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Can Be A Good Fit For Someone Who

Has at least $50,000 to contribute, is at least six years from retirement (due to EWC), is looking for potential growth, and would benefit from a 3% Account Bonus on all net contributions made within the first six months of opening your account. This may be a good fit for you if you are changing jobs or becoming self-employed and have one or more 401(k) plans at former employers. Through consolidation into the LiveWell Plus program, you may be able to save time and money through reduced fees and only one statement per product.

Before considering an IRA rollover, you and your financial adviser should carefully consider other options available, including: leaving money in your current retirement plan; rolling assets into the new employer plan; installments or annuity payments (if applicable). Each situation is unique. In some cases, it may be beneficial to leave assets where they are.

3% Account Bonus

When you make contributions, including rollover contributions, within six months of opening your IRA, Sammons Retirement Solutions® Inc. will add an additional 3% of net contributions (adjusted for any withdrawals during the six-month period) to your IRA ("Account Bonus").1

Early Withdrawal Charge (EWC)

An Early Withdrawal Charge (EWC) will be applied to withdrawals in excess of 10% of your Account Anniversary Value (or Required Minimum Distribution amount if greater) within six years of the Account Anniversary. The date your first contribution is received is known as your Account Anniversary.

The EWC also applies to withdrawals by your beneficiary after your death.

The EWC is eliminated six years after the Account Anniversary.

The EWC schedule that applies during the first six years of the IRA is as follows:

Account Year 1 2 3 4 5 6 7+
Early Withdrawal Charge 6% 5% 4% 3% 2% 1% 0%
EWC-Free Withdrawals

During the first six years of your IRA, you may take an annual EWC-free withdrawal of up to 10% of your Account Anniversary Value (or your Required Minimum Distribution amount if greater) without being subject to an EWC.

The amount of this withdrawal is not cumulative and will apply to withdrawals upon death of the IRA owner.

NOTE FOR FIRST-YEAR ACCOUNT HOLDERS: In the first Account Year, the EWC-free amount is calculated on all contributions received and includes the Account Bonus. In subsequent Account Years, the amount available without an EWC is calculated on your Account Anniversary Value.

Fund Options

More than 150 mutual funds from some of the country's premier fund managers

Freedom To Change Your Mind

No withdrawal fees, no front-end fees, no charge for rebalancing or reallocating2

Type Of Assets Accepted

401(k) rollovers, 403(b) rollovers, government 457 rollovers, and IRA rollovers, including traditional IRA rollovers, SEP-IRA rollovers, Roth IRA rollovers, and Inherited IRA rollovers

Minimum Purchase Age 18
Contribution Levels

Minimum: $50,000 initial rollover or transfer

To make contributions of more than $2 million, contact Sammons Retirement Solutions at 866-747-3421.


A Recordkeeping Fee and Mutual Fund Fees will be charged to your IRA.

The Recordkeeping Fee is as follows:

Total Assets Annual Recordkeeping Fee
  Years 1-6 Years 7+
$100,000+ 0.85% 0.40%
Less than $100,000 0.95% 0.50%
Other Features Available
(At No Additional Charge)

Dollar-Cost Averaging3—Investing a set amount of money at regular intervals over a long period of time

Automatic Rebalancing—Putting your investments back in the proportions you originally set

(You may choose either Dollar-Cost Averaging or Automatic Rebalancing.)

Fund options and associated standard mutual fund fees are as of 5/31/2017. Standard mutual fund fees, ranging from 0.54%-2.67% net, also apply.

1 The amount of the Account Bonus is calculated as a percentage of your net contribution(s). The Account Bonus becomes part of the IRA at the same time as the corresponding net contribution(s). For six years after the LiveWell® Plus Mutual Fund IRA is opened, an Early Withdrawal Charge ("EWC") will apply to withdrawals in excess of the annual EWC-free amount, or RMD if greater. This includes withdrawals made by your beneficiary following your death. See the LiveWell® Plus Mutual Fund IRA Certificate of Disclosure for details.

2 Excessive Trading Policy: more than one "round trip" involving the same investment option within a 60-calendar-day period is considered excessive trading. Please review the Disclosure Statement & Custodial Account Agreement of the LiveWell® Plus Mutual Fund IRA Series booklet.

3 Dollar-Cost Averaging does not assure a profit or protect against loss in a declining market. Such a plan involves continuous investment in securities, regardless of fluctuating price levels of such securities. Investors should consider their financial ability to continue purchases through periods of low price levels.


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Investing in mutual funds involves risk, including potential loss of investment. You should consider the fund's investment objectives, risks, charges, and expenses carefully before investing. The prospectus and/or summary prospectus contain this and other information. You may contact your financial professional or call 866-747-3421 to obtain a current fund prospectus. Please read it carefully.

Securities distributed by Sammons Financial Network® LLC, member FINRA. Sammons Retirement Solutions® Inc. provides administrative services. Sammons Financial Network® LLC and Sammons Retirement Solutions are affiliated companies and indirect wholly owned subsidiaries of Sammons Enterprises, Inc. of Dallas, Texas.

Please click here to view important product-specific disclosures for the LiveWell® Plus Mutual Fund IRA.