Retirement

Retirement Plan Summary and Summary Annual Report

Summary Plan Description (SPD) – 401(k) Retirement Savings Plan*
401(k) Summary of Material Modifications (SMM) 6-28-18*
401(k) Summary of Material Modifications (SMM) 9-26-18*
401(k) Summary of Material Modifications (SMM) Hardship Distributions*

401(k) Retirement Summary Annual Report 2019*

Access your Retirement Account

Associated Bank

Change your deferral percentage (Manage > Your Contributions) – Normal deferral changes made by market close the Friday prior to payroll will be reflected on the following paycheck. Maintain at least an 8% deferral percentage per paycheck to receive the 4% maximum match.
Enroll in optional Automatic Savings Increase (Manage > Your Contributions) – Allows you to increase your contribution by a pre-determined percentage each year on June 1. Automatic Savings Increase
Update 401(k) beneficiaries (Settings > Beneficiary). Note, if you electing a trust OR are married an electing a non-spouse as a primary beneficiary, you must also complete the 401(k) Plan Beneficiary Form and return to Foth Benefits.
Change your fund elections (Manage > Your Portfolio)
Access the 401(k) loan policy (View > Loan Policy) – It is highly recommended that you contact Francis Investment Counsel prior to loan application.
Additional Forms:
- 401(k) Rollover Deposit – To roll over an existing 401(k) to Foth’s Retirement plan.
- QDRO Determination Checklist*

Access Retirement Education

Francis Investment Counsel

Schedule a one-on-one session – Note: Kelli Send and Tim Shirk offer one-on-one sessions at Foth every Spring and Fall. However, feel free to meet remotely with Kelli or Tim, or another advisor of your choice at any time remotely.
Plan to attend a live web event or view past events – Learn about a variety of money topics
Sign-up for the MoneyAdvice@Work eNewsletter

Click here* to view information about the MoneyAdvice App. A new way to get Money Advice on the go!

Retirement Educational Items

Independent View 4th Quarter 2020*
Investors Outlook 1st Quarter 2021*
401(k) Investment Menu and Risk Tolerance Quiz*
401(k) Advisor Column – Be Certain that Advice isn’t Sales Pitch (March 2014)
2020 401(k) Fee Disclosure*

Francis Investment Counsel – Financial Education

Fall 2021

Get Your Priorities Straight by Francis Investment Counsel

Money priorities can often be competing. Which goal should you work on first? Learn how to prioritize your money goals to achieve them all over time. Link to Brown Bag Recording (9-28-2021)

Foth Priorities Class 9.21 Handout

Foth Priorities Class 9.21 Checklist

Retirement Pre-Launch Checklist by Francis Investment Counsel

Retirement is a time of new beginnings for you and your money. Explore a comprehensive pre-launch checklist to make sure you’re ready for life after work. Link to Brown Bag Recording (9-21-2021)

Financial Planning Checklist

Foth Prelaunch Checklist 9.21 Slide Handout

Spring 2021

King of the Hill – Presentation Slides* – Recording of Session

Money Advice Flyer*

Foth Fund Performance Update 04.21*

Foth Fund Menu 04.21*

If I Knew Then What I Know Now: Foth Money Tips to Your Younger You_Handout – Recording of Session

Fall 2020

Recording of session: Francis Investment Counsel Financial Education – Top Tax Savings Tips (9/23/2020)

Top Tax Savings Tips – Presentation Slides*

Recording of session: Francis Investment Counsel Financial Education – How Your HSA is Better than your 401k (10/1/2020)