Navigating the Retirement Plan Minefield

April 2015

TODAY’S

PRESENTERS

Michael ManoshSenior Vice PresidentFidelity Financial Advisor Solutions

Mark BrandExecutive Vice PresidentActuarial Consulting Services Inc.

TODAY’S AGENDA

1. Panel Introduction2. Building Financial

Futures3. Maximizing Your Plan

Design4. Sound Fiduciary

Process

Todd TevensRetirement Plan AdvisorLawley Courier Advisors

James RehakManaging DirectorLawley Courier Advisors

WHERE WE ARE TODAY

Our Retirement Plan Division provides service to over 100 plans ranging in size from start up plans to plans with over $60 million in assets

Overall, our company consults on plans with over $600 million of combined plan assets

KEY TRENDS IN THE RETIREMENT PLAN MARKET

Plan Benchmarking Process

Fee Disclosure RulesEmployee OutcomesFee-Based

Compensation

A FORMAL COMMITTEE STRUCTURE & MEETING PROCESS

Consultant role in committee oversight Prepare the agenda Facilitate the meeting Document the

minutes Communicate

outstanding action items

A FORMAL COMMITTEE STRUCTURE & MEETING PROCESS

Role of the committee members Review the minutes Follow the guidelines specified in the Investment

Policy Statement Make decisions regarding investments in the plan Monitor the performance of service providers

A FORMAL COMMITTEE STRUCTURE & MEETING PROCESS

Your meeting agenda Based on your goals Topics of interest to

each committee member

A FORMAL COMMITTEE STRUCTURE & MEETING PROCESS

A typical meeting covers the following topics: Review previous meeting’s minutes Provide an update on the economy and markets Review the performance of plan investments

including funds on the watch list Present plan trends Update and review the fiduciary checklist

A FORMAL COMMITTEE STRUCTURE & MEETING PROCESS

Additional topics reviewed once per year:Review of the plan’s Investment Policy Statement Review of service provider fees and services Committee governance process review Fiduciary training and education

KEY QUESTIONS TO ASK YOURSELF AS A PLAN SPONSOR

• When was the last time you did a comprehensive retirement plan review?

• Do you document your plan review process?

• Do you have an Investment Policy Statement?

• Are you satisfied with the level of service you receive from your current retirement plan providers?

• Do you hold regular education meetings?

• Have you benchmarked your plan?

LCA MISSION STATEMENT

Lawley Courier Advisors will be recognized as a leading Retirement Plan

Advisory firm by providing plan sponsors with a robust plan governance process, appropriate plan design,

and comprehensive participant education that

improves employee retirement outcomes.

DISCLOSURE

Lawley-Courier Advisors, LLC (“LCA”) is a registered investment adviser with the Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. LCA may only transact business or render personalized investment advice in those states and international jurisdictions where registered, notice filed or otherwise excluded or exempted from registration requirements. Any communications with prospective clients residing in states or international jurisdictions where LCA is not registered or licensed shall be limited so as not to trigger registration or licensing requirements. LCA is not affiliated with The National Association of Plan Advisors.

The information herein has been provided for informational purposes only, and is not intended to serve as investment advice or as a recommendation for the purchase or sale of any security. All investments involve risk, including loss of principal invested. Past performance does not guarantee future performance. While some of the information herein has been obtained from third-party sources which LCA believes to be reliable; LCA cannot and does not guarantee the accuracy, adequacy or completeness of any such information. The information provided reflects the views of the authors as of a particular time and are subject to change at any time without notice.

THANK YOU

Lawley Courier Advisors