WE BRING A LARGE PLAN OFFER TO THE SMALL PLAN MARKET.

401(k) Plan Sponsors Solutions

Who We Are

TOUCHSTONE Retirement Group is our strategicpartner that is revolutionize the retirement plan

market place by bringing alarge

Specifically,

helping usplan offer

to the they help us

small plan market for less cost and fully compliant. provide services for defined contribution and defined retirement plans across the country. An independent,

benefit and non-qualified “open-architecture” firmproviding participant recordkeeping and government mandated compliance services to

company sponsored retirement plans of all sizes. Headquartered in Buffalo, NY with sales offices in Atlanta, GA and Charlotte, NC.

Cyborg-Advisors is the first ever automated client centered platform to empower individuals, families business owners and institutions to help achieve retirement and wealth creation goals while giving access to professional asset managers, which typically requires a person to have $250K or more to invest. Now, you are able to benefit from the Next – generation in automated client self-service combined with active asset management and investment advisory services all with a click of a mouse. Cyborg-Advisor is a division of NCFA, Inc.NCFA professionally manages money for corporate, institutional and individual clients.

What We DoInvestment

Management

Sponsor & Participant Services

Third-Party Administration &

Compliance

Investment Recordkeeping

What are You Looking for in 401(k) Provider?

o Diverse investment options with actively managed model portfolios

o Lower fees and complete transparency

o Fiduciary protection

o Easy-to-use participant education

o Highly personalized service

o Plan design & compliance expertise

Cyborg-Advisors 401(k)’s “sweet spot” are plans from start-ups to $10 million in assets. We bring a large plan offer to the small plan market.

Off the Rack Custom Tailored

Pla

n Des

ign

VS.

PLAN SPONSOR WORRIES source: Pension & Investments

2015 Survey

PLAN SPONSORS RESPONDED

SEVERAL CONCERNS ARE WEIGHING ON OVER

THE MINDS OF PLAN SPONSORS IN 2016400

30%PLAN

ADMINISTRATIVE BURDENS

28%LITIGATION

POTENTIAL

31%THE CHANGING REGULATORY LANDSCAPE

49%PARTICIPANT

PARTICIPATION AND SAVINGS

RATES

Participation and Savings Rateso Only 73% of Eligible Employees Participate in the Plan

o Only 12% Contribute the Maximum

o Average Deferral is 7.1%

Source: Vanguard Retirement Plan Access 2014

• Local Advisor to educate and advise employees• Establish a successful savings

strategy• Investment options and asset

allocation• Benefit of pre-tax savings

We continue to leverage technology to revolutionize retirement plans. Now to help employees maximize their benefits we are rolling out cutting edge technology with our strategic partner in that of iJoin Mobile Enrollment Solution -Participant Perspective

In less time than it takes to drink a cup of coffee, ijoin will deliver the following to your participants during the enrollment process…

◦ Establish a successful saving strategy◦ Detail in real-time how that impacts the participant’s

current paycheck◦ Illustrate an income stream in retirement that exceeds life

expectancy◦ Details the age of retirement◦ Helps establish an investment allocation based on the

participant’s risk tolerance

iJoin Mobile Enrollment Solution–Fiduciary PerspectiveHow do Plan Fiduciaries know if the plan is “working” for participants?

o The iJoin analytics dashboard provides a wealth of information about plan usage and retirement readiness.

o Using that information, messages targeted to specific groups (i.e. eligible but not contributing or not taking full advantage of the company match etc.) can be sent to encourage or increase participation.

The Changing Regulatory Landscape

Nearly 73% of DOL Audits resulted inmonetary fines or othercorrective action.Source: http://www.benefitspro.com/2014/03/31/dol-cracks-down-on-employer-401k- issues

o # of audits are increasingo Employers continue to pay the priceo Most common cases: Errors in

administering 401(k) plans

TOUCHSTONE provides each Sponsor with a dedicated Relationship Manager (RM) that will develop a deep understanding of the client’s retirement plan, enabling the RM to proactively address potential compliance issues.

Plan Administrative BurdensRisk and liability associated with the plan administrator role are a burden, both personally and professionally

Plan sponsors don’t have the time or expertise to fulfill the many duties

Compliance and investment support from dedicated Relationship Managers (RM) at Cyborg-Advisors and TOUCHSTONE will ensure the retirement plan is compliant and operating as efficient as possible.

There’s No Safety In Sizeo Excessive fees is a common

refrain.o Unless fees are

“transparent”, how can the Sponsor know if they are excessive or not? 2015 20132013

2015 2014

2015 2016

Cyborg-Advisors 401(k)’s totally transparent fee structure makes Fiduciary oversight much easier for the Sponsor and plan fiduciaries.

Open ArchitectureIn the world of retirement plan recordkeeping, the word “open” can have different connotations depending on the service provider’s model.

TOUCHSTONE has no proprietary investments and has the ability to include any mutual fund or ETF that is open to trade through the NSCC and for which the plan can meet the minimum investment requirements.

This allows Cyborg-Advisor's automated 401(k) solution the ability to search thousands of potential investments and create a “best-in-class” investment menu, as a division of an Independent Registered Investment Advisor and a professional money management firm.

We at Cyborg-Advisors call that “pure” open architecture. It’s as open as you can get!

VS.

Investments

“Guided” Architecture

“Pure” Open Architecture

Why Cyborg-Advisors 401(k)o Overall Low Plan Fees: built-in breakpoints to automatically lower fees as plan grows.

o Complete Fee Transparency: all fees clearly disclosed to Sponsor and participants.

o Professional 3rd Party Money Manager: Cyborg-Advisors risk-based model portfolios.

o Fiduciary Protection

o Easy-to-use Participant Education: effective, mobile and custom.

o Highly Personalized Service: dedicated Relationship Manager for all sponsors.

o Plan Design & Compliance Expertise: high-touch consultation/no call centers.

Cyborg-Advisors in the Next-generation and first ever automated 401(k) platform a division of NCFA, Inc.All Investment advisory services are offered through National Christian Financial Advisors, Inc. (NCFA) an Independent Registered Investment Adviser (RIA)

FLAT IS BETTER!Request a FREE side-by-side fee & plan comparison from our experts