Voya Financial Retirement Account Statement 2025

--- ## Page 1 Voya Financial PO Box 990070 Hartford, CT 06199-0070 001483 3674879 000 01 001 **TATYANA JONGSMA** 851 BRIGHTWATERS BLVD NE SAINT PETERSBURG FL 33704-3719 --- ### At Your Service - www.voyaretirementplans.com - 1-800-584-6001 - TTY: 711 Automated Voice Response System available 24/7 Representatives are available Monday thru Friday, 8:00 a.m. - 9:00 p.m. ET --- January 01, 2025 - December 31, 2025 | Your Account Balance as of December 31, 2025 | ACCOUNT STATEMENT | |:---:|:---:| | **$1,955.39** | | ### Your Account Summary | Account Balance on 01/01/2025 | $1,946.25 | | Your Contributions | $0.00 | | Withdrawals | -$20.00 | | Investment Earnings | $29.14 | | **Account Balance on 12/31/2025** | **$1,955.39** | **Paperless. It's easy to choose and simple to use.** Sign up and you'll get: - an email notifying you of available documents - instant access to your document on our secure website instead of waiting for a paper copy via U.S. mail --- S-RSTM-0001 Page 1 of 4 PLAN | INVEST | PROTECT VOYA FINANCIAL --- ## Page 2 The user wants me to transcribe ALL visible text on the page as clean markdown. I need to: 1. Use ### for sections 2. Use **bold** for labels 3. Use markdown tables for tabular data 4. Use - bullets for lists 5. Preserve all numbers, dates, and values exactly as shown 6. Output ONLY the transcribed text — no commentary, no analysis, no preamble, no "The document is..." sentences 7. Start directly with the content Let me carefully read the document and transcribe it: Header info: - January 01, 2025 - December 31, 2025 - Voya Financial - PO Box 990070 - Hartford, CT 06199-0070 - TATYANA JONGSMA Main title: ### Your Estimated Monthly Income in Retirement Body text: The Estimated Monthly Income in Retirement below is designed to provide a better understanding of what you might expect in retirement. Based on your current retirement statement account balance and the assumptions noted below, a monthly lifetime retirement income has been estimated as both a single life annuity arrangement and a qualified joint and 100% survivor annuity arrangement. Table data: | Account Balance (including any outstanding loan balance(s)¹ that is not in default) as of 12/31/2025 | $1,955.39 | | Single Life Annuity² monthly payment at age 67 for your life | $12.42 | | Qualified Joint and 100% Survivor Annuity³ monthly payment at age 67 for your life and for the life of your surviving spouse | $10.62 | Body text: The estimated monthly payments in this statement assume that payments begin 12/31/2025 and that you are 67 on this date. Monthly payments beginning at a younger age would be lower than shown since payments would be made over more years. Monthly payments beginning at an older age would be higher than shown since they would be made over fewer years. Footnotes: ¹If you have taken a loan from the plan and are not in default on the loan, the estimated monthly payments in this statement assume that the loan has been fully repaid. ²A single life annuity is an arrangement that pays you a fixed amount of money each month for the rest of your life. Following your death, no further payments would be made to your spouse or heirs. ³A qualified joint and 100% survivor annuity is an arrangement that pays you and your spouse a fixed monthly payment for the rest of your joint lives. In addition, after your death, this type of annuity would continue to provide the same fixed monthly payment to your surviving spouse for their life. An annuity with a lower survivor percentage may be available, and reducing the survivor percentage (below 100%) would increase monthly payments during your lifetime, but would decrease what your surviving spouse would receive after your death. Body text: The estimated monthly payments for a qualified joint and 100% survivor annuity in this statement assume that you are married with a spouse who is the same age as you (even if you do not currently have a spouse, or if you have a spouse who is a different age). If your spouse is younger, monthly payments would be lower than shown since they would be expected to be paid over more years. If your spouse is older, monthly payments would be higher than shown since they would be expected to be paid over fewer years. The estimated monthly payments in this statement are based on an interest rate of 4.13%, which is the 10-year constant maturity U.S. Treasury securities yield rate as of 11/03/2025 as required by federal regulations. This rate fluctuates based on market conditions. The lower the interest rate, the smaller your monthly payment will be, and the higher the interest rate, the larger your monthly payment will be. The estimated monthly payments in this statement are based on how long you and a spouse who is assumed to be your age are expected to live. For this purpose, federal regulations require that your life expectancy be estimated using gender neutral mortality assumptions established by the Internal Revenue Service. The estimated monthly payments in this statement are for illustrative purposes only; they are not a guarantee. The