User Guide

Select the menu items from the Table of Contents below to navigate through the Step-by-Step Guide.

Step-by-Step Guide

Registration

  1. To register, select the Register button located at the top right of the menu bar.

    Select the Register link at the top right of the menu


  2. Complete the required fields of the Registration form and select the Register Account button to save your account.

    Complete the Registration form fields


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Sign-In

  1. To sign in, select the Sign In button at the top right of the menu bar.

    Select the Sign In button from the top right of the menu.


  2. Enter your Username and Password and select the Sign In button to submit.

    Complete the rquired fileds and select Sign In


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Member Profile

  1. Select the Sign In button at the top right of the menu bar.

    Select the Sign In button from the top right of the menu.


  2. Select the Member Profile tab to view your account details. Select the Edit button to make changes and select Save to save your changes.

    Select the Member Profile tab to view or the Edit button to make changes.


  3. Select the My Saved Comparisons tab to view your previously saved comparisons. You can save up to 5 comparisons for future reference.


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My Next Steps

Use the My Next Steps as a start-to-finish guide to choosing the most appropriate 403(b) product for your retirement savings needs.

Make sure you register an account to save your progress. Please refer to the Registration section of this User Guide for information on how to Register. If you are already registered, make sure you sign In to your account to ensure your progress is saved. Refer to the Sign In section of the User Guide for information on how to Sign In.


Select My Next Steps link from the menu bar at the top of the page.

My Next Steps Menu

My Next Steps can also be accessed by selecting the numbered badge to the right of the My Next Steps link to open the badge instruction drop down box. To open the badge instruction drop down box, select the link to continue to MY NEXT STEPS .

My Next Steps Badge

Step 1: Find and Select My Employer


  1. To find your employer, select the Find Employer button under Step 1: Find and Select My Employer. This will enable you to locate products through your employer's approved vendor list.

    Step 1: Find Employer


  2. Search for your employer by entering your employer’s name into the search box or by selecting the first letter of your employer’s name using the alphabet tabs. Next, select your employer name from the list under the Employer Name column below.

    Search for Employer


  3. Once the Employer Detail's page is displayed, select the Set as Employer button to set the displayed employer as your employer.

    Set as Employer

    After selecting the Set as Employer button, your employer will be displayed under Step 1: Find and Select My Employer.

    Use the Change Employer button to remove and set a new employer
    .

    Employer displayed

Step 2: Compare and Select My Product


  1. Set your product by selecting the Compare Products button under Step 2: Compare and Select My Product to view your employer approved products.

    Select the Compare Products button


  2. View and compare products from the Compare Products page. Once you have found a product you are interested in, select the Set as My Product button.

    Select the Set as My Product button


    Alternatively, you can also set your product from the side-by-side Product Comparison page. This page is generated once you have added products to the Compare box by selecting the Add to My Compare button displayed under each product and selecting the Compare button within the Compare box.

    Add product to Compare box

    Select the Set as My Product button from the side-by-side comparison

    Once you have set your product, the product will display under Step 2: Compare and Select My Product.

    Use the Remove Product button to remove the selected product. This will allow you to go back to the Compare Products page to select a new product.

    Product displayed under Step 2:Compare and Select My Product

Step 3: Enrollment and Contribution Information



  1. Contact the vendor to enroll using the contact information displayed under Step 3a: Contact Vendor to Enroll . Some vendors will allow you to enroll via a website, phone number, or in-person. If a vendor only allows you to enroll in-person, select the Contact Information link to view the vendor’s California office locations.

    Enrollment and Contribution
    Enrollment and Contribution


  2. Use the Salary Reduction Agreement link provided by your employer to initiate or change your contributions. The link will either take you to a printable form or a website. If you have any questions regarding this step, your employer’s contact information is provided for your reference.

    Enrollment and Contribution

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Find Employer

Finding and setting your employer is important. This is the first step in comparing investment products and it ensures you view only the vendors approved by your employer.

  1. To find your employer, select the Find Employer in the top menu bar.

    Find Employer



    Alternatively, you can find your employer by navigating to the My Next Steps page and selecting the Find Employer button under Step 1: Find and Select My Employer.

    Step 1: Find Employer


  2. Search for your employer by entering a name into the search box or selecting the first letter of your employer's name using the alphabet tabs. Next, select the employer name in the results below.

