Investment Performance

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PERFORMANCE UPDATE  
 
664680 MULTNOMAH COUNTY 457B  
 
Average Annual Total Returns as of 10/31/2022    (shown in percentages)  

 Variable annuities and mutual funds offered through a retirement plan are intended as long-term investments designed for retirement purposes. Money distributed from a 403(b) plan, 401(a)/(k) plan, or a 457 plan will be taxed as ordinary income in the year the money is distributed. Early withdrawals from a 403(b) plan and a 401(a)/(k) plan, if taken prior to age 59 1/2, will be subject to the IRS 10% premature distribution penalty tax, unless an exception applies. This IRS premature distribution penalty tax does not apply to 457 plans. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than the original amount invested. 

 The performance data quoted represents past performance.  Past performance does not guarantee future results.  For month-end performance which may be lower or higher than the performance data shown please call 800-584-6001.  Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost.  

 The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. 

 You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing.  The prospectus contains this and other information.  Anyone who wishes to obtain a free copy of the fund prospectuses may call their Voya representative or the number above.  Please read the prospectus carefully before investing. 

 Returns less than one year are not annualized.  Fund Inception Date is the date of inception for the underlying fund, and is the date used in calculating the periodic returns.  This date may also precede the portfolio's inclusion in the product. 


 Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr10-Yr InceptFund Inception Date Gross Fund Exp %* Net Fund Exp %* 
Stability of Principal   
   Stable Value 
T. Rowe Price Stable Value Common Trust Fund - Class Q CIT - QK76 0.160.481.461.771.972.082.0809/12/19880.18 0.18  
Bonds   
   Inflation-Protected Bond 
PIMCO Real Return Fund - Institutional Class - 2695 1.59-8.03-12.82-11.561.372.130.9501/29/19970.47 0.47  
   Intermediate Core Bond 
Vanguard� Intermediate-Term Bond Index Fund - Institutional - 2207 -0.89-8.24-15.61-15.42-3.42-0.091.1101/26/20060.05 0.05  
   Intermediate Core-Plus Bond 
PIMCO Total Return Fund - Institutional Class - 544 -1.62-8.41-16.97-16.78-3.78-0.580.8605/11/19870.46 0.46  
   World Bond 
Vanguard� Total International Bond Index Fund-Admiral™ Sh - 6552 0.43-5.98-12.50-12.20-3.88-0.061.6805/31/20130.11 0.11  
Asset Allocation   
   Lifecycle - Index 
TIAA-CREF Lifecycle Index 2020 Fund - Institutional Class - 7444 (1)(2)2.53-7.26-16.83-16.281.813.455.8309/30/20090.19 0.10  
TIAA-CREF Lifecycle Index 2030 Fund - Institutional Class - 7447 (1)(3)3.58-7.46-18.28-17.572.934.347.2109/30/20090.18 0.10  
TIAA-CREF Lifecycle Index 2040 Fund - Institutional Class - 7456 (1)(4)4.99-7.37-19.41-18.594.225.288.4509/30/20090.17 0.10  
TIAA-CREF Lifecycle Index 2050 Fund - Institutional Class - 7458 (1)(5)5.63-7.53-20.24-19.334.995.808.8309/30/20090.17 0.10  
TIAA-CREF Lifecycle Index 2060 Fund - Institutional Class - 7460 (1)(6)5.80-7.54-20.36-19.415.205.957.1209/26/20140.20 0.10  
TIAA-CREF Lifecycle Index 2065 Fund - Institutional Class - E655 5.91-7.47-20.37-19.353.5909/30/20202.08 0.10  
TIAA-CREF Lifecycle Index Retire Income Fund - Inst Class - 7462 (1)(7)2.08-7.05-15.76-15.291.212.894.4309/30/20090.22 0.10  
Balanced   
   Allocation--50% to 70% Equity 
Janus Henderson Balanced Fund - Class N Shares - 3624 3.94-6.56-17.75-15.554.937.128.5009/01/19920.57 0.57  
Large Cap Value/Blend   
   Large Blend 
Vanguard� FTSE Social Index Fund - Institutional Shares - 1215 6.66-7.69-23.12-20.679.0310.1413.4712/15/20060.12 0.12  
Vanguard� Institutional Index Fund - Institutional Shares - 566 8.09-5.87-17.73-14.6410.1910.4112.7607/31/19900.04 0.04  
   Large Value 
American Century Equity Income Fund - R6 Class - 6298 7.59-1.97-5.04-2.595.666.799.6903/07/19970.59 0.59  
Invesco Diversified Dividend Fund - Class R6 - 3697 10.290.40-2.82-0.586.936.779.8412/31/20010.43 0.43  
Large Cap Growth   
   Large Growth 
T. Rowe Price Large-Cap Growth Fund - I Class - 2467 5.01-9.00-31.81-31.497.979.9514.8810/31/20010.55 0.55  
Small/Mid/Specialty   
   Mid-Cap Blend 
Vanguard� Mid-Cap Index Fund - Institutional Shares - 1197 8.51-5.10-19.07-18.048.008.1111.4905/21/19980.04 0.04  
Vanguard� Strategic Equity Fund - Investor Shares - 1046 11.60-1.64-11.63-9.4210.708.0412.2208/14/19950.17 0.17  
   Mid-Cap Growth 
BlackRock Mid-Cap Growth Equity Portfolio - Class K - C489 3.97-13.48-37.41-40.023.278.2313.5012/27/19960.70 0.70  
   Mid-Cap Value 
Virtus Ceredex Mid-Cap Value Equity Fund - Class R6 - 6975 (8)7.61-5.25-17.30-13.794.286.469.9711/30/20010.85 0.79  
   Small Blend 
Vanguard� Small-Cap Index Fund - Institutional Shares - 1198 9.92-3.18-16.12-16.957.787.0610.7807/07/19970.04 0.04  
   Small Growth 
Janus Henderson Triton Fund - Class N Shares - 3065 8.23-5.59-22.95-23.634.166.0311.3602/28/20050.66 0.66  
   Small Value 
Vanguard� Small-Cap Value Index Fund - Institutional Shares - 7187 12.03-1.90-8.98-7.379.166.6410.7912/07/19990.06 0.06  
   Specialty - Real Estate 
Nuveen Real Estate Securities Fund - Class R6 - 6321 (9)3.12-14.50-25.45-19.17-1.133.996.6609/29/19950.89 0.83  
Global / International   
   Diversified Emerging Mkts 
GQG Partners Emerging Markets Equity Fund - Class R6 Shares - F650 1.86-5.86-21.89-23.402.261.825.9712/28/20160.98 0.98  
   Foreign Large Blend 
DFA International Core Equity Portfolio - Inst Class - 2875 5.98-9.60-22.05-22.240.29-0.194.7909/15/20050.24 0.24  
Vanguard� Developed Markets Index Fund - Admiral™ Shares - 6500 5.91-9.90-23.42-23.53-0.420.154.5208/17/19990.07 0.07  
   Foreign Large Growth 
Invesco Oppenheimer International Growth Fund - Class R6 - 9855 6.49-11.43-32.03-32.57-0.15-0.424.3809/07/20050.70 0.70  
   World Large-Stock Growth 
American Funds New Perspective Fund� - Class R-6 - 1899 4.59-9.17-28.29-28.616.677.1510.3803/13/19730.41 0.41  

