But you may continue to earn credit toward vesting for your DB benefits as long as you left your personal contributions on account with the retirement system. The Finance Department of the Supreme Court will be responsible for makingemployerpayments to the probate judge's State DC account. <> Its Employee Health Management Division assists employees with work-related illnesses and injuries. 117 0 obj <>/Filter/FlateDecode/ID[<085D698ED8F7194AB39A001FDAE49717>]/Index[104 20]/Info 103 0 R/Length 71/Prev 31692/Root 105 0 R/Size 124/Type/XRef/W[1 2 1]>>stream View Forms. Phone: 800-381-5111 or 517-284-4400 Elected the DB Classified plan under Public Act (PA) 264 of 2011. endobj Monday through Friday, 8:00 a.m. to 5:00 p.m. In order to protect your personal information, we automatically log you out of your account after a certain period of inactivity. As a deferred member, you will be eligible for your pension when you reach age 60. Telephone Numbers: s5"714R1l;2 =E}ng.syC>!KVU GYatr*+w5yz1|u(0j.HF_Q=gFyauTXUYOQ3?c9A!$BGHZ>#W3Y>bM)-Dpc90u]ohQ4:wK A_8@"I|0:!|xBq$gx=FmWq#wG\im .x&:UQ0* If you take a deferred retirement, be sure to file your pension application 3-6 months before your 60th birthday or you could lose money. Current laws, rates, and factors are subject to change. You're a participant in the Defined Contribution (DC) plan if you: State Employees' Retirement System Defined Contribution plan website. endobj the provisions of the law govern. Participants can make contributions to any combination of the pre-tax 401(k) or Roth 401(k) Plans, receiving a match on the first 3 percent. C. The Trust is irrevocable, or will become irrevocable, upon my death. Can you work a bit longer in order to vest? District, Circuit, and Probate Court Judges (Plans 3 through 7): No insurance subsidy. A State of Michigan Defined Contribution 401 (k) Probate Judge Contribution Report (R0437B) must accompany the contributions sent to Voya. VRIAC is solely responsible for meeting its obligations. e; 9;,QKdVi$3M{$!ZO(||lrMqYZUAcQQ3C.,Qxy"qwzSIET. Any insurance products, annuities and funding agreements that you may have purchased are sold as securities and are issued by Voya Retirement Insurance and Annuity Company ("VRIAC") One Orange Way, Windsor CT 06095-4774. Voya 401(k) Savings Plan 776991 Make a photocopy if you wish to retain a copy for your records. But there are ways to uncover emergency funds without dipping into your retirement savings. %%EOF The index measures key performance indicators across culture and leadership, enterprise-wide access, employment practices, community engagement and supplier diversity. Ropes & Gray LLP > Chicago, United States > Firm Profile. 401(k) loans arent immediately taxable unless you leave your job, but are repaid with after-tax funds. 800-Number: 800-381-5111 Welcome to the forms page. Fax: 517-284-4416, Office of Retirement Services If you are vested, you'll want to take steps before you leave and while your pension is deferred to protect your pension rights for yourself, and possibly your eligible survivor. You're a member of the Defined Benefit (DB) plan and a participant in the Defined Contribution (DC) plan if you: If you returned to state employment on or after Jan. 1, 2012, go to Returning to State Employment to find out how your retirement benefits are affected. The Office of the State Employer also manages the workers' compensation program for State of Michigan employees. CDL A Flatbed Truck Driver - Home Every WeekendJob Description$74,091 to $96,404 annual payHomeSee this and similar jobs on LinkedIn. Read the latest Connections, the newsletter we deliver four times a year to our retirees. &$;9' !3[8_A]w3;{sM2U+t. 401(k) 457; FAQs Forms. Manager: Voya Investment Management Co. LLC Category: Small Cap Growth Objective: Seeks capital appreciation. Voya Financial Advisors, Inc., a leading independent broker-dealer in the defined contribution & defined benefit business, is currently seeking a Financial Professional to join our team in the greater DC area to work plan sponsor relationships. . 0 New DC (elected or appointed after March 31, 1997) 80% subsidy. In order to protect your personal information, we automatically log you out of your account after a certain period of inactivity. . If you have any questions regarding thesubmission of fundsto Voya, the following personnel at Voya will be able to assist you: Diane Shaw Current laws, rates, and factors are subject to change. Lansing, MI 48909-7671, https://dev.michigan.local/som/json?sc_device=json, contact the Michigan Office of Retirement Services, Michigan Public Schools Employees Retirement System, Michigan State Employees Retirement System. If you previously enrolled in a state-sponsored LTCI plan with LifeSecure, Prudential or MetLife, you can call the vendor directly. nav list. Plan administrative services are. Yes. Customer