Retiring? Changing jobs?

Whether you’re retiring or moving into a different job, one of the most important decisions you face when you leave your employer is what to do with the savings you’ve accumulated.

You may want to explore your options at vanguard.com/retirementplans.

At vanguard.com/retirementplans, you can:

• Roll over retirement assets.
• Get investment advice tailored to your needs.
• And more.

If you prefer, you can speak to a Vanguard Participant Services associate at 800-523-1188 Monday through Friday from 7:30 a.m. to 8 p.m., Central time.

Among your options when you retire or change jobs is buying a lifetime income annuity with a portion of your savings.* Is a lifetime income annuity right for you? Visit Hueler Income Solutions or call 866‑996‑0087.

*Based on the claims-paying ability of the underlying insurance companies that issue the annuity.

Whether you keep your money where it is, move it to an IRA, or move it to another employer’s plan depends on your situation and preferences. Some things to consider are available investments and services, fees and expenses, and protection from creditors. Also consider withdrawal penalties, required distributions, and the tax effects of moving company stock to an IRA. There are other factors too. Weigh the pros and cons before you make your decision.