Join our free webinar and learn how to save for rising college costs.
Morningstar's Gold Medal 2017
How to Save for the Rising Costs of College: Join Us for a Free Webinar
Presented by Bright Start Illinois 529 College Savings
Save for Their Future — and Save on Your 2017 Taxes
We're offering a free webinar about saving for college, including tips on how to increase your savings, take advantage on your taxes and more. Whether you already have an account or are just looking into it, you’ll get expert advice from the people at Bright Start, recently awarded Morningstar’s Gold medal, the highest ranking given to 529 college savings plans.

Choose a date and time that works for you, sharpen your pencils and be ready to learn. Hurry, spots are limited!
Available sessions:
December 14........7:00 - 8:00 PM CT
December 16....10:00 - 11:00 AM CT
December 19........3:00 - 4:00 PM CT
December 20........3:00 - 4:00 PM CT
December 21........7:00 - 8:00 PM CT
December 27..... ..3:00 - 4:00 PM CT
December 28.........7:00 - 8:00 PM CT
December 29.......12:00 - 1:00 PM CT | 877.432.7444
Union Bank and Trust
Michael W. Frerichs
Not FDIC Insured | May Lose Value | No Bank Guarantee
The Bright Start Direct–Sold College Savings Program is part of the Illinois College Savings Pool and is designed to qualify as a qualified tuition program under the provisions of Section 529 of the Internal Revenue Code. The Bright Start Direct–Sold College Savings Program is sponsored by the State of Illinois and administered by the Illinois State Treasurer, as Trustee. Investments in the Bright Start Direct–Sold College Savings Program are not guaranteed or insured by the State of Illinois, the Illinois State Treasurer, the Program Manager, the Federal Deposit Insurance Corporation, or any other entity.

An investor should consider the investment objectives, risks, and charges and expenses associated with municipal fund securities before investing. This, and other important information, is contained in the fund prospectuses and the Bright Start Program Disclosure Statement (issuer’s official statement), and may be obtained by calling 877.432.7444 and should be read carefully before investing. You can lose money by investing in a portfolio. Each of the portfolios involves investment risks, which are described in the Program Disclosure Statement.

Before you invest, consider whether your or the beneficiary's home state offers any state tax or other benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state's 529 plan.

October 24, 2017 — Morningstar, a leading provider of independent investment research, announced new Analyst Ratings and reports for 62 of the nation’s largest 529 college–savings plans. In 2017, Morningstar identified 34 plans that it believes to be best–in–class options, assigning these programs Analyst Ratings of Gold, Silver, and Bronze. These plans, for the most part, follow industry best practices, offering some combination of the following attractive features: a strong set of underlying investments; a solid manager selection process; a well–researched, asset-allocation approach; an appropriate set of investment options to meet investor needs; low fees; and strong oversight from the state and program manager. These features improve the odds that the plan will continue to represent a strong option for investors. Gold–rated plans have all or a vast majority of these attributes. Silver– and Bronze–rated plans embody most of these qualities but often have some room for improvement.

Since 2012, ratings for 529 plans use the same scale as the Morningstar Analyst Rating for mutual funds. Both Analyst Rating methodologies consider the same five factors to arrive at the final rating, though the 529 ratings reflect the quality of the entire plan–not a single investment, as is the case for the fund rating.

To arrive at an Analyst Rating for 529 plans, analysts consider: Process, People, Parent, Performance, Price. Morningstar rates the five Pillars: Positive, Neutral, or Negative. While these ratings can help with the selection process, they should not be the only factor considered.

This email was sent by: Bright Start
6811 South 27th Street, Lincoln, NE 68512, USA

Do not reply to this email address. For questions, contact us at or call 877.432.7444.