alerus folder_4panel_fixed.indd

Online Education Material
■ Retirement calculators
➤ 401(k) Savings Calculator
➤ 401(k) Retirement Contribution Effects on
Your Paycheck
➤ Retirement Planner
➤ And more!
Sample 401(k) Savings Calculator
■ Newsletters
■ Current market update
■ Online advisory services
➤ We provide a web based advisory program,
AdvicePlus, that is directly linked to our
recordkeeping platform, and provides you
with strategic financial guidance
24/7 Account Access at
alerusretirementsolutions.com
Easy, convenient access to plan sponsor and participant
information is a requirement of our valued customer base, and we
provide nothing less!
With ARS Online, you and your employees may
do the following:
Go to www.alerusretirementsolutions.com
and Login under ARS Online Admin Access
■ View participant and plan sponsor balances by
investment and source
■ View transaction activity history
■ Retrieve investment pricing and performance
information
■ Generate ad hoc reports
Administrative access for plan sponsors
1. To demonstrate the plan sponsor website, type:
www.alerusretirementsolutions.com
Sample screen shot of a participant’s balance
2. Click the Login button
Sample calculator of Retirement Contribution
Effects on Your Paycheck
3. Double click Login next to ARS Online –
Admin Access
4. Enter User ID: ALERUS
5. Enter Password: 123456
Reporting
Clear communication and timely updates are important aspects of
the total retirement plan program Alerus
Retirement Solutions provides. We are committed to
keeping you informed.
Sample screen shot of an AdvicePlus Action Plan
■ Quarterly statements
■ Trust reports
■ Annual review
■ Investment review
Sample quarterly statement
The products offered (1) are not FDIC insured, (2) are not deposits or other obligations of
a bank or guaranteed by a bank, and (3) involve investment risk, including possible loss of
principle amount invested.
Left to right: Pam Bachand, Sandy Brooks, Dean French,
Jessica Wisniewski, Lori Mitzel and Ruth Hall.
ARS Financial Advisor Support Team
At Alerus Retirement Solutions,
we are dedicated to helping
you with all aspects of your
retirement plan program. With
comprehensive recordkeeping
and trust services, powerful
technology, and an open
architecture of fund options, we
offer customized solutions to
meet your business objectives.
■ Providing Retirement
Solutions since 1944
■ $5.6 billion in assets under
management
■ Servicing 1500 retirement
plans in 49 states
■ Administrative office
located in Arden Hills,
Minnesota
Participant Recordkeeping
Education Material
Open Architecture
■ Daily valuation of participant account balances
No proprietary funds required
Perhaps the greatest advantage
■ Daily investment changes and account realignments
The plan sponsor may select investment options from a truly open
architecture menu; the plan sponsor is not required to select any
Alerus funds, no particular fund family is required to be on the
platform the plan sponsor selects, and there is no requirement that a
particular fund family have any set percentage of funds in the selected
lineup.
to working with Alerus Retirement
■ Automatic rebalancing
■ Loan setup and maintenance
■ Quarterly participant statements mailed directly to
participants
We provide a customized enrollment booklet designed to help participants every step of the way.
Solutions is that we don’t mandate
STEP 1 Assess Your Needs
the use of any proprietary
How much should you save?
investment funds. We offer an open
architecture approach to investment
options so you have access to the
800.433.1685
Personal Customer
Service
All funds are at net asset value
800.795.2697
Voice Response
System
universe of mutual funds.
All mutual funds available on this platform are purchased at net asset
value. There are no up front sales charges involved with any of the
funds available, and no contingent deferred sales charges applicable to
any of the funds available on this platform. (Short term trading fees or
redemption fees imposed by certain fund families for transactions that
occur at certain times may apply.)
OmniPlus
Recordkeeping System
Providing you with 3 seamless,
direct processing methods
NSCC trading platform
Alerus offers a state-of-the-art trading platform. We can offer several
thousand mutual funds from over 100 mutual fund families. Collective Trusts and other third party money management programs that
trade on the NSCC are also available.
alerusretirementsolutions.com
STEP 2 Review Your Retirement Options
Review the four investment catagories.
Potential Return
MUTUAL FUND
SELECTION
PROCESS
Consistent
Performance
Strong
Risk-Adjusted
Performance
Competitive stable value funds, guaranteed accounts, GIC’s, GAC’s
Custodial Services
Alerus offers a variety of competitive money market funds, stable
value funds, Guaranteed Accounts, GIC’s, and GAC’s. For larger
plans, these accounts can be customized to meet the specific needs of
the plan sponsor.
