For Subscribers. Registration Instructions Welcome to the HCM 401(k) Optimizer!

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1 Registration Instructions Welcome to the HCM 401(k) Optimizer!

2 Professional Advice 2 Yes! I want to Optimize my company sponsored retirement plan! How Do I Invest my 401(k)? The HCM 401(k) Optimizer was developed to help answer that question. You, like many others, may need help choosing from, and allocating appropriately the investments your employer s plan offers. We give you the tools to help you make informed decisions. It s quick and simple and you maintain complete control of your assets.

3 What It Means To You 3 Is it for Me? The HCM 401(k) Optimizer is for working individuals who need assistance choosing and allocating their 401(k), 403(b), 457 or similar company sponsored retirement plan. Financial Well-Being as a Goal An actively managed account, we believe, is a great way to improve results and protect assets. Our approach is to apply our proprietary indicator, the HCM-BuyLine, which is designed to keep our clients on the right side of the market. Choose a Proactive Approach Working with many individuals over the years, we have learned that many individuals expose themselves to financial risk by not taking proactive measures with their company sponsored retirement plans. Our goal is to help you create a plan to help you strive to optimize your returns and protect your capital gains. Strive to Protect Your Assets One great feature of the HCM 401(k) Optimizer is access to the HCM-BuyLine. When the market drops below the HCM-BuyLine, you will receive notification with advice on how to restructure your portfolio in an attempt to protect your assets. When the market moves above the HCM-BuyLine, you will once again receive advice about what to do next.

4 4 Let s Get Started! Go To: Click to Sign Up

5 Choose a Plan 5 Before you continue to the sign up process. You can choose a plan and enter a coupon code. Contact your Financial Advisor to obtain a Coupon Code. HCM367 is a SAMPLE code. Be sure to enter your Financial Advisor s Coupon Code so you can receive a 10% discount.

6 Sign Up Part 1 6 The first step is basic information and creating a Username and Password. It is important you use an address you check often.

7 Sign Up Part 2 7 Enter Client Information

8 Sign Up Part 2 (cont.) 8 If your company is not listed in the drop down box, select Not Listed and enter it in the field below. Enter Employment Information

9 Sign Up Part 3 9 Choose a billing plan: Annual or Quarterly. Payments recur automatically For better service, click to allow your financial advisor to see your recommendations and other account information Part 3 of Sign Up includes acknowledgement of HCM s: Service Advisory Agreement Privacy Policy Form ADV Part 2 Click to view HCM s Privacy Policy and Form ADV Part 2

10 Sign Up Part 3 (cont.) 10 Part 3 of Sign Up includes acknowledgement of HCM s: Solicitor s Written Disclosure (if applicable) Click to accept the Solicitor s Written Disclosure Document (if applicable) Choose whether to let your advisor see your details

11 Sign Up Part 4 11 Choose a payment method. All major credit cards are accepted. Other choices are ACH checking or ACH savings. There are two methods of Payment: Credit Card E-Check (checking or savings)

12 Sign Up Part 4 (cont.) 12 Registration is not complete until confirmed. Confirm Registration

13 Sign Up Part 5 13 The next step is to complete the IPP. There are total of 9 questions. There are 9 IPP questions. The IPP measures risk tolerance and is used to help prepare your recommendations.

14 Sign Up Part 5 (cont.) 14 Once the IPP is complete, you will see your Calculated Risk Tolerance Level. Your calculated risk level is used to prepare your allocations. You may update it anytime. You may update your IPP at any time. Click the LifeLock to continue registration. Click the LifeLock logo to receive your complimentary standard subscription.

15 Sign Up Part 6 15 A standard LifeLock subscription is included with your Optimizer subscription. Enter your SS# to activate your LifeLock subscription. We do NOT store this number.

16 Sign Up Part 6 (cont.) 16 Once you register for LifeLock, you may log in and upgrade this subscription. Click Manage LifeLock to view your subscription information. You will receive an from LifeLock with more information about your account.

17 Sign Up Part 6 (cont.) 17 The HCM 401(k) Optimizer has partnered with LifeLock to create more value for you!

18 After Sign Up 18 After Sign Up, you will not immediately see your Recommended Funds. After Sign Up is complete, you will receive an when your allocations are ready. It usually takes 1-5 days for the Optimizer Team to analyze your individual situation.

19 Log in to your account 19 After you receive an notifying you that your recommendations are ready, the next step is to log in using the Username and Password you created at Sign Up. Log In with your Username and Password you created at Sign Up to view your recommendations.

20 Viewing your information 20 You must be logged in to view the pages shown here under Individual Investors. When you log in with your Username and Password, you have access to the following areas: Recommended Allocation Recommended Funds Your Risk Tolerance Your Fund Choices Your Profile

21 Recommended Funds 21 When you log in with your Username and Password, you have access to the following areas: Recommended Allocation Recommended Funds Your Risk Tolerance Your Fund Choices Your Profile When your recommendations are ready, you will be notified by . We offer recommended percentages.

22 Recommended Funds 22 HCM does not have access to your company sponsored retirement plan. Therefore, if you would like to update your balance, you may do so in Your Profile. The dollar amount in the Recommended Funds table corresponds with your Account Balance in Your Profile. Your Account Balance is not updated automatically, but you can adjust it any time in Your Profile.

