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your $ A magazine from WEA Member Benefits

SPRING

2016

GET WISE. How are you spending your insurance dollar?

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your retirement

Is it time to write a “Dear John” letter to your financial planner?

your insurance

What kind of insurance consumer are you?

your kiosk

Make your tax refund work for you.


your $ {

CONTENTS SPRING 2016

3 YOUR ACCOUNT - Privacy notices sent out.

- Avoid inactive account fees. - Keep your account info up to date. - Daylight savings is a good time to schedule home safety tasks.

4 YOUR RETIREMENT - Is it time to write a “Dear John” letter to your financial planner or product provider? - Your “who’s who” FYI.

6 YOUR STORY

- Read about member Sharon Morell‘s unfortunate encounter with a deer on Christmas and what happened after.

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8 YOUR INSURANCE

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- What kind of insurance consumer are you?

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10 YOUR KIOSK

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- Bank vs. credit union.

- Getting a tax refund? Don’t book a vacation before you read this. - Home remodels should prompt a review of your insurance coverage.

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president’s letter Dave Kijek, President/CEO, WEA Member Benefits

Follow us. © 2016 WEA Member Benefit Trust. All rights reserved.

Get wise with Member Benefits Would you take 30 minutes out of your busy schedule for...$50,000?...or even $150,000? Becoming a wise consumer is key to making good decisions with your finances. And while you may not have thought about it this way before, having the right insurance coverage is a big part of your financial plan. If you happen to be underinsured on your home or auto insurance or if you don't have umbrella insurance to protect yourself and your

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family from liability risk, you could find you're more financially vulnerable than you thought. Following three basic principles for purchasing insurance can help you avoid costly mistakes and make the best use of your insurance dollar. Read our article on page 8, then schedule a 30-minute insurance consultation to evaluate your coverage and find out how well your insurance fits your needs. It could save you a lot of money and will definitely give you peace of mind. Then keep reading! There’s a lot of good consumer information in this issue, from what you should expect from your financial planner to how your tax refund

can improve your finances in both the short- and long-run to what the difference is between a bank and a credit union. Recently, I received a thank you letter from member Sharon Morell, who was in a car accident on Christmas. She wrote to thank us for providing excellent customer service. (Read her story on page 6.) I'm thrilled that we exceeded her expectations, but members shouldn't be surprised when they receive the service they deserve from Member Benefits. Whether it’s helping you with an insurance claim, answering questions about retirement savings, or helping you create a financial plan, providing great service is our top priority. weabenefits.com


{ your account IRA and 403(b) news Privacy notice enclosed with your letter

Protection of your nonpublic personal financial information is very important to us. The privacy notice was sent to all participants along with the letter regarding recent mutual fund changes (see article on page 11). Please read this information carefully.

Avoid inactive account minimum annual fee

There is a minimum annual fee of $25 for an inactive WEAC IRA and/or WEA TSA Trust 403(b) account with balances less than $5,556 (IRA) or $7,143 (403(b)). Inactive accounts are accounts with no contributions within a calendar year. You can avoid the fee with the IRA by making a single contribution at any time during the calendar year if you qualify. Also consolidating other accounts into your WEAC IRA and/or WEA TSA Trust 403(b) account could help reduce the amount of fees you are paying. Give us a call at 1-800-279-4030 to review your account and discuss other factors you may need to consider when consolidating.

Did you change where you bank or move to a new address?

Make sure your electronic contributions to your WEAC IRA and/or personal insurance continue without interruption by notifying us if you have changed where you bank or if your account information has changed. Likewise, if you have moved, please contact us with your new address to ensure timely delivery of important information.

IRA 5498 forms on their way

Form 5498 is an informational tax form to be sent at the end of May to all Traditional and/or Roth IRA account holders. The form reports the December 31, 2015, fair market value as well as any contributions, transfers, rollovers, conversions, and/or recharacterizations received in the account for 2015. Content in this magazine is for informational purposes only and is not intended to constitute legal, financial, or tax advice. Certain recommendations or guidelines may not be appropriate for everyone. Consult your personal advisor or attorney for advice specific to your unique circumstances before taking action. The Trustee Custodian for the WEAC IRA accounts is Newport Trust Company. The 403(b) retirement program is offered by the WEA TSA Trust. TSA program registered representatives are licensed through WEA Investment Services, Inc., member FINRA. See mutual fund disclosure on page 11.