■ Access to the OMNIPLUS SYSTEM, a state of the art
processing engine
■ Alerus will act as custodian or named trustee in the plan
document
■ Process plan contributions and distributions
Company stock
■ Asset valuation
Alerus can work with plans that have company stock as an investment
option. We can help build a unitized stock fund for plan sponsors
seeking daily valuation and same day trading. We can also handle
the “share accounting” method. We can handle plans with company
stock, ESOPS and KSOPS.
Potential Risk
Low-Volatility
What type of investor are you?
Consistent Style
Experienced Management Team
and at least 5 years of
Performance History
MUTUAL FUND UNIVERSE
ARS Financial Advisor Support Team
Left to right: Pam Bachand, Sandy Brooks, Dean French,
Jessica Wisniewski, Lori Mitzel and Ruth Hall.
STEP 3 Determine Your Investment Profile
We start with the ability to choose any
publically traded Mutual Fund
STEP 4 Develop a Plan
Sample assest allocations: Where do you fit?
At Alerus Retirement Solutions,
we are dedicated to helping
you with all aspects of your
retirement plan program. With
comprehensive recordkeeping
and trust services, powerful
technology, and an open
architecture of fund options, we
offer customized solutions to
meet your business objectives.
■ Providing Retirement
Solutions since 1944
■ $5.6 billion in assets under
management
■ Servicing 1500 retirement
plans in 49 states
■ Administrative office
located in Arden Hills,
Minnesota
Participant Recordkeeping
Education Material
Open Architecture
■ Daily valuation of participant account balances
No proprietary funds required
Perhaps the greatest advantage
■ Daily investment changes and account realignments
The plan sponsor may select investment options from a truly open
architecture menu; the plan sponsor is not required to select any
Alerus funds, no particular fund family is required to be on the
platform the plan sponsor selects, and there is no requirement that a
particular fund family have any set percentage of funds in the selected
lineup.
to working with Alerus Retirement
■ Automatic rebalancing
■ Loan setup and maintenance
■ Quarterly participant statements mailed directly to
participants
We provide a customized enrollment booklet designed to help participants every step of the way.
Solutions is that we don’t mandate
STEP 1 Assess Your Needs
the use of any proprietary
How much should you save?
investment funds. We offer an open
architecture approach to investment
options so you have access to the
800.433.1685
Personal Customer
Service
All funds are at net asset value
800.795.2697
Voice Response
System
universe of mutual funds.
All mutual funds available on this platform are purchased at net asset
value. There are no up front sales charges involved with any of the
funds available, and no contingent deferred sales charges applicable to
any of the funds available on this platform. (Short term trading fees or
redemption fees imposed by certain fund families for transactions that
occur at certain times may apply.)
OmniPlus
Recordkeeping System
Providing you with 3 seamless,
direct processing methods
NSCC trading platform
Alerus offers a state-of-the-art trading platform. We can offer several
thousand mutual funds from over 100 mutual fund families. Collective Trusts and other third party money management programs that
trade on the NSCC are also available.
alerusretirementsolutions.com
STEP 2 Review Your Retirement Options
Review the four investment catagories.
Potential Return
MUTUAL FUND
SELECTION
PROCESS
Consistent
Performance
Strong
Risk-Adjusted
Performance
Competitive stable value funds, guaranteed accounts, GIC’s, GAC’s
Custodial Services
Alerus offers a variety of competitive money market funds, stable
value funds, Guaranteed Accounts, GIC’s, and GAC’s. For larger
plans, these accounts can be customized to meet the specific needs of
the plan sponsor.
■ Access to the OMNIPLUS SYSTEM, a state of the art
processing engine
■ Alerus will act as custodian or named trustee in the plan
document
■ Process plan contributions and distributions
Company stock
■ Asset valuation
Alerus can work with plans that have company stock as an investment
option. We can help build a unitized stock fund for plan sponsors
seeking daily valuation and same day trading. We can also handle
the “share accounting” method. We can handle plans with company
stock, ESOPS and KSOPS.
Potential Risk
Low-Volatility
What type of investor are you?
Consistent Style
Experienced Management Team
and at least 5 years of
Performance History
MUTUAL FUND UNIVERSE
ARS Financial Advisor Support Team
Left to right: Pam Bachand, Sandy Brooks, Dean French,
Jessica Wisniewski, Lori Mitzel and Ruth Hall.
STEP 3 Determine Your Investment Profile
We start with the ability to choose any
publically traded Mutual Fund
STEP 4 Develop a Plan
Sample assest allocations: Where do you fit?
At Alerus Retirement Solutions,
we are dedicated to helping
you with all aspects of your
retirement plan program. With
comprehensive recordkeeping
and trust services, powerful
technology, and an open
architecture of fund options, we
offer customized solutions to
meet your business objectives.
