"Creating Ongoing Successful Retirement Plan Experiences

“Creating Ongoing Successful Retirement Plan Experiences For Employers And Employees”

©401(k) Advisors 2006. Securities offered through Financial Telesis, Inc. Investment Advisory Services offered through 401(k) Advisors. Financial Telesis is not affiliated with 401(k) Advisors.

Overview of Services

presented by:

David G. [email protected]

Passion • Protection • Performance401k-1005

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Successful Retirement Plan Experiences!

Exceptional Service Provider

Cos

tello

& S

ons

401(

k) C

onsu

lting

Ser

vice

s

Client and Participant Outcom

es

Protected Fiduciaries

High-touch Investment Education/Advice delivering a

roadmap to retirement

Independent Investment Due Diligence to enhance investment opportunities

Documented monitoring of ERISA

Compliance Guidelines

Prepared Participants

Independent Benchmarking Analysis balancing costs, services & investment opportunities

Top-Tier Investment Opportunities

CSI 401(k) Advisors Business Model

> SERVICES:

Provider Search & Benchmarkings

A successful retirement plan has a high participation and salary deferral rates that place participants on track in meeting their retirement goals, and offers the tools

and advisory support to easily manage and maintain accounts . CSI 401(k) Advisors completes a thorough market analysis of vendors and investments

platforms , offering guidance and support throughout the process.


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> SEARCH & BENCHMARKINGS

Program Methodology

Number of Factors in RFPQuantitative Factors

Recordkeeping → 58

Compliance Services → 17

Investment Management → 74

Total Plan Costs → 101

Technology/Participant Access → 37

Employee Communications → 46

Miscellaneous → 22

Total → 355

Analysis of Money Managers

Financial Strength

Demographic Compatibility

Delivery System

Due Diligence Site Visit

Investment Management Philosophy

Independent Third Party Conclusions

Overall Product Excellence

Qualitative Factors

> SERVICES:

Investment Analysis

Proper due diligence in consistently monitoring and evaluating plan investment options is critical to the success of your plan. CSI 401(k) Advisors provides

ongoing independent investment analysis to assist with this important fiduciary responsibility.


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Scorecard Weighting

Our ScorecardSM ranking evaluates all available funds in approximately 14 asset classes.

> INVESTMENT ANALYSIS

30%Style Factors

20% Qualitative Factors

30% Risk & Return Factors

20% Peer Group Rankings

• Absolute Risk/Return• Information Ratio• Upside/Downside Capture

• Style Analysis• Rolling Style Analysis• R-Squared Statistic

• Returns• Information Ratio

• Manager Tenure• Expenses• Resources• Statistics Strength


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Independent Investment Due Diligence

Clients rely on our process to:

ENHANCE investment opportunities

MANAGE and control risk

REDUCE exposure to fiduciary liability

Sample Report Excerpts

> INVESTMENT ANALYSIS

> SERVICES:

Participant Education and Advice

CSI 401(k) Advisors delivers proactive consulting solutions that are comprehensive, compelling and technically proficient. Our participant- centric

approach creates participants that are better informed about asset allocation and risk tolerance, and most importantly, better prepared for retirement. We want each

participant to feel like they have their own financial advisor.


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Service Solutions

401(k) Advisors maximizes benefits for plan participants!

> EDUCATION & ADVICE

Sample Memos Bi-lingual Consultants Financial Planning

Group and Individual Education Meetings

Employee Communication

Strategies

Asset Allocation and Investment Advice/Guidance

> SERVICES:

Fiduciary Guidance

CFOs, CEOs, Presidents and other fiduciaries have personal liability for assets in the company’s retirement plan. It is crucial that plan sponsors partner with an

independent firm specializing in services that reduce exposure to fiduciary liability.


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Investment Policy Statement

Investment Policy Statement template: Roadmap for your Investment Due Diligence process

Integrates directly into 401(k) Advisors ScorecardSM System

Documentation for DOL or IRS audit

Updated on an ongoing basis for existing, pending, and future legislative changes

> FIDUCIARY GUIDANCE


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Fiduciary Compliance Support

Fiduciary Plan Review evaluates plan design and compliance issues

404(c) Notice and Policy Statement template: employer and employee-level documentation and support

Fiduciary Education Program helps to establish the basis for a successful plan!

Sample compliance checklist “excerpts” (above); Our complete list includes 50+ check-points



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Newsletters and Employee Memos

Monthly Plan Sponsor Newsletters keep clients abreast on the latest retirement plan news, legislative updates, and industry trends

Each newsletter includes Sample Employee Memos that you can print and distribute to employees

Contributing writers and editors represent a staff of one dozen professionals with average industry tenure >10 years

Sample Client Newsletter and Employee Memo


Closing

A successful retirement plan involves having the confidence in knowing where you are, where you want to go and how to get there.

CSI is committed to your plan’s success; let us help you get on track!


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The Costello & Sons Difference

Our firm is driven by three core principles: Passion. Protection. Performance.

Our team is comprised of committed, experienced people who solve retirement plan issues efficiently and cost-effectively

We are a full disclosure company; all of our clients can expect complete transparency of fees

Our services:

David G. Burgelin,General Securities Investment Advisor

CSI 401(k) [email protected]

1752 Lincoln AvenueSan Rafael, CA 94901

415.257.2138CA Lic. 0D40674

ENHANCEinvestment opportunities

PROTECTfiduciaries from financial loss

MINIMIZEtotal plan costs

ENSUREplan efficiency and compliance

MAXIMIZEbenefits for plan participants

Documents

"Creating Ongoing Successful Retirement Plan Experiences