Cover Page_LMS.ai

Enrollment Booklet LMS Real Estate Investment Management, LLC 401(k) Plan

895 Main Street, Dubuque, IA 52001 | 800.548.2994 americantrustretirement.com

Contents

• Your Retirement Plan

• Why You Should Participate

• Participant Journey

• Investment Basics

• Choose the Right Strategy

• Time to Get Started

• Additional Resources

Introducing Your Employer Sponsored Retirement Plan

Congratulations! You are eligible to participate in your employer sponsored retirement plan. Saving for retirement requires planning, preparation, and self-discipline. We help you every step of the way! American Trust, your retirement plan provider, has professionals dedicated to helping you achieve a successful and stress-free retirement. With our extensive knowledge and expertise, we can educate and guide you in planning for your future. We are extremely proud of our award-winning client service and look forward to building a relationship with you on a one-on-one basis. Educating You The enrollment booklet is designed to make the retirement process easy and convenient for you. The path to retirement can be challenging at times, but rewards lie ahead. We will help you with quick and simple planning that will put you on the path toward achieving your retirement goals!

Your Retirement Plan

Start building your retirement savings now.

What is a 401(k) Retirement Plan?

The Basics A 401(k) is an employer sponsored account that enables you to save money and grow your retirement savings.

• Sponsored by your employer • Allows you to make contributions • Tax advantage: defer taxes until distribution and/or potential for tax-free income

How it Works Saving for retirement is easy. You decide the amount you want deducted from your pay check to contribute to your retirement plan. That amount is immediately placed into your 401(k) account and invested into the investment strategy you chose. The money you invest accumulates tax-deferred/tax-free in your account.

Note: The amount you contribute can be adjusted. Refer to your Plan Information to find out how often your plan allows for changes.

Advantages of Saving in a Retirement Plan

• By contributing Pre-tax, you can lower your taxes and keep more of what you’ve earned • Compounding–your balance may accumulate quickly, earning interest on top of interest • Investment customization and flexibility • Saving is easy with an automatic deduction from your paycheck • It is portable. If you leave your current employer, you can move the money to your next employer’s 401(k) or another qualified plan, such as an IRA

Plan Information Review important information detailing the benefits of your employer sponsored retirement plan, including specifics on contributions, vesting, distributions, fees, and more.

Summary Plan Description Outline

Summary Plan Description

Fee Summary

Investment Information View the list of investment options, quarterly returns, and fact sheets within your retirement plan.

Qualified Default Investment Alternative Notice

Investment Options

Fund Line-up with Returns

Fund Fact Sheets

Why You Should Participate

When it comes to retirement, time is money.

A Lifetime of Saving

Earn Interest on Interest: Start Early

Compounding is the process of generating more return on an asset's reinvested earnings. To work, it requires two things: the reinvestment of earnings and time. For younger investors, it is the greatest investing tool possible, and the number one argument for starting as early as possible.

1:14

Sample scenario:

See How Starting Early Can Benefit You!

Participant A Saving $100/month ($20/week) for 36 years = $234,138 Participant B Saving $200/month ($40/week) for 18 years = $93,730

Note: assuming an 8% annual rate of return and both contributing $43,200.

Click here to see more scenarios.

Tax Deferred Growth

You don’t pay taxes on money in your retirement account until you begin to use it as your income or withdraw cash. Your savings will stay invested and may earn interest for you, equaling faster growth.

Dollar Cost Averaging

Dollar cost averaging is buying a fixed dollar amount of an investment on a regular schedule, regardless of the price. More shares are purchased when prices are low and less shares are purchased when prices are high. Dollar cost averaging lessens the risk of investing a large amount in a single investment at the wrong time. You decide on the amount you want to contribute to your retirement account. This enables you to invest a fixed amount of money over a fixed period of time. Here’s an example: You contribute $50 per week. While the amount of $50 does not change from week to week, the price of the funds you invest in will. The lower the price of the shares at the time you contribute, the more you buy. Click here to see an example of dollar cost averaging.

Potential Tax Savings

When you contribute money–Pre-tax–to your 401(k) plan, you may keep more of what you have earned.

Here’s an example:

Income Taxes Taxable income before contributing $35,000 $5,250 Annual pre-tax contributions ($200 × 12 months) $2,400 - Taxable income after contribution $32,600 $4,890 Tax Savings - $360

Example for illustrative purposes only. Taxes are based on 2016 tax tables for a single filer. Consult for your tax advisor for specific information.

Participant Journey

Achieve retirement readiness with ATBlueprint ®

ATBlueprint ®

A Powerful Process The ATBlueprint tracks your progress to retirement. It is designed to:

• Define the relationship between your current and future income needs • Use monthly returns in future progress projections and cost of living adjustments based on residency • Suggest ways to increase your retirement balance

• Offer relevant ways to improve outcomes • Project your beneficiary’s monthly benefits • Estimate annual costs of long term-care insurance

Click here to view a sample ATBlueprint.

ATBlueprint ® Customization

0:26

Reach Retirement Goals with Confidence Customizing the ATBlueprint helps you to be better prepared and feel more confident in reaching your retirement goals. You can accomplish this by creating and/or customizing your ATBlueprint by using specific measurements, including compensation, savings rates, and more. Additional information from other retirement accounts can also be incorporated.

Learn more about ATBlueprint.

1:27

Interactive Online Experience

Track Your Progress American Trust is proud to introduce the ATFutureBuilder Interactive Online Experience, an effective new way to educate you about the importance of enrolling in and staying engaged with your retirement plan. It guides your through a personalized, interactive experience that provides information about your retirement plan in an easy-to-understand format.

