Paige, 
Is this something I can request be done through you? Or are we required to use their company? Website: www.morganstanleyfa.com/theradcliffgroup 
2019 Open Enrollment for 401(K) and Flexible Spending Accounts is November 19, 2018 thru December 3, 2018. 
401(k) RETIREMENT PLAN: 
IRS Limits for 2019: Elective Deferral $19,000 and "Catch-Up" $6,000 
· Enroll, increase or decrease deferral percentage (no limit per paycheck) · Elect "Catch-Up" contributions; (must be turning 50 or older in 2019) · Matching Contributions (20% on up to 15% of annual salary) 
· Vesting (1 year or more, 100%) 
Plan Distributions: 
· Retirement 
· Death 
· Termination of employment 
Financial Hardship Withdrawals: 
· All or part of elective deferral contributions (not earnings) for immediate • and severe financial need. 
· Elective deferral contributions will be suspended for six months following the date of the withdrawal. 
In-Service Withdrawals: 
· Rollover Withdrawal 
· Age 59 1/2 Withdrawal 
· 5 Year Active Member Withdrawal 
Fees 
· $50 incurred each time a distribution is processed 
· An $50 annual fee will apply to new installment election, if available, under the plan (collected quarterly)