estimated monthly payments in this statement are based on prevailing market conditions and other assumptions required under federal regulations. If you decide to purchase an annuity, the actual payments you receive will depend on a number of factors and may vary substantially from the estimated monthly payments in this statement. For example, your actual age at retirement, your actual account balance (reflecting future investment gains and losses, contributions, distributions, and fees), and the market conditions at the time of purchase will affect your actual payment amounts. The estimated monthly payments in this statement are the same whether you are male or female. This is required for annuities payable from an employer's plan. However, the same amount paid for an annuity available outside of an employer's plan may provide a larger monthly payment for males than for females since females are expected to live longer. Unlike Social Security payments, the estimated monthly payments in this statement do not increase each year with a cost-of-living adjustment. Therefore, as prices increase over time, the fixed monthly payments will buy fewer goods and services. The estimated monthly payment amounts in this statement assume that your account balance is 100% vested. Footer: S-RSTM-0001 Page 2 of 4 VOYA FINANCIAL PLAN | INVEST | PROTECT Right side has a number: 002261 1045775 0000000 01010912 022184 01/14 Wait, let me check the right side numbers carefully. It looks like: 002261 1045775 0000000 01010912 022184 01/14 Actually looking at the image, the numbers on the right side appear to be printed vertically. Let me check: "002261 1045775 0000000 01010912 022184 01/14" And at the bottom: "S-RSTM-0001" on the left, "Page 2 of 4" on the right. Also "PLAN | INVEST | PROTECT" at the very bottom left. Let me format this properly. Structure: - Header with dates and name/address - Main section heading - Introductory paragraph - Table with three rows - Paragraph about assumptions - Footnote 1 - Footnote 2 - Footnote 3 - Several paragraphs of explanatory text - Footer information I need to make sure I capture everything exactly as shown. Let me go through line by line. Top right: January 01, 2025 - December 31, 2025 Top left: Voya Financial, PO Box 990070, Hartford, CT 06199-0070 Top right (below date): TATYANA JONGSMA Title: Your Estimated Monthly Income in Retirement (with thick black bar underneath) Paragraph 1: "The Estimated Monthly Income in Retirement below is designed to provide a better understanding of what you might expect in retirement. Based on your current retirement statement account balance and the assumptions noted below, a monthly lifetime retirement income has been estimated as both a single life annuity arrangement and a qualified joint and 100% survivor annuity arrangement." Then the table: Row 1: Account Balance (including any outstanding loan balance(s)¹ that is not in default) as of 12/31/2025 | $1,955.39 Row 2: Single Life Annuity² monthly payment at age 67 for your life | $12.42 Row 3: Qualified Joint and 100% Survivor Annuity³ monthly payment at age 67 for your life and for the life of your surviving spouse | $10.62 Paragraph 2: "The estimated monthly payments in this statement assume that payments begin 12/31/2025 and that you are 67 on this date. Monthly payments beginning at a younger age would be lower than shown since payments would be made over more years. Monthly payments beginning at an older age would be higher than shown since they would be made over fewer years." Footnotes: ¹If you have taken a loan from the plan and are not in default on the loan, the estimated monthly payments in this statement assume that the loan has been fully repaid. ²A single life annuity is an arrangement that pays you a fixed amount of money each month for the rest of your life. Following your death, no further payments would be made to your spouse or heirs. ³A qualified joint and 100% survivor annuity is an arrangement that pays you and your spouse a fixed monthly payment for the rest of your joint lives. In addition, after your death, this type of annuity would continue to provide the same fixed monthly payment to your surviving spouse for their life. An annuity with a lower survivor percentage may be available, and reducing the survivor percentage (below 100%) would increase monthly payments during your lifetime, but would decrease what your surviving spouse would receive after your death. Paragraph 3: "The estimated monthly payments for a qualified joint and 100% survivor annuity in this statement assume that you are married with a spouse who is the same age as you (even if you do not currently have a spouse, or if you have a spouse who is a different age). If your spouse is younger, monthly payments would be lower than shown since they would be expected to be paid over more years. If your spouse is older, monthly payments would be higher than shown since they would be expected to be paid over fewer years." Paragraph 4: "The estimated monthly payments in this statement are based on an interest rate of 4.13%, which is the 10-year constant