AGEP50 Money Matters Plan Member Online 2009Contribution Limits 10072009

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Your Money Matters

An Informational
Newsletter from
PlanMember Securities
Corporation

Retirement Plan

Contribution Limits for 2009
Are you maximizing your retirement
plan contributions? Plan contribution
limits have increased significantly in recent
years, making it possible to save more than
ever through your 403(b), 401(k), 457(b)
or IRA retirement account. In addition,
special “catch-up” contributions allow
individuals age 50 or over to contribute
even more.
For 2009, some of the plan contribution
limits have increased from their 2008
levels while other limits have remained
unchanged. Limits for 2009 include:
— The maximum employee elective
contribution to 403(b), 401(k)
and 457(b) plans has increased to
$16,500.

2009 Retirement Plan Contribution Limits
Plan

2009 Limit

403(b), 401(k), 457(b) SAR-SEP Plans
Elective Deferral Limit

$16,500*

PLUS: Age 50 & Over Catch Up

$5,500*

PLUS: 403(b) Service-Based Catch
Up for 15+ years with Employer

$3,000

Roth/Traditional IRA
Plus: Age 50 & Over Catch Up

$5,000
$1,000

SIMPLE Plan Elective Deferral Limit

$11,500*

PLUS: Age 50 & Over Catch Up

$2,500

Defined Contribution Participant
Maximum Contribution

$49,000*

* Limit increased from 2008 limit

— The 403(b) plan age-based catch-up contribution for individuals age 50 and older has increased
to $5,500.
— The maximum combined employee and employer contribution to 403(b) and 457(b) plans has
increased to $49,000.

®

PlanMember
S

E

R

V

I

C

E

S

Planning your future…today.®

Before investing carefully read the
prospectus(es) which contain information about investment objectives,
risks, charges, expenses and other
information all of which should be
carefully considered before investing. For current prospectus(es) call
(800) 874-6910. Investing involves
risk. The investment return and principal value will fluctuate and, when
redeemed, the investment may be
worth more or less than the original
purchase price. Asset Allocation or
the use of an investment advisor does
not ensure a profit nor guarantee
against loss.

— The maximum contribution to traditional and Roth IRAs remains at $5,000.
— The catch-up contribution limit to traditional and ROTH IRAs for individuals age 50 and older
remains at $1,000.
— The 403(b) plan service-based catch-up contribution, available to 403(b) account holders
with at least 15 years of service with their current employer, remains at $3,000 (up to a $15,000
lifetime limit).
This publication is designed to provide general information in regard to the subject matter covered. It is published with the
understanding that neither representatives nor PlanMember are engaged in rendering tax, legal or accounting services to
readers. We strongly recommend that any person using the information provided in this newsletter seek counsel from their
own professionals to determine its applicability to their own personal situation.

Representative registered with and securities and advisory services offered through PlanMember Securities Corporation
A registered broker/dealer, investment advisor and member FINRA/SIPC
6187 Carpinteria Ave, Carpinteria, CA 93013 (800) 874-6910
© 2009 PlanMember Financial Corporation

MMContributionLimits.0809
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