A wide array of core investment options is available through your Plan. Each option is explained in further detail below. Investment option information is also available through Customer Service at 1-800-232-0024 .

• Investment Options – Provides the investment objective, holdings, a breakdown of the fund's assets by industry, the risk level, and the fund manager for each of your available investment options.
  
  
• Fund Performance – Lists all of the available investment option returns for: year to date, one year, three years, five years, 10 years or since inception.
  
  
• Online Prospectuses – The most up-to-date regulatory documents associated with your Plan, including fund prospectuses, annual reports and semi-annual reports.

A prospectus is only available for registered investment options. Disclosure documents for unregistered products can be obtained from your registered representative. For prospectuses related to investments in the TD Ameritrade self-directed brokerage account, contact TD Ameritrade by calling (866) 766-4015.

What is a Self-Directed Brokerage Account?
The Self-Directed Brokerage Account (SDBA), offered by TD Ameritrade, A Division of TD Ameritrade, Inc., allows you to select from numerous mutual funds for an additional cost or costs. These securities are not offered through Empower Retirement.

For whom is this investment option appropriate?
The SDBA is for knowledgeable investors who acknowledge and understand the risks associated with many of the investments contained in the SDBA. By utilizing the account, you acknowledge that none of the available options in the SDBA have been reviewed for suitability by your employer, Plan sponsor, SDBA Provider, or Empower Retirement. You are solely responsible for determining the suitability of the investments that are available in the SDBA. You agree to fully indemnify and hold harmless your employer, Plan sponsor, SDBA Provider, Empower Retirement, and any and all service providers to the Plan against any claims, damages or other causes of actions which may arise as a result of any negative consequences resulting from using the SDBA. Before investing, investors should carefully consider a fund's investment objectives, risks, charges and expenses. Fund prospectuses contain this and other important information, and may be obtained by contacting your SDBA Provider. Investors should read prospectuses carefully before investing.

How do I get started?
Log in to your account and click on the "Investments" tile and then "Self-Directed Accounts" and complete the enrollment process online. Once the SDBA has been established, you will receive a welcome kit from TD Ameritrade. If you're not already enrolled in your Plan, complete your Plan's enrollment form. For more information, contact TD Ameritrade at (866) 766-4015.

Brokerage services provided by TD Ameritrade Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. All rights reserved. Used with permission. Additional information can be obtained by calling TD Ameritrade at (866) 766-4015. TD Ameritrade and GWFS Equities, Inc. are separate and unaffiliated.

 

Your KPERS 457 Plan offers access to two different levels of investment advisory tools and services called Empower Retirement Advisory Services (Advisory Services), available through Advised Assets Group, LLC (AAG), a registered investment adviser. You can have AAG assist with management of your retirement account, using the Online Investment Advice service or you can take advantage of the Online Investment Guidance tool which can provide helpful educational information regarding your account. Advisory Services provide a retirement strategy based on your investment goals, time horizon and tolerance for risk.

There is no guarantee that participation in any of the advisory services will result in a profit or that the account will outperform a self-managed portfolio invested without assistance.

What costs do I pay to participate in Advisory Services?
There is no additional cost to use Online Investment Guidance or Online Investment Advice.

How can I get assistance with a retirement income strategy?
When you participate in either of the Advisory Services options, you are provided with the added benefit of Spend-Down Advice at no additional charge. This feature helps you determine how much to withdraw from each of your retirement accounts each year during retirement.

How do I enroll in Advisory Services?
Log in to this website and select "Advisory Services," or call Customer Service toll free at 1-800-232-0024 for more information on enrolling in Online Investment Advice. There is no enrollment necessary to utilize the Online Investment Guidance tool.

Empower Retirement Advisory Services are offered by Advised Assets Group, LLC, a registered investment adviser and wholly owned subsidiary of Great-West Life & Annuity Insurance Company.