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Qualified Plan Participant Review

4 Q09. Qualified Plan Participant Review. Presented by: Lawing Financial. Markets Overview. Markets Overview All data as of 12/31/09. Markets Overview.

cameron-boyer
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Qualified Plan Participant Review

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  1. 4Q09 Qualified Plan Participant Review Presented by: Lawing Financial

  2. Markets Overview

  3. Markets Overview All data as of 12/31/09

  4. Markets Overview

  5. If earnings in Large Cap Growth Stocks do not improve, their stock prices would have to move up 28.19% to trade in their normal ranges.

  6. Plan Improvements Coming April 1st, 2010 • Pegasus to Reinstate Matching Contributions!! • Match is dollar for dollar up to the first 3% • This match represents a 100% return on your money for the first 3% you contribute • You may contribute up to 25% of your income, subject to the following IRS limits: • $16,500 if you are under age 50; • Or, $22,500 if you are over age 50 • Investment Line-up Improvements Coming as Well

  7. Plan Improvements Coming April 1st, 2010 The Franklin High Income Fund will replace the Pioneer Global High Yield Fund The Vanguard Selected Value Fund will replace the Columbia Mid Cap Value Fund The Vanguard Total International Stock Index will replace the Vanguard Global Equity Fund These fund changes are effective on March 26th, 2010

  8. Disclaimers / Notifications • Lawing Financial Associates and Lawing Financial Group are two separate companies, offering two distinctly separate types of financial products and services. • Lawing Financial Group offers general financial products and services and may receive revenues, including fees or commissions, generated from the sale of these products and services. • Lawing Financial Associates primary focus is offering investment advisory services, including but not limited to, the selection of funds for core funds line-ups, design of investment policy statements, and the specific management of the professionally managed investment models that are made available to individuals and business clientele. • If you are unclear about which role either of these companies serves, we would ask that you directly e-mail Lawing Financial at retirement@lawingfinancial.com • Lawing Financial’s primary client goal is to protect your privacy. • To conduct our regular course of business, we may collect nonpublic personal information from such sources as: • Information reported by you on applications or other forms you provide to us • Information about your transactions with us, our affiliates, or others • Lawing Financial will internally safeguard your nonpublic personal information by restricting access to only those employees who provide products or services to you or those who need access to your information to service your account. In addition, we will maintain physical, electronic and procedural safeguards that meet federal and/or state standards to guard your nonpublic personal information. • Products offered are not deposit or obligation instruments. These products are not insured by the FDIC or any other bank insurance program or federal government agency and are not an obligation of a bank. They are subject to risks, including possible loss of principal and may lose value. • Investment Advisory Services offered through Lawing Financial Associates, Inc. • 11020 King – 4th Floor - Overland Park KS 66210 913.491.6226 • www.lawingfinancial.com

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