{ Want to improve your financial literacy knowledge?

The National Institute of Financial and Economic Literacy (NIFEL) offers an annual summer institute series for educators on financial literacy with three courses to choose from. Some scholarships may be available. Visit edgewood.edu/NIFEL for information and to register.

{ Have a story to tell or article suggestion?

Send an e-mail to memberbenefits@weabenefits.com. Type “your$” into the subject line.

weabenefits.com

A timely reminder

Daylight saving time is a good time for home safety checks Many of us look forward to “longer days” as we change our clocks to daylight saving time. It’s also a good time to move forward on some important household tasks to help keep you and your family members safe. Did you get this to-do list done yet? Change alarm batteries. Fresh batteries help ensure your smoke alarm and carbon monoxide detectors will work properly. Today that’s more important than ever as modern homes can go up in flames in just three minutes (see our Winter 2015/16 your$ magazine). Replace smoke alarms every 10 years, both hard-wired and battery (National Fire Protection Association, nfpa.org). Review your fire escape plan. Make sure everyone in the family knows what to do and where to be in case of fire. Visit nfpa.org for help on a basic plan. Inspect fire extinguishers. Make sure extinguishers are easily accessible, pressure is normal, and nothing is damaged or excessively worn or corroded. Change furnace filter. Many furnaces need a new filter about four times a year. Clean your dryer vent. Lint lodged in vents and ducts or the space behind your dryer can cause a fire. You can look up ways to do this yourself or hire a professional. Check your emergency kit. Make sure your first-aid kit is adequately stocked and add fresh batteries for flashlights. Prepare for tornado weather. Purchase a weather radio or sign up for severe weather phone alerts. Pick a safe interior room on the lowest level to meet during tornado warnings.

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{ your retirement

easy

Breaking up is hard to do Dear John,

This is one of the hardest letters I have ever had to write, but I’m going to get right to the point. We’re through! I just can’t take it anymore. I no longer trust you. I need a partner who has my best interest at heart. When we first started out, I had such high hopes. You told me everything I wanted to hear. I was so enthralled with the potential of our relationship and the prospect of building financial security for me and my family with someone I trusted. It was so comforting. Now, I see that I was blind. Over the years, I’ve grown. I decided to educate myself on my needs, and what I’ve discovered is that you are not who I thought you were. When I began to question our relationship, I asked you why you had been hiding information from me. Guess what? You couldn’t give me a straight answer. Then I saw the hidden skeletons that were eating into our relationship...commissions, management fees, contract charges, custodial

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fees, and more. I still think about those times when you looked me in the eye and said, “This is a good financial move.” Well, it turns out it was a good financial move for you. You were the one who did well financially and it was all at my expense. So, I’m leaving you. I want someone who puts my best interest first, and I want more of my money to work for me. I earned it after all. It’s time I found someone who is up front with ALL the costs that impact MY bottom line. When I started writing this, I thought it would be difficult, but it was easier than I thought because I know I’m making the best decision for me. I am free. I’m over you.

Sincerely, Fed Up

P.S. By the way, I’ve met someone else. Unsure whether your planner has your best interest in mind or if you’re paying higher product fees than you should? Find a list of things to consider and questions to ask at weabenefits.com/askquestions. Don’t forget you can schedule a free one-hour financial planning consultation at weabenefits.com/fps.

With Member Benefits, you’re our #1. This article is for informational purposes only and is not intended to constitute legal, financial, or tax advice. Certain recommendations or guidelines may not be appropriate for everyone. Consult your personal advisor or attorney for advice specific to your unique circumstances before taking action. All investment advisory services are offered through WEA Financial Advisors, Inc.

weabenefits.com


A quick who’s who for you weabenefits.com • Retirement/Financial Planning 800-279-4030 • Insurance 800-279-4010 Over 40 years ago, WEA Member Benefits was created to provide personal insurance, retirement savings, and financial planning services to Wisconsin public school employees and their families. We provide elective/voluntary benefits to individuals, including: Personal insurance Retirement and Investment Auto Services Home 403(b) Condo IRA Renters Financial Planning Services Flood Umbrella Long-Term Care Motorcycles, RVs, boats and other toys

Our business partners

You may see the following company names on communications related to your retirement accounts. • The Newport Group (previously known as Verisight): Participant letters and check instructions. • MidAtlantic Trust Company (MATC): Tax forms, electronic bank deposits or drafts, and checks.

