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 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

Platinum 403(b) Custodial Agreement

Platinum 457(b) Custodial Agreement

Platinum IRA Custodial Agreement