maturity U.S. Treasury securities yield rate as of 11/03/2025 as required by federal regulations. This rate fluctuates based on market conditions. The lower the interest rate, the smaller your monthly payment will be, and the higher the interest rate, the larger your monthly payment will be." Paragraph 5: "The estimated monthly payments in this statement are based on how long you and a spouse who is assumed to be your age are expected to live. For this purpose, federal regulations require that your life expectancy be estimated using gender neutral mortality assumptions established by the Internal Revenue Service." Paragraph 6: "The estimated monthly payments in this statement are for illustrative purposes only; they are not a guarantee." Paragraph 7: "The estimated monthly payments in this statement are based on prevailing market conditions and other assumptions required under federal regulations. If you decide to purchase an annuity, the actual payments you receive will depend on a number of factors and may vary substantially from the estimated monthly payments in this statement. For example, your actual age at retirement, your actual account balance (reflecting future investment gains and losses, contributions, distributions, and fees), and the market conditions at the time of purchase will affect your actual payment amounts. The estimated monthly payments in this statement are the same whether you are male or female. This is required for annuities payable from an employer's plan. However, the same amount paid for an annuity available outside of an employer's plan may provide a larger monthly payment for males than for females since females are expected to live longer." Paragraph 8: "Unlike Social Security payments, the estimated monthly payments in this statement do not increase each year with a cost-of-living adjustment. Therefore, as prices increase over time, the fixed monthly payments will buy fewer goods and services." Paragraph 9: "The estimated monthly payment amounts in this statement assume that your account balance is 100% vested." Footer left: S-RSTM-0001 Footer center-right: Page 2 of 4 Bottom left: PLAN | INVEST | PROTECT Bottom right: VOYA FINANCIAL (logo) Right edge (vertical): 002261 1045775 0000000 01010912 022184 01/14 Wait, looking at the image again, the text on the right edge is printed vertically along the right side. In markdown, I should probably just include it as a line or note, but since the user says "transcribe ALL visible text", I should include it. However, formatting vertical text in markdown is tricky. I think the best approach is to just write it as it appears reading top to bottom or bottom to top. Looking at the image, it appears the numbers are stacked vertically. Let me read them: It looks like: 002261 1045775 0000000 01010912 022184 01/14 Actually, looking more carefully at the crop or the full image, the numbers on the right side are: 002261 1045775 0000000 01010912 022184 01/14 These appear to be printed vertically along the right margin. Also, I need to check if there are any other elements. The black bar under the title is just a graphical element, not text. Let me format this in markdown: First, the header information. I can format this as: January 01, 2025 - December 31, 2025 **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **TATYANA JONGSMA** Actually, looking at the layout: - Top left: Voya Financial address - Top right: Date range - Below date range on right: TATYANA JONGSMA So: January 01, 2025 - December 31, 2025 TATYANA JONGSMA Voya Financial PO Box 990070 Hartford, CT 06199-0070 Or I could put it all together. Let me see what looks cleanest. Actually, looking at the document again, the name TATYANA JONGSMA is aligned with the date on the right side. So: **January 01, 2025 - December 31, 2025** **TATYANA JONGSMA** **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 Then the main heading: ### Your Estimated Monthly Income in Retirement Then the introductory text. Then the table. The table has three rows with labels and values. Then the paragraph about payment assumptions. Then the footnotes. These are superscript 1, 2, and 3 in the original. I should format them with the superscript notation or just as numbered items. Since markdown supports superscript with ^{tags, but the user wants clean markdown. I can use the ¹, ², ³ characters which are available in Unicode. So for the table: | Account Balance (including any outstanding loan balance(s)¹ that is not in default) as of 12/31/2025 | $1,955.39 | | Single Life Annuity² monthly payment at age 67 for your life | $12.42 | | Qualified Joint and 100% Survivor Annuity³ monthly payment at age 67 for your life and for the life of your surviving spouse | $10.62 | Then the text: "The estimated monthly payments in this statement assume that payments begin 12/31/2025 and that you are 67 on this date. Monthly payments beginning at a younger age would be lower than shown since payments would be made over more years. Monthly payments beginning at an older age would be higher than shown since they would be made over fewer years." Then the footnotes