Engineering Inc. - March/April 2010 - Cover2

ACEC Retirement Trust Guaranteed Income to protect your DC plan against market declines You and your plan participants need to know their retirement income is guaranteed. Prudential’s innovative fund option, Prudential IncomeFlex® TargetSM, combines the desired features of de ned contribution and de ned bene t plans: • Simplicity of a target-date fund • Protection against market downturns for retirement income • A “pension-like” guaranteed lifetime income stream • Access to principal Prudential IncomeFlex Target is available to ACEC Retirement Trust Plans beginning April 1, 2010. THE ACEC RETIREMENT TRUST • Oversight by the ACEC Board of Trustees • Strong client satisfaction and retention rates • Simpliﬁed investing solution through the GoalMaker® asset allocation program oﬀered by Prudential Retirement • Guaranteed lifetime income option through Prudential IncomeFlex To learn more about the bene ts of the ACEC Retirement Trust, contact Nancy Barrette of Wells Fargo Advisors, LLC at 1-800-521-9463 or via email at nancy.barrette@wellsfargoadvisors.com Please keep in mind that application of asset allocation and diversiﬁcation concepts does not ensure safety of principal and interest. It is possible to lose money by investing in securities. Securities products and services are offered by Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ 07102-4077. Prudential Retirement’s group annuity contracts are issued by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT, a Prudential Financial company. PIMS and PRIAC are Prudential Financial companies. Prudential IncomeFlex® TargetSM funds are investment options available under group variable annuity contracts issued by PRIAC. PRIAC does not provide any guarantee of the investment performance or return of contributions to those separate accounts. PRIAC’s guarantee of certain withdrawals is supported by PRIAC’s general account and is contingent on its claims-paying ability. You should consider the objectives, risks, charges and expenses of the funds and guarantee features before purchasing this product. You should carefully review the Prudential IncomeFlex Target Important Considerations before purchasing this product. Product availability and terms may vary by jurisdiction. Subject to regulatory approvals. Annuity contracts contain exclusions, limitations, reductions of beneﬁts and terms for keeping them in force. Contract form # GA-2020-TGWB3-0805 or state variation thereof. Prudential Retirement, Prudential Financial, PRU, Prudential and the Rock logo are registered service marks of The Prudential Insurance Company of America, Newark, NJ and its afﬁliates. Prudential Retirement is a Prudential Financial business. 0172014-00001-00 02/2010 RSF1099 Printed 02/2010

Engineering Inc. - March/April 2010

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