This Q&A is intended to provide a brief overview of the key features.
Q. What is being proposed?
A. Following a strategic review, and with careful consideration, AIG Life & Retirement, a division of American International Group, Inc. (“AIG”), determined that the retail mutual fund asset management business of SunAmerica Asset Management, LLC (“SunAmerica”), an indirect wholly-owned subsidiary of AIG and the Target Funds’ investment advisor, was no longer core to AIG Life & Retirement’s offerings. As a result of this decision, following a process of identifying potential buyers, AIG, SunAmerica, Western & Southern Financial Group, Inc. (“W&S”), and Touchstone Advisors, Inc. (“Touchstone Advisors”), an indirect wholly-owned subsidiary of W&S, entered into an Asset Purchase Agreement pursuant to which SunAmerica has agreed to sell certain assets relating to its retail mutual fund asset management business to Touchstone Advisors in exchange for cash consideration (the “Transaction”). In connection with the Transaction, SunAmerica recommended and the Board of Directors or Trustees, as applicable, of each of SunAmerica Equity Funds, SunAmerica Income Funds, SunAmerica Series Inc., and SunAmerica Specialty Series (each, a “Target Funds Board”) considered and approved the reorganization of each respective Target Fund into the corresponding Acquiring Fund. At the Joint Special Meeting of Shareholders (“Special Meeting”) on June 10, 2021, shareholders of each Target Fund will be asked to vote on a proposal to reorganize their Target Fund into the corresponding Acquiring Fund, as set forth below, each with a similar investment goal and principal investment strategies.
Q. What AIG Funds are involved in the Reorganizations?
A. For fees and expenses, performance, investment goal, principal investment strategy, investment limitations, and principal risks comparisons of the Target Fund and its corresponding Acquiring Fund, please click on each fund’s link. In that section you can find information on each Acquiring Fund’s advisor, sub-advisor, portfolio management team after the reorganization as well as turnover rates and portfolio repositioning.
AIG Fund |
Existing touchstone fund |
AIG Focused Alpha Large-Cap Fund |
Touchstone Large Cap Focused Fund |
AIG Focused Growth Fund |
Touchstone Sands Capital Select Growth Fund |
AIG Multi-Asset Allocation Fund |
Touchstone Balanced Fund |
AIG Active Allocation Fund |
Touchstone Balanced Fund |
AIG Strategic Value Fund |
Touchstone Value Fund |
AIG Senior Floating Rate Fund |
Touchstone Credit Opportunities Fund |
AIG U.S. Government Securities Fund |
Touchstone Active Bond Fund |
AIG International Dividend Strategy Fund |
Touchstone International Fund |
aig fund |
newly created touchstone fund |
AIG Focused Dividend Strategy Fund |
Touchstone Dividend Equity Fund |
AIG Select Dividend Growth Fund |
Touchstone Dividend Equity Fund |
AIG Strategic Bond Fund |
Touchstone Strategic Income Opportunities Fund |
AIG Flexible Credit Fund |
Touchstone Strategic Income Opportunities Fund |
The consummation of the Reorganization as to a Target Fund and its corresponding Acquiring Fund is not contingent upon the consummation of the Reorganization of any other Target Fund and its corresponding Acquiring Fund. The completion of the Transaction, however, is subject to the satisfaction or waiver of certain conditions including that (1) shareholders of the AIG Focused Dividend Strategy Fund and the AIG Select Dividend Growth Fund, series of SunAmerica Series, Inc. (“Approving Funds”), shall have approved their respective reorganization as set forth in the Touchstone Funds Group Trust Proxy Statement (as defined below) and such Approving Funds shall have a minimum amount of assets at closing as agreed between SunAmerica and Touchstone Advisors, and (2) shareholders of the Target Funds and the other AIG funds proposed to reorganize into Touchstone funds representing a minimum amount of assets under management at closing as agreed between SunAmerica and Touchstone Advisors shall have approved their respective reorganizations.
Shareholders of record of each Target Fund as of the close of business on March 31, 2021 are entitled to notice of and are eligible to vote at the Special Meeting. Subject to the satisfaction or waiver of all closing conditions, the Reorganizations are expected to be completed on July 16, 2021, or as soon as practicable thereafter.