Contact Center: 517-322-5103, Office of Retirement Services Fax: 517-284-4416, Office of Retirement Services If you earn sufficient service credit for vesting, you will be eligible for a pension based on your final average compensation and years of service in the DB plan. Your insurance premiums may be covered, in part, by the retirement system. Forms Library for Employers. The Benefits for Life, the retiree-paid, optional coverage program offered through the state of Michigan offers you the opportunity to apply for coverage in key benefit areas. <>/Font<>/XObject<>/Pattern<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 552 732] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> In addition, the State matches dollar for dollar the first 3 percent of contributions each pay period. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. State of Michigan 401(k) and 457 Plans Skip to Main Content Skip to Footer State of Michigan 401(k) and 457 Plans Session Timeout. You just received an enormous medical bill, signed your child up for an essential therapy your insurance doesnt cover, or feel desperate to make your way out of debt. In addition to recruiting and hiring state employees, the Civil Service offers employee training, including seminars on planning and investing for retirement. The judge may initiate the loan via the Voya Voice Response telephone system or by logging in at http://stateofmi.voya.com. Forgot Your Password? 1 0 obj 63/{Eov?? 401K Plan: Participants in the 401K Plan who are employed by the State of Michigan and certain other State-related entities (excluding "Reporting Units" and the "EAA;" as such terms are defined in the Plan), may take out loans from the 401K Plan. Try Talent.com's salary tool and access the data you need. If your county has not submitted this form you may download a copy by clicking on the link above. Participants in this plan receive a 4% gross pay contribution by the State of Michigan. Link to the Retirement Act for State Employees. this morning, we're following fast moving developments out of brazil where police have arrested hundreds who attacked the presidential palace and congress. Telephone Numbers: PO Box 30171 Of course, you know the people in your life better than anyone. An IRA can be an effective retirement tool. The Michigan Office of Retirement Services administers two different retirement plans for State of Michigan employees: a Defined Benefit plan and a Defined Contribution plan. Neither Voya Financial or its affiliated companies or representatives offer legal or tax advice. All loans are made strictly in accordance with the provisions . The first 3% participant contribution is matched by the state with another 3%. Because the salary for probate judges is channeled through the local units of government, with no payments made directly from the State, some local participation and assistance is necessary for a probate court judge to fully participate in the State DC plan. It is up to the local unit of government to determine if a judge who elects not to participate in the State DC plan may participate in the local retirement plan. their beneficiaries. If you have other after-tax funds at your disposal, use them before your 401(k). Your pension will be calculated the same as a full retirement. Voya Insights Small Business & Nonprofit Resource Center Workplace Benefits and Savings Webinars Cybersecurity 401(k) InfoCenter 403(b) Regulations The Voya Difference Behavioral Finance Voya Cares . Participants in this plan receive a 4% gross pay contribution by the State of Michigan. Web:diane.shaw@us.voya.com. Voya Financial) for both Plans, pursuant to which the TPA is responsible for the day-to-day administration of the loan program, subject to . endobj DC Transfer Life insurance cards were sent to the Employee Benefits Division (EBD). Under the State DC plan, there is a required minimum 4% employer contribution of the judge's gross salary for retirement purposes and up to an additional 3% match for a total of 7%. Telephone Numbers: @y6$}wwaQQE&>#;|-RT;4A<07k%-u(q?{! These offerings do not replace your state-sponsored benefit plans. The State Employees' Retirement System is a statewide public employee retirement plan administered by the Michigan Office of Retirement Services. To request a refund, log in to miAccount and select Refunds on the left navigation. The fund emphasizes fixed income investment over stocks. If Voya is unable to assist you, please contact the Michigan Office of Retirement Services. Because payroll for the probate judges is handled at the local level as noted above, their salary deferrals to the State DC plan take place at the local level. Voya Small Cap Growth Strategy. 