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These Terms of Use ("Terms of Use") are made between the undersigned user ("you") and Lord, Abbett & Co. ("we" or "us"). They become effective on the date that you electronically execute these Terms of Use ("Effective Date").

A. You are a successful financial consultant that markets securities, including the Lord Abbett Family of Funds;

B. We have developed the Lord Abbett Intelligence System (the "Intelligence System"), a state of the art information resource that we make available to a limited community of broker/dealers through the Internet at a secure Web site (the "LAIS Site"); and

C. We wish to provide access to the Intelligence System to you as an information tool responsive to the demands of your successful business pursuant to these Terms of Use. Accordingly, you and we, intending to be legally bound, hereby agree as follows:]

1. Overview. · Scope. These Terms of Use (which we may amend from time to time) govern your use of the Intelligence System. · Revisions; Changes. We may amend these Terms of Use at any time by posting amended Terms of Use ("Amended Terms of Use") on the LAIS Site. Any Amended Terms of Use will become effective immediately upon posting. Your use of the Intelligence System after any Amended Terms of Use become effective will be deemed to constitute your acceptance of those Amended Terms of Use.We may modify or discontinue the Intelligence System at any time, temporarily or permanently, with or without notice to you. Purpose of the Intelligence System. The Intelligence System is intended to be an information resource that you may use to contribute to your business research. The Intelligence System is for broker/dealer use only; it is not to be used with the public in oral, written or electronic form. The information on the Intelligence System and LAIS Site is for your information only and is neither the tax, legal or investment advice of Lord Abbett or its third-party sources nor their recommendation to purchase or sell any security.

2. Your Privileges. · Personal Use. Your use of the Intelligence System is a nontransferable privilege granted by us to you and that we may deny, suspend or revoke at any time, with or without cause or notice. · Access to and Use of the Intelligence System. The User ID and password (together, an "Access ID") issued by us to you (as subsequently changed by you from time to time) is for your exclusive access to and use of the Intelligence System. You will: (a) be responsible for the security and use of your Access ID, (b) not disclose your Access ID to anyone and (c) not permit anyone to use your Access ID. Any access or use of the Intelligence System through the use of your Access ID will be deemed to be your actions, for which you will be responsible. · Required Technology. You must provide, at your own cost and expense, the equipment and services necessary to access and use the Intelligence System. At any time, we may change the supporting technology and services necessary to use the Intelligence System. · Availability. We make no guarantee that you will be able to access the Intelligence System at any given time or that your access will be uninterrupted, error-free or free from unauthorized security breaches.

3. Rights in Data. Our use of information collected from you will be in accordance with our Privacy Policy posted on the LAIS Site. Our compliance with our Privacy Policy will survive any termination of these Terms of Use or of your use of the Intelligence System.

4. Your Conduct in the Use of the Intelligence System. You may access, search, view and store a personal copy of the information contained on the LAIS Site for your use as a broker/dealer. Any other use by you of the Intelligence System and the information contained on the LAIS Site these Terms of Use is strictly prohibited. Without limiting the preceding sentence, you will not: · Engage in or permit any reproduction, copying, translation, modification, adaptation, creation of derivative works from, distribution, transmission, transfer, republication, compilation or decompilation, reverse engineering, display, removal or deletion of the Intelligence System, any portion thereof, or any data, content or information provided by us or any of our third-party sources in any form, media or technology now existing or hereafter developed, that is not specifically authorized under these Terms of Use.

· Remove, obscure or alter any notice, disclaimer or other disclosure affixed to or contained within the Intelligence System, including any copyright notice, trademark and other proprietary rights notices and any legal notices regarding the data, content or information provided through the Intelligence System.

· Create a hyperlink to, frame or use framing techniques to enclose any information found anywhere on the LAIS Site without our express prior written consent.

· Impersonate any person, or falsely state or otherwise misrepresent his or her affiliation with any person in connection with any use of the Intelligence System.

· Breach or attempt to breach the security of the Intelligence System or any network, servers, data, or computers or other hardware relating to or used in connection with the Intelligence System; nor (b) use or distribute through the Intelligence System software or other tools or devices designed to interfere with or compromise the privacy, security or use of the Intelligence System by others or the operations or assets of any person.

· Violate any applicable law, including, without limitation, any state federal securities laws. 5. Your Representations and Warranties. You hereby represent and warrant to us, for our benefit, as of the time of these Terms of Use and for so long as you continue to use the Intelligence System, that (a) you are, and will continue to be, in compliance with these Terms of Use and any applicable laws and (b) you are authorized to provide to us the information we collect, as described in our Privacy Policy.

