FMN - Wycliffe Bible Translators




	HOW DO I...? View my accounts online Get a new PIN number for online access Change my 403b contribution amount Change my investment election or allocation of funds Update my beneficiaries Change my address Make a deposit to one of my accounts Withdraw funds from one of my accounts Take a loan against my 403(b) Combine my Retirement Accounts Maximize my ROTH 403(b) using a Systematic Withdrawal Request individual investment advice Sign up for electronic delivery of account information Get duplicate copies of my tax forms Process the account of a deceased member Get additional financial planning and investment advice View my accounts online American Funds Login to www.americanfunds.com If you do not currently have a login/password, click on ‘New to our Site?’ and follow the directions. Have your account number and social security number ready. Lincoln Alliance 403(b) Login to www.lincolnalliance.com You should have received a PIN number in the mail. If not, you can still access the website at www.lincolnalliance.com, click on the button – ‘Forgot Your PIN’, and follow the steps precisely to request a new PIN letter. This letter will be emailed or mailed to you, based on your request. Should you have any difficulty using the website, please contact Lincoln Alliance directly at (800) 234-3500, press zero, and speak to a Service Representative. The same procedure applied for replacement PIN numbers in case of loss. If for some reason you are unable to successfully complete this process go to the “Contact FMN” tab on this website and request a new PIN number. We will make the request for you. Lincoln National Annuities Go to www.lfg.com Click on ‘Register Now’ if you do not currently have a login and follow the steps. Have your account number and social security number ready. Return to top Get a new PIN number for online access American Funds Go to www.americanfunds.com to the account login section. You will be prompted. Lincoln Alliance 403(b) Access the website www.lincolnalliance.com, click on the button – ‘Forgot Your PIN’, and follow the steps precisely to request a new PIN letter. This letter will be emailed or mailed to you, based on your request. Should you have any difficulty using the website, please contact Lincoln Alliance directly at (800) 234-3500, press zero, and speak to a Service Representative. The same procedure applied for replacement PIN numbers in case of loss. If for any reason you are unable to complete the transaction go to the “Contact FMN” tab on this website and make the request by email. We will make the request for you. Lincoln National Annuities Go to www.lfg.com to the account login section. You will be prompted. Return to top Change my 403b contribution amount Lincoln Alliance 403(b) Login to www.lincolnalliance.com Click on ‘Initiate Requests’ Click on ‘Contribution Elections’ Click on ‘Start’ Verify that your current contribution is correct Click on ‘Next Step’ If you are changing the amount of your current contribution, enter the new number under ‘New Election $’ (or % if you are non-member employee) and click ‘Next Step’. If you are changing from EE PRE-TAX to ROTH 403B AFTER-TAX or vice versa, you must enter a zero in all other boxes. Click ‘Next Step’. If you do not enter a -0- next to your old contribution amount when changing contribution types both the old amount and the new amount will be deducted from your check. (You have the option to ‘Cancel’ the transaction at this time.) Review your choice on the next page for accuracy. If you need to make a change click on ‘Prev Step’ (Previous Step) to go back a page and make corrections. If it is accurate click on ‘Accept’. The next page is the confirmation of the change. You have the option of printing the confirmation at this point. Click ‘Done’ when you are through. This will take you back to the ‘Start’ page. If you don’t end up on the ‘Start’ page the process is not complete and the change will not be made.) Lincoln Alliance will send you a confirmation statement once you have completed the transaction as well. Return to top Change my investment election or allocation of funds American Funds Call our office at (800) 436-9340 and ask for the Wycliffe department. They will give you information. Lincoln Alliance 403(b) Login to www.lincolnalliance.com Click on ‘Initiate Requests’ Click on ‘Change Investment Elections’ Click on ‘Start’ If you have decided to use one of the recommended LifeSpan Asset Allocation Mode: Check the first box labeled ‘I want to invest using a LifeSpan Asset Allocation Model’. Click on the circle to the left of your chosen model.) To see details about your model click on view.) Click on ‘Next Step’. Review your investments for accuracy on the next page. If you are satisfied click on ‘Confirm’. If you want to make a change click on ‘Prev Step’ to return to the previous page. Print the ‘Confirmation’ page for your records. Lincoln Alliance will also send you a confirmation. Click ‘Done’ which will return you to the ‘Start’ page. If you do not end up back on the ‘Start’ page you are not finished and the system will not have saved your changes. If you have decided to invest according to your own guidelines… Scroll down to ‘Personalized Investment Elections’ and click the box that says ‘I want to personalize my investment elections’. Enter the percentages (NOT dollar amount) you want in the appropriate box next to the fund name. Review your choices and click ‘Next Step’. Review your choices a final time. If everything is correct click on ‘Confirm’. If you want to make a change click ‘Prev Step’ to return to the previous page. Print the ‘Confirmation’ page for your records. Once you have done this click on ‘Done’ which will return you to the ‘Start’ page. If you are not returned to the ‘Start’ page the process is not complete and the system will not reflect your changes. For investment advice tailored for WBT members see the “Allocation Flowchart” or “LifeSpan Target Model” tab on this website. Lincoln National Annuities Call our office at (800) 436-9340 and ask for the Wycliffe department. They will give you information. Return to top Update my beneficiaries American Funds Beneficiaries may be named for IRA and Roth IRA accounts. Please contact either Wycliffe Retirement Savings at Retirement_Savings_Orlando@Wycliffe.org or FMN by clicking on the “Contact FMN” option on this website. After-tax Savings accounts do not have named beneficiaries however you can re-register the account to a T.O.D. (Transfer on Death) account. The beneficiaries will then be listed on the account. To re-register your After-tax Savings account to a T.O.D. account please contact FMN by clicking on the “Contact FMN” tab on this website. The appropriate form will be provided to you. Please indicate in your note how you would like to receive this: email attachment, fax or mail. Be sure to include your email address, fax number or current mailing address. Lincoln Alliance 403(b) Login to www.lincolnalliance.com Click on ‘Initiate Requests’ Click on ‘Beneficiary Elections’ Click on ‘Start’ Your current beneficiaries are listed at the bottom of this page. Click on ‘Married’ and also click the box that says ‘I have read and understood the statement above’. Note: If you are married your spouse is automatically your primary beneficiary. If for some reason you want to name someone other than your spouse as the primary beneficiary you will need your spouse to sign a ‘Waiver’ form. When you click ‘married’ a link comes up for the ‘Waiver’. Click on that and follow the instructions. If you are single check the ‘Single’ box. You also need to check the box that says ‘I have read and understood the statement above’ before you can proceed. Click ‘Next Step’ To change existing beneficiaries: Click on the name on record. Scroll down to the see the details displayed. Make the appropriate changes and click ‘Update Beneficiary’. This brings you back to the previous page. If you would like to make more changes, click on another beneficiary name. When changes are complete click on ‘Next Step’. Review the information for accuracy. If you need to make changes click on ‘Prev Step’ to return to the previous page. If everything is correct click on ‘Confirm’. Print the confirmation page and click on ‘Done’ to complete the process. This will return you to the ‘Start’ page. (Lincoln Alliance will also send you a confirmation.) If you are not returned to the ‘Start’ page the process is incomplete and your desired changes will not be implemented. To initially enter beneficiaries: Scroll to the bottom. It will say ‘No previous elections’. Click on ‘Next Step’. Enter the appropriate information pertaining to your primary beneficiary. At the bottom of the form click ‘Add Beneficiary’. Follow the same process for any additional primary or secondary beneficiaries. When all are entered click ‘Next Step’. Review the information for accuracy. If you need to make changes click on ‘Prev Step’ to return to the previous page. If everything is correct click on ‘Confirm’. Print the ‘Confirmation’ page and click on ‘Done’ to complete the process. This will return you to the ‘Start’ page. (Lincoln Alliance will also send you a confirmation.) If you are not returned to the ‘Start’ page the process is incomplete and your desired changes will not be implemented. You may have as many secondary beneficiaries as you desire. Lincoln National Annuities You may send written instructions to the Retirement Savings department at Retirement_Savings_Orlando@wycliffe.org. The beneficiary form is also available from our office. Please click on the “Contact FMN” tab on this website and request a beneficiary change form. We will forward you the appropriate form. Please indicate in your note how you would like to receive this: email attachment, fax or mail. Be sure to include your email address, fax number or current mailing address. Return to top Change my address* (Current Member, Retirees and Former Members) CURRENT WYCLIFFE MEMBERS: Changing your address on Insite will set the address change process in motion. RETIREES AND FORMER MEMBERS American Funds Complete the “Address Change” form on this website. Lincoln Alliance 403(b) You must contact Lincoln Alliance directly at (800) 234-3500 as they will not allow anyone other than the member to request changes. Lincoln National Annuities Complete the “Address Change” form on this website. Return to top Make a deposit to one of my accounts American Funds All contributions to the American Funds accounts must be made through Wycliffe Retirement Savings Department. Please make a check payable to Wycliffe Bible Translators, mail check and investment instructions to: Wycliffe Bible Translators Attn: Retirement Savings Dept. P O Box 628200 Orlando, FL 32862-8200 Lincoln Alliance 403(b) All contributions to your 403(b) account must be made through your Finance Account via WBT payroll deduction. See the “How