6 or more years of service 80% subsidy. Please note that this calculator should not be used for Roth 401 (k) comparisons. endstream endobj 105 0 obj <>/Metadata 12 0 R/PageLayout/OneColumn/Pages 102 0 R/StructTreeRoot 16 0 R/Type/Catalog>> endobj 106 0 obj <>/Font<>>>/Rotate 0/StructParents 0/Type/Page>> endobj 107 0 obj <>stream 4 0 obj Get the free DROP Early Termination Form - State of Michigan Description . Instructions for completing the form are located on the reverse side of the form. Attn: State of Michigan Plan Administration If you're not vested, you won't qualify for a future pension unless you earn more service credit. Other compensation such as any salary paid as part of the State Demonstration Project, other county paid salary for services as a judge or payments made in lieu of benefits cannot be included. This board provides oversight of the Defined Benefit plan in the State Employees' Retirement System. About the State Employees' Retirement System. Were newly hired by the State of Michigan on or after March 31, 1997. Use the information below to determine which plan(s) you belong to and the website link for that plan. Should there be discrepancies between the information reflected here and the actual law, the provisions of the law govern. Elected Officials (Plan 1): Age 60 with two full terms in the office of Governor, Lieutenant Governor, Secretary of State, Attorney General. Most are able and willing to complete this process with you. Stunt the growth of your retirement funds and impact your ability to retire. Because the plans are optiona, State of Michigan Retirement System Board Members. State of Michigan 401(k) and 457 Plans. Find Claims forms as well as Administrative forms. Products and services offered through the Voya family of companies. The Plan has been amended and restated since the Plan's original adoption and retitled as the "State of Michigan 401K Plan." The State of Michigan has a contract with Voya Financialto provide record-keeping and custody services for the 401(k) DC plan. 2 0 obj Page 2 of 4 Order #148534 02/05/2016 TM: BENEMAINT 3. . Withholding Certificate for Michigan Pension or Annuity Payments MI W-4P, Qualified Domestic Relations Order (QDRO) Sample Language, Special Tax Notice Regarding Savings Plan Payments, TD Ameritrade Account Agreement Form for Self-Directed Brokerage Accounts (SDBA) for Plan Participants, 457 Traditional Catch-Up Contribution Program, 401(k) Coronavirus-Related Repayment Form. endstream endobj startxref But there are a few things you should consider: To find out how much credit you have, log in to miAccount and click Service Credit. Began your state employment under the Defined Benefit (DB) plan and chose to transfer to the DC plan under Public Act 487 of 1996. Should there be discrepancies between the information reflected here and the actual law, Welcome to the QDRO Center. In order for the Supreme Court Finance Department to submit the appropriate State match in a timely fashion, the judge's salary deferral must be submitted to Voya no later than the 5th business day after each pay date. Office of Retirement Services 401(k) InfoCenter 403(b) Regulations Enter a keyword in the search field above and your results will be displayed as you type. We are an innovative retirement organization driven to empower our customers for a successful today and a secure tomorrow. Please contact a customer service representative at 1-800-748-6128 to access your account. Your state service might count toward retirement benefits in another public employer's retirement system or in a Michigan public school. If you have been contributing to the state-sponsored 457 or 401(k) plans, Voya Financial will send you its Payout Guide once your termination is processed. Manager: State Street Category: Target Retirement date fund Objective: Provide moderate capital appreciation and some stability of principal for investors planning to retire in approximately the year 2065. If the probate judge in your county receives a portion of his or her salary from different units of government, it will be necessary for you to coordinate with the other county(ies) and only one county submits the necessary salary deferrals. Find out if you qualify for a home equity line of credit, which borrows against the value of your house. As a retiree, your state-sponsored life insurance continues for you and your dependents at no charge to you. Current laws, rates, and factors are subject to change. We are an innovative retirement organization driven to empower our customers for a successful today and a secure tomorrow. Contact your care provider, and see if you can arrange a reasonable payment schedule. Here are answers to questions you might have. Were employed by the State of Michigan on or after April 1, 2012, when the retirement system again became contributory. When to contact us Before You Leave Review your retirement account. State of Michigan 401(k) and 457 Plans 401(k) State of Michigan 401(k)Plan To download the desired publication, simply click on its title in the following list. If you're not vested when you leave state employment, you're not eligible for a future pension. The web Browser you are currently using is unsupported, and some features of this site may not work as intended. % All rights reserved. To make the best choices for your funds and your family, talk to a Voya financial advisor today. 