UPS 401(k) Savings Plan

We know that planning for the future can seem complicated. Determining how much to contribute, which 401(k) funds to invest in, and how much retirement income you’ll need, can be challenging. Your 401(k) Plan provides savings and investing support for your long-term retirement goals, along with access to investment advisory services through Voya Retirement Advisors (VRA), powered by Financial Engines.¹

In the next few weeks, you will receive an online Personal Evaluation to help you assess your progress and identify areas where you may be able to improve.

If you want help making adjustments to your strategy, be sure to check out the VRA professional investment advisory services available through the 401(k) Plan.

	•	Online Advice: a “do-it-yourself” resource for UPSers who want to actively manage their own savings and investing decisions that is available at no additional cost.
	•	Professional Management: a “do-it-for-me” fee-based program for UPSers who want to partner with a professional VRA Investment Advisor Representative for ongoing 401(k) account management. A VRA Investment Advisor Representative will work with you to create and implement a personalized plan, then monitor and manage the plan for you. Professional Management fees² are based on a percentage of your account balance and charged monthly.

Log in to your account to test-drive Online Advice. Click on Get Advice to review ways to help improve your outcomes. There is no cost to utilize Online Advice.

Or, call the Information Line at 800-541-6154 to speak with a VRA Investment Advisor Representative between 8 a.m. and 8 p.m. Eastern time, Monday through Friday. Your initial discussion with an advisor is complimentary.

upssavings.voya.com

800-541-6154

Participant Services Representatives are available Monday through Friday from 8 a.m. to 8 p.m. Eastern time, except on days the New York Stock Exchange is closed.

Be on the lookout for your Online Personalized Evaluation coming soon.

Find out more at
financialadvice.com/forUPS

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An Important Message about your eDelivery Preferences.

You have elected to receive 401(k) Plan communications via eDelivery. You may change your preference for how you wish to receive your communications at any time. To review or change your eDelivery preferences log on to the Plan website at upssavings.voya.com and select My Profile > Communication Preferences. You can also, at any time and for no charge, request a communication be mailed to you at your home address by calling the Information Line at 800-541-6154.

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Advisory Services provided by Voya Retirement Advisors, LLC (VRA). For more information, please read the Voya Retirement Advisors Disclosure Statement, Advisory Services Agreement and the 401(k) Plan’s Fact Sheet. These documents may be viewed online by accessing the advisory services link(s) through the Plan website at upssavings.voya.com. You may also request these from a VRA Investment Advisor Representative by calling the Information Line at 800-541-6154. Financial Engines Advisors L.L.C. acts as a sub advisor for Voya Retirement Advisors, LLC. Financial Engines Advisors L.L.C. (FEA) is a federally registered investment advisor and wholly owned subsidiary of Financial Engines, Inc. Neither VRA nor FEA provides tax or legal advice. If you need tax advice, consult your accountant, or if you need legal advice, consult your lawyer. Neither Voya Retirement Advisors nor Financial Engines Advisors can guarantee results, and past performance is no guarantee of future results.

Financial Engines^® is a registered trademark of Financial Engines, Inc. All other marks are the exclusive property of their respective owners.

Annual fees are blended and based on a percentage of your account balance: First $100,000 = 0.45%; Next $150,000 = 0.35%; $250,000 and over = 0.20%.