Privacy Policy

Our Privacy Policy


  1. Personal information, as used in this notice, means information that identifies an individual personally and is not otherwise available to the public. It includes limited personal information such as, name, address, age, income, and projected financial benefits. We collect personal information to support our normal business operations. We may obtain personal information directly from the customer, from the use of calculators and interactive tools on our web site, from customer-related transactions and from third parties, such as investment advisors, financial planners, brokers, agents and plan administrators. If you want to contact us about privacy management-related matters, please visit our Privacy Management Page.

  3. Certain features of this site may require the use of cookies. A “cookie” is a method to pass information between the server and your web browser when you travel from web page to web page. Cookie information is stored on your hard drive in a special directory created when you installed your web browser. This information can only be read by the website that created it. No other website can access this information. No PII is stored in the cookies this site creates.
    Most web browsers can be configured to reject cookies, or to notify you if a cookie is sent to you. If you are not sure whether your web browser has these capabilities you should contact the software manufacturer or your Internet service provider. If a user rejects a cookie, certain areas of the website may not function properly. The affected areas may include but are not limited to the following: inability to access certain areas of the website, inconvenience of having to enter personal information more often, and navigation ability throughout the website.
    We may use third-party web analytics service providers that use cookies or other website technologies to help us analyze both how users use this website and the effectiveness of our marketing search terms. The information generated by the cookie about your use of this website (including, without limitation, your IP address) would be transmitted to and stored by this service provider. They will use this information to evaluate your use of our website and compile aggregated reports for us. The information that our service providers collect and provide to us is not personally identifiable. Hashing is a way of encrypting a piece of data. We may use hashed identifiers derived from email addresses for the purposes of cross-device tracking for targeted advertising. To opt-out of receiving ads, you can visit

  5. Our employees and business partners have access to personal information in the course of doing their jobs, which includes establishing retirement plans, opening brokerage accounts and informing customers about our products and services.

  7. We may share personal financial information with our affiliates, such as insurance companies, banks, agents, brokerage firms and administrators.

  9. To service our customers and administer our business, we may also share information with unaffiliated third parties, including agents, brokerage firms, insurance companies, administrators and service providers as otherwise permitted or required by law. In addition, we may share personal financial information with other unaffiliated third parties who are assisting us by performing services or functions, such as conducting surveys, marketing our products or services, or offering financial products or services under a joint agreement between us and one or more financial institutions.

  11. Prior to sharing personal financial information with unaffiliated third parties, except as described in this policy, we will give affected customers an opportunity to direct that such information not be disclosed.

  13. We use manual and electronic security procedures to maintain the confidentiality and integrity of personal information in our possession and guard against its unauthorized access. Some techniques that might be employed to protect information include locked files, user authentication, encryption, firewall technology and the use of detection software. We are responsible for identifying information that must be protected, providing an adequate level of protection for that data and granting access to protected data only to individuals who must use it in the performance of their job-related duties. Employees who violate our Privacy Policy will be subject to disciplinary action, which may include termination.

  15. We will continue to follow this policy regarding personal information even when a customer relationship no longer exists.

The Privacy Policy is subject to change at any time. We will notify customers of any modifications as needed.

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