1. Corporate Retirement Plans
In our brief discussion today, we want to give a high-level summary of our retirement plan service model and capabilities, covering the following:
Describe Baystate Financial Services and our team, highlighting our capabilities
Describe our process when working with retirement plans
Illustrate some of the materials we use in evaluating and servicing retirement plans.
Corporate Retirement Plans
Securities and investment advisory services offered through New England Securities, Corp(NES)(member FINRA/SIPC), a registered investment advisor Clarendon St., 19th Floor, Boston, MA Baystate Financial Services is not affiliated with NES.
Financial Planning Services offered through approved financial planners of NES. Not all representatives can offer all products/services. Please call our office for full details. L [exp0213][MA,NH]

2. Plan Participant Services
Our Value Proposition
Thorough analysis of Plan Type and Design options
Conduct Plan Provider Search
Serve as your advocate with all parties involved
Plan Consultation
Fiduciary Support and Education
Annual Plan Reviews
Investments: guidance with Investment Policy Statement, in fund selection and monitoring, QDIAs
Plan Sponsor Support
Initial and ongoing enrollment support
Group Employee Education Meetings
Individual Financial Planning consultations
Plan Participant Services
This slide outlines our value proposition – the areas we cover with you in servicing your retirement plan:
We educate and assist you with the overall plan and act as your advocate with the Plan Provider and TPA
We educate you on your plan responsibilities
We educate and assist the plan participants concerning the retirement plan.

3. Our Process Initial Consultation Plan Design Plan Implementation
Plan Monitoring
Monitoring of Investment Options
Plan Reviews - Implement Changes as needed
Plan Implementation
Enrollment / Participant Account Transfers
Group Employee Education Meetings
Plan Design
Determine Plan Type & Design
Perform thorough Provider Search
Initial Consultation
Understand clearly your present situation
Prioritize objectives and goals
This slide outlines our 4 step process in delivering on our value proposition

4. Roles and Responsibilities
Baystate Financial
Plan consultation and analysis
Annual Plan Review
Investment monitoring
Enrollment
Participant Education
Advocate for client to all parties involved
Plan Provider
Recordkeeping
Dedicated Account Rep to Plan Sponsor
Participant Access
24/7 Online Access
Participant Online Tools
Education Materials
TPA
Plan Documents
Compliance Issues
Plan Testing
Assist with Plan Design
Process loans
Process distributions
Plan Sponsor
Provide accurate information to Baystate / Plan Provider / TPA
Provide timely updates
Ensure timely deposit of salary deferrals and loan remittances
Distribute notices as required
This slide outlines the roles and responsibilities of the parties involved in the functioning of your retirement plan.

5. Baystate Financial “Full Service” Model
Estate Planning
Business Succession Planning
Wealth Management
Individual Planning & Investment Strategies
Supplemental Retirement Plans:
Defined Benefit, Exec Deferred Comp Plans
Retirement Plan Solutions:
401(k) , 403(b), SEP, SIMPLE
Group Benefit Plans:
Medical / Dental Plans, Life, Short & Long-Term Disability, LTC
This slide summarizes the various areas we cover with our business clients:
We often begin by reviewing Group Benefit and Retirement Plans, as desired and as it applies to each business client’s situation.
If applicable, we discuss possible supplemental retirement plan options.
In addition, we can provide wealth management, business succession and estate planning strategies.

