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:
- 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;
- Out of the Fidelity BrokerageLink system's complicated trading restrictions
and somewhat limited choices; and,
- 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:
- Exercising Stock Options or other special benefits;
- Use of Severence Pay;
- Planning Needs for Kids` Goals, Retirement, Death, Disability,
Long Term Care, Estate, and Asset Protection; and,
- 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: ronolson@itsnet.com
