Retirement Planning Made Easy

Begin by browsing our to see how the Members Retirement Program may be able to save you time and money and any growth in your retirement savings would be tax deferred. Our is the place to start for an overview of the types of plans available. and learn much more about ways we make it easy to defer income taxes today.

Determining the sources of Your Retirement Income

Download your free and learn about the importance of savings for retirement, what sources of retirement income are availabe to you, and how you can benefits from tax deferral. The guide also includes a retirement savings worksheet to get you started.

Choosing Appropriate Retirement Plan Investments

Consult our for information on investment choices available through the Members Retirement Program. Our provides help with developing your retirement investment strategy.

Funding the Members Retirement Program

The Members Retirement Program is funded by a group annuity contract issued and distributed by AXA Equitable Life Insurance Company, New York, NY. The for the Members Retirement Program can be found on the left column of this page. Read the prospectus carefully before investing.

A group variable annuity is a long-term financial product designed for retirement purposes. In essence, a group variable annuity is a contractual agreement in which payment(s) are made to an insurance company on behalf of retirement plan participants, which agrees to pay out an income or a lump sum amount at a later date to those participants. There are contract limitations and fees and charges associated with group variable annuities, which include, but are not limited to administrative fees and charges for investment management. Amounts in the annuity's variable investment options are subject to fluctuation in value and market risk, including loss of principal. Withdrawals from annuities are subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge. Contact a Members Retirement Program Specialist for costs and complete details.

An annuity contract that is purchased to fund a qualified retirement plan should be done so for the annuity's features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit. You may also want to consider the relative features, benefits, and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.

The information in this Web site is not intended to constitute an offer to sell or a solicitation in connection with any product.

Please be advised that this document is not intented as legal or tax advise. Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advise based on your particular circumstances from an independent tax advisor.