Rolls-Royce

Rolls-Royce has announced changes that will impact the Rolls-Royce North America 401(k) Savings Plan and Rolls-Royce Corporation Personal Savings Plan for Hourly-Rate Employees (“the Plans”).

The Pyramis Index Lifecycle Commingled Pool funds are changing share class as of market close on June 1, 2015. The new share class will have a lower expense percentage than the currently offered funds. All existing balances and future contributions will be transferred to the new investment options.

To discuss these changes to the Rolls-Royce 401(k) plans and how this may impact your current portfolio allocation, do not hesitate to contact us toll-free at 1-866-444-6246.

Rolls-Royce has announced changes that will impact the Rolls-Royce North America 401(k) Savings Plan (the "Plan").

Three current investment funds will shift over from Class K shares to Commingled Pool shares. The funds impacted are Diversified International Fund, Growth Company Fund, and Low-Priced Stock Fund. This transfer will take place as of the market close on November 14, 2014.

To discuss these changes to the Rolls-Royce 401(k) plan and how it may impact your investment allocation, do not hesitate to contact Mainstay toll-free at 1-866-444-6246.

Rolls-Royce has announced a change that will impact the Rolls-Royce North America 401(k) Savings Plan (the "Plan").

Fidelity Diversified International Fund previously frozen in the plan will be unfrozen as of June 5, 2014. This will allow participants to direct new future contributions or move money into this investment option.

To discuss this change to the Rolls-Royce 401(k) plan and how it may impact your investment allocation, do not hesitate to contact Mainstay toll-free at 1-866-444-6246.

Rolls-Royce has announced a change that will impact the Rolls-Royce North America 401(k) Savings Plan (the "Plan").

The pending change surrounds the replacement of one existing investment option with a new investment option being added to the plan. This change will take effect on February 28, 2014.

Rolls Royce has announced a Voluntary Enhanced Retirement Program (VERP) that will be offered to employees currently eligible for retirement and to those that are within one year of retirement eligibility. The decision to accept any buyout offer requires careful analysis and planning.

For those evaluating a buyout offer, there are important factors to consider:

• Am I financially ready to leave Rolls Royce?
• Which distribution period should I choose for my lump sum payment?
• Have I developed a comprehensive Retirement Income Plan?
• How would the VERP impact my current retirement plan?
• Are my investments allocated appropriately for this life event?
• What should I do with the assets in my Personal Savings Plan (PSP)?

Mainstay Capital Management is a fee-only, independent investment advisor that has counseled thousands of automotive employees on buyout offers. Mainstay currently provides portfolio management and retirement planning services to more than 2000 active and retired autoworkers. We can provide a comprehensive Retirement Income Analysis, help evaluate "what-if" scenarios, and assist in making well-informed decisions concerning the VERP or any buyout offer.

Call Mainstay Capital Management toll-free 1-866-444-6246 to discuss your personal situation with a Retirement Planning Specialist.

Rolls-Royce has announced upcoming changes to the investment options in the Rolls-Royce Corporation Personal Savings Plan for Hourly-Rate Employees and the Rolls-Royce North America 401(k) Savings Plan. The new investment options will provide similar investment strategies and risks, but the overall expenses for the investment options will be lower. These changes will be effective as of the close of business on May 9, 2011. Mainstay Capital Management’s CEO, David Kudla, has spoken and is published on the subject of reducing fees (internal expense ratios) for investment options within 401(k) plans. For further insight read his article penned for Forbes, "Why Investment Choices In Your 401(k) Might Change".