A pause along your journey

1
A pause along your journey

• Personal ConsiderationsIf you need more space
  for the below questions, feel free record your
  answers on another sheet of paper.
• When you retire, where do you want to be? Live?
• What quality of life considerations will be
  most important to you? (Spending time with family
  and friends, moving to a certain city or town,
  sleeping soundly each night with the knowledge
  you are financially secure, having bills paid
  off, etc)
• Will you continue to work part time?
• Will you consider moving to a smaller house,
  apartment or condo?
• What leisure activities do you look forward to?
  (Hobbies, travel, sports, volunteering,
  involvement in civic or church-related
  activities, recreation, taking classes, etc.)
• What are your lifelong goals? What are the things
  you hope to accomplish?
• Who will depend on you financially?
• If you were to retire tomorrow, what percentage
  of your annual income do you think you would need
  to live on? (e.g., 70, 80, 90, 100 ??)
• What future financial needs will you encounter?
  (Health insurance costs, planning for Long Term
  Care needs, tax and estate planning
  considerations, gifting to your children or
  grandchildren, etc).
• When you think of your ideal retirement, do any
  other thoughts or aspirations come to mind?

2
A pause along your journey

• Financial Considerations
• Log onto www.bpas.com, select Participant
  Accounts / Retirement Account, then log into your
  account. (If you have not logged in before, your
  initial login is generally your SSN plus your
  Date of Birth, but must be changed upon first
  access to the site). Follow the instructions on
  the page to log in, and if you have any problems,
  please call our Call Center at 866-401-5272
  (option 3, option 3).
• Determine what percentage of your account is
  invested in
• U.S. stock funds ________
• Foreign stock funds ________
• Bond funds ________
• Cash / stable value ________
• For additional assistance on the subject of
  investing, including sample investor portfolios,
  please see the What mix of funds is right for
  you? worksheet within the participant website.
  If you feel any investment changes are warranted
  for your account, please make those account
  realignments through the participant
  website.Note For fact sheets, prospectuses and
  additional information on your fund lineup,
  please see the participant website.
• What percent of pay are you currently
  contributing to the plan? Enter here _________
• In the participant website, select the Resource
  Center tab, then select Retirement Financial
  Calculators. Run an analysis of your financial
  situation using the Savings Calculator and the
  Retirement Shortfall Calculator.
• Are you saving enough in the 401(k) Plan to reach
  a successful retirement? Yes / No (circle
  one)How far off track do you feel you are?
• If you answered No to question 5, what percent
  of pay would you need to save to fill the gap?
  _______ of pay
• Can you increase your deferral rate now? What new
  contribution rate could you live with? _______
• Check this box after you have submitted your
  deferral rate change form to Human Resources
  (plans using online enrollment can make this
  change in the participant website).
• If you have experienced any life changes which
  require an updated beneficiary form, check this
  box after you have updated your beneficiary form
  with Human Resources.
• Its important to revisit these issues annually
  and make any needed adjustments. Mark your
  calendar for next year as a reminder to repeat
  this valuable exercise.

Broken down as _____ Large Cap _____ Mid
Cap _____ Small Cap