6. Disclaimer of Warranties.

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THE INTELLIGENCE SYSTEM, THE LAIS SITE AND ALL DATA, INFORMATION AND CONTENT ON THE LAIS SITE ARE PROVIDED "AS IS" AND “AS AVAILABLE” AND WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND. WITHOUT LIMITING THE PRECEDING SENTENCE, LORD ABBETT, ITS AFFILIATES, AGENTS, THIRD-PARTY SUPPLIERS AND LICENSORS, AND THEIR RESPECTIVE EMPLOYEES, CONTRACTORS, DIRECTORS, OFFICERS AND SHAREHOLDERS (COLLECTIVELY, THE “LORD ABBETT GROUP”) EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. YOU EXPRESSLY AGREE THAT YOUR USE OF THE LAIS SITE, THE INTELLIGENCE SYSTEM, AND THE DATA, INFORMATION AND CONTENT PRESENTED THERE ARE AT YOUR SOLE RISK AND THAT THE LORD ABBETT GROUP WILL NOT BE RESPONSIBLE FOR ANY (A) ERRORS OR INACCURACIES IN THE DATA, CONTENT AND INFORMATION ON THE LAIS SITE AND THE INTELLIGENCE SYSTEM OR (B) ANY TERMINATION, SUSPENSION, INTERRUPTION OF SERVICES, OR DELAYS IN THE OPERATION OF THE LAIS SITE OR THE INTELLIGENCE SYSTEM.

· Disclaimer Regarding Investment Research.

THE INTELLIGENCE SYSTEM INCORPORATES DATA, CONTENT AND INFORMATION FROM VARIOUS SOURCES THAT WE BELIEVE TO BE ACCURATE AND RELIABLE. HOWEVER, THE LORD ABBETT GROUP MAKES NO CLAIMS, REPRESENTATIONS OR WARRANTIES AS TO THE ACCURACY, TIMELINESS, COMPLETENESS OR TRUTHFULNESS OF SUCH DATA, CONTENT AND INFORMATION. YOU EXPRESSLY AGREE THAT YOU ARE RESPONSIBLE FOR INDEPENDENTLY VERIFYING YOUR INVESTMENT RESEARCH PRIOR TO FORMING YOUR INVESTMENT DECISIONS OR RENDERING INVESTMENT ADVICE. THE LORD ABBETT GROUP WILL NOT BE LIABLE FOR ANY INVESTMENT DECISION MADE BY YOU OR ANY OTHER PERSON BASED UPON THE DATA, CONTENT AND INFORMATION PROVIDED THROUGH THE INTELLIGENCE SYSTEM OR ON THE LAIS SITE.

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THIS SECTION 6 SHALL SURVIVE ANY TERMINATION OF THESE TERMS OF USE OR YOUR USE OF THE INTELLIGENCE SYSTEM..

7. Limitations on Liability.

NONE OF THE MEMBERS OF THE LORD ABBETT GROUP WILL BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, SPECIAL OR EXEMPLARY DAMAGES (INCLUDING LOSS OF PROFITS, LOSS OF USE, TRANSACTION LOSSES, OPPORTUNITY COSTS, LOSS OF DATA, OR INTERRUPTION OF BUSINESS) RESULTING FROM, ARISING OUT OF OR IN ANY WAY RELATING TO THE INTELLIGENCE SYSTEM, THE LAIS SITE OR YOUR USE THEREOF, EVEN IF THE LORD ABBETT GROUP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS SECTION 7 WILL SURVIVE ANY TERMINATION OF THESE TERMS OF USE OR YOUR USE OF THE INTELLIGENCE SYSTEM.

8. Miscellaneous Provisions.

· Governing Law. This Agreement will governed by and construed in accordance with the laws of the State of New York, without giving effect to applicable conflicts of law principles.

THE UNIFORM COMPUTER INFORMATION TRANSACTIONS ACT OR ANY VERSION THEREOF, ADOPTED BY ANY STATE, IN ANY FORM ("UCITA") WILL NOT APPLY TO THESE TERMS OF USE. TO THE EXTENT THAT UCITA IS APPLICABLE, THE PARTIES HEREBY AGREE TO OPT OUT OF THE APPLICABILITY OF UCITA PURSUANT TO THE OPT-OUT PROVISION(S) CONTAINED THEREIN.

The Intelligence System is not intended to be used by consumers, nor are the consumer protection laws of any jurisdiction intended to apply to the Intelligence System. You agree to initiate and maintain any action, suit or proceeding relating to these Terms of Use or arising out of the use of the Intelligence System exclusively in the courts, state and federal, located in or having jurisdiction over New York County, New York.

