Tax Sheltered Investment Program
Product ID: 1
Foresters Financial Services, Inc. ("FFS") serves as underwriter / distributor of First Investors mutual funds and provides representatives who meet clients, one-on-one, to offer investment advice. FFS has made a strong commitment to serving the retirement needs of K-12 educators. We are in over 1,900 systems and have offices throughout the U.S. We offer 20 of our funds so clients can choose. And if desired by the Employer, we may also offer, as broker-dealer, outside funds such as Oppenheimer, and Franklin/Templeton. Education and communication are the cornerstones of our relationship with clients. Our representatives help calculate 403(b) contribution maximums (up to $27,000 in 2016), explain diversification and asset-allocation strategies.
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All 403(b) products contain fees. The amount of fees varies greatly depending on the product. A slight increase in fees can
substantially reduce the growth in your account which will reduce your income in retirement. To learn more about the impact
of fees, and the different types of fees please refer to the
Explanation of Fees piece located in the
Help & Resources.
||$30.00||Annually||Flat Dollar Amount||Yes||Yes||Yes|
||$75.00 - $125.00||At the time of loan origination||Range of Possible Dollar Amounts||No||No||Yes|