Important Disclosures

Withdrawals from a 403(b) or 457(b) annuity are restricted by the Internal Revenue Code and may be further restricted by your employer’s plan. Generally, you may make a withdrawal from a 403(b) annuity only upon reaching age 59½, severance from employment, disability, or certain hardships (if allowed by the plan); from a 457(b) plan account only upon reaching age 70 ½, severance from employment, disability, or an unforeseeable emergency (if allowed by the plan); and from a 401(a) plan account only upon reaching a specified age, severance from employment, or disability. If you take money out before age 59 ½ you could be subject to a federal penalty tax (except for 457(b) plan accounts) in addition to income taxes. You should consult with a tax advisor regarding any tax-favored retirement products and your specific situation.

Financial Soundings’ Retirement Readiness is a resource provided to all eligible employees through a separate arrangement between Financial Soundings Investment Advisor, LLC, a registered investment advisor, and your employer. Financial Soundings Investment Advisor, LLC is selected and monitored by your employer to provide participants with retirement-planning information, education, asset-allocation investment advice and /or managed account services. Financial Soundings is not affiliated with Horace Mann.

WBIP-0016 (May 18)

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