Company name 08/17/2010 Presented by: Antonio Loffreda-Mancinelli, MBA, AIF, PPC ™

1. Company name 08/17/2010 Presented by: Antonio Loffreda-Mancinelli, MBA, AIF, PPC™ Wealth Management Partners

2. Table of Contents Making the Selection • Evaluating Providers • 5 Things You Should Know or Have From Every Provider Services Provided • Typical Services Offered • Investment Selection & Monitoring • Participant Enrollment & Ongoing Education • Fiduciary Support • Audit File Development • Expense Analysis & Benchmarking Enhanced Expertise • Industry Expertise • Focus on Medical Practices • Focused on Fiduciary Protection What’s Important to You • Needs Assessment • Administration • Fiduciary Support Next Steps • Next Step Timeline • Plan Management Timeline

3. Making the Selection

4. Making the Selection Evaluate & Grade… “Hiring a service provider in and of itself is a fiduciary function. When considering prospective service providers, provide each of them with complete and identical information about the plan and what services you are looking for so that you can make a meaningful comparison.” “Feesarejustoneofseveralfactorsfiduciariesneedtoconsiderindecidingonserviceprovidersandplaninvestments.Whenthefeesforservicesarepaidoutofplanassets,fiduciarieswillwanttounderstandthefeesandexpenseschargedandtheservicesprovided.Whilethelawdoesnotspecifyapermissibleleveloffees,itdoesrequirethatfeeschargedtoaplanbe"reasonable."Aftercarefulevaluationduringtheinitialselection,theplan'sfeesandexpensesshouldbemonitoredtodeterminewhethertheycontinuetobereasonable.” From the U.S. Department of Labor’s Employee Benefits Security Administration booklet, Meeting Your Fiduciary Responsibilities Evaluate Each service Provider individually, then compare for a best-fit • Evaluate Advisors and Record-keepers separately. (Consultants can bring in any service provider that will best meet the needs of your plan.) • Document your evaluation criteria and the reasons for your final decisions. • You don’t have to hire the cheapest provider, but you do have to substantiate your decisions and ensure the fees you’re paying are reasonable.

5. Making an Informed Decision 5 Things You Should Know or Have From Every Provider… • Fiduciary Status (this varies by provider type but you should look for those held to a fiduciary standard and those that can help to reduce your liability through the acceptance of fiduciary status) • A Service Schedule (professionals should have a service model that can be clearly defined and articulated, so you as a client knows what to expect, and have a schedule of services to ensure all key fiduciary responsibilities are being met – if you don’t receive this from your potential providers, be wary that they may not be able to deliver promised support) • A Written Service Contract clearly outlining all services to be provided and fees charged. • Required SEC Disclosures, such as the Form ADV • Qualification Questionnaire to identify if the individual/company is qualified and has the ability to provide the services you’re seeking.

6. Services Provided

7. Services Provided Typical Services Offered When it comes to helping plan sponsors, anyone under consideration for your plan should, at a minimum, offer a baseline set of services which usually looks like this… • Investment Policy Statement Development and Plan Investment Reviews • Enrollment Meetings and Participant Communications Support • Fiduciary Support • Audit File Development • Expense Analysis and Plan Benchmarking We offer these services and more. As an independent consultant, we can use almost any record keeper, platform, TPA, mutual fund, or investment vehicle for your plan. The next few pages demonstrate our ability to provide the baseline services needed.

8. Services Provided Investment Selection and Monitoring Market volatility makes it critical for retirement plan sponsors and fiduciaries to develop and maintain investment due diligence procedures and supporting documentation. We will work with the retirement plan committee to develop and maintain the plan’s investment strategy, which is codified in an investment policy statement. We provide a comprehensive investment analysis by utilizing multiple tools including Zephyr Style Advisor, MPI Stylus, and Ibbotson, some of the most robust investment analytics available. Each investment is evaluated by more than a dozen different and objective analytical measurements, including: • Upside Capture • R-Square • Downside Capture • Median Rank • Correlation • Style Drift • Alpha • Excess Return • Tracking Error • Beta • Sharpe Ratio • Volatility of Risk Performing this analysis on a regular basis is essential to documenting compliance with Department of Labor guidelines and minimizing exposure to fiduciary liability.

9. Services Provided Participant Enrollments and Ongoing Education An employee benefit plan is… an employee benefit! Pertinent employee communication services are part of our service model and include: • Pre-enrollment memos, posters and announcements • On-site group enrollment meetings • On-site individual enrollment meetings • On-site group investment education meetings • Targeted, personalized communications • Personalized gap analysis statements • Online access to account information • Dedicated customer service team to respond to participant account inquiries

10. Services Provided Fiduciary Support For most individuals involved in the management of a plan, the task of plan fiduciary is in addition to your regular role at the company. There are no pre-requisites for those appointed to help manage a plan but there are rules imposed by the Employee Retirement Income Security Act. We help you meet these obligations with the following services: • Identifying Plan Goals and Objectives • Investment Committee Formation Assistance and Education • Investment Selection and Monitoring as the prudent expert • Provider Benchmarking & Reviews • Expense Documentation & Analysis • Following Participant Communication Guidelines • ERISA 404(c) Compliance Assistance • Following Plan Documents

11. Services Provided Audit File Development Keeping files organized and centrally located is key to demonstrating prudence in the management of your plan. In the case of an IRS or DOL audit, it’s critical to be able to access your files and that they be current and accurate. We provide the following services to assist you in maintaining an appropriate audit file: • Audit file checklist listing all documents to keep centralized • Binder to store plan documents • Checklists for keeping plan current and documents compliant

12. Services Provided Expense Analysis and Plan Benchmarking Plan sponsors must regularly review plan fees to ensure they remain reasonable and that the services still meet the needs of the plan. We provide the following services to help plan sponsors meet this requirement: • Quarterly investment expense analysis • Annual provider service contract review and fee analysis • Plan expense benchmarking every 3 years

13. Enhanced Expertise

14. Enhanced Expertise Why hire a generalist when you can hire a specialist?… Setting up and managing a company retirement plan requires a comprehensive understanding of the complex regulations that govern qualified plans. I’ve received elite industry training on ERISA and compliance issues and have earned the Accredited Investment Fiduciary and Professional Plan Consultant™ designations to demonstrate our firm’s position in the retirement industry and commitment to meeting the needs of our clients.

