Plan Types

Your future starts with a plan

Plan Types

2

Qualified retirement plans, deferred compensation plans and individual retirement accounts are all different, including fees and when you can access funds. Withdrawals may be subject to surrender charges, other fees and/or a 10% tax penalty if withdrawn before age 59½.

457 Plan

401(k) Plan

403(b)

Plan

PersonalSavings

Traditional

IRA

Roth IRA

Retirement savings optionsIndividual options: Plans offered by

employers:

Plan Types

3

Benefits of employer sponsored plansEmployer sponsored plans come with:● Special tax advantages

● Group pricing

● Convenience of payroll deduction

● Variety of investment options

Plan Types

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Withdrawals may be subject to surrender charges, other fees and/or a 10% tax penalty if withdrawn before age 59½.

What makes a 457 plan special?A 457 plan has features designed specifically for you:● Available only to

public employees

● No penalty for early withdrawal

● Catch-up provisions

● Emergency withdrawals

Plan Types

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The Nationwide® advantageNationwide is committed to helping you prepare for your financial future:● Nearly 40 years of

public sector experience

● Retirement specialists to assist you

● Educational tools and resources

● Easy 24/7 account access

Neither Nationwide® nor any of its representatives give legal or tax advice.

Information provided by Retirement Specialists is for educational purposes only and is not intended as investment advice.

Nationwide Retirement Solutions, Inc. and Nationwide Life Insurance Company (collectively "Nationwide") have endorsement relationships with the National Association of Counties and the International Association of Firefighters-Financial Corporation. More information about the endorsement relationships may be found online at www.nrsforu.com.

Nationwide Retirement Solutions, Inc. and its affiliates (Nationwide) offer a variety of investment options to public sector retirement plans through variable annuity contracts, trust or custodial accounts. Nationwide may receive payments from mutual funds or their affiliates in connection with those investment options. For more detail about the payments Nationwide receives, please visit www.nrsforu.com.

Retirement Specialists are registered representatives of Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation.

Nationwide, the Nationwide framemark, and On Your Side are service marks of Nationwide Mutual Insurance Company.

©2012 Nationwide Retirement Solutions Inc. All rights reserved.

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