23 OTI 23 Optimized Trend Indicator (OTI) If you work for a publicly traded company, the ticker symbol should be entered automatically. If not, enter your company s ticker symbol or choose one company you will like to follow. Use the Optimized Trend Indicator (OTI) to see if your company is in an uptrend or a downtrend This can be updated in Your Profile.

24 Your Risk Tolerance 24 Your risk tolerance is used to prepare your recommendations. It s best to update your IPP once per year. We will send you a reminder . This can be updated in Your Profile. Risk Level Explanations can be viewed in Your Risk Tolerance tab

25 Your Fund Choices 25 Your Fund Choices contains all the funds available in your company sponsored plan. Your Recommended Funds are selected from these choices. If you need to update your company s fund choices, you may send the update to info@hcm401koptimizer.com or fax them to (770)

26 Your Profile 26 Your Profile contains your account information. You may log in and update your information any time. You may update any of the information in Your Profile except your Username.

27 FAQ 27 Q: How often do I receive a new allocation? A: At least once per quarter. If the HCM-BuyLine signals to exit the market, a new allocation is prepared for you. You will receive an informing you of the change and directing you to the site. Q: How do I know if there is a new allocation available? A: You will receive an informing you that a new allocation is available. Next, you may log into your account at to view your new recommendations.

28 Example 28 From: HCM 401k Optimizer Sent: Wednesday, August 25, :55 PM To: Sample Client Subject: HCM 401k Optimizer Update Hello, Your HCM 401(k) Optimizer recommendations have been updated and are now available; you can sign in to your account to view the information. Reminders: We do not recommend that you incur any redemption fees as a consequence of making short-term fund changes. HCM will notify you by when new recommendations are ready for viewing. If you have questions or think you might encounter these fees, contact your adviser before you take action to adjust your account allocation. Should your plan change, please send an updated statement via fax ( ) or at info@hcm401koptimizer.com If you have more than one HCM 401(k) Optimizer account, make sure to sign in to each to ensure that you are accessing the appropriate recommendation. As you know, we monitor the market and economic conditions continuously and will update you immediately if the HCM-BuyLine indicates a shift in investment stance. You will find more information in our weekly Wealth Watch (you can sign up here, if you are not currently a subscriber). Please do not hesitate to contact us if you have any questions. We can be reached via at info@hcm401koptimizer.com or by phone at Your HCM 401(k) Optimizer Team

29 29 Refer a Friend Click to Refer a Friend If you would like to refer a friend to the Optimizer, you may use the Refer a Friend tool. In the comment section, let the person know what code to use to receive the 10% off discount. Note: This is a SAMPLE code.

30 Referral Example 30 From: HCM 401k Optimizer Sent: Wednesday, August 25, :55 PM To: Sample Client Subject: Special Information from Sample Advisor Dear Sample Client, I thought you might be interested in the attached 401(k) investment management tool: HCM 401(k) Optimizer. With the HCM 401(k) Optimizer, you receive professional advice for your company sponsored retirement plan. What you get when you sign up: HCM will notify you by when new recommendations are ready for viewing. Professional investment advice you can use right away Personalized recommendations Quarterly updates Bonus Access to the HCM-BuyLine (a proprietary indicator designed to protect assets during bad markets) Click here to Sign Up now and receive 10% off your subscription fee when you use promotion code HCM367. Personal message goes here. Best regards, Kelly

31 31 About the HCM 401(k) Optimizer The HCM 401(k) Optimizer is offered by: Howard Capital Management, Inc. 555 Sun Valley Drive, Suite B-4 Roswell, GA The HCM 401(k) Optimizer is a subscription only program that delivers advice for 401(k) or similar company sponsored retirement plans. The HCM 401(k) Optimizer has built-in features designed to help advisors build relationships with current and prospective clients. The HCM 401(k) Optimizer subscribers maintain complete control over their accounts. Subscribers decide whether or not to act on the recommendations of this program. Howard Capital Management has no discretion and does not make any changes to the company retirement plans of HCM 401(k) Optimizer subscribers. For active trading, please ask about Howard Capital Management s money management services, which are offered apart from the HCM 401(k) Optimizer program (

32 32 HCM 401(k) Optimizer Disclosure The HCM 401(k) Optimizer program is an advice-oriented program designed to help clients invest in their employer s 401(k) or similar defined contribution plan. Clients receive professional recommendations from Howard Capital Management, Inc. and maintain total control over their personal accounts. The goal is to reduce risk by taking proactive measures with company-sponsored retirement plans. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals may materially alter the performance, strategy and results of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment (including the investments and/or investment strategies recommended by the advisor), will either be suitable or profitable for a client s investment portfolio. Past performance is no guarantee of future results. Please work with your financial advisor to determine which investment program is consistent with your financial objectives and risk tolerance. Fees and costs are disclosed in Form ADV Part II and the HCM 401(k) Optimizer Program Agreement. Please refer to these documents for any questions. This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission of Howard Capital Management, Inc. Advisory services offered through Howard Capital Management, Inc Howard Capital Management, Inc.