YOU HEREBY CONSENT TO THE PERSONAL JURISDICTION AND VENUE OF THE COURTS, STATE AND FEDERAL, LOCATED IN OR HAVING JURISDICTION OVER NEW YORK COUNTY, NEW YORK. YOU AGREE THAT YOU WILL NOT OBJECT TO A PROCEEDING BROUGHT IN YOUR LOCAL JURISDICTION TO ENFORCE AN ORDER OR JUDGMENT OBTAINED IN NEW YORK.

· Relationship of Parties. The parties to these Terms of Use are independent contractors and nothing in these Terms of Use will be construed as creating an employment relationship, joint venture, partnership, agency or fiduciary relationship between the parties.

· Notice. All notices provided under these Terms of Use will be in writing and will be deemed effective: (a) when delivered personally, (b) when received by electronic delivery, (c) one business day after deposit with a commercial overnight carrier specifying next day delivery, with written verification of receipt, or (d) three business days after having been sent by registered or certified mail, return receipt requested. We will only accept notices from you in English and by conventional mail addressed to: General Counsel Lord, Abbett & Co. 90 Hudson Street Jersey City, N.J. 07302-3973 We may give you notice by conventional mail or electronic mail addressed to the last mail or electronic mail address transmitted by you to us.

· Third-Party Beneficiaries. The members of the Lord Abbett Group are third-party beneficiaries of the rights and benefits provided to us under these Terms of Use. You understand and agree that any right or benefit available to us or any member of the Lord Abbett Group hereunder will also be deemed to accrue to the benefit of, and may be exercised directly by, any member of the Lord Abbett Group to the extent applicable.

· Survival. This Section 8 will survive any termination of these Terms of Use or your use of the Intelligence System. The undersigned hereby signs these Terms of Use. By electronically signing and clicking "Accept" below, these Terms of Use will be legally binding on me. To sign these Terms of Use, confirm your full name and enter your User ID and Password (as your electronic signature) in the fields indicated below and click the “I Accept” button.

 

Retirement Products

Roth IRA

Roth IRA’s allow individuals of any age who income-qualifies to save for retirement.  Contributions are made with after-tax dollars and offer the potential of tax-free withdrawals; also there are no lifetime minimum distributions. 

This material is intended as general information only and is not intended as legal or tax advice. Some of this information may be quite complex and we strongly suggest you consult with your advisor or tax professional based on your individual situation.

What is a Roth IRA?

A Roth IRA is a potentially tax-free retirement account available to individuals who have earned income and income qualifies. Roth IRA contributions are made with aftertax dollars, but distributions, including earnings, are withdrawn tax-free if certain conditions have been satisfied.

How does a Roth IRA work?

Roth IRA contributions, unlike a traditional IRA, which can offer a tax deduction, are always funded with after-tax dollars.  The account grows-tax deferred, and withdrawals, including accumulated earnings, may be tax-free.  Also, Roth IRAs are not subject to lifetime required minimum distributions.

In 2015, an individual may contribute up to $5,500 to a Roth IRA, plus a catch-up contribution of $1,000 for those individuals age 50 and older.  Contributions may be made at any time throughout the year and as late as the individual’s tax-filing deadline (generally April 15) for the prior year.

Who should consider a Roth IRA?

  • An individual who wants to accumulate retirement funds
  • An individual who believes future tax rates will be higher than today’s
  • An individual who wants to leave his/her beneficiaries a potentially tax-free account. View our blog.

What benefits does a Roth IRA offer?

  • Withdrawals, including earnings, are potentially tax-free.
  • Income diversification (taxable versus tax-free)
  • Beneficiary payouts can be structured in such a way (“Stretch IRA”) to allow for tax-free payouts over many years
  • There is no lifetime required minimum distributions 

 

1 Adjusted Gross Income includes wages, interest, capital gains, income from retirement accounts and alimony paid to the taxpayer adjusted downward by specific deductions (including contributions to deductible retirement accounts and alimony paid by the taxpayer); but not including standard and itemized deductions.
2 An item or expense, such as an IRA contribution, which, when subtracted from adjusted gross income, reduces the amount of income subject to tax.

 

This material is intended as general information only and is not intended as legal or tax advice. Some of this information may be quite complex and we strongly suggest you consult with your advisor or tax professional based on your individual situation.

 

Who is eligible to make Roth IRA contributions?

An individual can establish a Roth IRA if the following rules are met:

  • Earned income and
  • Income-qualify

In a “spousal IRA,” a working spouse can establish and contribute to a nonworking spouses IRA. To qualify, the couple also must file a joint tax return. Spousal IRAs can be traditional or Roth IRAs. 

