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There’s no bettertime or placeLoma Linda University Faculty Medical GroupMultiple Employer Retirement Plan (MERP)
Welcometo a plan forthe futureLoma Linda is here to help you plan for yourfuture by making an annual discretionarycontribution to your retirement account.** Please visit rps.troweprice.com or refer to your summary plandescription for details about your vesting schedule.
Three things to do now.There is nothing that you need to do to enroll in the plan. However, there arethree things you should do now. Visit rps.troweprice.com to:123Choose your investment approachWhether you want a portfolio that automatically adjusts overtime or to build your own portfolio, the plan has options to suityour style and needs.Name your beneficiaryMake sure your account balance will go to the person or peopleyou choose. You can do this at rps.troweprice.com.Verify your email addressVisit rps.troweprice.com and provide an email address so thatyou can receive timely, helpful information and guidance aboutyour plan.Rollover contributionsThe plan accepts rollover contributions of vested balances you mayhave from other employers’ eligible plans. For more information, contactT. Rowe Price at 1-800-922-9945.
Invest in your future your way.Investing doesn’t have to be intimidating. The MERP makes it easy for you to choose the approach that suits yourstyle and comfort with investing.Age-based portfolioBuild-your-own portfolioSelf-directed brokerageIf you want a portfolio thatautomatically adjusts over time,consider investing in a preassembled target date investment.Each of these target dateinvestments:If you want more control, considerbuilding your own portfolio.Your plan also offers a brokerageservice that gives you access tohundreds of investment optionsbeyond those available through yourplan’s core investment options. Provides an investment mix in asingle portfolio designed to targetthe year an investor retires—assumed to be age 65. Is professionally managedthroughout your working yearsand retirement. You choose from your plan’sprofessionally managedinvestment options. You manage your portfolio andasset allocation over time to suityour risk tolerance, time horizon,and financial goals. For more information about thisservice, including fees and risks,visit rps.troweprice.com orcall 1-800-922-9945. Schwab Personal Choice RetirementAccount (PCRA) is offered throughCharles Schwab & Co., Inc., aregistered broker‑dealer that alsoprovides other brokerage andcustody services to its customers.Schwab Personal Choice Retirement Account (PCRA) is offered through Charles Schwab & Co.,Inc. (Member SIPC), a registered broker-dealer. Charles Schwab & Co., Inc. is not affiliated withT. Rowe Price Retirement Plan Services, Inc. or any T. Rowe Price entity.
Your plan lineup:investment options available to you.Age-based portfoliosT. Rowe Price Retirement Balanced TrustT. Rowe Price Retirement 2005 TrustT. Rowe Price Retirement 2010 TrustT. Rowe Price Retirement 2015 TrustT. Rowe Price Retirement 2020 TrustT. Rowe Price Retirement 2025 TrustT. Rowe Price Retirement 2030 TrustT. Rowe Price Retirement 2035 TrustT. Rowe Price Retirement 2040 TrustT. Rowe Price Retirement 2045 TrustT. Rowe Price Retirement 2050 TrustT. Rowe Price Retirement 2055 TrustT. Rowe Price Retirement 2060 TrustDepending on your risk tolerance, time horizon,and financial situation, you may consider aRetirement Trust with a different target date.The principal value of the Retirement Trusts is notguaranteed at any time, including at or after the targetdate, which is the approximate year an investor plansto retire (assumed to be age 65) and likely stop makingnew investments in the Trust. If an investor plans toretire significantly earlier or later than age 65, theTrusts may not be an appropriate investment even ifthe investor is retiring on or near the target date. TheTrusts are allocated among a broad range of underlyingT. Rowe Price stock and bond portfolios. The allocationsfor the Trusts with a stated retirement date will changeover time; these Trusts emphasize potential capitalappreciation during the early phases of retirement assetaccumulation, balance the need for appreciation withthe need for income as retirement approaches, andfocus on supporting an income stream over a long-termpostretirement withdrawal horizon. The Trusts are notdesigned for a lump-sum redemption at the target dateand do not guarantee a particular level of income. TheTrusts maintain a substantial allocation to equities bothprior to and after the target date, which can result ingreater volatility over shorter time horizons.The T. Rowe Price Retirement Trusts (Trusts) arenot mutual funds. They are common trust fundsestablished by T. Rowe Price Trust Company underMaryland banking law, and their units are exemptfrom registration under the Securities Act of 1933.Investments in the Trusts are not deposits or obligationsof, or guaranteed by, the U.S. government or itsagencies or T. Rowe Price Trust Company and aresubject to investment risks, including possible loss ofprincipal. For additional information on the commontrust funds being offered, including a trust fact sheet,please call T. Rowe Price.
