NOVELL EMPLOYEES & CHANGING EMPLOYMENT:

CURRENT NOVELL EMPLOYEES:

The Fidelity BrokerageLink option of your 401-k plan provides very attractive planning opportunities over your Standard 401-k`s investment choices (that are limited to about a half-dozen, generally: famous, gigantic, average performing, funds).  The difference between an average performing fund and a fund in the top 25% or better of the same asset class, is usually tremendous -- the trick is regularly finding the top 25% fund and not getting killed with complicated and confusing commissions and transaction fees via the "mine field" of the BrokerageLink system.  This is an area where ROI`s ongoing services can be of tremendous value.

Personal budgets often limit how much employees can allocate between their Novell 401-k Plan contributions and Stock Purchase Plan.  ROI can perform Kids` Goals and Retirement analyses that will help maximize appropriate allocations to capture the guaranteed no risk returns of 401-k matching and stock purchase plan discounts.

Interested?  Call, fax or e-mail us -- see below.

RECENTLY LEFT OR SOON LEAVING, NOVELL OR OTHER CURRENT EMPLOYMENT:

Leaving an employer can be an emotional experience, but it provides some very special planning opportunities.  One great opportunity is rolling over your 401-k to a R.O.I. professionally managed IRA account.   This is such a great opportunity because you can get all of those retirement dollars: 

1. Out of the very limited choices (i.e., a limited number of famous, gigantic, average performing funds) of the Novell Standard 401-k plan or any other employer`s plan;
2. Out of the Fidelity BrokerageLink system's complicated trading restrictions and somewhat limited choices; and, 
3. Into an actively managed IRA account where literally 1000s of no-load, no-transaction fee funds are available.

Other planning opportunities of leaving an employer involve professional advice relative to:

1. Exercising Stock Options or other special benefits;
2. Use of Severence Pay;
3. Planning Needs for Kids` Goals, Retirement, Death, Disability, Long Term Care, Estate, and Asset Protection; and,
4. Coordinating New Employer Benefits or Self Employment Benefits with an R.O.I. actively managed IRA account and your Planning Needs.

Interested?  Call, fax or e-mail us -- see below.

351 East 140 North, Lindon, UT 84042-2004
Phone: 801.785.3254 Fax: 801.785.3244 Email: ronaldolsoninc@gmail.com