All ACCG Retirement Services participants can access their account information by visiting www.accgretirement.org and clicking on the Participant Login button. Once you have entered the information, you will be able to: View detailed account information and balances. Change or realign investment elections. Change or realign fund balances.• Submit any questions to the ACCG administrative team. Please note if you have a 401(a) and/or 457(b) account with . ACCG, you can continue to access your account information at www. ACCGRetirement.com. If you have questions about this process, you may contact your ACCG Regional Client Manager, or ACCG Client Services at (800) 736-7166 ...ACCG Retirement Services: Emergency Maintenance. Please be aware that ACCG Retirement Services has taken SecureFTP down for emergency maintenance, you will receive correspondence by email for further information. …ACCG Retirement Services Calculators. All Calculators; Retirement; Savings; Finance; 457(b) Plan Contribution Use this calculator to see how increasing your contributions to a …The Defined Contribution Program (401(a) and 457(b) deferred compensation) is managed by a nine-member Board of Trustees appointed by the ACCG Board of Managers, and is comprised of county elected and appointed officials.ACCG’s Member Services programs seek to provide diverse offerings designed to help counties maximize their efficiency and effectiveness. The association’s two leading …Object moved to here.ACCG Retirement Services: 401(a) Defined Contribution Plan. The 401 (a) Defined Contribution Plan is the second most popular primary plan. The 401(a) Defined Contribution Plan is very similar to the 401(k) pension plan offered by many businesses. Such plans can provide retirement benefits equal to 15% to 35% of an employee’s final, pre ...ACCG Retirement Services Profile and History. Our programs and expertise offer your employees opportunities to build more financially secure futures. Additionally, they enable you to attract and retain high-caliber employees and enhance your benefits package. Markets are uncertain, and market timing attempting to predict its "highs" and "lows ...ACCG Retirement Services make no warranties, expressed or implied, and hereby disclaim and negate all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, ACCG Retirement Services ...Letting retirement properties on long term rentals to those independent and active people aged 55+ in purpose built retirement developments across the UK.ACCG Retirement Services make no warranties, expressed or implied, and hereby disclaim and negate all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, ACCG Retirement Services ...ACCG Retirement Services, is a Georgia-based company that provides quality retirement services to Georgia’s local government employees. Our package of employee retirement programs includes: Our programs and expertise offer your employees opportunities to build more financially secure futures. Additionally, they enable you to attract and ...ACCG Retirement Services: Emergency Maintenance. Please be aware that ACCG Retirement Services has taken SecureFTP down for emergency maintenance, you will receive correspondence by email for further information. …Employees age 50 or older may contribute up to an additional $6,500, for a total of $26,000. Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a total of $39,000. Section 457 (b) Plan limits stand alone. IRA. The contribution limit for Traditional and Roth IRAs ...ACCG Retirement Services – is owned by ACCG. We organized in 2000 to: Expand the value of local, personal service given to all ACCG retirement programs by creating a new 457 (b) deferred compensation program and a companion 401 (a) defined contribution program. While the ACCG Retirement Services name is still relatively new, we think of ...ACCG Retirement Services ... If your birthdate is in 1955 through 1959 your actual full retirement age for Social Security is 66 plus two months for each year after 1954. Your actual benefit may be lower or higher depending on your work history and the complete compensation rules used by Social Security.Mr. Paul Bates is an employee of ACCG and is assigned to Macon-Bibb County to assist retirees and current employees who are members of the County Pension Plan, Division (A) Pension Plan, and the Fire and Police Pension Plan. ... ACCG Retirement Services (cell) 770-283-7545 Email: [email protected]. Macon-Bibb County. 