Tip: Unlike a traditional IRA, contributions to a Roth IRA can be made at any age. Roth IRAs are an effective way for children to save on a tax-advantaged basis.

How does an income test affect Roth IRA eligibility?

An individual's modified adjusted gross income1 (MAGI) must be below certain thresholds to be eligible to make Roth IRA contributions.  Level of income is determined by marital and tax-filing status.

Tip: All individuals are eligible to conversions assets to a Roth IRA, as an income test does not apply.

Single:

In 2014, single individuals can make a full Roth IRA contribution when his/her income is $114,000 or less ($116,000 or less in 2015).  A partial contribution is allowed if income is greater than $114,000 but not more than $129,000 ($116,000-$131,000 in 2015). 

Married (filing jointly):

In 2014 couples filing jointly can make a full Roth IRA contribution if his/her modified adjusted gross income (MAGI) is $181,000 or less ($183,000 in 2015).  A partial contribution is allowed if income is greater than $181,000, but not more than $191,000 ($183,000-$193,000 in 2015).

Married (filing separately):

In 2014 and 2015, couples that file separately are ineligible to make a Roth IRA contribution if their MAGI is $10,000 or more.

Status

And modified adjusted gross income (MAGI)3 is...

Then...

Married filing jointly or qualifying widowers

Less than $181,000 in 2014 ($183,000 in 2015)

Contribution may equal: $5,500 and if age 50 or older $6,500

At least $181,000, but less than $191,000 in 2014 ($183,000 and $193,000 in 2015)

The contribution amount is proportionately reduced

$191,000 or more in 2014 ($193,000 in 2015)

Ineligible

Single, head of household, or married filing separately and spouses did not live with each other at any time during the year

Less than $114,000 in 2014 ($116,000 in 2015)

Contribution may equal: $5,500 and if age 50 or older $6,500

At least $114,000 but less than $129,000 in 2014 ($116,000 to $131,000 in 2015)

Contribution amount is proportionately reduced

$129,000 or more in 2014 ($131,000 in 2015)

Ineligible


Can an individual convert his/her existing traditional IRA(s) to a Roth IRA?

Yes. Since 2010, all individuals regardless of age and or income, including those with SEP and SIMPLE IRAs (two-year hold period must be satisfied), are eligible to convert all or a portion of their assets to a Roth IRA. Since many taxpayers have household income greater than federally imposed income thresholds, their only way to fund a Roth IRA is via a conversion. Moving pre-tax IRA assets to a Roth IRA via a conversion is a taxable event, subject to taxation in the year the conversion takes place. If the account is held for five years and until age 59 ½ all funds, including earnings are distributed tax-free.

Roth conversions offer an indiidual an opportunity to reverse the transaction via a technique called “recharacterization.” This so-called “do-over” allows an individual to unwind the conversion and potentially erase any tax liability.

Tip: Conversions to a Roth IRA from a former employer’s workplace retirement plan are also permitted. 

Who should consider a Roth IRA Conversion

  • An individual who wants tax-free income
  • An individual who believes future tax rates will be higher than today’s
  • An individual who wants tax diversification
  • An individual who does not want or need to take required minimum distributions
  • An individual who wants to leave his/her beneficiaries  a potentially tax-free account 

 

1Adjusted gross income includes wages, interest, capital gains, income from retirement accounts and alimony paid to the taxpayer adjusted downward by specific deductions (including contributions to deductible retirement accounts and alimony paid by the taxpayer); but not including standard and itemized deductions.

 


This material is intended as general information only and is not intended as legal or tax advice. Some of this information may be quite complex and we strongly suggest you consult with your advisor or tax professional based on your individual situation.

How much can an individual contribute to a Roth IRA?

In 2015, an individual may contribute up to $5,500 in a Roth IRA, plus a catch-up contribution of $1,000 for those individuals age 50 and older.

Year

Contribution Limit

Age 50 Catch-up Contribution

2014

$5,500

$1,000

2015

$5,500

$1,000


Can an individual contribute to both a traditional and Roth IRA?

Yes, assuming the individual meets Roth IRA eligibility requirements. However, an individual does have one combined contribution limit of $5,500 ($6,500 if age 50 or older)

When can an individual contribute to a Roth IRA?

An individual can make Roth IRA contributions anytime throughout the year. In addition, contributions for the prior year can be made as late as the individual’s tax-filing due date; (generally April 15) not including extensions. For example, an individual is eligible to make a 2014 IRA contribution as late as April 15, 2015.

