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120 to 90 Days Out 

• Select 3 Key Dates:
  • Last day on payroll*
  • First day of retirement*
  • Benefits commencement date (BCD)
• Inform supervisor of key dates…In writing.
• Submit Pay-in-lieu of vacation form (if applicable).
• Request Intent-to-Retire Package from Benefits.

60 Days Out (or when Intent-to-Retire Package arrives)

• Meet with Advisor to discuss and review.
  • Lump Sum Election Form.
  • Qualified Rollover Form.
  • Address Verification Form.
  • Direct Debit Form (Optional).
• Return at least 31 days prior to BCD to avoid processing delay.

0 Days Out (or within 1-2 days of BCD)

• Lump Sum check delivered to you by mail.
• Hand deliver or send to Bogart Wealth via prepaid UPS envelope.
• Meet with Advisor to discuss:
  • Finalize cash flow strategy.
  • Finalize tax planning strategy.
  • Review investment implementation.
  • Prepare for imminent Savings Plan rollover call.

5 to 10 Days After Retirement.

• Meet with Advisor to complete Savings Plan rollover call.
  • Phone call to Custodian (Voya).
  • Custodian verifies you are eligible.
    • Retirement date communicated by Benefits.
    • Any QDRO hold has been released.
  • Custodian verifies you have read Special Tax Disclosure.
  • We tell the Custodian:
    • Number of NUA shares to transfer.
    • Disposition of remaining shares.
    • Account number and address for the transfer.
    • Disposition of remaining after-tax amount (if applicable).
• All fund units and common assets will be converted to cash and “rolled over” in the form of a check.  It will be sent directly to us and made payable for your benefit.
• All non-NUA shares will be temporarily transferred to Computershare.
• All NUA shares will be temporarily transferred to Computershare.
• *Know Year-End Leave Rule

10 to 15 Days After Savings Plan Rollover call.

• Rollover check received and deposited by Bogart Wealth.
• Non-NUA shares received by Bogart Wealth (via Computershare).
• Computershare statement for NUA shares received by you.
  • Email or fax statement to Bogart Wealth.
  • We will initiate the transfer process for you.
  • NUA shares will be received within 2-3 days.

30 Days After Retirement

• Meet with Advisor to review entire process.
  • Ensure all documents from Voya are correct.
  • Ensure all shares and accounts are setup correctly.
  • Review portfolio management process and expectations.
  • Review cash flow strategy and ensure accounts are linked.
  • Discuss any necessary tax items.
  • Review Financial Plan numbers.
  • Discuss larger items such as Social Security Optimization.