Q. What is the recommendation of the Target Funds Boards?
A. After considering the proposed Reorganizations, each Target Funds Board determined, at a meeting held on February 8, 2021, that each Reorganization was in the best interests of the applicable Target Fund and its shareholders. In approving the Reorganizations, the Target Funds Board considered, among other factors, that the Reorganizations offer shareholders of the Target Funds an opportunity to be part of a larger mutual fund complex offering a diversified fund line-up with free exchangeability among funds and sponsored by a reputable and respected investment adviser with a proven track record of successful acquisitions, and that the Reorganizations present an excellent opportunity for the shareholders of each Target Fund to become investors in a fund that has a larger asset size than the Target Fund, total annual fund operating expenses that are no higher than the total annual fund operating expenses of the Target Fund (after applicable expense waivers), and a strong historical investment performance record. In addition, each Reorganization will provide Target Fund shareholders with an opportunity to continue their investment in a Touchstone Fund with an investment goal and principal investment strategies similar to those of their Target Fund through a tax-free reorganization of the Target Fund into the corresponding Acquiring Fund.
Each Target Funds Board recommends that shareholders of the respective Target Funds approve the Reorganization of their Fund.
See “Information About the Reorganizations – Target Funds Board Approval of the Reorganizations” for additional information regarding each Target Funds Board’s considerations.
Q. How do the fees and expenses of the Funds compare?
A. Touchstone Advisors has contractually agreed to waive fees and reimburse expenses in order to maintain the total annual operating expense ratio (excluding dividend and interest expenses relating to short sales; interest; taxes; brokerage commissions and other transaction costs; portfolio transaction and investment related expenses, including expenses associated with the Fund's liquidity providers; other expenditures which are capitalized in accordance with U.S. generally accepted accounting principles; the cost of “Acquired Fund Fees and Expenses,” if any; and other extraordinary expenses not incurred in the ordinary course of business) for each class of shares of each Acquiring Fund offered hereby to an amount no greater than the total annual operating expense ratio of the corresponding class of shares of the corresponding Target Fund for the Target Fund’s most recent fiscal year end (after giving effect to any fees waived and expenses reimbursed for the Target Fund). These contractual expense limitations will remain in place for a period of at least two years from the closing date of the Reorganizations. The expense ratios for each class of the Touchstone Credit Opportunities Fund are expected to be higher than the expense ratios of the corresponding Target Fund because dividend and interest expenses related to short sales are excluded from the expense limitation arrangement. Additional information regarding the pro forma fees and expenses for the Funds involved in each Reorganization can be found under the Summary section for your Target Fund’s Reorganization. Additional information regarding the terms of the expense limitation agreements can be found under “The Funds’ Management – Expense Limitation Agreement.”
Q. How do the Target Funds’ and Acquiring Funds’ investment goals and principal investment strategies compare?
A. Although each Target Fund and the corresponding Acquiring Fund have similar investment goals and principal investment strategies, there are some differences. In addition, the analytical tools, techniques and investment selection process used by the sub-advisors of the Acquiring Funds to select investments may be different from those used by SunAmerica and the sub-advisors of the Target Funds. The section of this Joint Proxy Statement/Prospectus entitled “Summary” for your Target Fund’s Reorganization describes in detail the differences between the investment goals and principal investment strategies of each Target Fund and the corresponding Acquiring Fund.
