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    403(b) Sales Tactics - Don't Be Fooled

    Date: Fri, 14 Aug 2015 19:19:03 -0400

    From: "CTAinvest.org" <business_initiatives@cta.org>

    Subject: 403(b) Sales Tactics - Don't Be Fooled

    The beginning of the school year is here and 403(b) representatives and/or vendors will be gearing up their marketing activities. This may include mailings to your home, email solicitations, or offering you pizza in the faculty lounge.

    Some 403(b) vendors will offer to provide you with information on your "State Retirement Benefits" or "Free CalSTRS or CalPERS estimates." These are often used as sales tactics to secure an appointment to sell you an insurance product.

    It's easy to use the CalSTRS or CalPERS on-line tool for an estimate of your retirement benefit. Visit http://resources.calstrs.com/CalSTRSComResourcesWebUI/Calculators/Pages/RetirementBenefit.aspx for CalSTRS

    or https://www.calpers.ca.gov/page/active-members/retirement-benefits/service-disability-retirement/retirement-estimate-calculator for CalPERS.

    Or, if you are interested in meeting with a counselor, visit http://www.calstrs.com/local-counseling-offices for a list of offices or to schedule a telephone benefits counseling session or https://www.calpers.ca.gov/page/contact for CalPERS. 

    You can also visit CTAinvest.org http://ctainvest.org/home.aspx which includes videos, consumer guides, calculators and other tools to help you make an informed decision with your 403(b) or 457 investments.

    Don't be pressured into making a quick decision. Some products carry high fees and surrender charges. Before purchasing a product, be sure to ask the representative to disclose ALL fees and commissions, and put their recommendations in writing. Read or download the free CTA guide to SELECTING A 403(b)/457 ADVISOR & Understanding Plan Fees

    https://www.ctamemberbenefits.org/Tools%20And%20Resources/Forms%20and%20Materials/~/media/Publications/CTAinvest/guidetoworkingwith403badvisor%202-20-15%20spreads.ashx.

    You have options - check out 403bCompare.com https://www.403bcompare.com/ for a list of 403(b) vendors including disclosure on fees and performance.

    Click here to view the web version or Mobile version for the above information from CTA:

    https://www.magnetmail.net/actions/email_web_version.cfm?recipient_id=975461982&message_id=10779774&user_id=CTA_&VERSION=TEXT&group_id=2207002&jobid=29248258

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