What’s Retirement All About?

Life offers so many possibilities—and adventures—both today and tomorrow.

You deserve to spend your retirement doing whatever makes you happy and fulfilled. But to do that, you’ll need monthly income you can rely on. And one of the best ways to help ensure you have that income is to start saving NOW!

Enrolling in the Teamsters-National 401(k) Savings Plan is one of the best things you can do to help yourself prepare for tomorrow.

The Teamsters-National 401(k) Savings Plan is an example of Teamsters using their combined buying power to negotiate valuable programs and services for members.

Under the laws governing 401(k) plans, before a member can join, an employer must agree to participate. The Plan’s trustees—one-half from the union and one-half from participating employers—monitor and direct the services provided by this Plan. It is a qualified 401(k) plan that lets you deduct a portion of your salary and save it in an investment account. And, it is governed by ERISA (Employee Retirement Income Security Act), which can help protect plan participants.

Prudential Retirement® (Prudential) provides administrative and investment services for the Teamsters-National 401(k) Savings Plan. The Board of Trustees selected Prudential after conducting a search and evaluation of retirement plan service providers.

Prudential Retirement Is Your Service Provider

Prudential Retirement knows that saving for retirement isn’t about facts and figures. It’s about having access to the right tools and the right people to help you make smart decisions every step of the way. So, whether you’re a 20-something who’s just starting your career or a seasoned veteran within reach of retirement, Prudential has the resources to help you find the financial freedom to do what you want to in retirement

Prudential Retirement provides the administrative and investment management services for over 6000 organizations in the United States. With over $901 billion in assets under management as of December 31, 2011, Prudential Financial is one of the nation’s largest financial institutions and a recognized leader in the retirement plan market. Their strategy is to help you grow and protect your wealth.

For more information

To learn more about the Teamsters-National 401(k) Savings Plan, access your account or enroll in the Plan:

Visit the Plan’s website, here—Prudential has developed a custom website for the Teamsters-National 401(k) Savings Plan. Here you will find important information, including investment option information, as well as access to:

Online Retirement Center – From this secure website, you can access your retirement plan information, including account balances, research your investment options and perform transactions.

Online retirement education – In addition to account access, you have access to a wide array of articles, calculators and tools to help you manage your retirement strategy.

Call Prudential Retirement’s toll-free telephone service at 1-877-778-2100 to obtain account information or perform transactions through your telephone keypad. Retirement Account Representatives are available to assist you Monday through Friday from 8 a.m. to 9 p.m. ET.

For all other inquiries regarding the Teamsters-National 401(k) Savings Plan, send inquiries to teamsters@Zenith-American.com.

Disclaimer

This information should not be taken as investment advice. For more information about saving for retirement and investing, check out the many consumer magazines available such as Money, Kiplinger’s Personal Finance Magazine and Smart Money. Most large bookstores have extensive investment and financial sections, and the public library is always a good source for books, magazines, and copies of specialized investment reporting service publications. If possible, you should also talk with a financial professional before making any investment decisions. Because you make the decisions regarding how to invest your plan money, the International Brotherhood of Teamsters, your employer, plan trustees and other fiduciaries are not responsible for any losses as a result of your decisions. Every effort has been made to ensure the Teamsters National 401(k) Savings Plan complies with Section 404(c) of the Employee Retirement Income Security Act.

Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its affiliates.

Neither Prudential Financial nor any of its representatives are tax or legal advisors. Please consult your individual legal or tax advisor with any specific questions.

Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

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