403b Integrity Test

1

What is the highest official job title of the salesperson hoping to sell you a plan?* This field is required.

Life Insurance Agent

Registered Rep

Investment Advisor Rep

Certified Financial Planner®

2

What type of District retirement plan is this person proposing you invest in?* This field is required.

Variable Annuity TSA

Fixed Annuity TSA

Equity Indexed Annuity TSA

Variable Annuity 457

Custodial 457

Custodial 403b7

3

In which type of investments will their plan invest your salary deferrals?* This field is required.

Subaccounts in an annuity or TSA

Mutual funds in a custodial account

4

How many fund choices are offered on their plan's investment menu?* This field is required.

20 choices or less

21 to 49 choices

50 choices or more

5

Aside from fund expenses charged on those investments, what is their total Annual Account Fee or "Mortality and Expense Charge"?* This field is required.

Less than 1.00%

1.00% to 1.35%

1.36% or higher

6

If you opt to leave their plan within the first year, what charge will they deduct from your balance to allow you to transfer your remaining assets to another plan?* This field is required.

9.0% or more

5.0% to 8.9%

1.0% to 4.9%

Only a transfer fee of $100 or less

7

How much upfront commission will the salesperson earn if you open an account with their retirement plan?* This field is required.

6.0% or more

3.0% to 5.9%

1.0% to 2.9%

No commission is paid.

8

Here is their score, based on your input. A perfect score is 100. Any score under 70 suggests their plan may be designed to do more for their financial bottom line than it will for yours. We will be in touch! -- 403bCoach.com