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,EXHIBIT A=1 <br />A� 16 <br />all <br />Add ressi ng the needs of retirement pla n pa rtici pa nts by givi ng <br />them the tools to take action to secure their financial future <br />Why OfferPlanning Services? <br />Keeping costs low and having prudent <br />investment options can only get your <br />participants so far. Many participants <br />need help answering the basic <br />questions, like: <br />• Am I saving enough to retire when <br />I'm ready? <br />• Should I contribute to a Roth? <br />• Have I allocated my account <br />properly? <br />• What does my entire financial picture <br />look like? <br />That is why we developed Personal <br />Financial Strategies (PFS). To help <br />participants answer their personal <br />questions and provide them with an <br />action plan customized to their needs <br />and goals. <br />What The PFS Program Offers - <br />Identify financial goals and <br />objectives <br />Z Assist with establishing a budget <br />Develop and understand full <br />financial picture <br />Create a customized action <br />plan with recommendations <br />on savings rate and portfolio <br />allocation <br />• Advice provided in a fiduciary capacity. <br />• Will not solicit assets to leave the <br />retirement plan. <br />• Do not sell products or receive any <br />commissions. <br />• Program offered through our team of <br />Certified Financial Planners" <br />