700 Poplar Street, Macon, …If a reasonable amount is deferred each pay period, employees can increase their retirement income by an amount equal to 5% to 35% of their final, pre-retirement earnings. Contribution Guidelines Regular Contribution - Employees with a 457(b) Deferred Compensation Plan can contribute 100% of their pay up to a maximum of $23,000 in 2024.Register to access your account . Forgot Login ID. Forgot PasswordSecurity. About the company. General retirement information. Ground rent. Call us today to find out more. Read answers for our most frequently asked retirement questions …ACCG Retirement Services goes beyond merely designing and implementing a rewarding retirement program for your county government. Our professional staff makes the plans we offer more valuable to you and your employees by making available the services highlighted below. ACCG Retirement Services representatives work with plan sponsors and ...Contact ACCG Retirement Services; ACCG Retirement Services is Going Green; Defined Benefit Board of Trustees; Defined Contribution Board of Trustees; ACCG; ON-LINE ACCESS. On-Line Access to your Account; Access your 401(a) / 457(b) account Access your Pension account Access your personal retirement accounts; Plan …ACCG Retirement Services representatives work with plan sponsors and participants toward successful outcomes. Program Flexibility. The retirement programs we offer allow for a wide variety of customization and coordination among the types of retirement plans you offer your employees.The Georgia Local Government Access Marketplace is. a joint effort of the Georgia Municipal Association and the Association County Commissioners of Georgia. The GLGA Marketplace provides you with the most comprehensive and up-to-date listing of local government job opportunities in Georgia. It also includes city and county items for bid, …IRA. $6,500. $1,000. N/A. * Pre-retirement catch up is ONLY available to a participant who did not defer the maximum every year he/she was eligible for a 457 (b) Plan. The Employee cannot use Over Age 50 catch-up and Pre-Retirement Catch-up in the same year. (“Pre-Retirement” is the last 3 years prior to normal retirement age.)Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a total of $41,000. Section 457 (b) Plan limits stand alone. IRA. The contribution limit for Traditional and Roth IRAs remains at $6,000 in 2022. Employees age 50 or older are eligible to contribute an additional ... ACCG Retirement Services, is a Georgia-based company that provides quality retirement services to Georgia’s local government employees. Our package of employee retirement programs includes: Our programs and expertise offer your employees opportunities to build more financially secure futures. Additionally, they enable you to attract and ... Contact ACCG Retirement Services; ACCG Retirement Services is Going Green; Defined Benefit Board of Trustees; Defined Contribution Board of Trustees; ACCG; ON-LINE ACCESS. On-Line Access to your Account; Access your 401(a) / 457(b) account Access your Pension account Access your personal retirement accounts; Plan Sponsors …ACCG Retirement Services goes beyond merely designing and implementing a rewarding retirement program for your county government. Our professional staff makes the plans we offer more valuable to you and your employees by making available the services highlighted below. ACCG Retirement Services representatives work with plan sponsors and ...Contact ACCG Retirement Services; ACCG Retirement Services is Going Green; Defined Benefit Board of Trustees; Defined Contribution Board of Trustees; ACCG; ON-LINE …Director of Retirement Services ACCG Dec 2014 - Present 9 years. Greater Atlanta Area Plans, directs, manages and supervises the activities of the retirement services program including the defined ...The normal contribution limit for elective deferrals to a 457 deferred compensation plan remains unchanged at $18,500 in 2018. Employees age 50 or older may contribute up to an additional $6,000, for a total of $24,600.ACCG Retirement Services make no warranties, expressed or implied, and hereby disclaim and negate all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, ACCG Retirement Services ...Learn how to defer some of your current compensation and receive it in the future with the 457 (b) Deferred Compensation Plan, a retirement plan exclusive to local government … Here's how to opt into paper statement deliver: Log into 401 (a)/457 (b) account by going to ACCGRetirement.org. Under profile, click Delivery Preferences. Chose Paper under the Statements header. cs. 24/7 On-Line Access // Phone Support // Dedicated Representative // Excellent Customer Service // Find your Representative. ACCG Retirement Services is a company that offers retirement plans for local government employees and their employers. You can access your account, find your representative, use financial