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Plan Details     LaFayette CSD, LaFayette NY
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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.
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. Aspire403b.com'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 axa.com/myretirementgoal.
Foresters Financial™ is an international financial services provider with more than three million clients and members in the United States, Canada and the United Kingdom. With a history of more than 140 years, we provide retirement, savings and investment solutions as well as life insurance, that help families achieve their financial goals, protect their families and improve their communities. Foresters Financial Services, Inc. currently serves over 1,800 school districts throughout the United States. For more information, visit foresters.com, call 800 423 4026 or write to Foresters Financial Services, Inc. at 40 Wall Street, New York, NY 10005.
Founded in 1851, Massachusetts Mutual Life Insurance Company (MassMutual) is a leading mutual life insurance company. MassMutual has a long history of financial strength and strong performance. MassMutual Artistry is our flagship 403(b) annuity product currently featuring no administrative fee, no loan fee and non-rolling surrender charges. Paint your own portrait of retirement with MassMutual Artistry.

Contact us at 800-272-2216
OppenheimerFunds, Inc. has been helping plan participants achieve their financial goals since 1960, and have been offering 403(b)(7) plans since 1983. We are one of the nation’s largest and most respected asset management firms. Our 403(b) plan offers a flexible, long-term savings solution, solid investment options and investor services and support. All 403(b)(7) participants have access to oppenheimerfunds.com or can call OppenheimerFunds Retirement Plans Services at 800.835.7305 for assistance.

Oppenheimer funds are distributed by OppenheimerFunds Distributor, Inc. RPL0005.192
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.
The Legend Group is a 403(b)/457(b) investment provider offering quality investment solutions like American Funds, Fidelity Advisor Funds, Oppenheimer Funds, BlackRock Funds, Waddell & Reed, and Security Benefit to name a few of the 80+ mutual fund families available through the Legend offering.The Legend Group has worked with employers to help their employees prepare for their retirement for nearly 50 years. Contact a Legend Group Financial Professional today.
Voya Financial has designed Opportunity Plus - a tax-deferred variable annuity contract issued by Voya Financial (formerly ING Life insurance and Annuity Company) - specifically for the New York State public education faculty and staff. Local Voya Financial representatives are available to help you understand your choices, and work with you to review and adjust your plan to ensure it keeps pace with the changes in your life. Find your local Voya Financial representative at oppplus.beready2retire.com
(F) (FI) (VA) (RIA) (MF)
Aspire Financial Services Representative(s)
for LaFayette CSD, LaFayette NY

1-866-634-5873
AXA Equitable Life Insurance Company Representative(s)
for LaFayette CSD, LaFayette NY

Greg Ronneburger
PHONE:(315) 425 - 6334
EMAIL:gregory.ronneburger@axa-advisors.com
WEBSITE:www.cnyretirementplanning.com

1-800-628-6673
Confidential Planning - MultiChoice Representative(s)
for LaFayette CSD, LaFayette NY

Foresters Financial (First Investors) Representative(s)
for LaFayette CSD, LaFayette NY

1-800-423-4026
Mass Mutual VA Representative(s)
for LaFayette CSD, LaFayette NY

1-800-272-2216
Oppenheimer Shareholder Svcs. Representative(s)
for LaFayette CSD, LaFayette NY

1-800-835-7305
RiverSource Life Insurance Co of NY Representative(s)
for LaFayette CSD, LaFayette NY

James Prioletti
PHONE:(315) 234 - 7021
EMAIL:James.F.Prioletti@ampf.com
WEBSITE:http://www.ameripriseadvisors.com/james.f.prioletti

1-800-297-2012
Security Benefit Representative(s)
for LaFayette CSD, LaFayette NY

Tom Bird
PHONE:(315) 422 - 5868
EMAIL:tombird@legendequities.com
WEBSITE:www.nearetirementprogram.com

1-800-888-2461
The Legend Group/ADSERV Representative(s)
for LaFayette CSD, LaFayette NY

CHRISTOPHER J. HARRIS
PHONE:(315) 422 - 5868
EMAIL:christopherharris@legendequities.com
WEBSITE:www.legendgroup.com

1-877-819-7455
Voya Financial (Natl NY) Representative(s)
for LaFayette CSD, LaFayette NY

Thomas Dinapoli Jr. CRPC
PHONE:(315) 431 - 6360
EMAIL:tdinapoli@voyafa.com

1-800-584-6001

Effective July 1 2012, the following Service Providers are no longer authorized to establish new 403(b) accounts for this plan. Please note, Employees contributing to one of these service providers as of July 1, 2012 may continue their contributions without interruption.

American Fund/Capital Guardian  
Brighthouse Life Ins (MetLife CT/Travelers)  
Cadaret, Grant & Co.  
Fidelity Management Trust Co.  
USAA Life Insurance Co.  
Vanguard Fiduciary Trust Co.  
Voya Financial (VRIAC)  


For any questions concerning your employers list of participating providers, please contact OMNI at 877-544-6664.


  Salary Reduction Agreement (SRA):
>  Online >  PDF

For assistance determining the proper service provider transaction form to submit for your situation, please review our Transaction Instructions page.

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>  Service Based Catch-Up Request:
>  Online>  PDF


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