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403(b) Savings Calculator

403(b) plans are only available for employees of certain non-profit tax-exempt organizations: 501c(3) Corps, including colleges, universities, schools, hospitals, etc. If you are an employee of one of these organizations, a 403(b) can be one of your best tools for creating a secure retirement. It provides you with two important advantages. First, all contributions and earnings to your 403(b) are tax-deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, many employers provide additional contributions to your 403(b). The combined result is a retirement savings plan you cannot afford to pass up.

Please note that the information contained herein is general in nature, has been obtained from various sources believed to be reliable and is subject to changes in the Internal Revenue Code, as well as other areas of law. It is intended to offer factual and up-to-date information. However, information is subject to change without notice. We make no representation or warranty of any kind, express or implied, including but not limited to, warranties of accuracy, completeness or fitness for a particular purpose, with regard to the data herein, and will not be liable for any damages, losses or costs incurred as a result of reliance hereon.

This calculation was tailored for the intended recipient only. It contains forward-looking statements based on hypothetical returns and information provided by the intended recipient. There can be no guarantees that the views and opinions expressed will come to pass. Please review the information for accuracy and notify your Oppenheimer Financial Advisor promptly if any discrepancies are present; discrepancies may materially alter the calculation.

This 403(b) Savings Calculator is designed to educate and inform and is for illustrative purposes only. It is not intended to provide investment, legal, accounting or tax advice. It is not a substitute for, or provided in the context of, developing a comprehensive financial plan and it should not be relied upon as your sole or primary means for making planning or investment decisions. Nothing produced by the 403(b) Savings Calculator should be construed as a recommendation of or solicitation for any particular product , security or service. You should contact your attorney or tax adviser regarding your specific legal or tax situation prior to taking any action based on the information provided.

This 403(b) Savings Calculator is part of the brokerage services that Oppenheimer & Co Inc provides to its brokerage customers and does not constitute advisory or financial planning services. If you select one or more of the advisory services offered by Oppenheimer & Co Inc or its affiliate Oppenheimer Asset Management Inc., we will be acting in an advisory capacity. If you ask us to effect securities transactions for you, we will be acting as a broker-dealer. Please see the Oppenheimer & Co Inc website, www.opco.com or call the branch manager of the office that services your account, for further information regarding the differences between brokerage and advisory products and services.

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