6. Baystate Financial is a premier, full service financial services firm
Founded in 1901, Baystate Financial Services, LLC is one of New England’s oldest and largest privately owned financial services firms, offering comprehensive , personalized financial strategies for individual and corporate clients.
Baystate Financial’s broad range of services includes financial planning, employee benefits, business and estate planning, and retirement and special needs planning. We provide access to a variety of investment and protection products to assist in implementing our client’s financial strategies.
Baystate Financial is a leader and an innovator through our use of specialists
Baystate Financial has pioneered a new model for financial firms built on a solid infrastructure of product specialists, who share their experience on a wide range of financial issues so that representatives can provide personalized financial strategies to clients.
Baystate Financial has a strong work and corporate philanthropy culture
Baystate is a strong corporate and community partner dedicated to the clients and communities we serve throughout New England. Baystate participates in a variety of events and activities to help those in need.
Our foundation, Baystate Financial Charitable Foundation, through it’s mission of aiding children and children’s charities, is committed to giving back to the community, and will continue to expand its philanthropic efforts.
Financial planning services only offered through approved financial planners of New England Securities, Corp., a registered investment advisor.
Not all representatives are qualified to offer all products and services. Please call our office for full details.
This slide provides a brief description Baystate Financial Services:
Baystate is a full service financial services firm
We have a broad array of product specialists available to us to serve our clients
Baystate has a strong work and corporate philanthropy culture
We’ve included addresses to three websites where you can get more information

7. Case Design & Implementation
PLAN SPONSOR
Plan Provider
Alan Bolotin, CLU®, ChFC®, AEP
Financial Representative
Senior Financial Planner
TPA
Lisa Pike
Client Services
Brian Scanlon, CFP®
Financial Representative
Director of Operations
Stacy Parker-Lurie
Plan Services
Plan Sponsor Services
BUSINESS PLANNING
Herb Daroff, JD, CFP ®
Rick Petrucci, JD, CPA, CFP ®
Thomas O’Connor, JD,
RETIREMENT PLAN DESIGN
David Curylo
EMPLOYEE BENEFITS
Ed Bleiler
Michelle Ludka
Participant Services
Employee Education
Financial Planning
Investments
Annuities
Protection Planning
Neil Blicher, CFP®
Sean Brennan
This slide illustrates the a number of the various Baystate financial representatives and support teams.
We coordinate the efforts between you, the Plan Sponsor, the Plan Provider and TPA, and the various members of our support team.
As you can see, there are considerable resources available for Plan Sponsor Services and Participant Services.
Depending on your needs, we can involve various individuals as necessary.
Caitlin DeSoye
Ben Hamblen
Greg Pinto, MBA,
CLU®, ChFC®, CFP®
John Cogswell, CFA®
Joe Davies CFP®
Mark McManus
Bryan Morrell
Robert Piatelli - Life Insurance
Jerry Facey - Disability Insurance
Patricia Trombley Ball – LTC Insurance

8. Retirement Plan Services: Team Members
Alan C. Bolotin, CLU, ChFC, AEP – Financial Representative and Senior Financial Planner
Alan Bolotin leads our business and individual financial planning practice. As a Senior Financial Planner with New England Securities, with 20 years of experience in the financial services industry, Alan brings a wealth of experience and knowledge in working with closely-held businesses, business owners and executives.
Alan graduated from the University of Massachusetts with a degree in Finance. He holds his Series 7 license for all general securities, his Group Life and Health License and is also registered as an IAR (Investment Advisor Representative) through New England Securities. Alan holds the professional designations of Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU) and Accredited Estate Planner.
Alan focuses on building long-term relationships with individuals, families and business to help them design solutions to reach their financial objectives. Alan utilizes a team approach to coordinate the design and implementation of each client’s financial strategies.
This is a brief Bio summary for Alan Bolotin

9. Retirement Plan Services: Team Members
Brian Scanlon, CFP® – Financial Representative, Director of Plan Services
Brian leads our Retirement Plan Services team at Baystate Financial. He brings a diverse background in the areas of Practice Management and personal financial strategies, equipping him to assist our clients in managing their retirement plans and providing education to participants in retirement planning and investment strategies.
Brian received his BA in Biology from Harvard University and has worked in the financial services industry for the past 7 years. He holds his Series 7 license for all general securities, his Group Life and Health License and is also registered as an IAR (Investment Advisor Representative) through New England Securities. In addition to his licenses, Brian is a Certified Financial Planner™ professional .
Brian works with TPAs in Plan Design analysis and with Plan Providers in evaluating Investment options. He coordinates our Annual Plan Reviews and works with our clients in fulfilling their fiduciary responsibilities to the plan, keeping regular contact with our clients to ensure that everything is working as smoothly and efficiently as possible.
This is a brief Bio summary for Brian Scanlon