Q. Who will manage the Acquiring Funds after the Reorganizations?
A. Touchstone Advisors currently serves as investment advisor to the Acquiring Funds. With respect to each Acquiring Fund, Touchstone Advisors employs a sub-advisor to provide portfolio management services. The sub-advisors are overseen by Touchstone Advisors and by the Board of Trustees of the Trusts of the Acquiring Funds (“Acquiring Funds Board”). The Acquiring Funds into which each of the AIG Active Allocation Fund, AIG Focused Alpha Large-Cap Fund, AIG International Dividend Strategy Fund, AIG Multi-Asset Allocation Fund and AIG U.S. Government Securities Fund will be reorganized currently utilize Fort Washington Investment Advisors, Inc. (“Fort Washington”), an affiliate of Touchstone Advisors, as a sub-advisor. The Acquiring Fund into which AIG Strategic Value Fund will be reorganized currently utilizes Barrow, Hanley, Mewhinney &Strauss, LLC, as a sub-advisor. The Acquiring Fund into which the AIG Senior Floating Rate Fund will be reorganized currently utilizes Ares Capital Management II LLC, as a sub-advisor. The Acquiring Fund into which the AIG Focused Growth Fund will be reorganized currently utilizes Sands Capital Management, LLC, as a sub-advisor. The Acquiring Fund into which each of the AIG Flexible Credit Fund and AIG Strategic Bond Fund will be reorganized is expected to utilize Fort Washington as a sub-advisor. The Acquiring Fund into which each of the AIG Focused Dividend Strategy Fund and AIG Select Dividend Growth Fund will be reorganized is expected to utilize Fort Washington as a sub-advisor. The portfolio management teams of each Acquiring Fund will differ from the current portfolio managers of the corresponding Target Fund. The SEC has granted an exemptive order that permits Touchstone Strategic Trust or Touchstone Advisors, under certain conditions, to select or change unaffiliated sub-advisors, enter into new sub-advisory agreements, or amend existing sub-advisory agreements without first obtaining shareholder approval. The Acquiring Funds must still obtain shareholder approval of any sub-advisory agreement with a sub-advisor affiliated with Touchstone Strategic Trust or Touchstone Advisors other than by reason of serving as a sub-advisor to one or more Acquiring Funds. Shareholders of an Acquiring Fund will be notified of any material changes in its sub-advisory arrangements; please see the sections of the Joint Proxy Statement/Prospectus entitled “Summary” for your Target Fund’s Reorganization and “The Funds’ Management.”
The Target Funds are currently managed by SunAmerica. With respect to the AIG Focused Alpha Large-Cap Fund, AIG Strategic Bond Fund, AIG Flexible Credit Fund, AIG Focused Growth Fund and AIG Senior Floating Rate Fund, SunAmerica employs a sub-advisor to provide portfolio management services. SunAmerica does not employ a sub-advisor with respect to the AIG Active Allocation Fund, AIG Multi-Asset Allocation Fund, AIG Strategic Value Fund, AIG International Dividend Strategy Fund and AIG U.S. Government Securities Fund, AIG Focused Dividend Strategy Fund and AIG Select Dividend Growth Fund.
Q. What will happen to my existing shares?
A. At the closing, your Target Fund will transfer all of its assets to the corresponding Acquiring Fund in exchange for (i) the Acquiring Fund’s assumption of the liabilities (other than certain excluded liabilities) of the Target Fund, as described in the respective Plan, and (ii) newly issued shares of the Acquiring Fund having a value equal to the aggregate net assets of the Target Fund. Immediately after the Reorganization of your Target Fund, you will own shares of the corresponding Acquiring Fund with an aggregate net asset value equal to the aggregate net asset value of the shares of the Target Fund that you held immediately prior to the closing of the Reorganization (although the number of shares and the net asset value per share may be different).
Q. How similar are the Target Funds’ and Acquiring Funds’ share classes?
A. The share classes of the Target Funds are similar to the corresponding share class of the Acquiring Funds. The Target Funds’ and Acquiring Funds’ Class A shares are subject to a sales charge (load). The Target Funds’ and Acquiring Funds’ Class C shares and the Target Funds’ Class B shares are subject to a contingent deferred sales charge (load). The Target Funds’ and Acquiring Funds’ Class A and C shares and the Target Funds’ Class B shares are also subject to distribution and/or service (12b-1) fees. The Target Funds’ Class W shares and the Acquiring Funds’ Class Y shares are not subject to any sales charge (load) or 12b-1 fees. Share class selection was primarily based on shareholder eligibility requirements of each share class of both the Target Funds and the Acquiring Funds and on the presence of a distribution plan for each share class. In addition, similarities in shareholder services and expenses were considered.
Q. Will I have to pay federal income taxes as a result of my Target Fund’s Reorganization?
A. Each Reorganization is intended to qualify as a tax-free reorganization for federal income tax purposes. Accordingly, shareholders are not expected to recognize any gain or loss for federal income tax purposes as a direct result of the exchange of their Target Fund shares for shares of the corresponding Acquiring Fund in their Target Fund’s Reorganization. While it is unlikely a Fund holds stock in a foreign corporation classified as a passive foreign investment company (“PFIC”), in the case of a Reorganization involving the combination of two existing Funds (an “Existing Fund Reorganization”), if a Fund does hold stock in a PFIC, the Reorganization of the Fund may result in it having to pay a “deferred tax amount” that cannot be reduced or eliminated by distributing an equivalent amount to shareholders. Because any deferred tax amounts would be payable at the Fund level, the shareholders would effectively bear that cost. Each Reorganization involving the newly created series of Touchstone Strategic Trust is referred to as a “New Fund Reorganization”.
