Your Journey Toward Retirement

1. Your Journey Toward Retirement Insert Your Logo HERE

2. About Retirement Plan Consultants LLC We are a coordinated team of trusted, experienced professionals working toward your success!

3. About Your Financial Advisor • Insert Background about your firm or yourself

4. Highlights of Your Organization’s Retirement Plan

5. Eligibility • Who Is Eligible for the Plan? • You can join the Plan when you are [insert age] or older and have completed [insert years] of service. • There are no age requirements for participation, and all full- and part-time employees are eligible. • When Can I Enter the Plan? • If you are an eligible employee, you can join the Plan on the following entry dates: [insert dates] • You can join the plan upon meeting eligibility requirements.

6. Enrollment • How Do I Enroll in the Plan? • You can enroll by completing an enrollment form and returning it to [insert location] or you may complete enrollment online (contact RPC to setup this feature). • If you do not wish to participate in the Plan, you must opt out of it in writing by [insert instructions].

7. Contributions • How Much Can I Contribute to the Plan? • You may contribute between [insert limits] of your before-tax pay in [insert current year]. • You may contribute up to [insert current limit] or 100% of your salary, whichever is less. • If you are 50 years or older, you can also make “catch-up” contributions of up to[insert current limit] . • You have the option of deciding whether to salary defer all or any part of your employer bonus. • You may contribute a portion of your wages to a Roth account. These contributions are on an after-tax basis, but withdrawals at retirement including earnings are tax-free. [Remove if plan doesn’t allow ROTH]

8. Contributions • Will My Employer Contribute to My Account? • Your employer has decided to contribute an employer contribution that is [insert match or non-elective amount discretionary] . • [Insert if plan is Non Elective: This amount will be contributed to you even if you do not defer a portion of your salary.] • The contribution is allocated to your account by your company on an [insert per pay period, quarterly or annual] basis. • This amount [choose is/is not] subject to a vesting schedule.

9. Contributions • Remove this slide if Profit Sharing does not apply • Will My Employer Contribute to My Account? • Your employer may decide to make a discretionary Profit Sharing Contribution to be determined annually by the following formula [select one]: • Pro Rata: Profit-Sharing Contributions are allocated based on your compensation level. • Integrated: Profit Sharing Contributions are allocated based on your compensation level up to the Social Security taxable wage base with an additional allocation for any wages above that limit. • Cross-Tested: Profit Sharing Contributions are allocated based on age or years of service.

10. Contributions • Vesting Schedule • Vesting means ownership of your account. You are always 100% vested in your contributions, your employer safe harbor contributions and the earnings on those contributions. This money is yours. • Your employer’s contributions are vested according to the following schedule: [Insert Vesting Schedule] • For vesting purposes, an employee must work amount hours in a calendar year to be credited with a year of vesting and [does/does not] need to be employed on the last day of the year.

11. Managing Your Money • How Will Contributions to My Account Be Invested? • Contributions are invested based on the investment options you select. • If you do not choose investments, your assets will be automatically invested in the [insert default investment]. • Can I Change the Amount I Am Contributing? • You can change the amount you are contributing [insert frequency] by completing the enrollment form and submitting it to your Plan Administrator.

12. Conversion process • When will this change take place? • Participant accounts will be converted in [insert MONTH] • A new election must be made for investments

13. Managing Your Money • How Can I Keep Track of My Account? • Call 877-800-1114 • Web site access at www.retirementplanconsultants.net • You will receive an account statement quarterly or on demand online

14. Access to Your Money • Can I Take Money Out of My Account? • You may be able to withdraw money in these events: • Retirement • Death • Permanent disability • Separation from service • Pre-retirement distribution • Hardship (Immediate and heavy financial need) [remove if not applicable] • In-service withdrawals

15. Access to Your Money • Remove this slide if Hardship withdrawals do not apply • What is a Hardship Distribution? • A Hardship distribution is for an immediate and heavy financial need as determined by the Plan Administrator. The following conditions qualify as a hardship: • Medical care for you, your spouse, & your children/dependents • Purchase of a principal residence • Tuition & related education fees for you, your spouse, & your children/dependents • To prevent the eviction of you from your principal residence • Burial/funeral expenses for your parents, spouse, & children/dependents • Repairs for damages to your principal residence that would qualify for the casualty deduction

16. Access to Your Money • What If I Leave? • You generally have several options: • Rollover to IRA or new plan, if allowed • Take vested balance in cash; Federal and State tax consequences and penalties apply • Leave money in, if your balance exceeds [insert cash out provision amount]. • Auto rollovers for balances between $[insert amount] and $[insert amount]

17. Access to Your Money • Remove this slide if Loans do not apply • Can I Borrow Money From My Account? • Maximum of 50% of your vested balance, up to $50,000 limit • The interest rate charged is the Prime Rate + amount % • Loans must be repaid within 5 years • The minimum loan amount is $1,000 • The maximum number of loans outstanding is amount • Spousal consent is required to obtain a loan • Review Summary Plan Description for details • Loan modeling calculators are available

18. Additional Information • This company plan is intended to meet the conditions of 29 CFR 2550.404c-1. What this means is that the plan is designed to comply with Section 404(c) of the Employee Retirement Security Act of 1974 (ERISA), as amended. • Participants in the plan manage their own investment accounts by directing account contributions to one or more of the investment alternatives provided by the Plan. • As a plan participant, you will be responsible for your own investment decisions. • Plan fiduciaries may be relieved of liability for any losses in your account that can be attributed to decisions made by you or your beneficiary(ies). • [insert Name] is the name of the Financial Advisor. Information about the plan’s investments should be directed to [insert contact information here].

19. Additional Information • At your request, you may receive specific information about: • The Plan’s investment alternatives including: • a description of annual operating expenses; • copies of any prospectuses, financial statements and reports; • and details about the value, historical performance, and portfolio composition of each investment alternative. To request these materials, pleaselogin into the website.

20. Insert Fund/Model Specific Information

21. Financial Planning Basics

22. ROTH (post-tax) versus Deductible (pre-tax) • The advantage of funding a Roth • Assumptions: Retire at age 65, Date of Death at 90, 7% annual return on investments, 20% Tax Rate and you don’t resave the tax savings.

23. Basic financial planning • Do you need (or update) a will, guardianship on children, power of attorneys. • Any update needed on beneficiaries? • Are you striving to get the full company match? • After you get the full company match consider a ROTH. • Did you cover your risks? Term life, disability, long term care. • Did you refinance your debt?

24. Thanks for listening! Any questions…..