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 advisor, 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 400 mutual funds representing more than 20 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. The current crediting is guaranteed not to be less than 2.05% net through 3/31/2022
• 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 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

Custody Agreement Access

Money by Design 403(b) Custodial Agreement

Money by Design 457(b) Custodial Agreement

Money by Design IRA Custodial Agreement