do I change my contribution amount” tab on this website for instructions. Lincoln National Annuities New Contracts: Please contact the Retirement Savings Department by email at Retirement_Savings_Orlando@wycliffe.org. Existing Contracts: For additional deposits to the Non Qualified account, please make your check payable to Lincoln Financial Group and indicate your contract number in the ‘Memo’ line. Mail your check with your written instructions to: Wycliffe USA, Post Office Box 628200 Orlando, FL 32862 Attn: Retirement Savings Dept. Return to top Withdraw funds from one of my accounts CURRENT WYCLIFFE MEMBERS All Accounts: Wycliffe requires that all active members meet their Mandatory Minimum Retirement Savings requirements before a withdrawal will be processed. If you wish to request a withdrawal, kindly contact the Retirement Savings Department at Wycliffe via email at Retirement_Savings_Orlando@wycliffe.org. A Retirement Savings Specialist will calculate the amount of excess savings that may be available for withdrawal. Lincoln National Annuities Non-Qualified, Traditional IRA and ROTH IRA: Penalties for early withdrawal may apply. Please contact Retirement Savings at Retirement_Savings_Orlando@wycliffe.org or FMN for assistance at (800) 436-9340 and ask for the Wycliffe department or click the “Contact FMN” tab on this website and describe what you need. American Funds: Contact Wycliffe Retirement Savings at Retirement_Savings_Orlando@Wycliffe.org or FMN for assistance at (800) 455-0300 x262 or click the “Contact FMN” tab on this website and describe what you need. Lincoln Alliance 403(b): For those still employed by Wycliffe, while the funds are legally available according to the IRS at age 59 ½, your withdrawal request will be subject to your agreement with Wycliffe to wait until after retirement to access these funds. You must contact the Retirement Savings Department by email at Retirement_Savings_Orland@Wycliffe.org for approval and instructions. According to the IRS the following withdrawal exceptions are applicable before you are age 59 ½ without a penalty being applied: Financial hardship under IRS guidelines Disability Divorce Death RETIRED AND FORMER MEMBERS: American Funds: Please contact FMN for assistance at (800) 436-9340 and ask for the Wycliffe department or click the “Contact FMN” tab on this website and describe what you need. You may also contact the Retirement Savings Department at Wycliffe by emailing Retirement_Savings_Orlando@Wycliffe.org. Lincoln National Annuities: You must be over age 59 ½ to withdraw funds from an annuity without a penalty. Please contact FMN for assistance at (800) 436-9340 and ask for the Wycliffe department or click the “Contact FMN” tab on this website and describe what you need. You may also contact the Retirement Savings Department at Wycliffe by emailing Retirement_Savings_Orlando@Wycliffe.org. Lincoln Alliance 403(b): Since you are no longer employed by Wycliffe, you will be able to withdraw your funds or roll them over to another qualified plan or IRA account if you wish. Once you have reached the age of 70 ½ you are required to take your Required Minimum Distribution. Contact Lincoln Alliance directly at (800) 234-3500 or call FMN at (800) 436-9340 and ask for the Wycliffe department for assistance. Return to top Take a loan against my 403(b). PLEASE NOTE: This is only available at Lincoln Alliance for active members. Lincoln Alliance 403(b) Go to www.lincolnalliance.com and login. Click on ‘Initiate Requests’ Click on ‘Loan Information’ After you complete the online form you are required to print each page of the application so you can fax the entire signed application to Lincoln Alliance. If you are married, your spouse must sign the application and their signature must be notarized. Fax the completed, signed application to Lincoln Alliance at (260) 455-9975 For additional assistance contact Lincoln Alliance directly at (800) 234-3500. Return to top Combine my Retirement Accounts In general, Wycliffe Bible Translators only allows retirement savings contributions on the Lincoln Alliance Platform to a Traditional 403(b) and/or ROTH 403(b). Systematic Withdrawal Program from payroll: Members who have an American Funds after tax savings account can effectively “shift” those funds into their retirement account by participating in a systematic withdrawal plan to maximize your contribution to Lincoln Alliance ROTH 403b (see “Maximize my ROTH 403(b) using a systematic withdrawal” tab under FAQ). Contributions to a ROTH IRA and /or Traditional IRA at American Funds via transfer from American funds after tax savings account: If you wish to either establish a ROTH IRA and/or Traditional IRA –or– contribute to an existing account, please contact FMN for assistance at (800) 436-9340 and ask for the Wycliffe department or click the “Contact FMN” tab on this website and describe what you need. Members who have an existing Traditional IRA either at American Funds and/or Lincoln National can combine their accounts either by: Converting a traditional IRA to a ROTH IRA. Please contact FMN for assistance at (800) 436-9340 and ask for the Wycliffe department or click the “Contact FMN” tab on this website and describe what you need. Our planners will request and review your most recent tax return and obtain eligibility information to make a recommendation. Transfer existing Lincoln National IRA and/or ROTH IRA to American Funds. Transfer existing American