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Plan Details     Ipswich Public Schools, Ipswich MA
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Current Status: Active

Fixed Annuity (F)

A fixed annuity is an annuity wherein the issuer (usually an insurance company) guarantees both the interest rate paid on invested dollars and the return of principal. The issuer guarantees that a minimum rate of interest will be paid on the annuity, but the actual rate of interest credited to the annuity is typically higher than the guaranteed rate. All of the premium payments that you make to the issuer will then compound (tax deferred) at least at this guaranteed rate of return, subject to the claims-paying ability of the annuity issuer.
Fixed Index Annuity (FI)

A fixed index annuity is a fixed annuity that is designed to mirror the performance of a stock market index (the Dow Jones or S&P 500, for instance). Fixed index annuities can provide returns that exceed those of traditional annuities, however are generally considered to offer lower returns than direct investment in common stock.
Variable Annuity (VA)

A variable annuity is a type of annuity that has a variety of investment options (called subaccounts) available for your selection. When you purchase a variable annuity, the annuity issuer offers you a choice of investment portfolios into which you can allocate your premiums. The investment choices may include general equity stocks, balanced portfolios, bonds, and other specialty investments, such as international stocks. Unlike a fixed annuity in which the issuer guarantees that a minimum rate of interest will be paid on your investment in the annuity, the issuer of a variable annuity does not guarantee or project any rate of return on the underlying investment portfolios. You, as the purchaser of the annuity, assume all risk on the underlying performance of the investment subaccounts that you select. Your return may be greater than or less than that of a fixed annuity.
Investment Advisory Services (RIA)

Investment advisory services work directly with the participant (either face-to-face or through telephone/internet communication). Investment advisory services will provide an array of services, ranging from general advice on retirement planning to specific counsel and, in some cases direct management of investments on your behalf. Investment advisory services are often obligated to abide by SEC regulations, and may be subject to criminal penalties for providing false or fraudulent counsel.
Mutual Funds (MF)