calculators, and learn about the products and services they …All ACCG Retirement Services participants can access their account information by visiting www.accgretirement.org and clicking on the Participant Login button. Once you have entered the information, you will be able to: View detailed account information and balances. Change or realign investment elections. Change or realign fund balances.ACCG Retirement Services Profile and History. Our programs and expertise offer your employees opportunities to build more financially secure futures. Additionally, they enable you to attract and retain high-caliber employees and enhance your benefits package. Markets are uncertain, and market timing attempting to predict its "highs" and "lows ...Here's how to opt into paper statement deliver: Log into 401 (a)/457 (b) account by going to ACCGRetirement.org. Under profile, click Delivery Preferences. Chose Paper under the Statements header. cs. 24/7 On-Line Access // Phone Support // Dedicated Representative // Excellent Customer Service // Find your Representative.The normal contribution limit for elective deferrals to a 457 deferred compensation plan remains unchanged at $18,500 in 2018. Employees age 50 or older may contribute up to an additional $6,000, for a total of $24,600.Employees age 50 or older may contribute up to an additional $6,500, for a total of $26,000. Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a total of $39,000. Section 457 (b) Plan limits stand alone. IRA. The contribution limit for Traditional and Roth IRAs ...ACCG’s Member Services programs seek to provide diverse offerings designed to help counties maximize their efficiency and effectiveness. The association’s two leading …ACCG Retirement Services 191 Peachtree St. Suite 700 Atlanta, GA 30303. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual ...If a reasonable amount is deferred each pay period, employees can increase their retirement income by an amount equal to 5% to 35% of their final, pre-retirement earnings. Contribution Guidelines Regular Contribution - Employees with a 457(b) Deferred Compensation Plan can contribute 100% of their pay up to a maximum of $23,000 in 2024.As a Regional Client Manager for ACCG Retirement Services, Trey is responsible for helping public sector employees to understand their investment options, and assisting them in reaching their financial goals. Before joining the ACCG team in 2021, Mr. Johnson gained experience at 49 Financial, which is a comprehensive financial planning firm ...ACCG Retirement Services: Defined Benefit Pension Plan. The Defined Benefit Pension Plan may be used in conjunction with other retirement plans, as well as Social Security, as a source of income upon retirement. Considered the most traditional retirement plan, a defined benefit plan is also the most popular type of primary plan offered by local ...Contact ACCG Retirement Services; ACCG Retirement Services is Going Green; Defined Benefit Board of Trustees; Defined Contribution Board of Trustees; ACCG; ON-LINE ACCESS. On-Line Access to your Account; Access your 401(a) / 457(b) account Access your Pension account Access your personal retirement accounts; Plan Sponsors … All ACCG Retirement Services participants can access their account information by visiting www.accgretirement.org and entering their account access information. If you have logged in before, please enter your Login ID and Password. If you cannot recall your credentials, please select the Forgot login ID/ Forgot Password option. financial CENTER. ACCG Retirement Services specializes in providing personalized service through regional client managers. To schedule an appointment or phone consultation with the representative for your jurisdiction, click here. 24/7 On-Line Access // Phone Support // Dedicated Representative // Excellent Customer Service // Find your ...Employees age 50 or older may contribute up to $5,500 over the normal limit for a total of $23,000, and employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a total of $35,000.ACCG Retirement Services, is a Georgia-based company that provides quality retirement services to Georgia’s local government employees. Our package of employee retirement programs includes: Our programs and expertise offer your employees opportunities to build more financially secure futures. Additionally, they enable you to attract and ...The normal contribution limit for elective deferrals to a 457 deferred compensation plan increases to $19,500 in 2020. Employees age 50 or older may contribute up to an additional $6,500, for a total of $26,000.The normal contribution limit for elective deferrals to a 457 deferred compensation