Shareholders of a Fund involved in an Existing Fund Reorganization may receive a higher level of taxable distributions as a result of the Reorganization. Prior to the closing of an Existing Fund Reorganization, the Target Fund may distribute all of its net investment income and net capital gains, if any. All or a portion of such distribution may be taxable to the shareholders of such Target Fund and will generally be taxed as ordinary income or capital gains for federal income tax purposes, unless the shareholders are tax-advantaged accounts such as an individual retirement account or 401(k) plan (in which case the owners of such accounts may be taxed upon withdrawal of their investment from such accounts). The tax character of such distributions will be the same regardless of whether they are paid in cash or reinvested in additional shares.
In addition, a significant portion of the portfolio securities of each Target Fund are expected to be sold following the Reorganization. To the extent that portfolio investments received by an Acquiring Fund from a Target Fund in a Reorganization are sold after the Reorganization, the combined Fund will incur transaction costs related to the purchase and sale of securities and may recognize gains or losses, which may result in taxable distributions to shareholders holding shares of the combined Fund (including former Target Fund shareholders who hold shares of the Acquiring Fund following the Reorganization). The section of this Joint Proxy Statement/Prospectus entitled “Information About the Reorganizations – Material Federal Income Tax Consequences” provides additional information regarding the federal income tax consequences of the Reorganizations.
Q. Will I have to pay any sales charge (load), commission, or other similar fee in connection with the Reorganization?
A. No, you will not pay any sales charge (load), commission, or other similar fee in connection with the receipt of Acquiring Fund shares in the Reorganization of your Target Fund. In addition, any applicable investment minimums will not apply with regard to your receipt of Acquiring Fund shares in a Reorganization. If you hold Target Fund shares that are subject to contingent deferred sales charges (Class A shares, Class B shares or Class C shares), the Acquiring Funds will look to the date of purchase of your Target Fund shares for purposes of assessing such contingent deferred sales charges.
Q. What if I redeem my shares before the Reorganization of my Target Fund takes place?
A. If you choose to redeem your Target Fund shares before the Reorganization takes place, then the redemption will be treated as a normal sale of shares and, generally, will be a taxable transaction.
Q. How do the distribution policies of the Funds compare?
A. Like the Target Funds, each Acquiring Fund intends to distribute to its shareholders substantially all of its net investment income and capital gains. Net investment income dividends are declared and paid monthly for the Touchstone Active Bond Fund and Touchstone Strategic Income Opportunities Fund, quarterly for the Touchstone Balanced Fund, Touchstone Value Fund, Touchstone Credit Opportunities Fund and Touchstone Dividend Equity Fund, and annually for the Touchstone International Equity Fund Touchstone Large Cap Focused Fund and Touchstone Sands Capital Select Growth Fund. Net investment income dividends are declared daily and paid monthly for the AIG Strategic Bond Fund, AIG Flexible Credit Fund, AIG Senior Floating Rate Fund and AIG U.S. Government Securities Fund, quarterly for the AIG Active Allocation Fund, AIG International Dividend Strategy Fund, AIG Select Dividend Growth Fund and AIG Focused Dividend Strategy Fund, and annually for the AIG Focused Alpha Large-Cap Fund, AIG Multi-Asset Allocation Fund, AIG Strategic Value Fund and AIG Focused Growth Fund.
Each Fund makes distributions of capital gains, if any, at least annually. After the Reorganizations, any income and capital gains will be reinvested in the class of shares of the Acquiring Fund you receive in your Target Fund’s Reorganization or, if you have so elected, distributed in cash. For more information, see the section entitled “Distributions and Taxes – Distribution Policy.”