Confusion be gone! There is often confusion between WEA Member Benefits and other independent organizations that also serve the Wisconsin education community. We are commonly confused with:

weatrust.com • 800-279-4000

etf.wi.gov • 877-533-5020

weac.org • 800-362-8034

WEA Trust (the Trust) provides group health insurance and other benefits to employers (i.e., your school district). WEA Member Benefits and WEA Trust are two separate organizations that operate independently of one another.

The Wisconsin Retirement System (WRS) provides pension benefits to state workers and is administered by the Wisconsin Department of Employee Trust Funds (ETF).

Wisconsin Education Association Council (WEAC) is the public educator’s employee union and advocates for quality education in our public schools.

weabenefits.com

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{ your story

TOTALED!

Hitting a deer can be a traumatic experience any time, but hitting a deer during the holidays is even more stressful. Fortunately for this member, Member Benefits made it a little easier. It was Christmas day.

Sharon Morell was headed home after celebrating the holiday with family in Baraboo. Her 95-year-old mother and her dog were with her. Driving on Highway 51/39 toward their home destination—Stevens Point—the roads were clear. But although they started out before 4:00 p.m., it was already dark. “We were five miles outside of Westfield when BANG! The hood of the car flew up,” exclaims Sharon. “There was just enough space between the car and the hood and I could see brown. I’d hit a deer. The first thing I did was ask my mom if she was okay. She’s 95 years old and in good health, but she’s still 95 years old.” Sharon maneuvered the car to the side of the road and called 911. “A nice couple stopped and put my mother in their car while we waited for the tow truck and the police.”

What happens to my car? How do I get a rental car? Who comes to look at my car? What do I do first? I had absolutely no idea where to start. I was completely naïve about how the process worked. Bob was so patient and straightforward. He very methodically and patiently walked me

“The adjuster was also really nice and answered all my questions. And, when I got their recommendation that the car was a total loss, I wasn’t surprised. In my gut I knew that the car was totaled because the front of the car was really awful. “I researched what the car was worth

through the whole process.” The insurance department at Member Benefits checks the phones on weekends and holidays as a standard practice. If a member has a situation, we want to get on it right away.

and I feel I received a very positive and a very fair deal from Member Benefits.”

Responsive

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The couple gave them a ride back to Stevens Point on their way home to Wautoma. When Sharon finally got home, it was late. “I was exhausted and I was so traumatized by the whole experience. I called WEA Member Benefits, but it was Christmas Day and a weekend. I thought, ‘No one is going to be working on Christmas weekend.’ I left a message at their emergency number. And the next day, on a Saturday, Bob Manor, Claims Manager at WEA Member Benefits, called me. His voice and manner with me was so nice and calm. I had a million questions:

Accommodating and fair Bob contacted the adjuster and set up a rental car for Sharon at Enterprise. “I had a rental car waiting for me at Enterprise on Monday morning. They knew I was coming and everything was ready.

Exceptional service Now Sharon needed to replace her vehicle. She had more questions, and was pleasantly surprised to get more help from Bob. “I had just gotten my car paid off. I wasn’t even thinking of buying a car. I thought I would be free of car payments, but here I was between Christmas and New Year’s looking for a car. Bob even answered questions I had during the car weabenefits.com


buying process like what is the difference between four or six cylinders. He didn’t have to do that, but he did.” Sharon was impressed. “I think the thing that was most important...he always returned my phone calls. I just loved that. In this day and age, when someone returns your call in a timely manner if at all...that’s exceptional service and it’s very important to me. I probably texted Bob ten times with questions through the process and he always responded. I didn’t feel for one minute like I couldn’t ask a question. It was very positive."

Timely

"The claim was processed quickly and the check came right away. Every bill was paid in an extremely timely manner—for towing, for the rental car, everything. “That’s why I wrote the letter," says Sharon. "I’ve heard of other people

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PROFILE

Sharon Morell

Sharon is a retired band director from Stevens Point Area Public School District. She started teaching in 1973 and retired in 2008. “I have been insured with WEA Member Benefits forever—probably 25 or 30 years. I have my auto, home, and umbrella insurance and my 403(b) retirement savings with WEA Member Benefits.” In retirement, Sharon supervises music students at UW-Stevens Point and she works for the Justice Works Program mentoring women who are on probation. She is also a member of St. Paul’s Methodist Church where she volunteers in many capacities as well. “I really enjoy what I’m doing in retirement. It’s very fulfilling.”

fighting with their insurance company when they have a claim or not getting calls returned. I’m happy to say that was not my experience. Member Benefits exceeded my

expectations. I can honestly say it went as smoothly as I could’ve hoped. “This is a company that has integrity and credibility. It’s just wonderful."