A mutual fund is an investment company that pools money from many people and invests it in stocks, bonds, or other securities. Each investor owns shares; each share represents a tiny portion of each individual security held by the fund. An investment professional handles the purchase and sale of individual securities in the fund, based either on an index or on his or her professional expertise. Investors may buy shares (or portions) directly from the fund or through brokers, banks, or financial planning or insurance professionals.
AIG Retirement Services is a leading provider of supplemental retirement plans to public school employees across the country. Our national network of financial advisors offer a full service approach to retirement planning. AIG Retirement Services advisors will meet with you, at your convenience, and assist in the design and implementation of a personalized retirement plan to fit your needs.
Aspire is a full-service, open-architecture provider of 403(b) and 457 programs offering participants and plans the freedom to work with the investments, money managers and financial advisors of their choosing.'s Plan Search feature makes it easy to start and complete the entire enrollment process and manage your account. Thousands of investments are available, including low cost mutual funds from hundreds of fund families. Participants can self-select or work directly with their financial advisor to assist in investment decisions. Smart retirement solutions by Aspire.
AXA is one of the nation's leading providers of retirement savings plans, including 403(b) plans for public schools nationwide. What makes AXA unique in the public school marketplace is that its 403(b) TSA funding vehicles, as well as other retirement and protection products, are made available through the Retirement Benefits Group, a specialized division of affiliate AXA Advisors, LLC. Over 1,000 local dedicated financial professionals in the Retirement Benefits Group currently serve 15,000 public schools and over 650,000 employees. For more information about our services visit us at
Great American Insurance Group, a trusted leader in the 403(b) and 457 markets for over 30 years is a financial services company dedicated to providing retirement solutions to school employees. As a financially strong, American-owned company, Great American provides opportunities and value-add programs to help educators in and out of the classroom. With quality products and excellent service we are poised to offer retirement solutions for your school. Please contact our Direct Connect Team at (800) 438-3398, ext. 17197 for more information.
Horace Mann understands the challenges educators face – it’s in our DNA. Founded by Educators for Educators® in 1945, Horace Mann is the largest financial services company focused on providing America’s educators and school employees with affordable auto, home and life insurance as well as retirement. We provide retirement products in more than 4,000 public school districts’ 403(b)/457(b) programs. Horace Mann Educators Corporation and its subsidiaries have more than $10 billion in assets and is consistently receive among the highest rankings from all four financial strength rating agencies. We have extensive knowledge of teachers’ state retirement plans – expertise that helps us provide teachers and school employees with a “big picture” view of how all their retirement benefits could work together. For questions, please call 1-800-677-2363.
Lincoln Investment is a broker/dealer and investment advisory firm with 50 years' experience. Our mutual fund Custodial platform offers investment choices that include over 90 mutual fund families. Over 3,000 mutual funds are available on two platforms: Retirement Solutions is Lincoln Investment's commission-based platform for consolidating retirement accounts, Retirement Solutions Premier is Lincoln Investment's fee-based platform which offers diversified mutual fund investment options, including no-load funds such as Vanguard Funds, and the ability to utilize professional money managers. We offer one-on-one investment counseling to help guide you to a sound financial future.
MetLife Resources (MLR) is a division of Metropolitan Life Insurance Company (MetLife) that specializes in implementing comprehensive defined contribution retirement plans for the nonprofit sector including educational, healthcare, governmental and other nonprofit employers. As a leader in the retirement services industry, our clients receive the best of both worlds — the institutional capabilities of one of the strongest and most respected financial service firms in the world coupled with personalized attention and a focus on the individual participant.
Our promise? To work with you to build a strong financial future. We have always believed in helping people like you, families like yours, to protect and preserve their financial security. Since 1845, we’ve been making sure our clients are prepared for whatever life has in store and that we will be there to help them face the future with confidence. We appreciate that we are being trusted with your most important assets, your family and your business. We take that responsibility seriously. For nearly 170 years, we’ve kept our promises to our customers. Keeping our promises to policy owners is just good business. Taking the actions needed to make sure we can deliver has helped us earn the highest possible ratings currently awarded to any life insurer for financial strength from each of the four credit-rating agencies. Out of roughly 1,000 life insurers doing business in the United States today, New York Life is one of only three to earn that distinction.
For more than 40 years, Security Benefit has helped education employees travel down the path To and Through Retirement®. Let us help you take the first step and move in the right direction.
(F) (FI) (VA) (RIA) (MF)
AIG Retirement Services (formerly VALIC) Representative(s)
for Ipswich Public Schools, Ipswich MA

Clinton Hyland
PHONE:(603) 594 - 8340

Ameriprise Financial Services, Inc. Representative(s)
for Ipswich Public Schools, Ipswich MA

Aspire Financial Services Representative(s)
for Ipswich Public Schools, Ipswich MA

AXA Equitable Life Insurance Company Representative(s)
for Ipswich Public Schools, Ipswich MA

Brighthouse Life Ins (MetLife CT/Travelers) Representative(s)
for Ipswich Public Schools, Ipswich MA

John Hanna
PHONE:(978) 646 - 3030

Global Atlantic Financial Group Representative(s)
for Ipswich Public Schools, Ipswich MA

Great American Insurance Group Representative(s)
for Ipswich Public Schools, Ipswich MA

1-800-438-3398 x17197
Horace Mann Life Ins. Co. Representative(s)
for Ipswich Public Schools, Ipswich MA

Lincoln Investment Planning Representative(s)
for Ipswich Public Schools, Ipswich MA

Tamara Indianer
PHONE:(781) 647 - 3050

1-800-242-1421 ext. 4500
MetLife Representative(s)
for Ipswich Public Schools, Ipswich MA

John Hanna
PHONE:(978) 646 - 3030

NY Life Ins. & Annuity Corp. Representative(s)
for Ipswich Public Schools, Ipswich MA

Security Benefit Representative(s)
for Ipswich Public Schools, Ipswich MA


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