section. In the original, they are marked with superscripts. I'll format them as: ¹If you have taken a loan... ²A single life annuity... ³A qualified joint and 100% survivor annuity... Then the remaining paragraphs. Then the footer. The footer has: - Left: S-RSTM-0001 - Right: Page 2 of 4 - Bottom left: PLAN | INVEST | PROTECT - Bottom right: VOYA FINANCIAL (logo text) - Right margin (vertical): 002261 1045775 0000000 01010912 022184 01/14 I think for the vertical text on the right, I'll just include it as a line since it's text visible on the page. Actually, looking at standard practices for transcribing documents with marginalia, I should probably include it. But where? Maybe at the end or note it as right margin text. Since the user wants ALL visible text, I must include those numbers. I'll put them at the bottom or note them as appearing on the right side. Actually, looking at the PDF structure, those numbers might be a Bates stamp or document control number printed vertically. Let me transcribe everything in reading order (top to bottom, left to right): January 01, 2025 - December 31, 2025 TATYANA JONGSMA Voya Financial PO Box 990070 Hartford, CT 06199-0070 ### Your Estimated Monthly Income in Retirement [Black bar - skip as it's graphical] The Estimated Monthly Income in Retirement below is designed to provide a better understanding of what you might expect in retirement. Based on your current retirement statement account balance and the assumptions noted below, a monthly lifetime retirement income has been estimated as both a single life annuity arrangement and a qualified joint and 100% survivor annuity arrangement. | Account Balance (including any outstanding loan balance(s)¹ that is not in default) as of 12/31/2025 | $1,955.39 | | Single Life Annuity² monthly payment at age 67 for your life | $12.42 | | Qualified Joint and 100% Survivor Annuity³ monthly payment at age 67 for your life and for the life of your surviving spouse | $10.62 | The estimated monthly payments in this statement assume that payments begin 12/31/2025 and that you are 67 on this date. Monthly payments beginning at a younger age would be lower than shown since payments would be made over more years. Monthly payments beginning at an older age would be higher than shown since they would be made over fewer years. ¹If you have taken a loan from the plan and are not in default on the loan, the estimated monthly payments in this statement assume that the loan has been fully repaid. ²A single life annuity is an arrangement that pays you a fixed amount of money each month for the rest of your life. Following your death, no further payments would be made to your spouse or heirs. ³A qualified joint and 100% survivor annuity is an arrangement that pays you and your spouse a fixed monthly payment for the rest of your joint lives. In addition, after your death, this type of annuity would continue to provide the same fixed monthly payment to your surviving spouse for their life. An annuity with a lower survivor percentage may be available, and reducing the survivor percentage (below 100%) would increase monthly payments during your lifetime, but would decrease what your surviving spouse would receive after your death. The estimated monthly payments for a qualified joint and 100% survivor annuity in this statement assume that you are married with a spouse who is the same age as you (even if you do not currently have a spouse, or if you have a spouse who is a different age). If your spouse is younger, monthly payments would be lower than shown since they would be expected to be paid over more years. If your spouse is older, monthly payments would be higher than shown since they would be expected to be paid over fewer years. The estimated monthly payments in this statement are based on an interest rate of 4.13%, which is the 10-year constant maturity U.S. Treasury securities yield rate as of 11/03/202 --- ## Page 3 January 01, 2025 - December 31, 2025 **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **TATYANA JONGSMA** ### Important Tax Information | | | |---|---| | **Fair Market Value as of 12/31/2025** | $1,955.39 | The "Fair Market Value" is your account balance. As required by law, this information is being furnished to the IRS. ### Activity Statement for Your 408(a) Plan IH9900 **Your Current Investment Portfolio for Plan IH9900** | Investment Objective | Balance on 01/01/2025 | Total Activity | Investment Earnings | Balance on 12/31/2025 | Number of Units/Shares | Unit/Share Price | |---|---|---|---|---|---|---| | **Stability of Principal** | | | | | | | | Voya Fixed Account | $1,946.25 | -$20.00 | $29.14 | $1,955.39 | N/A | N/A | | **Total** | $1,946.25 | -$20.00 | $29.14 | $1,955.39 | | | Unit/Share prices are displayed to four decimal places. ### Activity by Source of Contributions for Plan IH9900 | Investment Objective | Balance on 01/01/2025 | Contributions | Withdrawals | Investment Earnings | Balance on 12/31/2025 | |---|---|---|---|---|---| | Rollover Rollover | $1,946.25 | $0.00 | -$20.00 | $29.14 | $1,955.39 | | **Total** | $1,946.25 | $0.00 | -$20.00 | $29.14 | $1,955.39 | ### Fee Detail for Plan IH9900 | Fee Type | Process Date | Money Source | Investment | Number of Units/Shares | Unit/Share Price | Transaction Amount | |---|---|---|---|---|---|---| | Account Maintenance Fee | 10/27/2025 | Rollover Rollover | Voya Fixed Account | N/A | N/A | -$20.00 | | **Total** | | | **Account Maintenance Fee** | | | **-$20.00** | ### Messages for Plan IH9900 **YOUR PERSONAL PERFORMANCE** The returns shown are estimated dollar-weighted rates of return in your account, assuming evenly distributed cashflow throughout the period. The actual timing of cash flows into and out of your account may cause your actual returns to differ from these estimates. Past performance is no guarantee of future results. The Account Balance is the Fair Market Value of your account. This information is being furnished to the Internal Revenue Service. This statement contains time sensitive financial information. Please review the statement carefully and report any discrepancies or transactions that you did not initiate or request by calling one of our customer service representatives at the 1-800 Customer Service phone number provided above within 30 days of the date of this statement. Automated Voice Response System is available 24/7. Representatives are available Monday thru Friday, 8 a.m. to 9 p.m., ET or visit our web site at www.voyaretirementplans.com. The Company will investigate any claim and determine, in its sole discretion, whether an adjustment is warranted. Failure to report any discrepancy within 30 days will indicate that you are in agreement with transactions in your account as reported in this statement. Any insurance products, annuities and funding agreements that you may have purchased are sold as securities and are issued by Voya Retirement Insurance and Annuity Company ("VRIAC"), Windsor, CT or ReliaStar Life Insurance Company ("ReliaStar"), Minneapolis, MN. Fixed annuities are issued by VRIAC. VRIAC or ReliaStar is solely responsible for meeting its obligations. Group annuity contracts issued by American United Life Insurance Company (AUL), a OneAmerica Financial company, and registered variable annuity products distributed by OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC, One American Square, Indianapolis, IN 46282, are administered by VRIAC. Administrative and recordkeeping services are provided by VRIAC or Voya Institutional Plan Services, LLC ("VIPS"). Neither VRIAC nor VIPS engage in the sale or solicitation of securities. If custodial or trust agreements are part of this arrangement, they may be provided by Voya Institutional Trust Company. *continued on next page* --- S-RSTM-0001 Page 3 of 4 **VOYA** FINANCIAL PLAN | INVEST | PROTECT --- ## Page 4 January 01, 2025 - December 31, 2025 **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **TATYANA JONGSMA** *continued from previous page* ### Messages for Plan IH9900 VRIAC, ReliaStar, VIPS and Voya Institutional Trust Company are all members of the Voya family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. OneAmerica Securities and the companies of OneAmerica Financial are not affiliated with the Voya family of companies. All products or services may not be available in all states. **Not FDIC/NCUA/NCUSIF Insured | Not a Deposit of a Bank/Credit Union | May Lose Value | Not Bank/Credit Union Guaranteed | Not Insured by Any Federal Government Agency** This statement contains time sensitive financial information. Please review the statement carefully and report any discrepancies or transactions that you did not initiate or request by calling one of our customer service representatives at the 1-800 Customer Service phone number provided above within 30 days of the date of this statement. Automated Voice Response System is available 24/7. Representatives are available Monday thru Friday, 8 a.m. to 9 p.m., ET or visit our web site at www.voyaretirementplans.com. The Company will investigate any claim and determine, in its sole discretion, whether an adjustment is warranted. Failure to report any discrepancy within 30 days will indicate that you are in agreement with transactions in your account as reported in this statement. **Voya Excessive Trading Policy** - Voya has an Excessive Trading Policy and monitors fund transfer activity. To view Voya's Excessive Trading Policy refer to www.voyaretirementplans.com or your plan's website, or to obtain a copy of Voya's Excessive Trading Policy contact our customer service department at the number on the front of this statement. **Agreements to Share Trading Information with Funds** For information please refer to www.voyaretirementplans.com or your plan's website. **Redemption Fees** For information please refer to www.voyaretirementplans.com or your plan's website, or each fund's prospectus. *You should consider the investment objectives, risks, charges, and expenses of the investment options carefully before investing. Prospectuses containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.* 002661 1045775 0000000 010643 021286 02/04 S-RSTM-0001 Page 4 of 4 PLAN | INVEST | PROTECT VOYA. FINANCIAL}