15. Enhanced Expertise Commitment to Medical Practices… • Explain background – medical school • father is a doctor • understand the unique challenges medical practices face, etc.

16. How We’re Different Focused on Fiduciary Protection… Our rigorous six step process helps ensure that Department of Labor and ERISA requirements are being exceeded. We facilitate the process, documentation and meetings. 1 Identify plan goals & objectives. Our Fiduciary Audit Filing System contains all the documents you need to show an auditor or attorney that you are exceeding requirements 2 Implement fiduciary risk management program to document efforts 6 Implement ongoing management process to address critical issues 5 Develop an effective participant communicationsprogram 3 Develop and implement an Investment Policy Statement 4 Benchmark your plan’s expenses and review your providers

17. What’s Important to You

18. Understanding Your Needs… How can we help you? Over the last few months we’ve had an opportunity to speak with Ann, Tony, Annie, Bob and Kevin. We appreciate that you took the time to talk with us and that you went online and completed our 3-part questionnaire. After reviewing our past conversations and analyzing the questionnaire, we understand that there are certain items that need to be addressed relating to the following areas: • Administration • Participant Communications • Fiduciary Support The following pages outline solutions recommended.

19. Understanding Your Needs… Key Area #1 – Administration Concerns Key areas to address include: • Help with ease of administration • Address all the concerns you have with your current recordkeeper One main objective you have for going through the provider interview process is to find a new recordkeeper. We were introduced to you through ADP. ADP is one option available that is a great fit because they are also your payroll provider. Please refer to the separate presentation packet outlining the benefits they bring to the table and the total fees they charge.

20. Understanding Your Needs… Key Area #3 – Fiduciary Support Key areas to address include: • Identifying plan goals and objectives • Setting up a risk management file to document key plan decisions and organize and central all pertinent plan documents • Keeping regular meeting minutes to document plan decisions and supporting details • Hiring a prudent expert to meet ERISA’s rule for investment due diligence • Conducting regular investment reviews in accordance with a written investment policy • Monitoring service providers to ensure fees and services remain consistent with service contracts and continue to meet the needs of the plan • Avoiding conflicts of interest It’s important to address these areas because some are key plan success factors for those involved in managing the plan, and most are areas where a breach of fiduciary duties can be found if not addressed properly. Our six-step process helps to address all of these areas.

21. Next Steps

22. Next Steps Timeline When you us as your plan advisor, the following process outlines the steps involved… Sign engagement contract Set appointment for Recordkeeping Paperwork Review Recordkeeping Upgrade Timeline Implement Plan Management Timeline Implement Employee Education Timeline Experience reduced anxiety, improved efficiencies, a reduction in fiduciary liability, and a better chance for participant success

23. Next Steps Timeline 4 MONITOR Annually revisit plan procedures Quarterly due diligence conducted as appropriate Benchmark study conducted every 3 years Participant readiness reviewed as appropriate 3 IMPLEMENT Investments monitored according to established timeline Oversight meetings conducted as appropriate Participant Communications schedule implemented Fiduciary Education initiatives executed 2 FORMALIZE Investment Policy Developed Plan Compliance File Set-up Plan Success Timeline Established Participant Success Timeline Established 1 DOCUMENT Review Plan Goals & Objectives Review Fiduciary Roles & Responsibilities Collect Documents Pertaining to Plan Management & Oversight Establish Investment Policy Criteria Participant Communications Schedule Determined Getting Started… IMPLEMENTING A FORMAL FIDUCIARY GOVERNANCE PROCESS Once we’ve been officially engaged, after key plan issues are resolved (such as platform or provider changes, fund mapping, initial enrollment meeting etc.), we will meet with you to review and implement a formal plan governance process. This process begins with a working meeting to establish and collect plan procedures and processes. Once formalized, your plan governance process is implemented and monitored as appropriate. Annual Timeline is Implemented and Monitored Within 30 Days Plan Process is Formalized Initial Meeting to Gather Data

24. Plan Management Timeline Set up Compliance Files In order to meet the department of labor guidelines for the management of a compliant plan, the following service timeline was developed and is an example of what we would implement for your plan once the key recordkeeping changes are completed. Quarterly Investment Report Quarterly Investment Report Quarterly Investment Report Quarterly Investment Report YTD Returns YTD Returns YTD Returns YTD Returns YTD Returns YTD Returns YTD Returns YTD Returns YTD Returns YTD Returns YTD Returns YTD Returns Jan I Feb I Mar I Apr I May I Jun I Jul I Aug I Sep I Oct I Nov I Dec Newsletter Newsletter Newsletter Newsletter Newsletter Newsletter Quarterly Committee Meeting Annual Plan Review Quarterly Committee Meeting Fiduciary Formalization Quarterly Committee Meeting Provider Due Diligence Quarterly Committee Meeting Participant Communications Review Fiduciary Training Scheduled Insert timeline

25. www.mywealthmanagement.com Address Phone Email Securities Disclosure