Q. How do I purchase, exchange and redeem shares after the Reorganizations?
A. Shares of the Target Funds may currently be purchased and redeemed in accordance with the policies of the Target Funds, and you may exchange shares of the Target Funds for shares of other series within the SunAmerica family of funds, subject to applicable policies and procedures. In connection with the Reorganizations, you will become a shareholder of a Fund that is part of the Touchstone family of funds. You will be able to purchase and redeem shares of your Fund in accordance with the policies of the Acquiring Funds. You may also exchange shares of your Acquiring Fund for shares of other Funds in the Touchstone family of funds, including the other Acquiring Funds, subject to applicable policies and procedures of the Touchstone family of funds. For more information, see the section entitled “Distributions and Taxes –Distribution Policy.” The Target Funds’ policies and procedures applicable to purchases, exchanges, and redemptions are generally comparable to those of the Acquiring Funds; however, following the Reorganizations, purchases, exchanges, and redemptions of Acquiring Fund shares may be subject to fees, charges, expenses and limitations that differ from those applicable to the Target Funds. See “Investing with Touchstone.”
Q. Who will pay the costs of the Reorganizations?
A. Touchstone Advisors and SunAmerica (or their respective affiliates) will pay the costs of the Reorganizations (other than transaction costs related to the purchase or sale of portfolio securities), including the costs relating to the Special Meeting and this Joint Proxy Statement/Prospectus. The costs of the Reorganizations (other than transaction costs related to the purchase or sale of portfolio securities) are estimated to be approximately $5.25 million in the aggregate. It is not anticipated that the Target Funds will be repositioned prior to the Reorganizations (with the exception of limited derivative positions), though the Target Funds may sell certain securities that may be less liquid or for other reasons would be advantageous to sell prior to the Reorganizations. Because any repositioning generally will occur following the Reorganizations, shareholders of the combined Fund (including Target Fund shareholders who receive shares in a Reorganization) will bear such costs. Additional information regarding expected portfolio repositioning and related transaction costs in connection with purchases and sales of securities for each Reorganization is included in the “Summary” for your Target Fund.
Q. What is the required vote to approve each Reorganization?
A. In addition to applicable Board approval, the required shareholder approvals for each Target Fund are set forth below.
Target Fund(s) |
Required shareholder approval |
AIG Flexible Credit Fund and AIG Strategic Bond Fund (each a series of SunAmerica Income Funds) |
The lesser of (i) 67% or more of the total number of shares of a Retail Fund present or represented by proxy at the meeting, if holders of more than 50% of the outstanding shares are present or represented by proxy at the meeting; or (ii) more than 50% of the total number of outstanding shares of a Retail Fund ("1940 Act Majority"). |
AIG International Dividend Strategy Fund (a series of SunAmerica Equity Funds) |
A 1940 Act Majority |
AIG Active Allocation Fund, AIG Multi-Asset Allocation Fund, and AIG Strategic Value Fund (each a series of SunAmerica Series, Inc,) |
A 1940 Act Majority |
AIG Focused Alpha Large-Cap Fund (a series of Sun America Specialty Series) |
A 1940 Act Majority |
AIG Focused Dividend Strategy Fund and AIG Select Dividend Growth Fund (each a series of SunAmerica Series, Inc.) |
The lesser of (i) 67% or more of the total number of shares of a Retail Fund present or represented by proxy at the meeting, if holders of more than 50% of the outstanding shares are present or represented by proxy at the meeting; or (ii) more than 50% of the total number of outstanding shares of a Retail Fund ("1940 Act Majority").
|
AIG Focused Growth Fund (a series of SunAmerica Specialty Series) |
A 1940 Act Majority
|
AIG Senior Floating Rate Fund (a series of SunAmerica Senior Floating Rate Fund, Inc.) |
A 1940 Act Majority
|
AIG U.S. Government Securities Fund (a series of SunAmerica Income Funds) |
A 1940 Act Majority
|
Q. Why did I receive two proxy statements?
A. Each proxy statement covers a selection of the Target Funds. If you own more than one Target Fund it is possible you received two proxy statements due to the details of each fund’s acquisition being outlined in a separate document.
You are being asked to vote separately for each fund in which you own shares. There is a separate proxy statement that pertains to: (i) the reorganization of each of the AIG Focused Dividend Strategy Fund and the AIG Select Dividend Growth Fund, series of SunAmerica Series, Inc., into the Touchstone Dividend Equity Fund, a newly created series of Touchstone Funds Group Trust; (ii) the reorganization of the AIG Focused Growth Fund, a series of SunAmerica Specialty Series, into the Touchstone Sands Capital Select Growth Fund, a series of Touchstone Funds Group Trust; (iii) the reorganization of the AIG Senior Floating Rate Fund, a series of SunAmerica Senior Floating Rate Fund, Inc., into the Touchstone Credit Opportunities Fund, a series of Touchstone Funds Group Trust; and (iv) the reorganization of the AIG U.S. Government Securities Fund, a series of SunAmerica Income Funds, into the Touchstone Active Bond Fund, a series of Touchstone Funds Group Trust (the “Touchstone Funds Group Trust Proxy Statement”).
