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Schaedler Yesco Distribution Inc. 401(k) Plan

Schaedler Yesco Distribution Inc. 401(k) Plan. Your Financial Wellness – How to do a Check-up on Your 401(k) Account. Who We Are. Conrad Siegel Actuaries Harrisburg based benefits firm Record keeping - quarterly statements Conrad Siegel Investment Advisors, Inc.

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Schaedler Yesco Distribution Inc. 401(k) Plan

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  1. Schaedler Yesco Distribution Inc. 401(k) Plan Your Financial Wellness – How to do a Check-up on Your 401(k) Account

  2. Who We Are • Conrad Siegel Actuaries • Harrisburg based benefits firm • Record keeping - quarterly statements • Conrad Siegel Investment Advisors, Inc. • Independent investment consultants • Recommend and monitor investment choices

  3. Questions You Need to Answer • Are you saving enough? • Are you maximizing your employer’s match? • Are you properly diversified?

  4. Are you saving enough? Retirement Savings Worksheet • Complete the worksheet • Decide how much youneed to save now

  5. Are you maximizing your employer match? • Employer matching contribution • Discretionary amount • Contributed with each payroll period • Current Match = 100% up to 3% of compensation For example: • Employee contribution = $1,000 • Employer matching contribution = $1,000!!! • (Assumes $1,000 is less than 3% of compensation.) • Conditions for match: • Make a 401(k) contribution

  6. Are you maximizing your employer match? Employer matching contribution Employee A Employee B Contributing 1% Contributing 3% $24 difference

  7. Are you maximizing your employer match? Employer matching contribution Employee A Employee B Contributing 1% Contributing 3% $24 reduction in take home pay results in $56 extra in retirement savings every pay check!

  8. Are you maximizing your employer match? For $24 less each paycheck (or $624 for the year) in take home pay, you have $15,545 more at retirement!

  9. Are you properly diversified? 2%Individual Security Selection 2%Market Timing 96% Asset Allocation Brinson Studies of 1986 and 1990

  10. Are you properly diversified? Risk Assessment Quiz • Complete the risk quiz • Decide your risk level • This will help you makeyour investment choices

  11. Are you properly diversified? Your Results Less Risk More Risk

  12. Account Investing Methods Option A Professionally Managed Solution: Lifestyle Funds Option B Employee Managed Solution: Create Your Own Portfolio

  13. Lifestyle Funds If you would rather have an investment professional decide how to invest your account,you can choose one of the Lifestyle Funds, which are portfolios of investments with pre-determined asset allocations. Vanguard LifeStrategy Vanguard LifeStrategy Vanguard LifeStrategy Vanguard LifeStrategy Income Fund Conservative Growth Fund Moderate Growth Fund Growth Fund Conservative Moderate Balanced Growth More Risk Less Risk

  14. Lifestyle Funds If you arechoosing a Lifestyle Fund, read the description of your Investment Style, and then choose the appropriate LifeStyle Fund.

  15. Create Your Own Portfolio If you arecreating your own portfolio of investments, here is just one sample to help you get started in building a properly diversified portfolio.

  16. Website Tools

  17. Website Tools

  18. Website Tools

  19. Statements Electronically

  20. Statements Electronically

  21. Statements Electronically

  22. Statements Electronically

  23. Website Information • Log onto www.my-benefit-info.comfor internet access • Questions? Call our Customer Service Line 1-800-577-3675 M-F 8:00 a.m. to 6:00 p.m., Eastern Time

  24. Increase Your 401(k) Contributions • Complete the Deferral Change Form in your Tool Kit • Return Form to Human Resources • Change will be effective April 1

  25. Disclosure • Conrad Siegel Investment Advisors, Inc. ("CSIA") is an SEC registered investment advisor with its principal place of business in the Commonwealth of Pennsylvania. CSIA and its representatives are in compliance with the current notice filing requirements imposed upon registered investment advisors by those states in which CSIA maintains clients. CSIA may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. This presentation is limited to the dissemination of general information pertaining to its investment advisory/management services. Any subsequent, direct communication by CSIA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of CSIA, please contact CSIA or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).For additional information about CSIA, including fees and services, send for our disclosure statement as set forth on Form ADV from CSIA using the contact information herein. Please read the disclosure statement carefully before you invest or send money. • This presentation contains general information that is not suitable for everyone. The information contained herein should not be construed as personalized investment advice. Past performance is no guarantee of future results. There is no guarantee that the views and opinions expressed in this presentation will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security.

  26. Schaedler Yesco Distribution Inc. 401(k) Plan

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