plan increases to $23,000 in 2024. Employees age 50 or older may contribute up to an additional $7,500, for a total of $30,500. My ACCG Pension Plan Portal. Username. Password. Forgot Username or Password? Site Registration. For first time users, please follow the site registrations process. To register, you will need your social security number. Here's how to opt into paper statement deliver: Log into 401 (a)/457 (b) account by going to ACCGRetirement.org. Under profile, click Delivery Preferences. Chose Paper under the Statements header. cs. 24/7 On-Line Access // Phone Support // Dedicated Representative // Excellent Customer Service // Find your Representative. ACCG Retirement Services: About Us During the extraordinary market growth of the 1990s, many investors forgot that "risk and return" is the foundation of the financial markets. Since the 2000’s however, investors have been brutally reacquainted with this market reality. The normal contribution limit for elective deferrals to a 457 deferred compensation plan remains unchanged at $18,500 in 2018. Employees age 50 or older may contribute up to an additional $6,000, for a total of $24,600. Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit ... The normal contribution limit for elective deferrals to a 457 deferred compensation plan increases to $18,000 in 2015. Employees age 50 or older may contribute up to an additional $6,000, for a total of $24,000. Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a ... ACCG Retirement Services: 457 (b) Roth Deferred Compensation Plan. A Roth Contribution Account under a 457 (b) Deferred Compensation Plan holds after-tax contribution plus earnings in a subaccount under the Plan. It allows employees to make after-tax contributions to the 457 Plan and under certain circumstances, to receive the … All ACCG Retirement Services participants can access their account information by visiting www.accgretirement.org and entering their account access information. If you have logged in before, please enter your Login ID and Password. If you cannot recall your credentials, please select the Forgot login ID/ Forgot Password option. Employees age 50 or older may contribute up to an additional $6,500, for a total of $26,000. Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a total of $39,000. Section 457 (b) Plan limits stand alone. IRA. The contribution limit for Traditional and Roth IRAs ... In 2024, the amount is an additional $7,500 maximum. Accessing Funds after Employment Termination. Unlike many other retirement plans, funds from the ACCG Retirement Services 457 (b) Deferred Compensation Plan are completely accessible. Employees may access their accounts without having to incur an early withdrawal penalty and may also … ACCG Retirement Services – is owned by ACCG. We organized in 2000 to: Expand the value of local, personal service given to all ACCG retirement programs by creating a new 457 (b) deferred compensation program and a companion 401 (a) defined contribution program. While the ACCG Retirement Services name is still relatively new, we think of ... All ACCG Retirement Services participants can access their account information by visiting www.accgretirement.org and entering their account access information.. If you have logged in before, please enter your Login ID and Password. Retirement (ACCG) | Dawson County, Georgia. 401 (a) Defined Contribution Plan / 457 (b) Deferred Compensation Plan. Dawson County will match up to 5% of your contribution to …Complete your retirement move with ease to your new apartment - with Churchill Retirement Living offering senior apartments in the UK. Contact ACCG Retirement Services; ACCG Retirement Services is Going Green; Defined Benefit Board of Trustees; Defined Contribution Board of Trustees; ACCG; ON-LINE ACCESS. On-Line Access to your Account; Access your 401(a) / 457(b) account Access your Pension account Access your personal retirement accounts; Plan Sponsors Access for Plan Sponsors FEATURES: - Use biometrics to log in conveniently and securely. - Check balances, portfolio performance, and recent transactions. - View and update investment elections. - …Contact ACCG Retirement Services; ACCG Retirement Services is Going Green; Defined Benefit Board of Trustees; Defined Contribution Board of Trustees; ACCG; ON-LINE ACCESS. On-Line Access to your Account; Access your 401(a) / 457(b) account Access your Pension account Access your personal retirement accounts; Plan Sponsors …ACCG Retirement Services 191 Peachtree St. Suite 700 Atlanta, GA 30303. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual ...Contact ACCG Retirement Services; ACCG Retirement Services is Going Green; Defined Benefit Board of Trustees; Defined Contribution Board of Trustees; ACCG; ON-LINE ACCESS. On-Line Access to your Account; Access your 401(a) / 457(b) account Access your Pension account Access your personal retirement accounts; Plan Sponsors … ACCG Retirement Services, is a Georgia-based company that provides quality retirement services to Georgia’s local government employees. Our package of employee retirement programs includes: Our programs and expertise offer your employees opportunities to build more financially secure futures. Additionally, they enable you to attract and ... financial CENTER. ACCG Retirement Services specializes in providing personalized service through regional client managers. To schedule an appointment or phone consultation with the representative for your jurisdiction, click here. cs. 24/7 On-Line Access // Phone Support // Dedicated Representative // Excellent Customer Service // Find your ... ACCG Retirement Services: Important Password Information Important Notice In an ongoing effort to provide great service to our customers, we are improving your online security by implementing stricter accgretirement.org password guidelines. The normal contribution limit for elective deferrals to a 457 deferred compensation plan increases to $19,000 in 2019. Employees age 50 or older may contribute up to an additional $6,000, for a total of $25,000.Bartow County was created in 1832 as "Cass County" to honor General Lewis Cass of Michigan. When the General's views on abolition proved an embarrassment to the Confederate populace in 1861, they took steps to rename it to honor General Francis S. Bartow who led victorious Southern forces at the first battle of Manassas.Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a total of $41,000. Section 457 (b) Plan limits stand alone. IRA. The contribution limit for Traditional and Roth IRAs remains at $6,000 in 2022. Employees age 50 or older are eligible to contribute an additional ...ACCG Retirement Services: 401(a) Defined Contribution Plan. The 401 (a) Defined Contribution Plan is the second most popular primary plan. The 401(a) Defined Contribution Plan is very similar to the 401(k) pension plan offered by many businesses. Such plans can provide retirement benefits equal to 15% to 35% of an employee’s final, pre ... ACCG Retirement Services – is owned by ACCG. We organized in 2000 to: Expand the value of local, personal service given to all ACCG retirement programs by creating a new 457 (b) deferred compensation program and a companion 401 (a) defined contribution program. While the ACCG Retirement Services name is still relatively new, we think of ... What is retirement living? Independent living. Facilities at our lodges. Feel safe and secure. Is retirement living for you? What is the cost of retirement living? Retirement living for …Cherokee County Retirement Plans. Click on the images below to learn more. *For additional information regarding the Pension Plan, review the videos on the County's …GEBCorp, an ACCG Company, is a Georgia-based company that provides quality retirement services to Georgia's local government employees. Our package of employee retirement programs includes: Defined Benefit Plans 401(a) Defined Contribution Plans 457(b) Deferred Compensation Plans Our programs and expertise offer your employees …ACCG Retirement Services 191 Peachtree St. Suite 700 Atlanta, GA 30303. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual ... ACCG Retirement Services: Important Password Information Important Notice In an ongoing effort to provide great service to our customers, we are improving your online security by implementing stricter accgretirement.org password guidelines. Retirement (ACCG) 401(a) Defined Contribution Plan / 457(b) Deferred Compensation Plan. Dawson County will match up to 5% of your contribution to your 457(b) Deferred Compensation Plan. Full time employees are eligible for the 5% county match upon the completion of ninety (90) days of continuous employment with Dawson County.ACCG Retirement Services, is a Georgia-based company that provides quality retirement services to Georgia’s local government employees. Our package of employee retirement …The Gwinnett County Public Employees Retirement System was created by resolution of the Board of Commissioners on September 19, 2006. It is governed by the Retirement Plans Management Committee (RPMC), the successor board of trustees to the ACCG DB Pension Board of Trustees, in accordance with the Gwinnett County Master Trust … When it comes to planning for retirement, people often have many questions. ACCG Retirement Services works with local governments to develop retirement plans that give employees the flexibility to prepare for and secure the lifestyle that each of them has worked so hard to establish. Retirement plans are customized for each local government ... Three primary corporate values continuously guide ACCG Retirement Services behavior and activities. Only by achieving and maintaining these can we earn an extraordinarily high level of trust with our clients and their employees. • Premier Customer Service. Do what is right for the customer. Empathize, inform and educate. • Operational ...
