Start a Retirement Savings Plan Today!
Starting a retirement savings plan is an important step for most small business owners. Yet, research shows that retirement plans are less prevalent among small employers according to LIMRA’s Market Facts Quarterly and with so many employees, many future retirees end up struggling financially during their retirement years.
It is critical to have a retirement savings plan to supplement Social Security income and maintain the lifestyle to which an architect is accustomed. AXA has supported AIA members for over 20 years in their retirement planning and are committed to helping them plan for a successful retirement from evaluating options, to plan inception, to retirement and beyond.
Contact a Retirement Program Specialist at 800-523-1125 or visit www.axa.com/aia to learn more about the offerings for AIA members or to schedule a free retirement planning consultation.
AXA Equitable provides plan design and administration services while offering investment choices to suit every risk tolerance. Funded by a variable annuity offered by AXA, the full service plan saves you time and expense and offers you an expanded investment lineup. This approach is easy to use and supports both employers and employees by helping them plan effectively to meet their retirement goals.
- To learn more about how you can start a retirement program for your firm, see below for detailed options–or click here—or call 800-523-1125, extension 6652.
- For help in planning your own personal retirement needs, click here to review financial and retirement planning resources provided by the AIA Trust.
- You can also schedule a free retirement planning seminar for AIA Members through your AIA Component — click here for details on how to request a seminar.
- For an overview of the roles and responsibilities of a fiduciary in the operation of a retirement plan, click here to watch a 12-minute on-demand webinar: Understanding Fiduciary Roles.
The right plan and service platform will be affordable and easy to manage for you and for your employees. Scroll down to find out 
MORE about the AIA Members Retirement Program and the many plan design options available:
If You’re a One-Person Firm—Consider An Affordable Owners 401(k)
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If You Have an Established Firm with Younger Employees—Consider a New Comparability Plan
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If You Have a SIMPLE IRA or SEP-IRA—Consider Upgrading to a Safe Harbor 401(k)
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If You Have Multiple Retirement Plans—Consider Consolidating Plans
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If You Are A Component—Consider a 401(k) Plan
- Stand Alone 401(k) enables component staff to make pre-tax salary deferrals without any contributions from the component.
- 401(k) With Employer Matching Contributions enables both staff to make pre-tax salary deferrals and the component to match a stated portion of salary deferrals.
- 401(k) with a Non-Elective Contribution so that staff can make pre-tax salary deferrals and the component makes a non-elective contribution to every eligible Staff member whether they choose to make pre-tax salary deferrals or not.
Click here to find out more.
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If You Have An Established Plan With Assets Over $500,000 – Consider the Retirement Gateway Association Program
- No asset fees or additional charges with initial set-up
- Competitive-cost as a bundled full service program or unbundled with outside Third Party Administrator (TPA)
- Sophisticated and easy to use web-based services in addition to customer service desk
- Comprehensive and customizable investment selection
- Fiduciary services available through Wilshire, to provide you with guidance in choosing your investment lineup
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If You Want Upside Market Participation with Downside Protection, Consider Structured Capital
- Select from one of three time periods: 1, 3, and 5 years
- Invest in segments that track an index: Structured Capital Strategies tracks 8 well-known equity and commodity indexes
- Protect your investment with downside protection of -10%, -20% or -30%, depending on the index and duration chosen.
The cap will not be known before you invest, and it may limit your potential in up markets. While you are protected from some downside risk if the negative return is in excess of the protection offered by this product, there is a risk of a substantial loss of your principal.
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NEW! If You Want Cost-Conscious Tax-Deferral, Consider Investment Edge®
Investment Edge® can help investors potentially grow their wealth and keep more of what they earn. It allows them to take advantage of:
- Diversification to capture growth opportunities and help manage volatility.
- Tax deferral to defer current taxes and promote growth.
- Tax-efficient distributions to adjust their income flow with flexible options available through Income Edge.
This product is designed for investors who want tax-deferred growth potential as they seek wealth for retirement and other life goals. Investment activity in Investment Edge® does not generate current income taxes, allowing greater wealth-building opportunities than taxable accounts can offer.
Investment Edge® also includes cost- and tax-free rebalancing, a critical component that helps keep portfolios on track with target allocations. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.
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AIA Trust Members Retirement Plan Services Offered
• Acceptance of rollovers from IRAs, 403(b) TSAs, 457 government plans
• IRS pre-approved plan documents and design flexibility to help meet employer goals
• Automatic plan updates for changes in law at no additional cost to employer
• Full-service plan administration with 5500 Annual Reporting
• Contribution calculation service and 401(k) testing (if required)
• 24/7 online access to account information & transactions plus timely, informative quarterly statements
• Access to employer/participant Web sites—and to account executives for questions
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To learn more—and to get started on the path to retirement savings, click here—or call 800-523-1125, extension 6652.
Program Provider
• Administered by AXA Equitable Life Insurance Company (“AXA Equitable”) which has been a leading provider of retirement services to Associations for over 45 years with approximately 26,000 professional association member participants in these Programs with associated assets under management of nearly $2 billion as of October 31, 2013.
• AXA Equitable had $519.3 billion in assets under management as of June 30, 2013. AXA Equitable’s assets under management are inclusive of assets under management held by affiliate, Alliance Bernstein L.P.
To learn more—and to get started on the path to retirement readiness, click here—or call 800-523-1125, extension 6652.
The Members Retirement Program (contract form #6059) is funded by a group variable annuity contract issued and distributed by AXA Equitable Life Insurance Company, New York, NY. AXA Equitable Life Insurance Company (AXA Equitable) does not provide tax or legal advice and should consult their tax and legal advisor regarding their particular circumstances. Retirement Gateway and Structured Capital Strategies® variable annuities are issued by AXA Equitable Life Insurance Company New York, NY 10104 and co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC New York, NY 10104.
