Retiring? Changing jobs?

Whether you’re retiring or moving into a different job, one of the most important decisions you face as you leave Columbia University is what to do with the savings you’ve accumulated.

You may want to explore your options at vanguard.com.

At vanguard.com, you can:

• Roll over retirement assets.
• Get investment advice tailored to your needs.
• And more.

If you prefer, you can speak to a Vanguard Participant Services associate at 800‑523‑1188 Monday through Friday from 8:30 a.m. to 9:00 p.m.

Among your options when you retire or change jobs is to buy an income annuity with a portion of your savings through Vanguard Annuity Access®. Learn how you can get a reliable income stream for life.*

Is a lifetime annuity right for you?

To find out, visit Hueler Investment Services, Inc., or call 866‑996‑0087.

Vanguard Annuity Access is offered in collaboration with Hueler Investment Services, Inc., through the Income Solutions platform. Income Solutions is a registered trademark of Hueler Investment Services, Inc., and used under license. United States Patent No. 7,653,560. Vanguard Annuity Access is provided by Vanguard Marketing Corporation, d/b/a VMC Insurance Services in California.

*Based on the claims-paying ability of the underlying insurance companies that issue the annuity.

Whenever you invest, there's a chance you could lose the money.