Funds IRA and/or ROTH IRA to Lincoln National. Transfer an existing Traditional IRA into your Lincoln Alliance account. Again, please contact FMN for assistance. Members who have an existing Traditional IRA with another investment firm or a 401k or 403b from a former employer can roll these accounts over to their Lincoln Alliance account. Please contact FMN for assistance at (800) 436-9340 and ask for the Wycliffe department or click the “Contact FMN” tab on this website and describe what you need. Return to top Maximize my ROTH 403(b) using a Systematic Withdrawal (Active Members Only) Many active members have used the American Funds after-tax account to maximize their Lincoln Alliance ROTH 403(b) accounts. You must have active monthly earned income since payroll deduction is the only way to invest money into this account. This is known as a Systematic Withdrawal. The only way to contribute to the 403b account is through payroll deduction. In order to do this, we will review your 5 most recent remittance advice slips and recommend an additional amount to contribute to your 403b from your payroll. At the same time we will arrange a monthly withdrawal for the same amount from your after tax accounts and deposit them in your checking account until the after tax funds have been depleted. In this way your monthly payroll amount will not be affected. In order to determine the appropriate amount to add to your monthly ROTH 403b contribution, we will need additional information. Please click on “Questionnaire” on this website and complete the form, noting in the comments field that you would like to set up a systematic withdrawal. In addition, upload a copy of your last 5 remittance advice slips/pay stubs for review. We will then send you a completed systematic withdrawal enrollment form for your approval and signature. Also, if you want additional information about this process before proceeding, click on the “Contact FMN” tab and request information about the systematic withdrawal or call FMN at (800) 436-9340 and ask for the Wycliffe department. Return to top Request individual investment advice There are multiple places on this website to get investment advice. Click on any of the following tabs for existing recommendations for WBT members: “Allocation Flowchart”; “Investments”; “Financial Planning” If you have specific questions or needs not addressed on the website please click on “Questionnaire” and complete the form. Please upload a complete copy of your taxes for the most recent year as we cannot give a recommendation without this information. Uploading via our secure website delivers your information directly to our server. Return to top Sign up for electronic delivery of account information American Funds Login to www.americanfunds.com Click on ‘Learn More’ under ‘Go Paperless’ and follow the steps. Lincoln Alliance 403(b) Login to www.lincolnalliance.com Click on ‘Personal Info’ Scroll down and change the ‘Elections’ to email and enter your address. You will receive an email confirmation which requires you to confirm the request. If you do not follow the confirmation steps the change will not take place. Note: A paper copy of your quarterly statement must be mailed to you by law regardless of whether you check this box. Your prospectus may be email only. Lincoln National Annuities Login to your account at www.lfg.com Request ‘edelivery’. Return to top Get duplicate copies of my tax forms* American Funds Go to www.americanfunds.com Click on ‘Your Accounts’, ‘Account Summary’ Under Account Services click on ‘View/Order Tax Forms’ Note: You may not receive certain tax forms for your account if you have not had any transactions in the last year. If you’re not certain, contact American Funds at (800) 421-0180. Lincoln Alliance 403(b) You will not receive tax forms for your 403(b) unless you have made a taxable withdrawal during the past year. If you believe you should have received tax forms please contact Lincoln Alliance at (800)234-3500. International members unable to make this call can contact Retirement Savings at Retirement_Savings_Orlando@Wycliffe.org or go to “Contact FMN” on this website and request the information. We will make the request for you. Lincoln National Annuities Login to www.lfg.com. (If you do not have an online account set up, go to “View my accounts online” under the FAQ heading.) There is an option on the left menu labeled ‘estatements’. Click on the tax forms option under this heading. Should you be unable to find this information online for any of your accounts please contact Retirement Savings at Retirement_Savings_Orlando@Wycliffe.org or FMN by using either the “Contact FMN” tab on this website or by calling (800) 436-9340 x262. Return to top Process the account of a deceased member* Contact Wycliffe’s Retirement Savings Department by email at Retirement_Savings_Orlando@Wycliffe.org or contact Dawne Coleman at (407) 852-3639. For advice regarding the disposition of these accounts or for financial advice contact our office using the “Contact FMN” link on this website, complete a “Questionnaire” on this website and indicate what information you are requesting in the ‘Comments’ section, or by telephone at (800) 436-9340 x262. Return to top Get additional financial planning and investment advice Fill out an online questionnaire and a member of FMN's WBT team will contact you within two weeks to go over your quesitons and offer a full analysis of your situation. Return to top