 The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility. 
 Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks. 
 Some of the Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed. 
 High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities. 
 Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities. 
 *The Gross Expense Ratios shown do not reflect temporary fee or expense waivers that may be in effect for a fund. The Net Expense Ratios reflect any applicable temporary fee or expense waivers. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees/expenses listed had been reflected. 



PERFORMANCE UPDATE  
 
664680 MULTNOMAH COUNTY 457B  
 
Average Annual Total Returns as of 09/30/2022    (shown in percentages)  

 Variable annuities and mutual funds offered through a retirement plan are intended as long-term investments designed for retirement purposes. Money distributed from a 403(b) plan, 401(a)/(k) plan, or a 457 plan will be taxed as ordinary income in the year the money is distributed. Early withdrawals from a 403(b) plan and a 401(a)/(k) plan, if taken prior to age 59 1/2, will be subject to the IRS 10% premature distribution penalty tax, unless an exception applies. This IRS premature distribution penalty tax does not apply to 457 plans. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than the original amount invested. 

 The performance data quoted represents past performance.  Past performance does not guarantee future results.  For month-end performance which may be lower or higher than the performance data shown please call 800-584-6001.  Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost.  

 The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. 

 Returns less than one year are not annualized.  Fund Inception Date is the date of inception for the underlying fund, and is the date used in calculating the periodic returns.  This date may also precede the portfolio's inclusion in the product. 


 Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr10-Yr InceptFund Inception Date Gross Fund Exp %* Net Fund Exp %* 
Stability of Principal   
   Stable Value 
T. Rowe Price Stable Value Common Trust Fund - Class Q CIT - QK76 0.160.471.301.751.982.082.0809/12/19880.18 0.18  
Bonds   
   Inflation-Protected Bond 
PIMCO Real Return Fund - Institutional Class - 2695 -6.93-5.41-14.18-12.340.861.850.8701/29/19970.47 0.47  
   Intermediate Core Bond 
Vanguard� Intermediate-Term Bond Index Fund - Institutional - 2207 -4.32-4.77-14.86-15.23-3.010.111.2201/26/20060.05 0.05  
   Intermediate Core-Plus Bond 
PIMCO Total Return Fund - Institutional Class - 544 -4.32-4.83-15.60-15.66-3.14-0.301.0605/11/19870.46 0.46  
   World Bond 
Vanguard� Total International Bond Index Fund-Admiral™ Sh - 6552 -2.80-3.26-12.87-13.06-4.200.001.6405/31/20130.11 0.11  
Asset Allocation   
   Lifecycle - Index 
TIAA-CREF Lifecycle Index 2020 Fund - Institutional Class - 7444 (1)(2)-6.64-5.31-18.88-16.231.433.175.5009/30/20090.19 0.10  
TIAA-CREF Lifecycle Index 2030 Fund - Institutional Class - 7447 (1)(3)-7.48-5.81-21.10-17.752.343.936.7409/30/20090.18 0.10  
TIAA-CREF Lifecycle Index 2040 Fund - Institutional Class - 7456 (1)(4)-8.42-6.29-23.24-19.203.284.657.8109/30/20090.17 0.10  
TIAA-CREF Lifecycle Index 2050 Fund - Institutional Class - 7458 (1)(5)-9.02-6.53-24.50-19.973.905.058.1209/30/20090.17 0.10  
TIAA-CREF Lifecycle Index 2060 Fund - Institutional Class - 7460 (1)(6)-9.10-6.57-24.73-20.104.085.186.4409/26/20140.20 0.10  
TIAA-CREF Lifecycle Index 2065 Fund - Institutional Class - E655 -9.16-6.57-24.81-20.080.8109/30/20202.08 0.10  
TIAA-CREF Lifecycle Index Retire Income Fund - Inst Class - 7462 (1)(7)-6.14-5.06-17.48-15.280.902.664.1909/30/20090.22 0.10  
Balanced   
   Allocation--50% to 70% Equity 
Janus Henderson Balanced Fund - Class N Shares - 3624 -6.99-4.45-20.87-14.873.866.718.0109/01/19920.57 0.57  
Large Cap Value/Blend   
   Large Blend 
Vanguard� FTSE Social Index Fund - Institutional Shares - 1215 -9.43-5.16-27.91-20.097.709.3312.6612/15/20060.12 0.12  
Vanguard� Institutional Index Fund - Institutional Shares - 566 -9.21-4.89-23.89-15.508.149.2111.6707/31/19900.04 0.04  
   Large Value 
American Century Equity Income Fund - R6 Class - 6298 -6.20-4.33-11.74-5.563.265.438.8203/07/19970.59 0.59  
Invesco Diversified Dividend Fund - Class R6 - 3697 -7.23-4.48-11.89-6.133.624.848.8212/31/20010.43 0.43  
Large Cap Growth   
   Large Growth 
T. Rowe Price Large-Cap Growth Fund - I Class - 2467 -9.00-2.89-35.07-31.087.099.9313.8110/31/20010.55 0.55  
Small/Mid/Specialty   
   Mid-Cap Blend 
Vanguard� Mid-Cap Index Fund - Institutional Shares - 1197 -9.86-4.14-25.42-19.485.496.6610.4605/21/19980.04 0.04  
Vanguard� Strategic Equity Fund - Investor Shares - 1046 -9.49-2.60-20.82-14.817.276.1410.9108/14/19950.17 0.17  
   Mid-Cap Growth 
BlackRock Mid-Cap Growth Equity Portfolio - Class K - C489 -11.22-5.61-39.80-38.252.098.3312.7312/27/19960.70 0.70  
   Mid-Cap Value 
Virtus Ceredex Mid-Cap Value Equity Fund - Class R6 - 6975 (8)-9.40-4.70-23.15-15.322.144.949.0911/30/20010.85 0.79  
   Small Blend 
Vanguard� Small-Cap Index Fund - Institutional Shares - 1198 -9.56-2.60-23.68-20.734.995.389.5807/07/19970.04 0.04  
   Small Growth 
Janus Henderson Triton Fund - Class N Shares - 3065 -8.84-4.97-28.81-26.321.254.8410.3902/28/20050.66 0.66  
   Small Value 
Vanguard� Small-Cap Value Index Fund - Institutional Shares - 7187 -9.97-3.87-18.75-13.555.694.439.4812/07/19990.06 0.06  
   Specialty - Real Estate 
Nuveen Real Estate Securities Fund - Class R6 - 6321 (9)-11.84-10.11-27.70-15.75-1.583.246.2609/29/19950.89 0.83  
Global / International   
   Diversified Emerging Mkts 
GQG Partners Emerging Markets Equity Fund - Class R6 Shares - F650 -6.71-6.84-23.31-23.432.111.785.7212/28/20160.98 0.98  
   Foreign Large Blend 
DFA International Core Equity Portfolio - Inst Class - 2875 -9.96-10.44-26.45-24.46-0.44-1.044.3009/15/20050.24 0.24  
Vanguard� Developed Markets Index Fund - Admiral™ Shares - 6500 -9.96-10.44-27.69-25.53-1.26-0.634.0408/17/19990.07 0.07  
   Foreign Large Growth 
Invesco Oppenheimer International Growth Fund - Class R6 - 9855 -10.81-8.41-36.17-34.32-0.82-1.263.8609/07/20050.70 0.70  
   World Large-Stock Growth 
American Funds New Perspective Fund� - Class R-6 - 1899 -8.81-6.04-31.44-26.836.076.929.8503/13/19730.41 0.41  

