Management & Advisory Service Plans

Investment
Review

A review of all the investment fund options offered by your plan provider
- (Equity & Fixed Income)
A review of your current portfolio of investment fund elections.
- (Equity & Fixed Income)
A review of your client evaluation form to assess your risk tolerance & time horizon.
- (You will receive this form in an email after purchasing an advisory or management plan.)
Please Note: The Investment Review is included in the Advisory Service & Management Service Packages.

Following the Investment Review process (included in this plan), recommendations will be made to you for changes to your current investment elections.
- Example -Your plan provider may automatically start you in fund A & B or you may have chosen them and we may recommend changing to funds C, D, E & F.
  - We will provide you with the reasons for the advised changes to your current portfolio.
Recommendations will be made to you for investment direction of your future contributions.
- Example - You may be contributing 5% of your paychecks bi-monthly to your account and half goes to fund A & the other half to fund B. We may recommend 30% to fund C & D and 20% to fund E & F.
  - We will provide you with the reasons for the advised % changes to future contributions.
Please Note: The advisory service plan requires you to physically make the changes in your account that we recommend to you.
- If you want us to do the changes in your plan for you, please choose the advisory & management plan.
This plan is only a one time fee! Then you are eligible for the Check-up & Rebalance plan going forward.

Following the Investment Review process (included in this plan), recommendations and changes will be made to your current investment elections.
- Example -Your plan provider may automatically start you in fund A & B or you may have chosen them and we will make the recommended transfer into funds C, D, E & F for you.
  - We'll provide you with the reasons for the changes we make to your current portfolio.
Recommendations and changes will be made to the investment direction of your future contributions.
- Example - You may be contributing 5% of your paychecks bi-monthly to your account and half goes to fund A & the other half to fund B. We may recommend and change it to 30% for fund C & D and 20% for fund E & F.
  - We will provide you with the reasons for the % changes we make in allocating of future contributions.
Please Note: In the management service plan, we make all of the investment recommendations and the changes for you within your account.
- If you want to just get advice and make the changes yourself to your account, please choose the advisory service.
This plan is only a one time fee! Then you are eligible for the Check-up & Rebalance plan going forward.

This plan involves a Check-up of your current investment elections combined with taking into consideration current market conditions.
Recommendations or adjustments will be made to Rebalance your current investment elections and adjust your future contribution allocations.
Please Note: AFTER purchasing the Advisory Service or Management Service, you will be eligible for the Check-up & Rebalance Service going forward.
- We recommend this service every 4-6 months.

We will email you an Investment Questionnaire.
- Please fill it out and submit it.
We will review your Questionnaire and then contact you to discuss your investment plan.
- We look forward to helping you!

For first time customers - you have two options:
- Advisory Service - (Includes Investment Review) - We tell you which funds to select, what % to allocate to each fund & what % to allocate to future contributions; you input all the selections into your plan.
- Management Service - (Includes Investment Review) - We log into your plan for you, select the appropriate funds, allocate a certain % to each fund and allocate a certain % to future contributions.

Returning customers only need to purchase the Check-up and Rebalance Plan going forward.
- If you initially purchased the advisory service, we will do a check-up on how your funds are doing and give you the rebalancing recommendations to input yourself
- If you initially purchased the management service, we will do a check-up on how your funds are doing and also log into your plan and rebalance it for you