Copy of the letter from Sharon to Dave Kijek, President/CEO of WEA Member Benefits.

This article is for informational purposes only and is not intended to constitute legal, financial, or tax advice. Certain recommendations or guidelines may not be appropriate for everyone. Consult your personal advisor or attorney for advice specific to your unique circumstances before taking action. Property and casualty insurance programs are underwritten by WEA Property & Casualty Insurance weabenefits.com Company. The terms and conditions of your coverage are exclusively controlled by your written policy. Please refer to your policy for details. Certain policy exclusions and limitations may apply.

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insurance { yourfinances { your

Are you

wisely protected?

Insurance consumers fall into one of three categories. Which one are you? The Wisely Protected

• Purchases

insurance coverage based on needs and value rather than simply the lowest price. • Maximizes their insurance dollar by optimizing coverage and deductible options to create a good balance between protection and cost. • Regularly re-evaluates their situation and policy to ensure appropriate protection for what they’ve worked hard for.

The Ex posed and Unawa re

The Unintentional Over-Spender

• Purchases insurance based primarily on price.

• Spends their insurance dollar on the wrong thing.

• Unaware they are at risk for devastating financial loss because they don’t understand the coverages and limits in their policy.

• Overinsures for small financial loss.

• Doesn’t recognize insurance as part of their financial plan. • May have started out as Wisely Protected but their policy has not kept pace with new risks and changes in their life.

• Chooses low deductibles resulting in higher-than-necessary premiums. • Has unnecessary or overlapping coverages, yet still has exposure for catastrophic loss.

While nearly everyone THINKS they are Wisely Protected, few actually are. If you’re like most people who treat auto and homeowners insurance like a commodity—or one-size-fits-all—you risk leaving yourself (and your family) exposed to financial loss or purchasing coverages you don’t need. Here's how to get wise with insurance.

Principle #1: Buy value, not price

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Mark Dannehl is a long-time Personal Insurance Consultant with Member Benefits who helps people evaluate their insurance needs and purchase insurance. Mark illustrates why it pays to focus on value. “Recently, I spoke with one of our members. She said, ‘Mark, I went online and got a quote that could save me over $500 a year. That’s savings I don’t think I can pass up.’ She e-mailed the quote so I could take a look. It had only about onetenth of the liability coverage that she had

with us. In addition, other coverages she had with us weren’t included in the online quote—thus, the lower premium. “I explained that she would be short on liability coverage, which would leave her exposed to loss. Plus, the lower liability limits would make her ineligible for umbrella insurance which requires underlying liability limits of $250,000/$500,000. This is especially important for her as she has a youthful driver on her policy. After we talked about the differences and she had all the information she needed to make a final

decision, she said, ‘You know, that $43 per month of savings isn’t any savings at all.’” Fortunately, she called us first and made an educated choice. Unfortunately, we have a lot of people jump at price without looking deeper. It’s becoming more of an issue as insurance is marketed as a commodity. However, at Member Benefits, we strongly believe it should not be bought that way. Your insurance needs are not the same throughout your life nor are they the same as your neighbors’. Mark adds that while coverage is a huge factor, you need to keep in mind weabenefits.com


that when you buy insurance you are essentially buying a legal document—a contract. “The fine print in the document will make all the difference when you file a claim. And, as part of the deal, you get the people who will interpret the document and decide whether they will pay your claim or not.”

asked if he could reduce his premium by changing coverages. He had good coverage but his deductible was pretty low. Moving the deductible a bit gave him the savings he was looking for without increasing his risk for large financial loss.”

