1. Independent Guide, Trusted Partner
Reducing Your Liability While Optimizing Your Plan

2. Independent Guide, Trusted Partner
We empower plan sponsors to make the most of their employee retirement plans so that employees can retire successfully.
Let us show you how…

3. Concerns We Often Here…
Too many regulations to understand
Aging workforce ill-prepared to retire
Lack of investment/marketplace expertise
Increased fiduciary liability
Constrained budgets

4. Meeting Those Needs Benchmark plan fees Reduce fiduciary liability
Implement committee best practices
Evaluate vendor services in the marketplace
Optimize plan design for participant success
Replace unsuitable investment options
Reduce plan costs
Improve retirement outcomes for employees while fulfilling fiduciary requirements

5. Through Measurable Processes
Charter
Investment Policy Statement
Regulatory Updates
Meeting Minutes
404(c) Review
408(b)(2) Audit
Vendor Search
Plan Fee Benchmarking
Investment Recommendations
Share Class Analysis
Plan Design Optimization
Replacement Ratios
Participant Advice
Fiduciary Governance
Benchmarking
Retirement Readiness
…as a contractual fiduciary to your plan.

6. Making it a Reality Overview of Castle Rock Investment Company
How we serve our clients
Process highlights
Addressing your needs

7. Overview of Castle Rock Investment Company
Independent registered investment adviser located in Castle Rock, CO specializing in qualified workplace retirement plans including 401(a), 401(k), 403(b), 457, profit sharing, employee stock ownership, and defined benefit plans.
Registered in Colorado, Nebraska, and Texas
Currently serving clients in:
Manufacturing, Banking, Warehousing, and Governmental
As a 3(21) and 3(38) ERISA fiduciary
Founded April 2006
Woman-owned business

8. Comprehensive Services for Qualified Plans
Fiduciary
Governance
Fiduciary Governance Plan Design
Charter Design Analysis
Investment Policy Statement Retirement income adequacy studies
Meeting Minutes Compliance assistance
Investment Consulting Vendor Management
Fund menu design Annual fee and service reviews
Investment monitoring Provider search/selection
Replacement recommendations Conversion/transition assistance
Investment
Consulting
Plan
Design
Vendor
Management

9. Participant Services Educational webinars
See sample of recorded webinars under “Education” at
One-on-one investment advice
Access to institutionally priced annuity marketplace, Income Solutions®
More information can be found under “Guaranteed Income” at

10. Service Team Michele L. Suriano QPFC, TGPC, AIF® Founder/President
18 years in financial services
10 years advising retirement plans
Volunteer Work:
Board of Directors, The Legal Center
Board of Directors, Western Pension & Benefits Conference
Crew Leader, Keepers of the Rock
Molly Vogt Noyes PRP, AIF®
Consultant
16 years of experience advising qualified retirement plans
Volunteer Work:
Board of Directors, Colorado Republican Business Coalition
Junior League of Denver
Kristen Sanchez
Communications Director
12 years experience in marketing and communications
Volunteer Work:
Board of Trustees, The Christian Foundation
Douglas County School Accountability Committee Member

11. Investment Consulting Process
Recommend asset classes appropriate to employee demographics
Design investment menu
Select investment managers
Monitor investments using quantifiable fiduciary scoring process

12. Plan Fee Benchmarking
Gather and review current fees and services to fulfill 408(b)(2)
Benchmark to similar plans to determine reasonableness

13. Retirement Income Adequacy

14. Plan Design Optimization
Review effectiveness of current plan design versus alternatives

15. Plan Design Optimization

16. Vendor Search Service
As technologies change, and as plan sponsors seek to shift additional responsibilities to external vendors, the complexity of the assignment increases. In selecting providers for the plan, each vendor’s fees, capabilities and experience must be assessed in each of several key areas, including:
Administrative, recordkeeping, compliance and trust service capabilities;
Access to high quality funds;
Ability to insulate you and your company from fiduciary liability; and
Employee communications and investment education capabilities.

17. Vendor Search Process
Castle Rock Investment Company has built a vendor search process that is based on the sponsor’s objectives and facilitates evaluating the results. The required path toward compliance and managing fiduciary liability demands is paved with written documentation of the decision making process and of the objective criteria used for all evaluations (both initial and ongoing) of products, vendors, and service providers.

18. Fiduciary Services
Castle Rock Investment Company brings to you knowledge of the market, expert analysis of products and investments, a successful track record and an unbiased perspective.
Gather, review and analyze alternative 401(k) vendors and benchmark your existing plan vendor against the competition.
Review plan costs so you know exactly what you are paying and how your plan costs compare to the market and to best practices.
Measure the retirement readiness of your employees and make outcome based decisions regarding your plan.

19. Independent Guide, Trusted Partner
We hope we have shown you the difference:
Our independence is key to remain conflict free.
Our role as a fiduciary on your plan ensures we are a partner and guide to improving outcomes for your retirement plan.
We would welcome the opportunity to work with you.

20. Questions & Answers Castle Rock Investment Company Michele L. Suriano
The Courtyard at Castle Rock
333 Perry Street, Suite 208
Castle Rock, CO 80104
Michele L. Suriano
Molly Vogt Noyes