AGEP50 Money Matters Plan Member Online 2009Contribution Limits 10072009

User Manual: AGEP50

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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
PLUS: 403(b) Service-Based Catch
Up for 15+ years with Employer
$5,500*
$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*
©
2009 PlanMember Financial Corporation
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
MMContributionLimits.0809
Retirement Plan
Contribution Limits for 2009
Your Money Matters
An Informational
Newsletter from
PlanMember Securities
Corporation
Before investing carefully read the
prospectus(es) which contain infor-
mation about investment objectives,
risks, charges, expenses and other
information all of which should be
carefully considered before invest-
ing. For current prospectus(es) call
(800) 874-6910. Investing involves
risk. The investment return and prin-
cipal 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.
®
PlanMember
SERVICES
Planning your future…today.
®
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.
— 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.
— 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.
* Limit increased from 2008 limit

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