Principle #3: Insure for the

Principle #2: Maximize your

catastrophic—it’s the real reason we have insurance

If you’re going to spend money on insurance, get the most you can get for your dollar. “Let’s say you have $130 to spend on insurance,” says Mark, “and you have two choices: (A)  You can use the $130 to cover the possible loss of $150–$400, or (B)  You can use the $130 to cover a possible loss of $150,000. “Obviously B is the better value. But in reality, most people ask us to do A. People tend to think about risks they have experience with or can conceive of—like the fender bender or losing your mobile phone. The risk of catastrophic events is often dismissed because they happen less frequently even though they can be far more financially devastating.” Mark shares another example. “A member e-mailed me their policy and

Umbrella insurance is overlooked by a lot of people, yet most financial planners consider it a must-have. Many people think it’s only for the wealthy and that it’s expensive insurance to carry, but it’s actually very affordable. Do you have a car? Teenage driver? Watercraft? Use the Internet? These are four of the biggest causes of liability losses. You don’t have to do crazy things to be at risk—and you don’t have to be a millionaire to be sued like one. Mark shares a personal experience about the significance of this principle. “Five years ago, my wife Deb was driving home from work in road construction. She looked over her shoulder to change lanes and the car in front of her stopped. She rear ended the car. The police came and Deb was cited for following too close. After the reporting was done and insurance information was exchanged, the woman she hit drove away.

insurance dollar

Call 1-800-279-4010 for a free consultation.

“About five weeks later, we received a letter from a well-known personal injury law firm in Milwaukee wanting $350,000 for injuries to the woman in the car. We had $250,000 liability on our policy, so we were $100,000 short. Thankfully, our umbrella policy would’ve kicked in to cover the excess as well as the legal defense fees if we were found liable. As it turned out, the claim was not justified and the umbrella didn’t come into play, but if it had turned out differently, we would’ve been financially devastated if not for the umbrella coverage.” Lastly, scheduling items like electronics, collectibles, and jewelry isn’t a bad thing, but if you are doing that at the expense of coverage for the catastrophic loss, it isn’t the best use of your insurance dollar.

Not sure which kind of insurance consumer you are? Let us take a look at your needs and your existing coverage. If you’re already wisely protected, we’ll tell you! If not, we’ll recommend changes and coach you to be a better insurance consumer. How are you spending your insurance dollar?

Mark shares an example of two 40-year-old men who drive a 2010 Chevy Malibu. Person A is spending money on the right things by maximizing his dollar and having appropriate coverages. Person B is spending on the wrong things, with low deductibles and about half the liability coverage. In this example, Person B is actually paying more than Person A and is not getting nearly as much for his money.

GET WISE.

weabenefits.com

PERSON B

PERSON A

Premiums shown are for illustrative purposes and are not meant to reflect your situation.

This article is for informational purposes only and is not intended to constitute legal, financial, or tax advice. Certain recommendations or guidelines may not be appropriate for everyone. Consult your personal advisor or attorney for advice specific to your unique circumstances before taking action. Property and casualty insurance programs are underwritten by WEA Property & Casualty Insurance Company. The terms and conditions of your coverage are exclusively controlled by your written policy. Please refer to your policy for details. Certain policy exclusions and limitations may apply.

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{ your kiosk BANK CREDIT UNION

VS

Have you ever wondered about the difference between a credit union and a bank? Because these

two types of financial services companies do largely the same things—that is, take deposits and make loans—their differences aren’t immediately apparent. However, two main distinctions are ownership and profit. Ownership Banks are corporations owned by shareholders who have voting rights based on the number of shares they own. By contrast, credit unions are owned by members who use their services—each member gets one vote regardless of how much money he or she has deposited. Unlike banks, credit union membership may be restricted to those who meet certain eligibility requirements, such as employee groups, associations, religious or fraternal affiliations, and residential areas. Profit Banks are for-profit companies in business to make money for their shareholders. Credit unions are not-for-profit organizations that exist to serve their members. While they engage in income-generating activities like offering loans, the profits made by credit unions are returned back to members in the form of reduced fees, higher savings rates, and lower loan rates. Other differences A volunteer board of directors is elected by members to manage a credit union, while board members of a bank are appointed or elected and typically paid for their service. In addition, credit unions are more known to provide and support: • Financial education and outreach to consumers. • In-school credit union branches. • Small business needs (whereas banks are generally better positioned to manage larger commercial needs).

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HOW WILL YOU USE YOUR TAX REFUND? Getting a tax refund is such a treat. It’s so tempting to go directly online and buy airline tickets to a sunny destination where you can quickly replenish the vitamin D that has been depleted by a long and dreary winter. Not that there’s anything wrong with that, but you might want to consider other options for at least part of your refund—options that will have a long-term financial impact. After all, summer will be here before we know it.

