For 2008, some of the plan contribution limits have increased from their 2007 levels while other limits have remained unchanged. Limits for 2008 include:

• The maximum employee elective contribution to 403(b), 401(k) and 457(b) plans remains at $15,500.
• The 403(b) plan age-based catch-up contribution for individuals age 50 and older remains at $5,000.
• The maximum combined employee and employer contribution to 403(b) and 457(b) plans has increased to $46,000.
• The maximum contribution to traditional and Roth IRAs has increased to $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 article 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.
Before investing in any mutual fund 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.
Representative registered with and securities offered through PlanMember Securities Corporation, a registered broker/dealer, investment advisor, and member FINRA/SIPC. PlanMember Securities Corporation 6187 Carpinteria Ave • Carpinteria, CA93013 • 800.874.6910

641.5635 L

613.2 Z

613.2 P

613.2 P