Voya Retirement Challenges Select Advantage

Report
Voya Select Advantage IRA
A Mutual Fund Custodial Account
Anthony Nizzi, AAMS
Divisional Sales Manager
CN0903-22048-0916
For registered representative use only. Not for public distribution.
Disclosures
Your clients should consider the investment objectives, risks, and charges and expenses of the mutual funds
offered through an individual retirement account carefully before investing. The prospectuses contain this
and other information and can be obtained by contacting your local representative. Please read the
information carefully before investing.
Mutual Funds offered through an individual retirement account are considered long-term investments designed for
retirement purposes. Withdrawals from a Traditional Individual Retirement Account (IRA) are generally subject to
Federal income tax, except for withdrawals of any after-tax or nondeductible contributions. An IRS 10% premature
distribution penalty tax will apply to all taxable distributions you receive before you reach age 59 ½, unless another
statutory exemption applies. Taxable distributions may also be subject to State income tax. Contributions to a Roth
Individual Retirement Account (Roth IRA) are made on an after-tax basis. Distributions of earnings from a Roth IRA
are not subject to Federal income tax, provided that certain Internal Revenue Code requirements are met.
Distributions that do not meet these requirements may be subject Federal income tax, including an additional 10%
Federal penalty tax. Refer to your Voya Select Advantage Disclosure Statement for further information. Taxable
distributions may also be subject to State income tax. Tax laws change frequently. Please consult your personal tax
advisor regarding taxation. Account values fluctuate with the market conditions, and when redeemed the principal
may be worth more or less than the original amount invested.
Voya Institutional Trust Company is the custodian for mutual fund custodial accounts distributed by Voya Financial
Partners, LLC (member SIPC) or other broker-dealers with which it has a wholesaling or selling agreement.
Recordkeeping services provided by Voya Retirement Insurance and Annuity Company (Windsor, CT). All named
companies are members of the Voya™ family of companies."
May Lose Value | Not A Deposit Of A Bank | Not Bank Guaranteed | Not FDIC/NCUA Insured | Not Insured By Any
Federal Government Agency
For registered representative use only. Not for public distribution.
The Opportunity
 10,000 baby boomers turning 65 daily
 Trend began in 2011
 Projected to continue for 19 years
 26% of the total population are Baby Boomers
 Baby Boomers Face Unique Challenges
Source – Pew Research Center
For registered representative use only. Not for public distribution.
3
Retirement Challenges
Pension
Plans
Social
Security
Personal Retirement
Savings
For registered representative use only. Not for public distribution.
4
Retirement Challenges
Source: National Center for Health Statistics, National Vital Statistics Reports,
Volume 58, Number 21. United States Life Tables, 2006.
For registered representative use only. Not for public distribution.
5
Retirement Challenges Defined Benefit Plan Trends
For registered representative use only. Not for public distribution.
6
Voya Select Advantage IRA
What is it?
What it is not:
 Personal retirement program
allowing clients to invest in a multimanager suite of mutual funds from
well-known fund managers
 Not an advisory account
 IRA account with one simple
record-keeping fee plus individual
fund expenses
Easy to present and easy to
service
For registered representative use only. Not for public distribution.
 Not an insurance product
 Not your typical retail IRA
program
 Not guaranteed
Voya Select Advantage IRA
Simple to Explain:
 No front-end loads
 No back-end fees
 No transaction fees
 No deferred sales charges
 No transfer-out fees
 Only cost from Voya is a Record Keeping Fee*
* Fund operating expenses also apply. Accounts with values less than $15,000
will incur a $50 annual maintenance fee. An annual recordkeeping fee of 0.50%-0.60% applies to all
accounts.
For registered representative use only. Not for public distribution.
Voya Select Advantage IRA
Typical Clients:
 Job changers and retirees
 Clients desiring to
consolidate retirement
assets
 Clients that need to diversify
current mutual fund assets
 Clients that don’t fit your advisory
platform
 SEP and SIMPLE IRA Plans
 Start-up IRA and Roth IRA
accounts
For registered representative use only. Not for public distribution.
Freedom to Choose
Over 120 funds from over 30 industry leading fund managers covering all major sectors
Mutual funds offered through a retirement plan are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59 ½ an IRs 10% premature distribution penalty tax may apply. Money distributed from the
program will be taxed as ordinary income in the year the money is received. The mutual fund values fluctuate with market conditions, and when surrendered, the principal may be worth more or less than it original amount invested.
You should consider the investment objectives, risks, and charges and expenses of the mutual funds offered through an individual retirement
account carefully before investing. The prospectuses contain this and other information and can be obtained by contacting your local representative.
Please read the information carefully before investing.
For registered representative use only. Not for public distribution.
Facts At-a-Glance
Minimums:
$5,000
initial investment
$1,000 additional contributions
$100 minimum automatic monthly investments
Record Keeping Fee:
Total Assets
Annual Record Keeping Fee
$0 to $49,999
0.60%
$50,000 to $99,999
0.55%
$100,000 and above
0.50%
*accounts under $15,000 are assessed a $50 annual account fee
For registered representative use only. Not for public distribution.
Facts At-a-Glance
Additional Features:
 Automatic Asset Reallocation
 Dollar Cost Averaging
 Block Reallocations
 Agent Initiated Withdrawals
 Access balances over the phone or online
 Dividend Sweeps
 Prospectuses on CD or Website
For registered representative use only. Not for public distribution.
Voya Select Advantage IRA
Registered Representative’s need to know:
 Only need a Series 6/63 registration
 Upfront plus trail based compensation
 1% upfront compensation with .50% annual trail
starting in year 2
 1-Stop website for product information and
paperwork
 www.voyaselectadvantage.com
For registered representative use only. Not for public distribution.
Password: Advantage
Voya Select Advantage IRA
Marketing Support
 Client Material – Prospecting and Customizable
 www.voyaselectadvantage.com Password: advantage
 Sales Ideas
 Diversifying non-diversified IRA mutual fund assets
 Talk about 401(k) rollovers with your clients
 Assist clients outside your threshold for advisory accounts
For registered representative use only. Not for public distribution.
THANK YOU
Help your clients grow, protect and enjoy their Orange MoneyTM
For more details, please contact the Sales Desk: 800-344-6860
For registered representative use only. Not for public distribution.

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