NOTICE:

4th QUARTER – 401(k) NEXT OPEN ENROLLMENT

10/19/2009 – 10/30/2009


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FOR EXISTING PARTICIPANTS:

1. You can view your account statement and other account information anytime by going to the NextStep Website. -click here to view the NextStep User Manual if you need any help.

2. Your current, original and signed Beneficiary Designation Notice must be on file in Lindora’s Human Resources Department.  The designation on file in Human Resources supersedes the information entered on the BenefitStreet website. 

3. When you choose an IFA Portfolio, we recommend you select “Yes” for Automatic Rebalance.  If you selected “No” and want automatic rebalancing, please visit the NextStep website to change your selection. 

You can enroll or make changes online @ NextStep website. -click here to view the User Manual. Or you can download the printable "Participant Handout" or "Enrollment Kit" by clicking on the link. For other 401(k) information, please call Cindi Chow/Lindora Human Resources @ ext. 20225

NOTE: If you have any questions or need help with your IFA Portfolio choice, Please call Gordon Shuler / Index Funds Advisors, Inc. @ 888-643-3133. 

 

4/13/2009 : BenefitStreet changed to Nextstep

 

There has been a change in one of our 401(k) Plan service providers that we feel is a long term positive change, with only a minimal short term impact to you.

  1. A new company called Nextstep has replaced Benefit Street as the 401(k) Record Keeper.   Nextstep is a newly formed company that essentially transitions Benefit Street into a different, more streamlined company with the same management and operations team. 

  2. Participant log-in to the 401(k) website will involve automatic re-direction to the new site with an explanation about Nextstep replacing Benefit Street and that the correct site is being accessed.  The actual “look and feel” of the website will be the same other than the name change.
IF YOU HAVE ANY QUESTIONS OR CONCERNS, please contact Gordon Shuler 888-643-3133.

 

 


 

To: Lindora Employees,

Most of the time we are focused on meeting our current financial needs. But more and more, each one of us must pay attention to the other reason we work, which is to fund our needs during our retirement. Social Security will not be enough and the last thing we should do is to become a financial burden to our family in our golden years. This 401(k) retirement plan is designed to improve the quality of your life after you stop working.

Your participation is a recognition on your part that you understand this significant benefit provided by Lindora. It is the best way for you to save for your retirement and now you also have the optimal investment strategy to supplement your savings. The following pages explain why this is such a good strategy and the steps for you to implement it.

We have provided an overview of the entire 12 step program and a more detailed explanation of steps 10 and 11, since those are the most directly targeted to your 401(k) investment choices. If we can assist you in your understanding of this material please call Gordon Shuler or myself at 888-643-3133.

Sincerely,

Mark T. Hebner
President
Index Funds Advisors, Inc.

 
 
©2009 Index Funds Advisors, Inc. All rights reserved.

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WARNING: Past performance does not guarantee future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth more or less than their original cost. Investing in any mutual fund, index or actively managed, does not guarantee that an investor will make money, avoid losing capital, or indicate that the investment is risk-free. Actively managed funds sometimes outperform index funds. You just don't know in advance which actively managed fund will outperform the appropriate index. Just because a mutual fund is an index mutual fund, it does not guarantee a performance superior to an actively managed mutual fund. There are no absolute guarantees in investing. When reviewing any backtested performance information on this internet site, please read the Disclosure for Backtested Performance Information (click here to read the Disclosure for Backtested Performance Information.)

Index Funds Advisors, Inc.  —  19200 Von Karman Ave., Suite 150  —   Irvine, CA 92612  —  
Call Toll Free: 888-643-3133
Local Phone: 949-502-0050  —  Fax: 949-502-0048 — Email: info @ ifa.com