10. Retirement Plan Services: Team Members
Neil Blicher, CFP® – Financial Representative and Senior Financial Planner
Neil Blicher is a senior financial planner with New England Securities, with over 15 years of experience in the financial services industry. He received his Bachelor of Arts from Wesleyan University in 1989 and his Masters of Management for the Kellogg School of Management in Neil is a Certified Financial Planner™ professional and is Series 6, 63 and 7 securities registered. He is also licensed for life, accident and variable insurances.
Neil’s focus is providing individuals, families and business owners with financial strategies for the accumulation, protection and distribution of wealth. He is involved with MetLife’s Retirewise® program with provides a detailed education program on retirement planning to companies and organizations, and available to conduct Participant Group Education meetings or meet with Participants individually to provide education concerning the retirement plan and other areas of financial concern or interest.
This is a brief Bio summary for Mike Enright

11. Retirement Plan Services: Team Members
Stacy Parker-Lurie – Retirement Plan Services: Stacy is our Retirement Plan Coordinator, serving as a liaison for Plan and Participant services. Stacy provides support for our clients’ Plan Administrators, as well as assisting participants with questions about their retirement account. She holds her Series 6 and 63 licenses for all general securities, enabling her to make important contributions to the analysis of Plan Investment options and educating participants on portfolio options. She brings 14 years of experience in the financial services industry, focused in particular on retirement plan services and administration. Lisa Pike - Client Services: Lisa is our team’s Client Services Manager, working with all areas of the practice and interfacing with clients on all service items and questions. She is proactive in coordinating the scheduling of all meetings and quick to direct participant questions, ensuring that they get the answers they need. Her strengths of problem solving with a determination to follow through make her perfectly equipped to be our clients’ point of contact for day-to-day service management and concerns.
This is a brief summary for our two dedicated administrative staff personnel.

12. Initial Consultation – Fact Finder
Through MetLife’s Pension Resource Center, we can provide Plan Design providers to meet your needs.
At our initial consultation, we will begin with a comprehensive fact finder to gather the necessary, relevant information.

13. Walnut Street Securities
Plan Provider Search
Category/ Question
Current Provider
Vendor A
Vendor B
Vendor C
Walnut Street Securities
MetLife Pension Resources also provides a service that will allows us to perform an extensive Plan Provider search based on the information provided in the Fact Finder.
January 1, 20XX

14. Provider Search – Price Comparison
Vendor Name
Current Provider
Vendor A
Vendor B
Vendor C
One of the areas detailed in the provider search is a price comparison of various providers based on the information provided.

15. Investment Policy Statement
MetLife Pension Resources provides a sample Investment Policy Statement that can be customized for your retirement plan.

16. Investment Fund Performance
ABC Company
Executive Summary
Data as of January 1, 20XX
In the context of the Investment Policy Statement, MetLife Pension Resources provides the resources to do a comparative investment fund analysis.

17. Fund Fact Sheets
ABC Company
Fund Fact Report
ABC Company
Fund Fact Report
MetLife Pension Resources can provide individual fund fact sheets for each fund to be evaluated.

18. Asset Allocation Questionnaire
To assist plan participants, we will provide an asset allocation questionnaire to assist them in making decisions related to the investments in their retirement account.

19. Alan C. Bolotin, CLU, ChFC, AEP
Contact Information
Alan C. Bolotin, CLU, ChFC, AEP
______________________________________
Brian Scanlon, CFP®
______________________________________
Stacy Parker-Lurie
We’ve included our contact information for your convenience.