Sign up for eBal!

Instant Account Balance Notification Sign up for eBal and receive your account balance weekly, monthly, or quarterly by email or text message. To sign up, visit www.americantrustretirement.com and click on eBal under Quick Links.

Investment Basics

Overall understanding of the strategies of investing.

Types of Investment Solutions

Mutual Funds A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund are known as its portfolio. Investors buy shares in mutual funds. Each share represents an investor’s part ownership in the fund and the income it generates. Types of mutual funds include: • Stable value fund: delivers safety and stability by preserving principal and accumulated earnings. Similar to a money market fund, but aims to offer stability and higher returns • Bond fund: essentially a loan that can be issued by a government and/or their agencies, or by corporations and asset-backed securities issuers to raise money or capital. Typically less volatile than a stock fund. Unlike certain types of individual bonds, bond funds do not mature and are not guaranteed • Stock mutual fund: pools money from many investors to invest in a group of stocks from a certain variety of companies

2:01

Learn more about Mutual Funds.

Asset Allocation Asset allocation is dividing your money into different asset classes, such as stable value, stock funds, or bond funds. Since these funds can experience gains and losses at different times, spreading your investments between funds can help balance fluctuations in your account performance. Having an effective asset allocation mix can be the most important factor in the performance of your retirement account.

1:45

Learn more about Asset Allocation.

Portfolio Rebalancing Portfolio rebalancing enables you to control the risk level and minimize risk. The asset mix originally created by an investor inevitably changes as a result of differing returns among various securities and asset classes. As a result, the percentage you allocated to different asset classes changes.

Diversification Diversification is a technique used to control risk by investing in different types of mutual funds that would each react differently to the same event in the market. Your risks can be minimized through diversification. For example: your portfolio is heavily invested in airline company funds. It is publicly announced that airline pilots are going on an indefinite strike and all flights are canceled. Share prices of airline stocks drop. Your portfolio would experience a noticeable decline in value. However, if you counterbalanced funds weighted in the airline industry with funds weighted in the financial industry, only a portion of your portfolio would be affected.

Most investment professionals agree, although it does not guarantee against loss, diversification is a very important component of reaching long-range financial goals while minimizing risk.

Choose the Right Strategy

When it comes to investing, it’s good to have options.

Investment Options ActivePlatform

InvestmentChoices

Choose and Manage Your Own

OppenheimerDevelopingMarkets HartfordSmallCapGrowth T.RowePriceMid-CapGrowth T.RowePrice LargeGrowth ColumbiaMidCap Index MFS Instl InternationalEquity PrudentialSmall-Cap Value VictorySycamoreEstablished Value Vanguard500 IndexAdmiral AmericanBeacon Large Value American FundsAmericanBalanced BlackrockHigh YieldBond LoomisSaylesCorePlusBond VanguardShort-Term Inv-GradeAdmiral American TrustStable Value

HigherRisk

Hands on Approach to Investing

Reward

• Enjoy researching investments, reading prospectuses, and matching individual funds to your goals

LowerRisk

Investment Facts

The following pages detail the investments that youmay choose to invest in your retirementprogram.Whenmaking investmentdecisions, consider the lengthof timeuntil retirement,other investments (i.e.mutual funds,CDs, spouse’s retirementplan), andhowmuch risk you arewilling to take.

• Have the time to monitor your portfolio

• Are confident you can build your own portfolio mix, diversify your investments, and use asset allocation effectively

895MainStreet,Dubuque, IA 52001 800.548.2994 americantrustretirement.com

View the list of funds available to you.

• Are comfortable making decisions when buying and selling funds, and rebalancing your account during times of market volatility

Select a Portfolio

Actively Managed for You

• Don’t have the time to manage your investments

• Prefer investment professionals to allocate your funds, but you can still monitor your account and make changes to your risk level when needed

Determine which portfolio is best for you.

• Comfortable in choosing a portfolio that best fits your risk level and time horizon

• Prefer all research, trades, balancing, and all transational activities be made for you

Time to Get Started!

Start saving now for retirement.

Enroll Easily With ATFutureBuilder

Step-by-Step Guidance When it comes to retirement planning, it can be difficult to know where to begin. ATFutureBuilder can help. With step-by-step guidance from our virtual hosts, planning for retirement can be quick and easy.

0:29

1. Log in to your account 2. Complete your enrollment 3. Welcome to ATFutureBuilder 4. Personalize your ATBlueprint® 5. Improve your outlook 6. Select your deferral/contribution 7. Choose your investment strategy 8. Add a beneficiary

Click here to get started!

9. Review your investor profile 10. Enroll, invest, and enjoy!

Click here for detailed instructions on how to enroll online with ATFutureBuilder!

Additional Resources

Pre-Tax versus Roth Contribution Determine which is best for you: Pre-Tax or Roth contributions.

Reasons to Customize your ATBlueprint® See why providing additional information makes your ATBlueprint® more powerful.

Strengthen Your Savings Potential Tips on how you can save additional money for retirement.

4 5

Access Your Account Multiple ways to view and manage your retirement account.

Budget Worksheet A guide to help you determine your actual expense needs today and estimate what expenses you may have at retirement.

Financial Calculators Informational and interactive calculators available to you as self-help tools.

7

Rollover Form If you have funds to transfer from a 401(k) or IRA account from a previous employer, complete this form.