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Five Smart Reasons to Save for
Retirement With a §401(a) Governmental Plan

Tax-deferred treatment of employer contributions – Income taxes on the contributions are not paid until distribution.1
Tax-deferred treatment of earnings – Taxes on any investment earnings in a
§401(a) account are tax-deferred. This way, you don’t pay taxes on anything your account earns until it is distributed.1 Withdrawals are taxed as ordinary income, but the impact may be minimized as many investors find themselves in a lower tax bracket at retirement.
A variety of investment options1 – With a Legend §401(a) Governmental plan, you may choose from a wide variety of investment options, including a selection of nationally recognized mutual funds, and you can change your investment mix as your needs change.
Access to Professional Investment Management Services – Through your Legend Group financial advisor, you have the opportunity to participate in Legend Advisory Corporation’s Strategic Asset Management® (SAM®) and SAM® Select services. These programs were designed to make professional asset allocation techniques, investment selection and ongoing investment management available to individual investors. SAM® and SAM® Select offer a range of diversified2 portfolio options that are managed by a team of experienced investment professionals.
Guidance from a professional Financial Advisor – Your Legend Advisor is available to help you as you work toward building your financial future. He or she can answer your questions, work with you to develop a viable investment strategy and assist you in selecting the investment options that may best reflect your needs. Your Advisor can also provide information about your state retirement plan, and offer ongoing guidance as you work to reach your investment goals.
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1Distributions from a traditional retirement account are subject to ordinary income taxes in the year distributed. Distributions prior to age 59½ may incur an additional 10% penalty.

2Diversification does not assure a profit or protect against market loss.

Legend Equities Corporation and its affiliates do not provide tax information or advice.

Before investing in a mutual fund, consider its investment objectives, risks, charges and expenses carefully. The prospectus, which contains this and other information about the mutual fund, can be obtained by contacting Legend Equities Corporation. Please read the prospectus carefully before you invest or send money.