0. If you die while in deferred status, a monthly survivor pension will be payable to your eligible beneficiary, if any, the month after you would have turned age 60. Remember to keep your beneficiary information current, especially if you are unmarried and have no children under 18. We will ask for your Social Security number to identify your retirement account and we may request a copy of your death certificate. Be sure to apply three to six months before you reach age 60 your pension won't be any higher if you wait, and you could lose money because we can't pay retroactively. 3 0 obj You can name your spouse, child or adopted child, parent, sibling, or grandchild as the beneficiary for your pension. Account Number: 1R1A4684-0187 The web Browser you are currently using is unsupported, and some features of this site may not work as intended. stream <>>> You have personal contributions on account if you: If you return to State of Michigan employment before you retire, you'll become a participant in the Defined Contribution (DC) plan as of the date of your rehire. Call us: Get the free state of michigan 401k login form Description of state of michigan 401k login 401 (k) Plan Financial Hardship Withdrawal Request 1-800-748-6128 http://stateofmi.voyaplans.com If you are over 59, you do not need to apply for a hardship withdrawal to receive a distribution from Fill & Sign Online, Print, Email, Fax, or Download Get Form Posted 11:47:49 PM. Lansing, MI 48909-7671, https://dev.michigan.local/som/json?sc_device=json, Defined Contribution (DC) Reporting Process, Go to Processing Service Credit Purchases, Paying Off or Paying Down an Existing TDP Agreement, Using Final Leave Balances to Purchase Service Credit, Go to Defined Contribution Plan Information, Go to Defined Contribution New Hire Information, Go to Defined Contribution Transfer Information, Plan Highlights for Judges and State Office in the DC Plan, Michigan Public School Employees Retirement System, Michigan State Employees Retirement System. State Police Retirement System:Pension Plus Plan. Once you terminate or switch to the DC plan, it is too late. DC plan participants invest in the State of Michigan 401(k) and 457 Plans. Voya Attn: Constellis 401 (k) and Retirement Plan Administration P.O. Try Again 3 0 obj Single log-in. Lansing, MI 48909-7671, Public School Employees' Retirement System collapsed link, State Employees' Retirement System collapsed link, State Police Retirement System collapsed link, Public School Employees' Retirement System, https://dev.michigan.local/som/json?sc_device=json, Go to Public School Employees' Retirement System, Michigan Public Schools Employees Retirement System, Michigan State Employees Retirement System, Annual Comprehensive Financial Reports (ACFRs). of the State or Commonwealth of . Salary deferrals made by the probate judge to the State DC plan must be deducted and sent to Voya by the local unit of government. We are an innovative retirement organization driven to empower our customers for a successful today and a secure tomorrow. When you leave state service, your human resources office will have you complete a Deferred Service Retirement Beneficiary Designation (R0134G)form. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. hbbd``b` BH0 hfXKABK@i#w X Dental and Vision. -Judicial employees who were hired before March 31, 1997. 2 517-284-4422 Voya works with the Michigan Office of Retirement Services and maintains the State of Michigan 401(k) and 457 Plans Our office does not sell investment products, we strictly provide education and information to participants in the Plans Plan Education Team Services Telephone: 781-796-9228 About three to six months before you reach eligibility age. Your account balance in a lump sum (less required tax withholding) to you. Posted 11:47:40 PM. The forms that can be used for both plans are listed first, followed by forms specific to each Plan. It works like a credit card with low interest rates, allowing you to access the funds you need and repay it when you can. Voya Financial Advisors, Inc., a leading independent broker-dealer in the defined contribution & defined benefit business, is currently seeking a Financial Professional to join our team in the greater Columbus area to work plan sponsor relationships. If you have no surviving spouse, it is split among your children under age 18. endstream endobj 769 0 obj <>stream Box 24747 Jacksonville, FL 32241. Were employed by the State of Michigan before July 1974, when the retirement system was contributory. What should I do? Manager: State Street Category: Target Retirement Income fund Objective: Provide current income from fixed income securities while maintaining some exposure to equity investments for capital appreciation. 