Prudential SmartSolution IRA

Investors should consider a fund's investment objectives, risks, charges and expenses before investing. The prospectus, and if available the summary prospectus, contain complete information about the investment options available through your plan.  Please call 1-877-778-2100 for a free prospectus and if available, a summary prospectus that contain this and other information about our funds. You should read the prospectus and the summary prospectus, if available carefully before investing. It is possible to lose money investing in securities.

*Retirement Counselors are registered representatives of Prudential Investment Management Services, LLC who will receive compensation if you decide to either roll over your plan account to an individual retirement account (or IRA) through Prudential or keep your funds in your employer-sponsored retirement plan. The timing and amount of these compensation payments for an IRA, is more favorable than for remaining in the plan.  Should you choose to roll to an IRA through Prudential, such compensation does not differ on which IRA you choose or how your money is invested.

You get tax deferral of your investment earnings through the qualified retirement plan in which you participate. Because you already enjoy this tax deferral, your decision to invest in an Individual Retirement Account or other variable annuity should be based on the annuity's investment and insurance features, such as the ability to annuitize and the death benefit.

Annuities are longer term investments intended for retirement savings. They contain fee, exclusions, limitations, reductions of benefits, and terms for keeping them in force.

The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You or your agent may wish to solicit independent legal or financial advice before selling or liquidating any assets, and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold.

Amounts withdrawn before age 59½ may be subject to a 10% federal income tax penalty, applicable taxes, and plan restrictions. Withdrawals are generally taxed at ordinary income tax rates.

The PruSecure Account is a group annuity product issued by The Prudential Insurance Company of America (PICA), Newark, NJ 07102. Amounts contributed to the contract are deposited in PICA's general account. Payment obligations and the fulfillment of any guarantees specified in the group annuity contract are insurance claims supported by the full faith and credit of PICA. PICA periodically resets the interest rate credited on contract balances, subject to a minimum rate specified in the group annuity contract. Past interest rates are not indicative of future rates. This product is neither a mutual fund nor a bank product. The obligations of PICA are not insured by the FDIC or any other federal governmental agency. Prudential Retirement is compensated in connection with this product when general account investment returns exceed the interest credited on contract balances. Other than such compensation, there are no additional charges imposed that reduce the interest rate credited.

Securities products and services are offered through Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ 07102-4077. Member  SIPC . PIMS is a Prudential Financial company. Insurance products are issued by The Prudential Insurance Company of America (California Certificate of Authority No. 1179), Newark, NJ, or its affiliates. Insurance products are issued by The Prudential Insurance Company of America, Newark, NJ, or its affiliates (California Certificate of Authority No. 1179). Prudential Retirement, Prudential Financial, PRU, Prudential and the Rock logo are registered service marks of The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential Retirement is a Prudential Financial business.

The Prudential SmartSolution IRA invests in Prudential managed funds. PruSecure, Target and Prudential Investments (including Prudential Jennison) are Prudential subsidiaries and Prudential earns fees for managing these accounts. These fees are described in the prospectus for each fund.

Advisory services provided through Global Portfolio Strategies, Inc., a registered investment advisor and a Prudential Financial company.

Nondeposit investment products are:

Not FDIC Insured | Not Bank Guaranteed | May Lose Value | Not Guaranteed by Any Government Agency | Not a Bank Deposit

Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its affiliates. (California COA # 1179)

Insurance products and services offered by Prudential Retirement Insurance and Annuity Company, Hartford, CT or Prudential Insurance Company of America, Newark, NJ.   Each company is solely responsible for its financial condition and contractual obligations.

Securities products and services are distributed by Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ 07102-4077. Both are Prudential Financial companies.

Prudential Investment Management Services LLC's audited Statement of Financial Condition is available to view, print or download. You may request a hard copy of this document by contacting us at 888-244-6237.

PIMS Best Execution Quality Report (SEC 606 Information) is now available to view.

Neither Prudential Financial nor any of its representatives are tax or legal advisors. You are encouraged to consult your individual legal or tax advisor with any specific questions.

© 2013 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.

Prudential Retirement is a Prudential Financial business.