Schaedler Yesco Distribution Inc. 401(k) Plan Your Financial Wellness – How to do a Check-up on Your 401(k) Account

2 Conrad Siegel Actuaries  Harrisburg based benefits firm  Record keeping - quarterly statements Conrad Siegel Investment Advisors, Inc.  Independent investment consultants  Recommend and monitor investment choices Who We Are

3 Questions You Need to Answer  Are you saving enough?  Are you maximizing your employer’s match?  Are you properly diversified?

4 Are you saving enough? Retirement Savings Worksheet  Complete the worksheet  Decide how much you need to save now

5 Employer matching contribution  Discretionary amount  Contributed with each payroll period  Current Match = 100% up to 3% of compensation For example: Employee contribution = $1,000 Employer matching contribution = $1,000!!! (Assumes $1,000 is less than 3% of compensation.)  Conditions for match: Make a 401(k) contribution Are you maximizing your employer match?

6 Employer matching contribution Bi-weekly gross pay $1, (k)-$14-$42 Federal Taxes (15% tax bracket) -$208-$204 Net Pay (before other deductions) $1,178$1,154 Employee A Employee B $24 difference Are you maximizing your employer match? Contributing 1%Contributing 3%

7 Employer matching contribution Employee A Employee B 401(k)$14$42 Match$14$42 Total Contribution$28$84 $24 reduction in take home pay results in $56 extra in retirement savings every pay check! Are you maximizing your employer match? Contributing 1%Contributing 3%

8 Are you maximizing your employer match? For $24 less each paycheck (or $624 for the year) in take home pay, you have $15,545 more at retirement!

9 2% Individual Security Selection 2% Market Timing 96% Asset Allocation Brinson Studies of 1986 and 1990 Are you properly diversified?

10 Risk Assessment Quiz  Complete the risk quiz  Decide your risk level  This will help you make your investment choices Are you properly diversified?

11 Your Results Less RiskMore Risk Are you properly diversified?

12 Account Investing Methods Option A Professionally Managed Solution: Lifestyle Funds Option B Employee Managed Solution: Create Your Own Portfolio

13 Lifestyle Funds If you would rather have an investment professional decide how to invest your account, you can choose one of the Lifestyle Funds, which are portfolios of investments with pre-determined asset allocations. Less Risk More Risk Conservative Moderate Balanced Growth Vanguard LifeStrategy Income Fund Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Moderate Growth Fund Vanguard LifeStrategy Growth Fund

14 If you are choosing a Lifestyle Fund, read the description of your Investment Style, and then choose the appropriate LifeStyle Fund. Balanced - The goal of this asset allocation should be a balance of asset growth with a fair amount of current income. This can be appropriate for those with a time horizon of at least 10 years, which is a full market cycle. These individuals realize that retirement is far enough away that they can ride out any account fluctuations. Investment Style Lifestyle Funds

15 Create Your Own Portfolio If you are creating your own portfolio of investments, here is just one sample to help you get started in building a properly diversified portfolio. Balanced - The goal of this asset allocation should be a balance of asset growth with a fair amount of current income. This can be appropriate for those with a time horizon of at least 10 years, which is a full market cycle. These individuals realize that retirement is far enough away that they can ride out any account fluctuations % Best Year36.03% Worst Year % 5%Money Market 35%Bonds 27%Large Cap Stocks 6%Mid Cap Stocks  9%Small Cap Stocks 18%Foreign Stocks Investment StyleAverage Annualized Returns Sample Asset Allocation

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23  Log onto for internet access  Questions? Call our Customer Service Line M-F 8:00 a.m. to 6:00 p.m., Eastern Time Website Information

24  Complete the Deferral Change Form in your Tool Kit  Return Form to Human Resources  Change will be effective April 1 Increase Your 401(k) Contributions

25 Conrad Siegel Investment Advisors, Inc. ("CSIA") is an SEC registered investment advisor with its principal place of business in the Commonwealth of Pennsylvania. CSIA and its representatives are in compliance with the current notice filing requirements imposed upon registered investment advisors by those states in which CSIA maintains clients. CSIA may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. This presentation is limited to the dissemination of general information pertaining to its investment advisory/management services. Any subsequent, direct communication by CSIA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of CSIA, please contact CSIA or refer to the Investment Adviser Public Disclosure web site ( additional information about CSIA, including fees and services, send for our disclosure statement as set forth on Form ADV from CSIA using the contact information herein. Please read the disclosure statement carefully before you invest or send money. This presentation contains general information that is not suitable for everyone. The information contained herein should not be construed as personalized investment advice. Past performance is no guarantee of future results. There is no guarantee that the views and opinions expressed in this presentation will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security. Disclosure

Schaedler Yesco Distribution Inc. 401(k) Plan