401(k) Advisors service model starts with a Fiduciary Fitness program, Including a Fiduciary Investment and plan review and providor benchmarking analysis. Our RFP and provider search process is second to none where we gather over 300 data points on each provider and provide a detailed breakdown of Fees, Fund performance, and service. Our propriatery investment scorecard system takes in to account, Investment style, risk, peer group ranking, and qualitative analysis to help plan sponsors provide the necessary investment due dilligence to satisfy their fiduciary compliance obligations.

1. Measurably Different™ Overview of Services Creating Successful Retirement Plan Experiencesfor Employers and Employees presented by Bret G. Dudl, Senior Plan Consultant BretD@401kadvisors.com © 2011 401(k) Advisors. All rights reserved. 120 Vantis, Suite 400 • Aliso Viejo, CA 92656 | 949.460.9898 | 800.959.0071 | 949.460.9893 fax Securities offered through Financial Telesis, Inc. Investment Advisory Services offered through 401(k) Advisors. Financial Telesis, Inc. is not an affiliate of 401(k) Advisors.

3. A subsidiary of National Financial Partners (NYSE: NFP), a network of over 150 Independently Managed Financial Advisory Firms in the United States

4. Recognized by several trade publications and third parties for our industry leadership

5. Delivers Investment Due Diligence, RFP Provider Analysis, and Operational Support to over 250 retirement consulting firms across the United States representing in excess of $40 billion

6. Headquartered in Orange County, CA with multiple offices nationwideWe are dedicated specialists focused solely on delivering retirement plan consulting services!

7. 2 Representative Client List

8. 3 Representative Client List (cont.)

9. 4 401(k) Advisors Service Model BestIn Class High-touch Education delivering a roadmap to retirement Prepared Participants Fiduciary Plan Review and ERISA Compliance Guidelines Protected Fiduciaries Our Consulting Services Client and Participant Outcomes Independent Investment Due Diligenceto enhance investment opportunities Top-Tier Investment Opportunities Independent Benchmarking Analysis balancing costs, services & investment opportunities Exceptional Service Provider Addressing Your Goals Plan Design Consulting Plan Design Aligned with Employer Philosophy Fiduciary Fitness Program

10. 5 401(k) Advisors Service Structure OperationsDepartment Investment Department ERISA Department RFP Analysis Department Plan Consultant Plan Fiduciaries Best in Class Retirement Plan Plan Participants Communication Specialists Individual Investment Advice Department FinancialConsulting Department Bi-Lingual Department Investment Department

11. 6 Service Plan: Your Roadmap At the start of each relationship we set goals and objectives via a written Service Plan. We then track the timing and frequency of each service delivered and post all deliverables on our secure plan sponsor portal.

12. Fee Benchmarking and Provider Searches “Benchmarking plan provider services, investment opportunities and total plan fees can overwhelm even the most diligent plan sponsor. 401(k) Advisors shoulders the responsibility of a thorough market analysis, offering guidance and support throughout the process.”

14. Meets fiduciary obligation to ensure competitiveness within the marketplace

15. Improves decision-making for choosing a new plan provider

16. Proprietary database of 40+ Tier 1 Providers

19. Side by Side comparison for a thorough perspective

20. Employs Quantitative and Qualitative metricsRecordkeeping TechnologyServices Costs Retirement Plan Investment Management EmployeeCommunications Compliance

21. 11 12-b1 Fees Shareholder Servicing Fees Investment Management Fee Sub-TA (Agency Transfer Fees) Revenue Sharing 12-b1: Distribution expenses paid by mutual funds from fund assets. Includes commissions to brokers, marketing expenses and other administrative services. Investment Management: Fees for managing investment assets. Charged as a percentage of the assets invested and deducted from the investment return. Shareholder Servicing: Revenue shared by the mutual fund company with the service provider. Asset / Wrap Fee: Additional fees layered on top of total investment fees. Sub-TA: Brokerage firms and mutual funds often contract recordkeeping and other services related to participant shares to a third party called a sub-transfer agent.

23. Integrated Investment Platform Rankings for Clearer AnalysisSample Report Excerpts

24. Investment Analysis “Choosing and monitoring the appropriate investments offered in your plan is a serious fiduciary task, as it can impact a participant’s retirement experience. 401(k) Advisors provides independent investment analysis to assist you with this important responsibility.”

