What is The R Account? The R Account is a Registered Investment Advisory account, supercharged with the earning potential of our Money Masters - our pick of the top performing mutual fund managers in the nation. In the R Account you can invest tax-deferred retirement assets (such as a 401(k)s or IRAs) and general investment assets (such as stocks and bonds and Mutual Funds). You can supply all the details that are required to open your R Account - online. An Account Activation package will then be sent to you, providing all the necessary documents (completely filled out) for you to review and sign. On your personal R Account website at www.moneymasters.com you will be able to see regular Money Masters performance figures. A Daily Report page will provide you with transaction and position updates, and Fidelity (our 3rd party custodian) will mail you a monthly account statement. At the end of every three months you will receive, on-line, an in-depth quarterly report tracking the progress of your personal Money Masters Investment Portfolio. Back To Top Can I have more than one R Account? Your R Account establishes you as a client of a Registered Investment Advisor - the Retirement Corporation of America. Within your R Account you can have different Money Masters Investment Portfolios - investing tax-deferred retirement assets (such as a 401(k)s or IRAs) in one and general investment assets (such as stocks and bonds and Mutual Funds) in another. Back To Top Where exactly is my money? Your money is held by our 3rd party custodian - Fidelity Investments - one of the world's largest custodial services providers. Back To Top How long will it take to fund my R Account? Once you have returned your signed Account Activation documents, the transfer of funds to your account at Fidelity usually takes between 15 and 30 days. This period will vary according on the location and types of securities being processed. We will keep you informed by email during the transfer so you can track the process. Back To Top Will I have access to my account? Yes. You have complete access to your account at any time. From your personal website you can also review your Money Masters Investment Portfolio/s, track all buying/selling activity, add more funds, and alter your personal details. Back To Top How hard would it be for me to close my account? Not hard at all. A few clicks of your mouse should begin it. (On your personal R Account Client site, go to My Account > Close Account — then download '.PDF' files to print, sign and post). These inform the Retirement Corporation of America that you want to cancel the Investment Advisory Agreement you signed when you initially opened your R Account and instruct Fidelity how to handle your assets. We will do it all for you. Your assets remain in the account you opened with Fidelity - completely under your control. There is no penalty for closing your R Account. Back To Top Why would I open an R Account when I could go buy the funds myself? In The R Account your assets are fully managed by a Registered Investment Advisor who has access to certain mutual funds and share classes on the Fidelity Investment Advisor Group platform that may not be available directly to individuals. The advisory service includes the preparation of a portfolio of high-performing investments that meets the goals, risk-tolerance and return levels that are ideal for your life and future income needs. It further includes the on-going surveillance and optimization of your portfolio’s performance; a regular reporting schedule - and can include the delivery of a monthly income stream to replace your paycheck when you retire. You may find that the advice and guidance you get from a qualified investment professional provides you with a result that more closely matches your present and future needs. Back To Top What is your rating on Morningstar? The R Account is a range of investment portfolios comprising a collection of our selected Money Masters. Morningstar does not provide star ratings for a portfolio. However, each of our Money Masters has been given a Morningstar rating for the specific mutual fund they manage. You can click on a link to read a Morningstar report for each selected fund in your Money Masters Investment Portfolio/s. Our structure is:- an independent Registered Investment Advisory firm, (the Retirement Corporation of America) managing Money Masters Investment Portfolios using fifteen different mutual fund managers (Money Masters) within your R Account. Back To Top What if I lose money? You could gain or lose money through a rise or fall in the liquidating value of your Money Masters Investment Portfolio. There is no guarantee - in fact you should be prepared for the value to rise and fall over both short and long periods of time. Each investment portfolio contains a specific level of risk. As your investment advisor it is our objective to invest your assets within the risk tolerance range you choose. There is no risk-free option within the range of portfolio selections. Back To Top What protects my account assets against theft or fraud? Your account at Fidelity (our third party custodian) is protected by SIPC insurance. The Securities Investor Protection Corporation (SIPC) offers a $500,000 general fraud insurance coverage on each account. No investor is protected against losses caused by a decline in the value of their specific investments. You can learn more about the details of what is covered by this SIPC insurance at www.sipc.org In addition, Fidelity supplements that SIPC coverage with unlimited protection for cash and securities in their care in brokerage positions (including mutual funds held in your brokerage account and securities in book entry form). IMPORTANT: There is no insurance that protects against a decline in the value of your investments. Past performance is no guarantee of future results and there can be no assurance that your specific goals and objectives will be achieved. Back To Top Who do I contact with investment-specific questions? Direct your questions through 1-800-266-9595 or help@moneymasters.com Back To Top Are you licensed? The Retirement Corporation of America is a Registered Investment Advisory firm regulated by the SEC. See Form ADV. All the investment decisions made on your behalf are managed by a qualified investment advisor and Certified Financial Planner. Back To Top Am I working with Retirement Corporation of America or Fidelity? These two identities are all independent of each other. The Retirement Corporation of America has designed the operation of the R Account including the website and all its workings, and is responsible for all the ongoing investment decisions as your Registered Investment Advisory Firm. Fidelity is the third party custodian, chosen by The Retirement Corporation of America, to be responsible for holding all assets, executing trades as directed, and providing you with ongoing reports. The Retirement Corporation of America directs Fidelity to purchase shares of the selected Money Masters mutual funds as defined in your portfolio. Back To Top Why shouldn't I deal with Fidelity directly? Fidelity is a 3rd party custodian and an asset transfer agent. They carry out instructions we send them as your Registered Investment Advisor. We manage and monitor your portfolio/s, report the progress of your investments, report the performance of our Money Masters, adjust the asset allocation and risk mix of your portfolio, and where necessary replace Money Masters when performance could be better achieved by other fund managers. All of these services are part of our role as your investment advisor. Back To Top Who is the Retirement Corporation of America? The Retirement Corporation of America is a Registered Investment Advisory firm regulated by the SEC. The company traces its roots back to 1984 when their original advisory firm was founded by Dan Kiley and his father, Tom Kiley. Back To Top