800-Number: 800-381-5111 * 401(k) Savings plan - with generous company matching contributions (up to 6%) * Voya Retirement Plan - employer paid cash balance retirement plan (4%) * Tuition reimbursement up to $5,250/year * Paid time off - including 20 days paid time off, nine paid company holidays and a flexible Diversity Celebration Day. Alternatives to a 401(k) hardship withdrawal, Apply for government benefits in your state, Talk to a financial advisor to get started. The plans are offered through the State of Michigan 401 (k) and 457 Plans. See I'm VESTED. endobj The message board is your secure link to an ORS customer service representative. But if the need is short-term, it might make sense to use and pay off a credit card instead of touching your retirement account. Eligible dependents for health, dental, and vision insurance plans include your spouse (as long as he or she is not also separately enrolled as an eligible state employee or retiree) and your unmarried children by birth, legal adoption, or full legal guardianship. While the funds you borrow will reduce both your paychecks and the balance you have invested in the market for retirement until theyre paid off, a 401(k) loan has no effect on your credit rating. A judge may irrevocably elect not to become or to discontinue participation as a DC plan participant. 401 (k) Savings plan - with generous company matching contributions (up to 6%) Voya Retirement Plan - employer paid cash balance retirement plan (4%) Tuition reimbursement up to $5,250/year . It also allows the opportunity to rollover prior employer qualified plans and IRAs to the 401 (k) Plan. Fax: 517-284-4416, Address: Strategy: The fund invests in a combination of U.S. stocks, International stocks, bonds and cash. Manager: State Street Category: Retirement date fund Objective: Provide moderate capital appreciation and some stability of principal for investors planning to retire in approximately the year 2045. A copy of the report must either be faxed or mailed to the Office of Retirement Services. Please seek the advice of a tax attorney or tax advisor prior to making a tax-related insurance/investment decision. It can be tempting in a desperate moment to pay the fees and penalties of a 401(k) hardship withdrawal in order to avoid high interest rates. If this is truly an emergency, you do have the choice to ask friends and family for help and put a plan in place to pay them back. You would also become eligible for the retiree health insurance premium subsidy and death and disability benefits offered by the state. Consider the following points before you request a refund. Review your retirement account. The 457 Plan offers Basic and Member Investment Plan (MIP) members who have the Premium Subsidy retiree healthcare benefit the opportunity to invest in the 457 Plan. Get Form eSign Fax Email Add Annotation . 768 0 obj <>stream There are two basic types of Individual Retirement Accounts (IRA): the Roth IRA and the Traditional IRA. Elected the DB 30 plan under Public Act (PA) 264 of 2011 and you have reached 30 years of service. The retirement plan information that appears on this website is intended to summarize basic provisions of Public Act 300 of 1980, as amended. State Employee Retirees Association (SERA) A refund forfeits all rights to any future pension and insurance benefits for you and your beneficiary. Ask about a payment plan for your medical bills. "a_Ff}e30bTPCf1ck0ras@? The judge must send such a request in writing to: Office of Retirement Services <> Fixed annuities are issued by VRIAC. What should I do? Local CDL B Truck Driver - Home DailyJob Description$57,500 to $74,600 annual payHome Time: LocalSee this and similar jobs on LinkedIn. State Employee Retirees Association (SERA). You are vested for your pension when you have sufficient service to qualify for a future monthly benefit, whether or not you continue working for the state. You'll retain your eligibility for your pension, insurances, and death and disability benefits under the Defined Benefit (DB) plan. This amount is a post-tax deduction and should be reported along with any salary deferrals the judge has. Probate judges are automatically sent a letter upon taking office giving them the opportunity to opt out of the State's DC plan; this decision is irrevocable. Voya is a leading provider of pension plans and was selected by the state to administer the 401 (k) Defined Contribution plan and the 457 Deferred Compensation plan. Voya will track contributions made on behalf of the DC Plan, but any contributions made from a different plan are the