Name: 
E-mail: brendan.osweiler@yahoo.com
Employed as: Friend or family of employee, for N/A
Posted: 08 April 2012

To all here:

I'm a veteran who served a tour in Iraq and applaud the veterans who
work and continue to receive the GI BILL benefits.  If you can convert
to the Post 9/11 GI Bill there are some advantages.  I know my work was
hard during my 6 years of service but one thing I find is that CSX
Employees deal with this every day.

I've posted before I've had the pleasure of helping 2 CSX employees
find their 401k plans when they had the move from Fidelity to JP Morgan
because the company didn't care enough to communicate.  I find that in
many large organizations like the Army, CSX, the frustration level can
run high.  

I've seen the little screen that the conductor watches to wait for his
next turn in line to go back out.  I told my client he won't know what
to do when he retires and has a "normal" schedule.  I think discourse
like this room can be good but I suggest putting those ideas to work
seeking positive change in your organization.  Sometimes it feels like
people aren't listening to you which is why unions are in place to
give people a voice.  Keep fighting but know that every battle isn't
worth fighting.  Pick and choose the battles and then fight hard and
hopefully you'll win.

I've personally reached out to your office explaining that I thought
it was morally wrong that the company would fail to notify employees on
where a retirement plan was located.  What if someone died and a spouse
had to try to deal with this?  I'll post the response letter should I
receive it.  If any of you would like a resource in the area of
retirement planning, drop me an e-mail.  Many of you don't know that
you have money sitting in your 401k plans that you can rollover to an
IRA penalty free instead of the handful of investment options in the
Capital Builder plan.  Remember, don't try to call JP Morgan alone as
you will get the run around like my client did.  I got on the phone
with them and said if they didn't send him his transfer form that I
would call the Securities and Exchange Commission and FINRA.  Find
people to fight for you.

All the best-

Brendan J. Osweiler
Financial Advisor | Global Wealth Management
Morgan Stanley Smith Barney
111 Monument Circle, Suite 3100
Indianapolis, IN  46204
brendan.osweiler@mssb.com