Each company is soley responsible for its ﬁnancial conditions and contractual obligations.
Guarantees are based on the claims-paying ability of the issuing insurance company and are subject to certain limitations, terms, and conditions.
In providing this information, Prudential Retirement is not undertaking to provide impartial investment advice, or to give advice in a ﬁduciary capacity. Prudential Retirement may beneﬁt from advisory and other fees paid to it or its aﬃliates for managing, selling, or settling of the Prudential mutual funds and other investment products or securities oﬀered by Prudential Retirement or its aﬃliates. Investment vehicles sponsored or managed by a Prudential Retirement aﬃliate generate more revenue for the Prudential enterprise than non-proprietary investment vehicles. Prudential Retirement may beneﬁt directly from the diﬀerence between investment earnings of Prudential Retirement's stable value funds and the amount credited to deposits in those funds. Prudential Retirement may also beneﬁt from broker-dealer or other entities’ co-sponsorship of Prudential conferences.
Neither Prudential Financial, nor any of its representatives, are tax or legal advisors. You are encouraged to consult your individual legal or tax advisor with any speciﬁc questions.
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