Company Sponsored IRA Program


The Plan

  • You can save through payroll deduction up to $6,000 annually
  • You can have rollover balances directly transferred from prior employer retirement plans
  • All deposits and earnings may be tax deferred in a traditional IRA or tax-free Roth IRA
  • Because it is part of the CMA Program, contributions are at a lower expense level than if you invested privately
  • You are 100% vested in your account balances at all times



Plan assets are invested with The American Funds Mutual Fund Company, which is one of the three largest mutual fund families in the US and one of the oldest serving investors since 1931. Complete information about American Funds, including current performance information is available at  With their excellent performance and low expenses for retirement plans (R-2 Shares), we are confident you will be impressed with what you see.  Following are the funds available under the plan:


Lipper Category

10 Year Ranking

Growth Fund of America

Multi-Cap Growth

10 of 135

New Perspective


7 of 123


Global Small-Cap

14 of24

Capital World Gr. & Inc.


2 of 123

Fundamental Investors

Large-Cap Value

3 of 166

Washington Mutual

Large-Cap Value

56 of 166

Capital Income Builder

Income (Mixed Equity)

1 of 69

American Balanced


13 of 260

American High Income

High Current Yield

11 of 167

Bond Fund of America

Corporate Debt A-Rated

19 of 64

US Govt. Securities

General US Govt.

30 of 72

The preceding are the Lipper rankings as of June 30, 2008 based upon total return

and do not include the effects of sales charges.


Service and Assistance

Career Management Associates has partnered with Retirement Designs to assist you with enrolling, selecting, and monitoring your investments as well as all other service needs.  You may contact our representative, Steve Stone, anytime at or 877-503-9032.




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