Money by Design
Delivered exclusively by Kades-Margolis Corporation
Kades-Margolis Capital, LLC offers a unique retirement savings solution - the Money by Design program. This program allows individuals, with the help of their financial professional, to customize their retirement plan in unique ways.
Benefits of Money by Design
Tax-Deferred or Tax-Free Growth
• Tax-Deferred 403(b), 403(b)(7), 457(b), IRA, SEP or Simple IRA
• Tax-Free Roth 403(b), 403(b)(7), or Roth IRA
• Roth must be held for 5 years and through age 59 1/2 to be tax-free
Hundreds of Flexible Investment Options
• Move between funds, fund families and the Fixed-Interest Annuity Option at no additional charge
• Choose from over 500 mutual funds representing more than 41 fund families
Lincoln Stable Value Account *
• The Lincoln Stable Value Account offers a guaranteed fixed interest rate. The interest rate is declared semi-annually and credited daily based on an annual effective rate
• Guaranteed minimum interest rate of 2.00% net
• Group fixed annuity issued by The Lincoln National Life Insurance Company
• There are no fees if a participant moves from the Stable Value Account investment option to another investment option.*
*Guarantees are based on the claims-paying ability of issuing Insurance Company.
Optional Automatic Rebalancing Feature
• This option automatically realigns your portfolio to maintain your desired allocation: Quarterly, Semi-Annually, or Annually
Optional Dollar Cost Averaging
• Dollar Cost Averaging is a strategy which invests equal monetary amounts regularly over a specific time period
Consolidated Quarterly Statements
• All of your investments are listed on a single quarterly statement and also available via our website with an option to specify any date range
• E-mail confirmations sent for lump sum rollovers, transfers or exchanges
Convenient Account Access
• Available via myaccount.4kmc.com website or toll-free telephone support with our client service representatives from 8:00 am to 8:00 pm, Monday through Friday: 1-800-940-5524
Loan Provision
• Available where allowed by both employer plan document and federal regulations
• Minimum loan $1,000 and maximum loan is 50% of account value up to $50,000
• 100% of interest paid on loan is credited back to participants account
• Maximum of two outstanding loans at one time
EDUCATION - VIDEOS - CALCULATORS
Kades-Margolis is a member of the U.S. Retirement and Benefit Partners (USRBP) family of companies. USRBP provides a suite of financial wellness tools that may be helpful to you. However, please note that you are leaving the Kades-Margolis Corporate website. The information on the external website is being provided as a courtesy to you. By clicking "I understand" below, you understand that Kades-Margolis nor GWN Securities make any representation as to the completeness or accuracy of information provided on any external websites.
