1. Keys to understanding your retirement plan © 2012 Envoy Financial, Inc. All rights reserved. Envoy Financial, 8415 Explorer Drive, Suite 115, Colorado Springs, CO 80920 Securities offered through Envoy Securities, LLC, Broker Dealer, Member FINRA/SIPC. Advisory Services offered through Envoy Advisory, Inc., Registered Investment Advisor. First Use: July 24, 2012 Presented by: Bruce Bruinsma CEO, Envoy Financial

2. All Retirement Plans have costs

3.  Knowing what services are available to you and the cost of those services is integral to understanding your retirement plan  Using those services is the way you reap the greatest benefit from the plan

4.  Connecting to your Participant Web Portal and then accessing the Resource Center is the best way to understand the services available

5.  Utilizing those resources brings the greatest “added value” to this plan provided by your Employer

6. The elements that make up a retirement plan

7.  Investments: ◦ Advice to the Plan Sponsor  Legal Documents that make up the Plan: ◦ Summary Plan Description  Third Party Administration Services: ◦ Makes sure every activity is legal  Recordkeeping: ◦ Makes sure all activities are tracked and reported accurately and in a timely manner

8.  Some costs are paid for directly by the Plan Sponsor  Some costs are paid for by the Participants of the Plan  Assuming that your employer makes a contribution to the Plan or facilitates its existence, the employer is paying for a percentage of the Plan expenses

9.  403(b) used by non profit organizations  401(k) used by for profit organizations  IRA used by individuals  457 used by governmental entities

10.  IRS Code section 405(c)(4) says that: ◦ Each year your Employer, the Plan Sponsor, must provide two documents to you  The Summary Plan Description  The Fee Disclosure Document ◦ Further, beginning with your quarterly statement made available after September, 2012, the actual expenses incurred must be shown on that statement ◦ Envoy Financial assists your Employer with these activities

11.  Information about the plan in general, including any expenses you may incur through participation in the plan, or through taking advantage of any special plan features  Information about the investment options available to you including the expense associated with those options

12. Expenses for delivery of various services

13.  Here are the categories of expenses detailed in the Disclosure Report: ◦ Administrative Expenses:  Custodial, Recordkeeping and Advisory, for example ◦ Individual Expenses:  Loans and distributions, for example ◦ The individual Fund Expenses are detailed for each fund on your basic menu of offerings

14.  Your Retirement Plan Oversight Committee, with assistance from Envoy, is responsible for your investment menu.  Each mutual fund, professionally managed investment account, has expenses associated with it. The next chart illustrates some funds and their expenses.

15. Expense information Returns information

16.  Beginning with the September, 2012 quarterly statement, fee disclosure information specific to you will be included  We will address the format for that disclosure in another presentation  Be aware that it is coming

17.  First, know that your Retirement Plan Oversight Committee is overseeing your Plan  Second, be confident that the expenses are reasonable and they maintain the service and support of your Plan  Finally, take advantage of all the available tools for your Plan, educational and other resources applicable to your situation  Envoy Financial website – Retirement Matters, Resources, Calculators, etc.

18.  Transparency is a good thing  Welcome to the “next step” in retirement planning ◦ Envoy Choice!

19.  Contact Us For Assistance ◦ Participant Service:  (888) 879-1376, option 1  Participant@EnvoyFinancial.com  Connect with Us ◦ Facebook ◦ Twitter ◦ Blog: Seizing Retirement

20. Services provided by: Envoy TPA and Recordkeeping, Inc.Third Party Administration Envoy TPA and Recordkeeping, Inc. Recordkeeping Services Envoy Advisory, Inc. Registered Investment Advisor Envoy Securities, LLC Broker/Dealer Member FINRA/SIPC Envoy Financial, Inc. Education, Sales and Marketing