To access your account online:
The first time you log on you will be required to create a username and your pin number.
After you log on, you will have the ability to do the following:
- Check total shares by fund
- Check balances by fund
- Verify existing investment elections
- Change investment elections
- Transfer among funds
- Detailed information on plan investments
To access your account by telephone:
Call the voice response system at 1-800-338-4015, and provide the following information:
- Your Social Security Number
- Your PIN Number
- Available Monday through Friday, between 9:00 am and 8:00 pm EST.
If you have lost or forgotten your PIN number, you can call Empower Retirement to obtain a temporary PIN via the phone. You will be required to provide verification of your identity by answering a few questions on a recorded line. Then you will be provided a temporary PIN number that expires within 24 hours. When using this temporary PIN number to access your account, you will be prompted to change the PIN to a permanent one of your choosing.
If you are calling Empower Retirement without a PIN number, please press 0 to be connected to a customer service representative.
Direct Contact Information:
PO Box 173764
Denver, CO 80217-3764
8515 E Orchard Rd
Greenwood Village, CO 80111-5002
The Trustee Directed default fund is the age appropriate Vanguard Target Retirement funds. The Vanguard Target Retirement funds offer you a professionally managed solution for how to invest your retirement money. Each Target Retirement fund is a diversified mix of stocks, bonds, and cash that automatically become more conservative over time. Experienced investment professionals carefully select and manage the mix of investments to help you meet your changing needs over time as you near retirement.
You have the ability to direct how all of your contributions are invested. Should you wish to make an investment option election yourself, you can complete a Participant Enrollment form, you can access your account online at www.empower-retirement.com/participant or by calling 1-800-338-4015.
To help you become more familiar with your Fund and the investment options available, the Board of Trustees have arranged for SteelOaks Investment Advisers to prepare and attend an annual Participant Education meeting at each of the Union branch offices. At this meeting they will review the Fund and explain the investment options in detail, along with answering any questions which you may have. The 2019 area meeting locations and dates are shown below:
|Area Location||Date and Time|
|Beckley Branch Office||03/10/2019 at 1:30 pm|
|Charleston Union Hall||03/17/2019 at 1:30 pm|
|Petersburg Branch Office||03/24/2019 at 1:30 pm|
|Clarksburg Branch Office||03/31/2019 at 1:30 pm|
|Glen Dale Branch Office||04/07/2019 at 1:30 pm|
All Apprentices are required to attend at least one of the scheduled classes.
The Fund Office will also mail all participants a formal notice in February 2019.
Annuity & Savings Fund
The services provided to you by Empower Retirement will allow you to call, or log in through the Internet at www.empower-retirement.com/participant, 24 hours a day, seven days a week. You and only you will be able to access information about your account. Your privacy will be protected. When you call or log in, you will need your Access Code, user ID, and user password (this information will be provided to you by US Mail when you become a participant in the Fund).
For free investment advice, you can contact SteelOaks Investment Advisers at 1-888-811-2855 and ask to speak with Michael Payne. He can also be reached by email at firstname.lastname@example.org.
When you become a participant you will have to make some important decisions as to how you want to allocate your assets (meaning the contributions made to the Fund). Asset allocation simply means how you invest your money among the different asset classes, such as the mutual funds which are available for investment. Asset allocation is important because it helps to diversify your investments and is a powerful strategy for balancing risk and return.
You are able to choose from the following mutual funds for investment:
|Investment Fund Name||Symbol|
|Vanguard Target Retirement Income Fund||VTINX|
|Vanguard Target Retirement 2015 Fund||VTXVX|
|Vanguard Target Retirement 2020 Fund||VTWNX|
|Vanguard Target Retirement 2025 Fund||VTTVX|
|Vanguard Target Retirement 2030 Fund||VTHRX|
|Vanguard Target Retirement 2035 Fund||VTTHX|
|Vanguard Target Retirement 2040 Fund||VFORX|
|Vanguard Target Retirement 2045 Fund||VTIVX|
|Vanguard Target Retirement 2050 Fund||VFIFX|
|Vanguard Target Retirement 2055 Fund||VFFVX|
|Vanguard Target Retirement 2060 Fund||VTTSX|
|Harbor International Instl||HAINX|
|Sterling Cap Stratton Small-Cap Value Fund||STSCX|
|Federated Mid-Cap Index Svc||FMDCX|
|Vanguard 500 Index Fund – Admiral||VFIAX|
|Vanguard Total Bond Market Index – Admiral||VBTLX|
|Federated Capital Preservation Fund||N/A|