    Search for Employer


  3. Once the Employer Detail's page is displayed and you have confirmed this is your employer, select the Set as Employer button.

    Set as Employer

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Browse Vendors

  1. To browse vendors, select the Browse Vendors link in the top menu bar.

    Browse Vendor

  2. You can search for vendors by entering a name into the search box or by selecting the first letter of the vendor’s name using the alphabet tabs. Next, select the vendor name from the Vendor Name column below to view vendor details.

    Search for Vendor


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Vendor Details

  1. Vendor Details can be accessed by selecting the name of a vendor from the vendor search results as described in the Browse Vendor section above.

    Once the Vendor Details page is displayed, select the Vendor Details tab to view information about the services that are offered for that particular vendor.

  2. The Enrollment and Questions box located at the top right of the page provides ways to contact the vendor if you are interested in enrolling. Additionally, the Contact Information tab can be selected to view vendor California office locations and more. Selecting the Product List tab will enable you to see a list of the vendor’s 403(b) products.

    Select Vendor Details tab to view Vendor Details

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Product Details

  1. Access Product Details by selecting the Compare Products link from the top menu.

    Select Compare Products

  2. Select the View Product Details link that can be found under each product listing.

    Select the Product Details link


  3. On the Product Details page, select the links under the product summary to reveal details regarding Annual Costs, Average Expense Ratio , Range Details , Surrender Fees and Commissions.







  4. Details regarding Product Details , Fees & Charges and Investment Options can be found further down the page under tabs. Selecting the linked options within these tabs will expand to display additional information.

    Select Options under the tab to expand and display additional details.


    Selecting the Fees and Charges tab will reveal details regarding product costs.

    Select Fees and Charges tab display additional details.

    Select link to display popover with additional information regarding fees.


    Selecting the Investment Option tab will display a list of available fixed and variable investment options associated with that product.

    Select Investment Options under the tab to expand and display additional details.

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Investment Option Details

  1. Access Product Details by selecting the Compare Products link from the top menu.

    Select Compare Products

  2. Select the View Product Details link that can be found under each product listing.

    Select the Product Details link


  3. Select the Investment Options tab. This tab will display a list of available fixed and variable investment options associated with the product. Selecting the name of a fixed or variable investment option will display a details page for that specific investment option. The details page for a fixed investment option differs from a variable investment option.




  4. Selecting the name of a fixed investment option will display the Fixed Option Details page.




  5. The Variable Investment Option Details page will display the information regarding Morningstar Ratings , Investment Strategy, Sales, Charges and Fees , Average Annual Total Returns and Impact of Expenses and Fees .

    Variable Investment Option

    Variable Investment Option


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Compare Products

  1. Compare products by first selecting the Compare Product link from the top menu.

    Select Compare Products

  2. The product list can be filtered by selecting or deselecting options from the Filter Results panel. In addition, products can be sorted by the sort options at the top of the products list or by searching by product or vendor.




  3. When you have found a product that you would like to compare, select the Add to Compare link that can be found under each product listing.

    Add to Compare link


    Alternatively, you can select the Add to Compare link from the Product Details page.

    Add to Compare link from the Product Details page


  4. After selecting the Add to Compare link, your products will appear in the Compare box. Select the Compare button to view a side-by-side comparison of up to three products. Items from your Compare box can be added to your Favorites by selecting the star icon. If you have signed into your account, items saved to the Favorites box will be saved for later viewing or comparing on return visits.



  5. Once the Compare button is selected, tabs for Vendor Details, Product Details , Fees and Charges and Investment Options will display details for each corresponding section side-by-side. Select the Print This Comparison link to print your side-by-side comparison. If you are signed in, you can select Save My Comparison to save your side-by-side comparison.

    Select Print This Comparison to print

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Comparison Results

  1. To get to this page, follow the directions in the Compare Product section above to find products and then select the Compare button.

    Once the Compare button is selected, the first tab will display the Vendor Details tab. Vendor Details includes details regarding vendor products, assets, credit rating, and the services offered.

    Compare results for Vendor Details


  2. The Product Details tab displays details about the product features.

    Compare results for Product Details


  3. The Fees and Charges tab displays costs associated with the product.

    Compare results for Fees and Charges


    The Investment Options tab displays Fixed Funding Options and Variable Funding Options associated with the investment product. Within these Investment Options sections, additional information can be found associated with Fixed Investment Options or Variable Investment Options.

    Compare results for Investment Options




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