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Plan Details     Oyster Bay-East Norwich CSD, Oyster Bay 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.
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.
Lincoln Investment is a broker/dealer and investment advisory firm with more than 45 years' experience. Our mutual fund Custodial platform offers investment choices that include over 65 mutual fund families. Over 2,500 mutual funds are available on two platforms: RetirementSOLUTIONS is Lincoln Investment's proprietary, commission-based platform for consolidating retirement accounts, RetirementSOLUTIONSPREMIER is Lincoln Investment's proprietary, 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 that specializes in providing retirement plan products and other financial products and services to healthcare, educational, governmental and other nonprofit employers and their employees. With more than $36 billion in retirement assets1 under administration encompassing 20,000 employer groups2, MLR, as an industry leader, helps millions of employees plan and save for their retirement every day.

1 LIMRA Not-for-Profit Report, 3rd Qtr. 2013
2 MetLife Payroll Slot Report Data as of 3/31/2013
PlanMember Services along with its distribution partner Mutual, Inc., for nearly three decades, provides a diverse selection of investment options including mutual funds (including Vanguard & Fidelity), fixed and variable annuities and professionally managed mutual fund advisory services through a financial advisor. One consolidated application, salary reduction agreement and quarterly statements with access to account information online or through a participant call center. All participants are offered a complimentary plan and savings or retirement income analysis along with an online retirement plan review annual check-up. Employee retirement solutions all in one package. Contact us at 631-467-2211 or at 800-874-6910 for a local financial advisor in your area.
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
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.
PlanMember Services along with its distribution partner Mutual, Inc., for nearly three decades, provides a diverse selection of investment options including mutual funds (including Vanguard & Fidelity), fixed and variable annuities and professionally managed mutual fund advisory services through a financial advisor. One consolidated application, salary reduction agreement and quarterly statements with access to account information online or through a participant call center. All participants are offered a complimentary plan and savings or retirement income analysis along with an online retirement plan review annual check-up. Employee retirement solutions all in one package. Contact us at 631-467-2211 or at 800-874-6910 for a local financial advisor in your area.
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
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)
AXA Equitable Life Insurance Company Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

Elliot Altman
PHONE:(516) 358 - 3769
EMAIL:elliot.altman@axa-advisors.com

1-800-628-6673
GWN/Employee Deposit Acct Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

CGAA
PHONE:(631) 232 - 7900
EMAIL:cgaa@gwnsecurities.com
WEBSITE:www.gwnsecurities.com

1-561-472-2700
Lincoln Investment Planning Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

Daniel Safranek
PHONE:(631) 366 - 2237
EMAIL:Dsafranek@lincolninvestment.com
WEBSITE:www.lincolninvestment.com

1-800-242-1421 ext. 4500
MetLife Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

Laurinda Ferreira
PHONE:(516) 686 - 7008
EMAIL:lferreira@blueocean.us.com

MetLife  
Mutual Inc/PlanMember Services Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

Richard Justino
EMAIL:rjustino@planmembersec.com
WEBSITE:planmember.com/rjustino

1-800-624-0062
Oppenheimer Shareholder Svcs. Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

1-800-835-7305
ROTH - GWN/Employee Deposit Acct Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

CGAA
PHONE:(631) 232 - 7900
EMAIL:cgaa@gwnsecurities.com
WEBSITE:www.gwnsecurities.com

1-561-472-2700
ROTH - Legend Group/ADSERV Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

RUSSEL SANDS, CRC
PHONE:(631) 244 - 8201
EMAIL:russelsands@legendequities.com
WEBSITE:www.legendgroup.com

1-877-819-7455
ROTH - Mutual Inc. Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

Richard Justino
EMAIL:rjustino@planmembersec.com
WEBSITE:planmember.com/rjustino

1-800-874-6910
ROTH - Voya Financial (Natl) Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

Stephan Coles
PHONE:(631) 755 - 0826
EMAIL:stephan.coles@voyafa.com

Steve Grande
PHONE:(631) 755 - 0848
EMAIL:stephen.grande@voyafa.com

1-855-663-8692 or 1-800-584-6001
The Legend Group/ADSERV Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

RUSSEL SANDS, CRC
PHONE:(631) 244 - 8201
EMAIL:russelsands@legendequities.com
WEBSITE:www.legendgroup.com

1-877-819-7455
Voya Financial (Natl NY) Representative(s)
for Oyster Bay-East Norwich CSD, Oyster Bay NY

Stephan Coles
PHONE:(631) 755 - 0826
EMAIL:stephan.coles@voyafa.com

Steve Grande
PHONE:(631) 755 - 0848
EMAIL:stephen.grande@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.

Mutual, Inc.  


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


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