There is a separate proxy statement that pertains to: (i) the reorganization of each of the AIG Active Allocation Fund and the AIG Multi-Asset Allocation Fund, series of SunAmerica Series, Inc., into the Touchstone Balanced Fund, a series of Touchstone Strategic Trust; (ii) the reorganization of each of the AIG Flexible Credit Fund and the AIG Strategic Bond Fund, series of SunAmerica Income Funds, into the Touchstone Strategic Income Opportunities Fund, a newly created series of Touchstone Strategic Trust; (iii) the reorganization of the AIG Focused Alpha Large-Cap Fund, a series of SunAmerica Specialty Series, into the Touchstone Large Cap Focused Fund, a series of Touchstone Strategic Trust; (iv) the reorganization of the AIG International Dividend Strategy Fund, a series of SunAmerica Equity Funds, into the Touchstone International Equity Fund, a series of Touchstone Strategic Trust; (v) and the AIG Strategic Value Fund, a series of SunAmerica Series, Inc., into Touchstone Value Fund, a series of Touchstone Strategic Trust.
Q. What will happen if shareholders of one or more Target Funds do not approve the Reorganization or the Transaction is not completed?
A. If the shareholders of a Target Fund do not approve the Reorganization, or other closing conditions are not satisfied or waived, the Reorganization of that Target Fund will not be completed and such Target Funds Board will consider other possible courses of action for that Target Fund, including continuing to operate the Target Fund as a stand-alone fund, reorganizing the Target Fund into another mutual fund or liquidating the Target Fund. The consummation of the Reorganization as to a Target Fund and its corresponding Acquiring Fund is not contingent upon the consummation of the Reorganization of any other Target Fund and its corresponding Acquiring Fund; provided, however, that, as noted below, no Reorganization will be consummated if shareholders of the Approving Funds, whose reorganizations are discussed in the Touchstone Funds Group Trust Proxy Statement, do not approve the reorganization of their respective Target Fund.
The completion of the Transaction is subject to the satisfaction or waiver of certain conditions including that (1) shareholders of the Approving Funds, whose reorganizations are discussed in the Touchstone Funds Group Trust Proxy Statement, shall have approved their respective reorganization as set forth in the Touchstone Funds Group Trust Proxy Statement and such funds shall have a minimum amount of assets at closing as agreed between SunAmerica and Touchstone Advisors, and (2)shareholders of the Target Funds and the other AIG funds proposed to reorganize into Touchstone funds representing a minimum amount of assets under management at closing as agreed between SunAmerica and Touchstone Advisors shall have approved their respective reorganizations.
If these or any other closing conditions are not satisfied, then Touchstone Advisors is not obligated to close the Transaction, and absent a waiver from Touchstone Advisors, none of the Reorganizations would be consummated. In that event, each respective Target Funds Board will consider other possible courses of action for the Target Funds.
Q. What will happen to my account options, such as my automatic investment plan?
A. Your current election with respect to automatic investment plans and systematic withdrawal plans and distributions will be automatically enacted on your new account at Touchstone Funds. Your current bank instructions on file with the Target Fund(s) also will be enacted on your Touchstone Funds account.
Q. For Class A shares, will my net asset value (“NAV”) purchase privileges (eligibility for sales load waivers) be converted or do I need to re-enroll?
A. For the majority of shareholders with NAV privileges, those elections will carry over and no action will be required to maintain that election. There are some isolated circumstances which may result in changes to NAV privileges. If this affects your account, you will receive a separate communication alerting you to this change.
A. Subject to the satisfaction or waiver of all closing conditions, the Reorganizations are expected to be completed at the close of business on July 16, 2021, or as soon as practicable thereafter.
Q. Whom should I contact for more information?
A. You can contact our proxy solicitor, AST Fund Solutions, LLC, at 866-340-7108.