The normal contribution limit for elective deferrals to a 457 deferred compensation plan increases to $23,000 in 2024. Employees age 50 or older may contribute up to an additional $7,500, for a total of $30,500.. Southwestnb
ACCG Retirement Services 191 Peachtree St. Suite 700 Atlanta, GA 30303. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual ... ACCG Retirement Services: 457 (b) Roth Deferred Compensation Plan. A Roth Contribution Account under a 457 (b) Deferred Compensation Plan holds after-tax contribution plus earnings in a subaccount under the Plan. It allows employees to make after-tax contributions to the 457 Plan and under certain circumstances, to receive the accumulated ... Bartow County was created in 1832 as "Cass County" to honor General Lewis Cass of Michigan. When the General's views on abolition proved an embarrassment to the Confederate populace in 1861, they took steps to rename it to honor General Francis S. Bartow who led victorious Southern forces at the first battle of Manassas.ACCG Retirement Services 191 Peachtree St. Suite 700 Atlanta, GA 30303. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual ...ACCG Retirement Services: Important Password Information Important Notice In an ongoing effort to provide great service to our customers, we are improving your online security by implementing stricter accgretirement.org password guidelines.ACCG Claims 191 Peachtree Sreet NE, Suite 700 Atlanta, GA 30303 877.421.6298 Toll-Free 404.614.2553 Local; Claims Administration Services. ...The National Association of Counties (NACo) and ACCG have proudly partnered to provide all Georgia counties with a free flag retirement box for county residents to deposit flags that are no longer in good condition. The custom boxes will begin shipping to counties in mid-December. “Many of our residents are unsure how to care for the U.S ...The annual compensation limit for Employees in 2017 is $270,000 for all Plans. Therefore, a specified Plan contribution rate cannot be applied to compensation over that limit. 401 (a) The total contribution limit for 401 (a) defined contribution plans under section 415 (c) (1) (A) increases to $54,000 in 2017.ACCG Retirement Services: 401 (a) Defined Contribution Plan. The 401 (a) Defined Contribution Plan is the second most popular primary plan. The 401 (a) Defined Contribution Plan is very similar to the 401 (k) pension plan offered by many businesses. Such plans can provide retirement benefits equal to 15% to 35% of an employee’s final, pre ... Employees age 50 or older may contribute up to an additional $6,500, for a total of $26,000. Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a total of $39,000. Section 457 (b) Plan limits stand alone. IRA. The contribution limit for Traditional and Roth IRAs ... ACCG Retirement Services 191 Peachtree St. Suite 700 Atlanta, GA 30303. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual ...Retirement (ACCG) | Dawson County, Georgia. 401 (a) Defined Contribution Plan / 457 (b) Deferred Compensation Plan. Dawson County will match up to 5% of your contribution to …Employees age 50 or older may contribute up to an additional $6,500, for a total of $26,000. Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a total of $39,000. Section 457 (b) Plan limits stand alone. IRA. The contribution limit for Traditional and Roth IRAs ...Working for ACCG @ GEBCorp Retirement Services was very pleasant and easy-going. The co-workers are easy to get along with and very knowledgeable. In addition the pay and benefits are fantastic! Cons. Because GEBCorp is relatively small (less than 50 people) there is very little to no room for advancement whatsoever.ACCG Retirement Services offers personal, face-to-face service and program flexibility for local government clients. Learn about their guiding principles, corporate … Three primary corporate values continuously guide ACCG Retirement Services behavior and activities. Only by achieving and maintaining these can we earn an extraordinarily high level of trust with our clients and their employees. • Premier Customer Service. Do what is right for the customer. Empathize, inform and educate. • Operational ... .