25. 14 Program Structure Our proprietary ScorecardSM System provides a proven process to monitor and evaluate fund managers and investment strategies. Powered by Quantitative Metrics Investment Universe (20,000+ investments) Investment Policy Statement Investment Menu = + Qualitative Metrics An institutional approach which is comprehensive and independent, utilizing a well-documented process and methodology.

26. 15 Scorecard – Evaluation Criteria The ScorecardSM ranking evaluates investments on a scale of 0 to 10 in core asset classes, including asset allocation investments. Qualitative Factors Quantitative Factors 30% Style Factors 20% Qualitative Ranking 30% Risk/Return Factors 20% Peer Group Ranking 7. Returns 8. Information Ratio 9 &10. Awarded for factors as Manager Tenure and fund expenses, among other criteria 1. Style Analysis 2. Style Drift 3. R-Squared 4. Risk/Return 5. Up/Down Capture 6. Information Ratio

27. 16 Independent Investment Due Diligence The Fiduciary Investment Review includes recommendations for fund additions, deletions and replacements. Sample Scorecard Report Excerpts Scorecard Point System Good 9-10 Points Acceptable 7-8 Points Watch List 5-6 Points Poor 0-4 Points

29. ScorecardSM System for Fund Ranking

30. Asset Allocation Fund Monitoring

31. Investment Analysis Reports

32. Investment Policy Statement

34. 19 Fiduciary Fitness Program The Fiduciary Fitness Program (FFP) is an independent compliance tool to measure the health of a retirement plan. Our program provides resources as a means to identifying potential weaknesses in your plan and remedy through education, diligence and process. Program Components: Fiduciary Report Card Client Reference Guide Fiduciary Plan Review Demonstrates what plan sponsors and fiduciaries need to address and documents plan management responsibilities. Educates fiduciaries regarding their responsibilities, examines plan design, and documents prudent processes. Graphs, charts and checklists provide easy to understand technical guidance for the completion of action items contained on the Report Card.

36. Provides fiduciary gap analysis

37. Prioritizes fiduciary responsibilities

38. Establishes roadmap for fiduciary education and completion of outstanding tasks

39. Documents plan management responsibilities

40. “Reference Materials”

41. Reference Guide

42. Education Modules

43. “Comments” section documents completion & location of “Responsibilities”Fiduciary Report Card

45. Charts participation, deferral rates and plan performance

46. Benchmarking of Total Plan Cost

47. 404(c) Notice and Statement

48. Compliance Checklist

49. Fiduciary File Checklist

50. Investment Committee Charter

52. Flow charts

53. Checklists

54. Sample responses

55. Helps to complete the Fiduciary Report Card and addresses day-to-day fiduciary questionsReference Guide

58. Virtual filing system includes meeting summaries, newsletters, compliance documentation and morePassword-protected loginfrom landing page

59. 25 Best Practices Approach Fiduciary Report Card B3 Provider Analysis exceptional service provider Fiduciary Investment Review top-tier investment opportunities RFP Vendor Analysis & Benchmarking Investment Due Diligence Fiduciary Fitness Program Employee Education High-touch Education prepared participants Fiduciary Plan Review protected fiduciaries Best in Class Retirement Plan

60. Education & Communication “401(k) Advisors delivers proactive consulting solutions that are comprehensive, compelling and technically proficient. As a result, participants are better informed about asset allocation and risk tolerance, and most importantly, better prepared for retirement.”

62. Nearly one-third of participants over age 55 have less than $25,000 in retirement savings

63. 53% of all participants have not done a retirement needs calculationAverage Annual Return(1986-2007) Source: Dalbar, Inc. Quantitative Analysis of Investor Behavior, 2006 4.48% 3.04% 11.81%

64. 28 Service Solutions Group and Individual Education Meetings Employee Communication Strategies 401(k) Advisors maximize benefits for plan participants! Asset Allocation and Investment Guidance Financial Planning Bi-lingual Consultants Education Modules & Employee Memos

66. Each newsletter includes Sample Employee Memos that you can print and distribute to employees

67. Contributing writers and editors represent a staff of one dozen professionals with average industry tenure >10 yearsSample Client Newsletter and Employee Memo

68. Closing “401(k) Advisors helps to protect plan fiduciaries from liability, while enhancing investment opportunities and helping participants achieve financial security. We are proud of our commitment to excellence, and invite you to see for yourself how our services make retirement plans better.”

70. Maximize benefits for plan participants

71. Promote understanding

72. Protect fiduciaries from financial loss

73. Ensure plan efficiency and compliance

74. Minimize total plan cost