Built from the ground up to meet the needs of ADA members, the ADA Members Retirement Program has given thousands of your colleagues the opportunity to grow their retirement assets along with their practice.

As the only retirement program endorsed by the ADA for its members, the ADA Members Retirement Program has been designed to meet the needs of the dental community, by offering you an affordable, to help build your retirement assets and take advantage of potential tax savings today.

After much research, the ADA selected AXA Equitable to fund and administer this program. They did so because of AXA Equitable's experience with administering retirement plans for professional associations for over 40 years and their commitment to help while offering that minimizes the amount of

• Lower-than-typical start-up and maintenance fees compared to retirement plans arranged through individual brokers and agents.
• Dedicated services of Retirement Program Specialists whose primary focus is working with professional practices of all sizes.
• A wide range of investment choices.
• Plan updates to comply with changing laws, at no additional charge.

Every individual has different needs, different goals and different ideas about how they want to spend their retirement. Your time horizon, your employee profile and your management philosophy will help determine the plan or combination of plans that offer you, the owner, the greatest advantage. Our Retirement Program Specialists will help work one-to-one with you to find a suitable plan for you and your employees.

When it comes to determining which plan or combination of plans might enable you to defer the most money for yourself, it's important that you work with professionals who constantly keep abreast of the ever changing tax laws and eligibility requirements. The ADA Members Retirement Program constantly monitors government regulations to make sure your plan remains current, and updates to your plan are made with no additional charge.

Download our Guide for Plan Participants, which walks you through what you need to ask yourself about updating your Retirement Plan. Failure to keep your retirement plan up-to-date can cost you and your employees important retirement benefits. We also offer a complete range of IRAs, including rollovers for individuals, businesses and the self-employed.

It may surprise you to learn that asset allocation is considered one of the most important tools for successful investing. By diversifying among different types of investment options, you may be able to reach your long-term goals while managing your exposure to market risk. Asset allocation simply means diversifying a portfolio among different asset classes, such as stocks, bonds and cash equivalents, in an effort to manage risk.

The ADA Members Retirement Program, which is funded by a group variable annuity, provides an easy, convenient way to create a diversified portfolio best suited to your investment goals, time horizon and attitude toward risk.