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Changing jobs, switching employers, or retiring? Don’t leave your 401(k) or 403(b) unattended Don’t leave your 401(k) or 403(b) unattended Changing jobs, switching employers, or retiring? Don’t l ave y ur 401(k) or 403(b) unattended

Changing jobs, switching employers, or retiring? Don’t leave your 401(k) or 403(b) unattended It’s important that you understand your options so that you can take action n w to h lp ensure you retirement savings contin e working for you. It’s important that you understand your options so that you can take action now to help ensure your retirement savings continue working for you. • Roll over your assets into an Individual Retirement Account (IRA) to help ensure your hard- earned retirement dollars continue to work for you. It’s important that you understand your options so that you can take action now to help ensure your retirement savings continue working for you. Options generally include: • Move your assets directly to your current or new employer’s QRP (if the plan allows) • Cash out and pay the associated taxes Ricardo Rivers, MBA Associate Vice President - Investment Oicer 989 Lenox Drive, Suite 200 Lawrenceville, NJ 08648 Direct: (609) 896-4623 ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers Learn the advantages and disadvantages of each of these options as it pertains to your individual circumstances. Learn the advantages and disadvantages of each of these options as it pertains to your individual circumstances. • Move your assets directly to your current or new employer’s QRP (if the plan allows) • Cash out and pay the associated taxes • Leave your assets in your former employer’s qualiied retirement plan (QRP) (if the plan allows) • Roll over your assets into an Individual Retirement Account (IRA) • Leave your assets in your former employer’s qualiied retirement plan (QRP) (if the plan allows) • Move your assets directly to your current or new employer’s QRP (if the plan allows) • Cash out and pay the associated taxes Options generally include: • Roll over your assets into an Individual Retirement Account (IRA) • Leave your assets in your former employer’s qualiied retirement plan (QRP) (if the plan allows) Options generally include: Request a free copy of Wells Fargo Advisors’ 401(k) report and let’s discuss ways

It’s important that you understand your options so that you can tak now to help ensure your retirement savings continue working for y

Options generally include:

• Roll over your assets into an Individual Retirement Account (IRA) • Leave your assets in your former employer’s qualiied retirement plan (QRP) (if the plan allows)

• Move your assets directly current or new employer’ (if the plan allows) • Cash out and pay the asso taxes

Request a free copy of Wells Fargo Advisors’ 401(k) report and let’s discuss ways to help ensure your hard- earned retirement dollars continue to work for you. Request a free copy of Wells Fargo Advisors’ 401(k) report and let’s discuss ways o help ensure your hard- earned retirement dollars continue to work for you.

FA M I LY M AT T E R S

Learn the advantages and disadvantages of each of these options a pertains to your individual circumstances.

Request a free copy of Wells Fargo Advisors’ 401(k) report and let’s discuss ways to help ensure your hard- earned retirement dollars continue to work for you.

Learn the advantages and disadvantages of each of these options as it pertains to your individual circumstances.

Ricardo Rivers, MBA Associate Vice President - Investment Oicer 989 Lenox Drive, Suite 200 ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers Law enceville, NJ 08648 Direct: (609) 896-4623 ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers Lawrenceville, NJ 08648 Direct: (609) 896-4623 Ricardo Rivers, MBA Associate Vice President - Investment Oicer 989 Lenox Drive, Suite 200 Ricardo Rivers, MBA Associate Vice President - Investment Oicer 989 Lenox Drive, Suite 200 Fir t V ce President - Investment Officer Lawrenceville, NJ 08648 Direct: (609) 896-4623

Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, fees and expenses, and services ofered. A Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your specific situation. Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax professional before taking any action.

Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment optio and expenses, and services ofered. A Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your speciic situ Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax profes before taking any action. Investment and Insurance Products: • NOT FDIC Insured • NO Bank Guarantee • MAY Lose Value Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank ailiate of Wells Fargo & Company. © 2020 Wells Fargo Clearing Services, LLC. All rights reserved. CAR-0720-04236

Wells Fargo Advisors is a trade name used byWells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank ailiate of Wells Fargo & Company. © 2020 Wells Fargo Clearing Services, LLC. All rights reserved. CAR-0720-04236

Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, fees and expenses, and services ofered. A Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your speciic situation. Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax professional before taking any action. Investment and Insurance Products: • NOT FDIC Insured • NO Bank Guarantee • MAY Lose Value Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank ailiate of Wells Fargo & Company. © 2020 Wells Fargo Clearing Services, LLC. All rights reserved. CAR-0720-04236 Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, fees and expenses, and services ofered. A Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your speciic situation. Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax professional before taking any action. Investment and Insurance Products: • NOT FDIC Insured • NO Bank Guarantee • MAY Lose Value Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank ailiate of Wells Fargo & Company. © 2020 Wells Fargo Clearing Services, LLC. All rights reserved. CAR-0720-04236 Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, fees and expenses, and services ofered. A Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your speciic situation. Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax professional before taking any action. Inve tment and Insura ce Pro ucts: • NOT FDIC Insured • NO Bank Guarantee • MAY Lose Value Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank ailiate of Wells Fargo & Company. © 2020 Wells Fargo Clearing Services, LLC. All rights reser -0720-04236 The new Tax Withholding Estimator, launched in September 2019 on IRS. gov, includes user-friendly features designed to help retirees quickly and eas- ily figure the right amount of tax to be taken out of their pension payments. The mobile-friendly estimator replaces the Withholding Calculator. The es- timator has features specially tailored to the unique needs of retirees receiv- ing pension payments and Social Security benefits. ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers

Tax Withholdi g Estimator Helps Retirees Figure Tax on Social Security Benefits

The new tool offers retirees, as well as employees and self-employed indi- viduals, a more user-friendly way to check their withholding. Whether they receive wages or pension payments, it helps taxpayers estimate if the right amount is being withheld from their income to cover their tax liability. The estimator uses a simple, six-step question-and-answer format using informa- tion like marital or filing status, income, withholding, adjustments, deduc- tions and credits. A retiree can use the estimator to enter any pension income or Social Se-

curity benefits they or their spouse receive. The tool then automatically calculates the taxable portion and incorporates it into an overall estimate of their projected tax liability and withholding for the year. If a withholding change is needed, the retiree can choose a tax due of close to zero or a refund amount. The estimator will then link to Form W-4P, Withholding Certificate for Pension or Annuity Payments, and give the retiree a specific withholding recommendation based on the option chosen. It also gives instructions on how to fill in each line of the form.

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