Consider having less income tax withheld from your pay so you won’t receive a big tax refund. Then increase your 403(b) or IRA monthly contribution with the extra money that shows up in your paycheck. Here are a few good ideas that pay off in the long-run: • Attack your debt. Benefits include stress reduction and an improved credit score. • Soften the blow of financial emergencies. Work toward saving six months of living expenses. You’ll sleep better knowing you are better prepared for life’s little surprises. • Got kids? Start a 529 tax-advantaged college savings account. • Increase your contributions to your IRA or 403(b). The more you save now, the more likely you’ll have the retirement of your dreams. If you don’t have an IRA or 403(b), start one. Call us for help at 1-800-279-4030 or go to weabenefits.com for information. weabenefits.com


Spring REMODEL Remodels improve the quality of your life and increase the value of your home, but don’t forget to protect the investment. Do you have plans for home improvements this spring, like a new deck or a kitchen update? It’s an investment that can provide years of enjoyment or added comfort for the family. However, don’t forget to protect your additional investment. Update your house, update your insurance Always update your homeowners policy when you’ve made home improvements so that you don’t find yourself without enough coverage. As your house changes, your coverage needs change as well. Three reasons homeowners find themselves without enough coverage when they need it According to Marshall & Swift/Boeckh, two out of every three homes are underinsured by as much as 27%. There are three primary reasons why.

1. Not reviewing coverage regularly. Many homeowners purchase their insurance and then never look at it again. Even if you haven’t made any changes to your home, costs associated with rebuilding may have changed. Take a look at your policy at least every other year. 2. Confusing market or assessed value with the cost to rebuild. Your coverage should not be based on the real estate value or assessed value of your home but on the actual replacement cost of the physical structure. 3. Trying to save money on premium by underinsuring. How good will you feel about saving $100 or $200 per year if you aren’t adequately covered for a loss that ends up costing you far more? You need a clear understanding of your policy so that you’re not taking on more financial risk than you think.

Let us help If you haven’t looked at your policy in a while or if you’re making a major change to your home, have a Member Benefits Personal Insurance Consultant do a free review of your current home policy. After all, it’s one of the largest investments of your life. We’ll answer your questions so you can make the best coverage decisions for your situation. Free insurance consultation: 1-800-279-4010 weabenefits.com/consults

Exciting mutual fund As of April 20, we are replacing all of our Target Retirement Funds from investor shares to institutional shares and our T. Rowe Price Small Cap Value with the Prudential QMA Small Cap Value Z.

Why the change? The bottom line: It will save you, our members, money. The new share class for the Target Retirement Funds has a lower operating expense, thereby lowering the costs charged to you by the mutual fund company. Because of our buying power, we are able to offer you these less expensive fund choices—choices you may not be able to get with other companies. weabenefits.com

Some factors that led to the change to the Prudential fund include a lower operating expense, good historical performance, and staying consistent with its small cap value designation over time.

Get help and information To view a prospectus and fact sheet for each fund, visit our Web site at weabenefits. com/investments after April 20 or call us to request copies. To ensure the quality of our retirement savings programs, Member Benefits regularly reviews our investment options. If you participate in any of our retirement programs, you recently received a letter from us with details about these mutual fund changes. However, if these funds do

not meet your needs, you can make changes to your account at weabenefits. com/yourmoney. Or feel free to call a Retirement and Investment Services Specialist for assistance at 1-800-2794030, Extension 8568. Keep in mind that mutual fund investments are not guaranteed and may gain or lose value. Past performance is no guarantee for future results. Future performance may be lower or higher than past performance. Before investing in any mutual fund, call WEA Member Benefits at 1-800-279-4030 to request a prospectus. We advise you to read it carefully and consider the fund's investment objectives, risks, and charges and expenses carefully before investing. The prospectus contains this and other information about the investment company.

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PO Box 7893, Madison, WI 53707-7893

How

confident are you that your insurance will get you from here...

...to here?

You may be putting yourself unnecessarily at risk by not having the appropriate coverage. Find out if your insurance will deliver when you need it most with a free insurance consultation with Member Benefits.

Set up an insurance consultation: weabenefits.com/consults Call us: 1-800-279-4010 Property and casualty insurance programs are underwritten by WEA Property & Casualty Insurance Company. The terms and conditions of your coverage are exclusively controlled by your written policy. Please refer to your policy for details. Certain policy exclusions and limitations may apply.


Your$ Magazine -- Spring 2016