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Plan Details     North Reading Public Schools, North Reading MA
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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.
VALIC 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. VALIC advisors will meet with you, at your convenience, and assist in the design and implementation of a personalized retirement plan to fit your needs.
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.
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.
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 or can call OppenheimerFunds Retirement Plans Services at 800.835.7305 for assistance.

Oppenheimer funds are distributed by OppenheimerFunds Distributor, Inc. RPL0005.192
(F) (FI) (VA) (RIA) (MF)
AIG Retirement Services (formerly VALIC) Representative(s)
for North Reading Public Schools, North Reading MA

Robert Trudo
PHONE:(603) 594 - 8340

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

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

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

1-800-438-3398 x17197
Lincoln Investment Planning Representative(s)
for North Reading Public Schools, North Reading MA

Tamara Indianer
PHONE:(781) 647 - 3050

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

Edward Shelley
PHONE:(978) 646 - 3095

Oppenheimer Shareholder Svcs. Representative(s)
for North Reading Public Schools, North Reading MA


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