responsibility of the Judge to track. Use this tool to determine which IRA may be right for you. Make sure you understand how your termination could affect your future retirement plans. Other compensation such as any salary paid as part of the State Demonstration Project, other county paid salary for services as a judge or payments made in lieu of benefits cannot be included. If you have contributions on account, you can request a refund (or transfer your personal contributions and interest to another qualified retirement plan) using miAccount at any time after you terminate your state employment. Current laws, rates, and factors are subject to change. Lansing, MI 48909-7671, ORS - State Employees' Defined Benefit Plan, Defined Benefit Plan Overview collapsed link, Service Credit - Earning and Purchasing collapsed link, Online Presentations and E-Learning Modules collapsed link, Power of Attorney and Advance Directive Resources, Online Presentations and E-Learning Modules, https://dev.michigan.local/som/json?sc_device=json, Covered Employees and Conservation Officers, Go to Service Credit - Earning and Purchasing, Act 88 - Reciprocal Retirement Act of 1961, Unpaid Service Creditor Contributions Bill(s), Go to Power of Attorney and Advance Directive Resources, Go to Health, Dental, and Vision Insurance, Go to Benefits for Life for State Retirees, Go to Online Presentations and E-Learning Modules, view a pre-retirement online presentation, Michigan Public School Employees Retirement System, Michigan State Employees Retirement System, Annual Comprehensive Financial Reports (ACFRs). Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. Routing Number: 011000028 Rarely is it advisable to take a refund of your personal contributions once you are vested. MVFA/1!,)JkA|oNO+e2gS*~) WZ? Box 30171 Judges Retirement System:Defined Benefit (DB) Plan. We are an innovative retirement organization driven to empower our customers for a successful today and a secure tomorrow. Auditor General (Plan 1): Age 60 with 4 years of service. |x2xp2R%suD*8CXhFd'dz:]'g{,zA_waj7d>>ulP k}sf[@)@-jFbf=C76R-B.[ULz <> This position will be responsible for 403(b)/457 enrollment, retirement and investment strategies, and participant education and seminars. This state office oversees contract negotiations with bargaining units for the state workforce. hb```H !74>0Z ` FP(r=$/{L!$0"` u~ Please click OK to re-enter your . ET Monday through Friday 877-886-5050 Claims Customer Service Start a claim and check a claim status Hours: 9 a.m. to 5 p.m. Read the section I'm NOT VESTED. Ropes & Gray LLP Offices 401(k) Savings plan - with generous company matching contributions (up to 6%) . Check the "voya state of michigan" Portal here to get the information that you are looking for and Just click on the result pages. Employer Reporting: 517-636-0166 There may be after-tax funds available in your 401(k). Voya will contact the local office regarding the amount and duration of the payments. Contact your plan administrator through its website or your statement to find out what it would take to access the money. Supplemental Salary: Only the statutory judicial salary may be included in the State's DC plan. Your survivor should contact us upon your death even if they are not eligible for a monthly survivor pension benefit. %PDF-1.6 % You might want to take a look at the section of this website called Service Credit - Earning and Purchasing. PO Box 30171 CN1926917_1223 The web Browser you are currently using is unsupported, and some features of this site may not work as intended. By completing and submitting this form, the county acknowledges its designation as a participating "employer" in the State DC plan. CDL A Flatbed Truck Driver - Home Every WeekendJob Description$69,701 to $87,138 annual pay HomeSee this and similar jobs on LinkedIn. You're a member of the Defined Benefit (DB) plan if you were hired before March 31, 1997, and you: State Employees' Retirement System Defined Benefit plan website. Your untaxed contributions and interest as a transfer to your qualified retirement plan administrator, and previously taxed contributions sent to you. Should there be discrepancies between the information reflected here and the actual law, the provisions of the law govern. endstream endobj 108 0 obj <>stream If this would cause more drama than relief, move to another option. 30 Braintree Hill Office Park Lansing, MI 48909. It's very important that you know, and understand, your vesting status. Contributions: Employee contributions are allowable up to the maximum amount specified under the Internal Revenue Code. PO Box 30171 )i{q(?)}|~4l&/e5i`/Wl| g\LD,*b g?p s;;^x%ysgolP_XUi+yT/24\Gbd>pDdQBcIpl"c9IQ,=v[4UQ*C5 *v75~]/|s=\fU:D9Hs~^T9&p*@((/91+a76DG Please give Voya 24 hours notice prior to the wiring of any funds.

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