You're good at what you do and your clients trust your advice.

If you are looking for a fully bundled record keeping platform that offers you, the advisor, complete control over the investment choices, pricing and features that you offer to your clients, then read on...

It's time to stop buying your 401(k) services "off the rack" and to set yourself apart with a record keeping platform that provides...

• Access to almost every mutual fund that clears through the NSCC. And for those of your clients who prefer "passive" investments, we even offer an "all-Vanguard" option to plans of all sizes!
• The ability to control how you price your plans. Asset based percentage fees; flat-dollar service fees; 12b-1 fees or some combination of all three. Each plan and each competitive situation dictates the need for a different pricing strategy and our investment/record keeping platform can accommodate all forms of pricing - from the plan level all the way down to the individual fund level!
• The ability to create your own "brand identity". We can "private label" our participant web site and quarterly statements with your company name so the only name your clients see is your own when they view their account information. We can even create a link to your email address on the participant web site to make it easier for them to contact you when they need advice!
• Personalized letters (populated from the employee census data) to all eligible employees who have not yet elected to participate in the plan, encouraging them to join by using specific savings examples. Or, you can send personalized letters to active participants, encouraging them to increase their deferral percentages.
• "Webinars" can be a cost effective way to reach a large group of employees that are otherwise difficult to reach. We will assist you with setting up live and / or pre-recorded group meetings that your participants can view via the internet. What a great way to conquer both time and distance!
• Full plan administration and design. From Safe Harbor 401(k)'s, Cross-Tested and Integrated profit sharing plans, we do it all. Tough questions?...our on-staff ERISA attorney is there to provide the right answers.

PLAN ADMINISTRATION

P&A offers a fully bundled 401(k) plan record keeping and administration package, but we also understand that some advisors would prefer to work with a local TPA of their own choosing. We are more than happy to work with your TPA, provided that we are able to facilitate the efficient exchange of plan data.

INVESTMENT ADVISORY SERVICES

Advisors who specialize in providing investment advice to their clients will truly appreciate the almost unlimited number of mutual fund options available to them on the PandA/401(k) platform, including the ability to create customized, pre-allocated, portfolios.

• We will help prepare the plan's Investment Policy Statement
• We will create a list of funds that meet all of the fiduciary requirements under 404(c) of the Internal Revenue Code as well as those stipulated in the Investment Policy Statement
• We will help create pre-allocated age and risk based investment portfolios
• We will help to create customized group presentation materials
• We will help with plan enrollments and group educational meetings

Regardless of which type of advisor you are, you will enjoy the high degree of investment customization and flexibility that we bring to the table.

NON-PROPRIETARY RECORDKEEPING PLATFORMS

In addition to our proprietary 401(k) record keeping and administration platform, we offer traditional "off-the-shelf" 401(k) products from companies such as:

• Nationwide
• John Hancock
• ING
• American Funds

WE WANT TO HELP YOU CONTROL YOUR CLIENT RELATIONSHIPS BY OFFERING SUPERIOR AND INNOVATIVE 401(k) SERVICES!

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