Build-your-own portfolioStock InvestmentsAmerican Funds EuroPacific Growth Fund , Class R-6Brandes International Equity Fund, Class R6Cohen & Steers Institutional Realty SharesEagle Capital EquityFidelity 500 Index Fund, Institutional Premium ClassFidelity Total International Index FundFidelity Total Market Index FundGoldman Sachs Small Cap Value Fund, Class R6Hartford SmallCap Growth Fund, Class R5As a plan participant, you havethe option of opening a SchwabPersonal Choice RetirementAccount (PCRA). It’s a selfdirected brokerage accountthat lets you invest within theplan with the freedom of abrokerage account. In additionto the investment choicesoffered by the plan, a PCRAlets you invest in a much widerrange of investments.JPMorgan Mid Cap Value Fund, Class R6T. Rowe Price Blue Chip Growth Fund, I ClassT. Rowe Price Value Fund, I ClassVanguard Mid-Cap Growth Index Fund, Admiral SharesVanguard Small-Cap Index Fund, Institutional SharesBond InvestmentsPIMCO Income Fund, Institutional ClassPIMCO Total Return Fund, Institutional ClassConsider the investmentobjectives, risks, and chargesand expenses carefully beforeinvesting. For a prospectusor, if available, a summaryprospectus containing thisand other information,call 1-800-922-9945. Readit carefully.Vanguard Inflation-Protected Securities Fund, Admiral SharesVanguard Total Bond Market Index Fund, Admiral SharesStable Value InvestmentT. Rowe Price Stable Value Fund, NThe T. Rowe Price Stable Value Common Trust Fund (Trust) is not a mutual fund. It is a common trust fundestablished by T. Rowe Price Trust Company under Maryland banking law, and its units are exempt fromregistration under the Securities Act of 1933. Investments in the Trust are not deposits or obligationsof, or guaranteed by, the U.S. government or its agencies or T. Rowe Price Trust Company. Although theTrust seeks to preserve the value of your investment at 1.00 per unit, it is possible to lose money byinvesting in the Trust. For additional information on the common trust fund being offered, including a trustfact sheet, please call T. Rowe Price.
Now’s the time to take action.1Choose your investments2Name your beneficiary3Verify your email addressGet in touch.We’ll help you feel confident about saving and investing for retirement.Your Retirement Plan WebsiteLog in to rps.troweprice.com.Dedicated RepresentativesCall 1-800-922-9945 business daysbetween 4 a.m. and 7 p.m. Pacific time.Mobile SolutionsConnect to your account on any device.Visit troweprice.com/mobilesolutionsto choose the option that’s best for you.T. Rowe Price Retirement Plan Services, Inc.T. Rowe Price Investment Services, Inc.This material has been prepared by T. Rowe Price Retirement Plan Services, Inc., for general and educational purposes only. Thismaterial does not provide fiduciary recommendations concerning investments, nor is it intended to serve as the primary basis forinvestment decision-making. T. Rowe Price Retirement Plan Services, Inc., its affiliates, and its associates do not provide legal or taxadvice. Any tax-related discussion contained in this material, including any attachments/links, is not intended or written to be used, andcannot be used, for the purpose of (i) avoiding any tax penalties or (ii) promoting, marketing, or recommending to any other party anytransaction or matter addressed herein. Please consult your independent legal counsel and/or professional tax advisor regarding anylegal or tax issues raised in this material.
It's a self- directed brokerage account that lets you invest within the plan with the freedom of a brokerage account. In addition to the investment choices offered by the plan, a PCRA lets you invest in a much wider range of investments. Consider the investment objectives, risks, and charges and expenses carefully before investing.
