The Millstone Times April 2021

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

FAMILY MATTERS

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) • Le ve your asse s 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 take a now to help ensure your retirement savings continue working for you.

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 to current or new employer’s Q (if the plan allows) • Cash out and pay the associa 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) r port 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.

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.river @wellsfargo dvisors.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 options, f 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 profession 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

The Mourning After MonthlyGrief CounselingGroup Surviving&ThrivingAfter a Loss Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment opti ns, 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 ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers 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 aili te of Wells Fargo & Comp ny. © 2020 Wells Fargo Clearing Services, LLC. All rights reser . -0720-04236

East Windsor Encourages Community Groups to Participate in 2021 Township Adopt-A-Spot Program Under this program, participating groups "adopt" a public property and keep it clean during the year. A place-card is erected on the site indicating that it has been "adopted by" with the name of the group. The groups are expected to perform clean-up three times per month from April 1 through November 30. Adopt-A-Spot is a great program in not only ensuring public areas of our community are well-maintained, but also has been a wonderful educational tool for teaching young people social responsibility and community pride. To participate, interested groups should send a letter to East Windsor Clean Communities Committee, ATTN: Mayor Janice S. Mironov, 16 Lanning Boulevard, East Windsor, NJ 08520.

When someone we love dies, it can feel as though an important part of ourselves has suddenly vanished. It is often hard to imagine continuing to live through the pain and turmoil of

grief. This grief counseling program uses a wide range of interactive and creative interventions to assist in the healing process. Meets 1st Friday of each month from 11:30 am - 1 pm Virtually Via Zoom Meetings If you are attending for the first time & to confirm the meeting schedule please call 732-577-1076

WWW.GIERS.ORG | info@giers.org | 732-577-1076 10 East Main Street Suite 5B, Freehold, NJ 07728

36 The Millstone Times

April 2021