Why would an individual fund a Roth IRA if the contribution is not tax deductible?

The earnings in a Roth IRA grow tax-deferred until withdrawn. If the individual has held the account for five years and reaches the age of 59½, all funds are withdrawn tax-free. Unlike traditional IRAs, minimum distributions are not required at age 70½ from a Roth IRA.

What if the Roth IRA contribution limit is exceeded?

An individual needs to remove the excess funds by his/her tax-filing deadline (April 15), plus extension, or face a 6% excise tax on the excess.

 


This material is intended as general information only and is not intended as legal or tax advice. Some of this information may be quite complex and we strongly suggest you consult with your advisor or tax professional based on your individual situation.

What types of distributions can be taken from a Roth IRA?

Roth IRA distributions follow “ordering” rules. Moreover, all Roth IRAs owned by an individual are considered one single Roth IRA. A Roth IRA account owner can always withdraw his/her contributions (basis) without tax or penalty at any time or age. The power of a Roth IRA is that an individual's earnings can be distributed tax-free so long as certain criteria are satisfied, referred to as qualified distribution.

There are a number of different kinds of distributions that can be taken from a Roth IRA. We briefly each distribution type below.

What is a qualified distribution?

A qualified distribution from a Roth IRA, including earnings, is federally tax-free if the account owner: 

1.       held the Roth IRA for five years, and

2.       attained age 59½ or is disabled

What is a non-qualified distribution?

Because earnings on Roth IRA are pre-tax, while contributions are funded with after-tax dollars, a Roth IRA account owner receiving a non-qualified distribution is subject to tax on the earnings portion only. In addition, the 10% early withdrawal penalty applies if the account owner has not reached age 59½ and a statutory exception does not apply.

Are Roth IRAs subject to lifetime required minimum distributions (RMDs)?

No. A Roth IRA account owner upon reaching age 70½ is not required to take a minimum distribution. 

Tip! RMDs must be taken by a non-spouse beneficiary that inherits a Roth IRA by December 31 following the year of the original account owner’s death.

What is the 60-day withdrawal and rollover rule?

Once in a 12-month period (not calendar year), an IRA account owner may withdraw any amount, for any reason, from any of his/her IRAs and repay the IRA within 60 days without being subject to taxation or an early withdrawal penalty. If not repaid within the allotted 60-day time frame the account owner will be subject to potential taxation and penalties.

Recent IRS guidance made it clear that one IRA rollover per year now applies on a per-taxpayer basis - not per IRA. An individual can elect a single 60-day withdrawal and rollover in a 365-period regardless of the number of IRAs they own.

What death benefits are available from a Roth IRA?

When a Roth IRA account owner dies, an inherited or beneficial IRA is created.  However, inherited Roth IRA treatment differs depending on who inherits the account.  Traditional IRAs inherited by a surviving spouse differ from a non-spouse beneficiary.

Spousal beneficiary:

Spousal beneficiary has the following options available upon inheriting a Roth IRA:

  • Can treat the account as his/her own.
  • Can roll the IRA into his/her own Roth IRA.
  • Can withdraw funds as needed without penalty.  Any earnings distributed are tax-free if the account has been established for at least five years; otherwise, earnings are subject to taxation.

Non-Spouse Beneficiary: 

Inheriting a Roth IRA from someone other than a spouse provides more limited options. 

A non-spouse beneficiary has the following options available upon inheriting a Roth IRA:

  • Can liquidate the entire account.  The five-year holding period must be satisfied or the earnings portion of the distribution will be subject to taxation.
  • Can make withdrawals equaling the entire account value by the end of the fifth calendar following the account owners death.
  •  “Stretch” the withdrawals over the beneficiaries life expectancy

Tip! A non-spouse beneficiary is not permitted to rollover an inherited Traditional IRA.

What is a Stretch IRA?

A Stretch IRA is a distribution strategy available to an IRA beneficiary. The beneficiary “stretches” withdrawals over the beneficiary’s life expectancy.

We also offer a calculator to assist in providing you minimum payout amounts

 

1 Adjusted gross income includes wages, interest, capital gains, income from retirement accounts and alimony paid to the taxpayer adjusted downward by specific deductions (including contributions to deductible retirement accounts and alimony paid by the taxpayer); but not including standard and itemized deductions.

 

IRA-Rollover-Video-Banner_RightRail

OPEN AN IRA

  1. Complete the writable IRA Application

  2. Print and send to Lord Abbett by mail, fax, email or use our Free FedEx shipping option

  3. You’ll receive a confirmation once your IRA is established

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