 The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility. 
 Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks. 
 Some of the Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed. 
 High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities. 
 Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities. 
 *The Gross Expense Ratios shown do not reflect temporary fee or expense waivers that may be in effect for a fund. The Net Expense Ratios reflect any applicable temporary fee or expense waivers. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees/expenses listed had been reflected. 


ADDITIONAL NOTES 
(1) Each of the TIAA-CREF Lifecycle Funds is designed to provide a single diversified portfolio managed with a target retirement date in mind. The target date is the approximate date when investors expect to begin withdrawing money from the fund. Each portfolio invests in several underlying equity and fixed income funds offered by the TIAA-CREF Funds. The returns quoted represent past performance, which is no guarantee of future results. Returns and the principal value of your investment will fluctuate. Current performance may be higher or lower than that shown, and you may have a gain or a loss when you redeem your mutual fund shares.  

(2) TIAA-CREF Lifecycle Index 2020 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.008% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2021, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.092% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with the approval of the Board of Trustees. 

(3) TIAA-CREF Lifecycle Index 2030 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.022% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2021, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.078% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with the approval of the Board of Trustees. 

(4) TIAA-CREF Lifecycle Index 2040 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed 0.033% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2021, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.067% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with the approval of the Board of Trustees. 

(5) TIAA-CREF Lifecycle Index 2050 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed 0.038% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2021, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.062% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with the approval of the Board of Trustees. 

(6) TIAA-CREF Lifecycle Index 2060 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed (i) 0.039% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2021, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.061% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with the approval of the Board of Trustees. 

(7) TIAA-CREF Lifecycle Index Retire Income Fund - Inst Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed (i) 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2021, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.104% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with the approval of the Board of Trustees. 

(8) Virtus Ceredex Mid-Cap Value Equity Fund - Class R6: The fund's investment adviser has contractually agreed to limit the fund's total operating expenses (excluding certain expenses, such as front-end or contingent deferred sales charges, taxes, leverage and borrowing expenses (such as commitment, amendment and renewal expenses on credit or redemption facilities), interest, brokerage commissions, expenses incurred in connection with any merger or reorganization, unusual or infrequently occurring expenses (such as litigation), acquired fund fees and expenses, and dividend expenses, if any) so that such expenses do not exceed 0.79% for Class R6 Shares through April 30, 2022. Following the contractual period, the adviser may discontinue these expense reimbursement arrangements at any time. Under certain conditions, the adviser may recapture operating expenses reimbursed and/or fees waived under these arrangements for a period of three years following the date such waiver or reimbursement occurred, provided that the recapture does not cause the fund to exceed its expense limit in effect at the time of the waiver or reimbursement, or at the time of recapture. 

(9) Nuveen Real Estate Securities Fund - Class R6: The Fund�s investment adviser has agreed to waive fees and/or reimburse expenses through July 31, 2023 so that the total annual operating expenses of the Fund (excluding 12b-1 distribution and/or service fees, interest expenses, taxes, acquired fund fees and expenses, fees incurred in acquiring and disposing of portfolio securities and extraordinary expenses) do not exceed 0.97% of the average daily net assets of any class of Fund shares. However, because Class R6 shares are not subject to sub-transfer agent and similar fees, the total annual operating expenses for the Class R6 shares will be less than the expense limitation. This expense limitation may be terminated or modified prior to July 31, 2023 only with the approval of the Board of Directors of the Fund. 
 The chart shows the performance for each investment option for the time periods shown. 



Creation Date: Monday, November 28, 2022

Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I May Lose Value I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency

Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company, One Orange Way, Windsor, CT 06095-4774. Securities are distributed by Voya Financial Partners LLC (member SIPC). Custodial account agreements or trust agreements are provided by Voya Institutional Trust Company. All companies are members of the Voya ® family of companies. Securities may also be distributed through other broker-dealers with which Voya has selling agreements. Insurance obligations are the responsibility of each individual company. Products and services may not be available in all states.