■ Providing Retirement
Solutions since 1944
■ $5.6 billion in assets under
management
■ Servicing 1500 retirement
plans in 49 states
■ Administrative office
located in Arden Hills,
Minnesota
Participant Recordkeeping
Education Material
Open Architecture
■ Daily valuation of participant account balances
No proprietary funds required
Perhaps the greatest advantage
■ Daily investment changes and account realignments
The plan sponsor may select investment options from a truly open
architecture menu; the plan sponsor is not required to select any
Alerus funds, no particular fund family is required to be on the
platform the plan sponsor selects, and there is no requirement that a
particular fund family have any set percentage of funds in the selected
lineup.
to working with Alerus Retirement
■ Automatic rebalancing
■ Loan setup and maintenance
■ Quarterly participant statements mailed directly to
participants
We provide a customized enrollment booklet designed to help participants every step of the way.
Solutions is that we don’t mandate
STEP 1 Assess Your Needs
the use of any proprietary
How much should you save?
investment funds. We offer an open
architecture approach to investment
options so you have access to the
800.433.1685
Personal Customer
Service
All funds are at net asset value
800.795.2697
Voice Response
System
universe of mutual funds.
All mutual funds available on this platform are purchased at net asset
value. There are no up front sales charges involved with any of the
funds available, and no contingent deferred sales charges applicable to
any of the funds available on this platform. (Short term trading fees or
redemption fees imposed by certain fund families for transactions that
occur at certain times may apply.)
OmniPlus
Recordkeeping System
Providing you with 3 seamless,
direct processing methods
NSCC trading platform
Alerus offers a state-of-the-art trading platform. We can offer several
thousand mutual funds from over 100 mutual fund families. Collective Trusts and other third party money management programs that
trade on the NSCC are also available.
alerusretirementsolutions.com
STEP 2 Review Your Retirement Options
Review the four investment catagories.
Potential Return
MUTUAL FUND
SELECTION
PROCESS
Consistent
Performance
Strong
Risk-Adjusted
Performance
Competitive stable value funds, guaranteed accounts, GIC’s, GAC’s
Custodial Services
Alerus offers a variety of competitive money market funds, stable
value funds, Guaranteed Accounts, GIC’s, and GAC’s. For larger
plans, these accounts can be customized to meet the specific needs of
the plan sponsor.
■ Access to the OMNIPLUS SYSTEM, a state of the art
processing engine
■ Alerus will act as custodian or named trustee in the plan
document
■ Process plan contributions and distributions
Company stock
■ Asset valuation
Alerus can work with plans that have company stock as an investment
option. We can help build a unitized stock fund for plan sponsors
seeking daily valuation and same day trading. We can also handle
the “share accounting” method. We can handle plans with company
stock, ESOPS and KSOPS.
Potential Risk
Low-Volatility
What type of investor are you?
Consistent Style
Experienced Management Team
and at least 5 years of
Performance History
MUTUAL FUND UNIVERSE
ARS Financial Advisor Support Team
Left to right: Pam Bachand, Sandy Brooks, Dean French,
Jessica Wisniewski, Lori Mitzel and Ruth Hall.
STEP 3 Determine Your Investment Profile
We start with the ability to choose any
publically traded Mutual Fund
STEP 4 Develop a Plan
Sample assest allocations: Where do you fit?
Online Education Material
■ Retirement calculators
➤ 401(k) Savings Calculator
➤ 401(k) Retirement Contribution Effects on
Your Paycheck
➤ Retirement Planner
➤ And more!
Sample 401(k) Savings Calculator
■ Newsletters
■ Current market update
■ Online advisory services
➤ We provide a web based advisory program,
AdvicePlus, that is directly linked to our
recordkeeping platform, and provides you
with strategic financial guidance
24/7 Account Access at
alerusretirementsolutions.com
Easy, convenient access to plan sponsor and participant
information is a requirement of our valued customer base, and we
provide nothing less!
With ARS Online, you and your employees may
do the following:
Go to www.alerusretirementsolutions.com
and Login under ARS Online Admin Access
■ View participant and plan sponsor balances by
investment and source
■ View transaction activity history
■ Retrieve investment pricing and performance
information
■ Generate ad hoc reports
Administrative access for plan sponsors
1. To demonstrate the plan sponsor website, type:
www.alerusretirementsolutions.com
Sample screen shot of a participant’s balance
2. Click the Login button
Sample calculator of Retirement Contribution
Effects on Your Paycheck
3. Double click Login next to ARS Online –
Admin Access
4. Enter User ID: ALERUS
5. Enter Password: 123456
Reporting
Clear communication and timely updates are important aspects of
the total retirement plan program Alerus
Retirement Solutions provides. We are committed to
keeping you informed.
