In this section, you'll find important educational materials for your employees that outline the distribution options for their retirement plan money and the tax implications of each. A checklist is included to help them decide what to do, along with instructions they'll need to initiate their transaction.

Be sure to encourage your employees to read all of the materials. Employees who roll their savings to an American Funds IRA must read the American Funds IRA Agreement and Rollover IRA Disclosure Statement.

Click on each link below to view and print the distribution materials for your plan.
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1. Retirement Savings Options for Plan Participants (PDF)
   This brochure explains the pros and cons of rolling to an IRA or a new plan, staying in the plan and taking a cash distribution.
2. Important tax information (PDF)
   Employees should read this special notice, which explains the tax implications of each option, before making their decision.
3. Rollover/distribution checklist (PDF)
   This checklist will help employees to decide what option is best for their situation.
4. Distribution instructions and forms
   Employees must request a distribution online or complete the appropriate form to initiate their transaction. If you have questions about state income tax withholding, look for answers on our FAQ page.
   
   To request a distribution online:
   1. Employee logs in to their retirement account at www.myretirement.americanfunds.com
   2. Employee clicks on Withdrawal Request under "Withdrawals" in the main menu
   3. Employee completes the online process
   Standard retirement, termination and in-service distributions are requested online. Forms are required for other distributions related to hardship, death, disability and divorce (QDRO). These forms are available in the Forms section.
   
   Distribution forms:
   • Direct Rollover to an American Funds IRA request form
     Employees should use this form to roll their money into an American Funds IRA.
   • Separation from Employment Withdrawal Request form
     Employees should use this form to roll their money to another IRA or employer plan, or to take a cash distribution.
5. American Funds IRA Custodial Agreement
   Employees should keep a copy of this agreement for their records if they're rolling to an American Funds IRA.
6. Traditional or Roth IRA Disclosure Statement (PDF)
   This statement summarizes the financial and tax implications of establishing a Traditional or Roth IRA.

Employees can also find distribution information and resources in the Withdrawal Information section at www.myretirement.americanfunds.com.