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January 29, 2013

Presentation by:

Steven ScottManaging PartnerRetirement Solution Group, LLC

To the Participants of RSG401(k) Update

Holy Cow, it is 2013…

“Securities offered through Ausdal Financial Partners, Inc, 220 North Main Street, Davenport, IA, 52801, 563.326.2064, member FINRA, SIPC. Advisory services provided by Ausdal Financial Partners. Retirement Solutions Group and Ausdal Financial Partners, Inc are separately owned and operated companies.”

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401(k) 101

■ Retirement Monies � Focus is long-term � Is your social security going to be enough?

■ Defer 0 – 100% of pay, but not more than annual limit of $17,500 (2013)� Traditional, Pre-Tax**� Roth, After-Tax**� Catch-Up Contribution Remains at $5500 for those 50 and older

■ Investments� Do it yourself, mutual funds� Little help, Lifestyle Funds� Auto-Pilot, Lifecycle Funds

**Please consult your tax professional**

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The Fiscal Cliff, Mayan calendar, and numerous other stories in 2012 spoke of our impending doom, or at least

economic doom. So where did the S&P 500 end up? (source: Morningstar)

- 2.2 %5.2 %

13.41 %

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Answer: C… Over 13%!

Think about that for a moment.

■ All we heard was that things were terrible at the end of 2012

■ We had some periods of significant volatility

■ The “New Norm”

But…

■ Still have had a lot of government “band-aid” solutions propping up returns

■ No summer sell-off

■ A lot of issues remain on the horizon, maybe not so distant…

■ But does anyone think the craziness is over???

Retirement Solution Group

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Agenda

■ What Matters?

■ What Happened in 2012?

■ What To Focus on in 2013?

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What Matters?

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Why 401(k)/Retirement Plans Matter

■ Update: Fidelity reports the highest average participant account balance in 401(k)’s for the 12 years they have run the study in September 30, 2012 at just over $79,000. This is 18% improvement from the year prior.

� Source: US News & World Report

■ The Good: The Deferral rate for 401(k) Participants rose by 7.3% over the past five years. From an average annual contribution of $5,500 versus $5,900 in September of 2012.

� Source: US News & World Report

■ The Scary: When we look at participants age 55 and older, 22% have more than $250,000 in retirement savings and 40% had at least $100,000 in retirement savings. But that leaves 60% below the $100,000 mark, and a frightening 38% have less than $10,000 saved for retirement!

� Source: Moolanomy

Retirement Solution Group

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New Limits for 2013

■ Deferral Limits: � $17,500 for 2013� $5,500 in catch-up contribution for participants 50 or older (Plan dependent)

Remember:

■ Which of these variables changed by 20% will have the GREATEST IMPACT on Retirement Readiness:

1. Retiring 5 years early at age 62

2. Contributing 8 years earlier at age 34

3. Increasing the 7.11% ROR by 20%

4. Increasing the 6.00% Deferral by 20%

5. Increasing the 50 cent match by 20%

6. Decreasing the 72bp fee by 20%Retirement Solution Group

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RRR is What Matters (Source: Fiduciary Benchmark Inc.)

Retirement Solution Group

• The sensitivity analysis below shows the impact on the Retirement Readiness Ratio of 87% by changing 6 important retirement assumptions by 20% (except for Early Retirement where the reduction is the earliest age one can begin receiving Social Security):

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What Happened in 2012?

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Markets in 2012 (Source: Morningstar as of 1/11/13)

STOCKS: 1-Year Numbers, Source – Morningstar.com (as of 1/11/13)� US Stocks 16.73 %� International Developed Countries, (EAFE) 20.54 %� International Emerging Markets, (EM) 13.11 %

BONDS: YTD� Core Bond, 4.01 %

TIPS, YTD 5.85 %

Economic Reality� Unemployment as of December 2012 = 7.8 %

• Lower than 8.3% at last meeting• Same as November 2012

� Q3 2012 GDP growth = 3.1 %

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“What we said” January 2012 RSG Participant Webinar

■ US Stocks: Large looked better than small.

■ US Bonds: TIPs looked favorable versus core bonds

■ Overseas: Emerging markets looked more attractive than developed markets

Retirement Solution Group

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RSG Service Model for Retirement Plans

■ Service Provider: They work for us, we do not work for them. Fee disclosure, benchmarking, industry concentration, repricing…

■ Funds: Spring fund due diligence reports due.

■ Results: On average RSG’s participants are saving at a 7.8% average deferral percentage.

Retirement Solution Group

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What To Do?

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Value the Benefit

■ Service Model:� Plan update meetings� Help with consolidating other retirement accounts� Individual meetings as needed� Annual review� Quarterly webinars

• Next one is April 30, 2013. • Always last Tuesday of the month, following quarter end

■ Save More…� When was the last time you gave your 401(k) a raise?

■ Have a Retirement Readiness Plan

Retirement Solution Group

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Value the Benefit: Sample Asset Allocation Model

Retirement Solution Group

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Value the Benefit: the Relationship between Risk and Return

Retirement Solution Group

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Reminders

■ You can save up to $17,500 or $23,000 if 50 or older

■ You now have increased support

■ Reality Check – The $100,000 problem

■ Remember, we fire funds… Spring 2013

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Summary

■ What Matters?� The little decisions are not little

■ What Happened?� Goal is for participants to make “Informed Decisions,” expect more bumps in

the road…

■ What To Do?� Save more

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So What?

Next Steps:

■ 2013 limits are $17,500 ($23,000 with catch-up provision for those over 50)

■ What do you own?

■ Volatility will remain

■ Does it fit?

Next Steps:

■ Analyze Situation

■ Select a Path

■ Create a Retirement Plan Calendar

The DOL says the average American Should Save 12%Note: 3.7% Savings Rate (Source: Bureau of Economic Development)

Retirement Solution Group

“Investments involve risks and potential loss of principal and are not FDIC insured investments.

Investments and investments in 401k plans are not guaranteed by the federal government or the FDIC, they involve risk including but not limited to loss of principal. Opinions expressed are those of Steve Scott and do not represent the opinions of Ausdal Financial Partners, or Retirement Solution Group, LLC. They are opinion only and should be not considered as stand alone advice.”

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RSG Participant Support Team

RSG is always available, 866-352-7731

1. Steve Scott, Managing Partner x 210

2. Elvia Sanchez, Education & Relationship Manager (Bi-Lingual) x410

3. Christie Cheng, Education & Relationship Manager x310

4. Megan Dunne, Associate x200

5. Mary Urlich, Participant Transactions x1

“Can you help me with my forms?”

“I have no idea on these funds, can you help me with that?”

“How much should I be saving?”

“Not really sure if I am aggressive investor or not, how do I figure that out?”

“What is a stock/bond?”

“Why do people keep talking about Spanish Bonds Yields?”

Retirement Solution Group