Sample screen shot of an AdvicePlus Action Plan
■ Quarterly statements
■ Trust reports
■ Annual review
■ Investment review
Sample quarterly statement
The products offered (1) are not FDIC insured, (2) are not deposits or other obligations of
a bank or guaranteed by a bank, and (3) involve investment risk, including possible loss of
principle amount invested.
Left to right: Pam Bachand, Sandy Brooks, Dean French,
Jessica Wisniewski, Lori Mitzel and Ruth Hall.
ARS Financial Advisor Support Team
Online Education Material
■ Retirement calculators
➤ 401(k) Savings Calculator
➤ 401(k) Retirement Contribution Effects on
Your Paycheck
➤ Retirement Planner
➤ And more!
Sample 401(k) Savings Calculator
■ Newsletters
■ Current market update
■ Online advisory services
➤ We provide a web based advisory program,
AdvicePlus, that is directly linked to our
recordkeeping platform, and provides you
with strategic financial guidance
24/7 Account Access at
alerusretirementsolutions.com
Easy, convenient access to plan sponsor and participant
information is a requirement of our valued customer base, and we
provide nothing less!
With ARS Online, you and your employees may
do the following:
Go to www.alerusretirementsolutions.com
and Login under ARS Online Admin Access
■ View participant and plan sponsor balances by
investment and source
■ View transaction activity history
■ Retrieve investment pricing and performance
information
■ Generate ad hoc reports
Administrative access for plan sponsors
1. To demonstrate the plan sponsor website, type:
www.alerusretirementsolutions.com
Sample screen shot of a participant’s balance
2. Click the Login button
Sample calculator of Retirement Contribution
Effects on Your Paycheck
3. Double click Login next to ARS Online –
Admin Access
4. Enter User ID: ALERUS
5. Enter Password: 123456
Reporting
Clear communication and timely updates are important aspects of
the total retirement plan program Alerus
Retirement Solutions provides. We are committed to
keeping you informed.
Sample screen shot of an AdvicePlus Action Plan
■ Quarterly statements
■ Trust reports
■ Annual review
■ Investment review
Sample quarterly statement
The products offered (1) are not FDIC insured, (2) are not deposits or other obligations of
a bank or guaranteed by a bank, and (3) involve investment risk, including possible loss of
principle amount invested.
Left to right: Pam Bachand, Sandy Brooks, Dean French,
Jessica Wisniewski, Lori Mitzel and Ruth Hall.
ARS Financial Advisor Support Team
Online Education Material
■ Retirement calculators
➤ 401(k) Savings Calculator
➤ 401(k) Retirement Contribution Effects on
Your Paycheck
➤ Retirement Planner
➤ And more!
Sample 401(k) Savings Calculator
■ Newsletters
■ Current market update
■ Online advisory services
➤ We provide a web based advisory program,
AdvicePlus, that is directly linked to our
recordkeeping platform, and provides you
with strategic financial guidance
24/7 Account Access at
alerusretirementsolutions.com
Easy, convenient access to plan sponsor and participant
information is a requirement of our valued customer base, and we
provide nothing less!
With ARS Online, you and your employees may
do the following:
Go to www.alerusretirementsolutions.com
and Login under ARS Online Admin Access
■ View participant and plan sponsor balances by
investment and source
■ View transaction activity history
■ Retrieve investment pricing and performance
information
■ Generate ad hoc reports
Administrative access for plan sponsors
1. To demonstrate the plan sponsor website, type:
www.alerusretirementsolutions.com
Sample screen shot of a participant’s balance
2. Click the Login button
Sample calculator of Retirement Contribution
Effects on Your Paycheck
3. Double click Login next to ARS Online –
Admin Access
4. Enter User ID: ALERUS
5. Enter Password: 123456
Reporting
Clear communication and timely updates are important aspects of
the total retirement plan program Alerus
Retirement Solutions provides. We are committed to
keeping you informed.
Sample screen shot of an AdvicePlus Action Plan
■ Quarterly statements
■ Trust reports
■ Annual review
■ Investment review
Sample quarterly statement
The products offered (1) are not FDIC insured, (2) are not deposits or other obligations of
a bank or guaranteed by a bank, and (3) involve investment risk, including possible loss of
principle amount invested.
Left to right: Pam Bachand, Sandy Brooks, Dean French,
Jessica Wisniewski, Lori Mitzel and Ruth Hall.
ARS Financial Advisor Support Team