April 29 - May 2, Hyatt at the Bellevue Philadelphia, PA

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1 April 29 - May 2, 2013 Hyatt at the Bellevue Philadelphia, PA

2 Who Should Attend? Fusion in Philly is intended to be a collaborative and interactive symposium. The IRA Academy is designed for both the seasoned veteran and those entering the IRA arena. Instruction on use of the Internal Revenue Code and Regulations will provide the basis for developing the skills necessary to administer the complex Plans. Sessions will provide a comprehensive review and practical application of both Roth and Traditional IRA rules. By bringing together senior operational managers from national financial institutions and experienced Certified Financial Planners, the Employer Plan Institute provides a forum for an exchange of expertise on operational, fiduciary and regulatory concerns in a changing marketplace. Financial Advisors will benefit from the insightful interchange that will occur throughout the conference, helping to build the cornerstone of a solid retirement business model. If you have attended PenServ s conferences in the past you know that we try to customize segments of the conference to cover your specific issues or questions. Please take a moment to complete the section of the Registration Form that requests your input and we will make every effort to include your topic for discussion.

3 IRA Academy Agenda Employer Plan Institute Agenda Traditional IRA Fundamentals Historical Perspective Reference Materials General Definitions Compliance Issues Eligibility and Contributions Eligibility Requirements Spousal IRAs Deductibility Contribution Limits Excess Contributions Methods of Correction Case Studies Transfers between IRAs Transfers Incident to Divorce Traditional IRA Distributions General Tax Rules Premature Distributions Basis Recovery (Nondeductible Contributions) Traditional IRA Portability 60 Day Rollovers between IRAs Portability Rollovers from Employer Plans including Nonspouse Rules Conduit IRAs Automatic Direct Rollovers Required Minimum Distributions (RMDs) Age 70½ Death Distributions Roth IRA Contributions Conversions and Reconversions Recharacterizations Distributions and Ordering Rules Roth IRA Rollovers Legislative and Regulatory Update Information Reporting and Income Tax Withholding Qualified Plan Update Plan Types and Eligibility Deferral and Employer Contributions Individual and Plan Limitations Designated Roth Accounts Small Business Plans SEP & SARSEP Update SIMPLE IRA Update Profit Sharing and Money Purchase Plans 401(k)s for Small Businesses Safe Harbor 401(k)s 403(b) Update Final Regulations Summary ERISA Requirements Non-ERISA and Public School Employers Written Plan and Prototype Program Compliance Issues Designated Roth Accounts Portability Rollovers and Direct Rollovers from Employer Plans Nonspouse Beneficiary Options Notification Requirements In-Plan Roth Rollovers Excess Contributions in Employer Plans Correction Procedures Case Studies EPCRS / VFCP / DFVCP Rev. Proc Plan Administration Nondiscrimination Testing Plan Terminations IRS Audit Preparation for and Results Fee Disclosure Fiduciary and Investment Advisor roles and responsibilities Legislative and Regulatory Update Information Reporting...plus any topics suggested by you, the student!

4 Accommodations Hyatt at The Bellevue 200 South Broad Street Philadelphia, PA Discover true grandeur, unrivaled style and service at this iconic downtown Philadelphia hotel. Situated on the famous Avenue of the Arts, Hyatt at The Bellevue (formerly Park Hyatt Philadelphia at the Bellevue) blends old-world architecture with modern amenities. Unwind in the luxuriously oversized guestrooms with posh amenities. Allow the European-style, 24-hour concierge to personally recommend and make arrangements at top restaurants, shows and events. Peruse world-class shops within this landmark building. See why this elite Center City Philadelphia hotel has earned the Hyatt distinction. Special Rates are available for PenServ Plan Services Guests. Single/Double Occupancy Rate $199 Rates are for Single/Double Occupancy. $25 charge per additional guest. Subject to 15.2% tax per night per room Rates Include High Speed Wi-Fi. This special rate applies to reservations made on or before March 28, Reservations received after March 28 th are not guaranteed at this rate. Mention Fusion in Philly 2013 to receive discount rate. Discounted space is limited, so register early! The Hyatt also offers the following upgrades to your room based on availability. Stratford Suites: $50 Additional Avenue Suites: $90 Additional Bellevue Suites: $150 Additional Registrations must be made through the hotel. You can register online by CLICKING HERE

5 Parking and Transportation Hyatt at The Bellevue is a central, accessible location. They are 8 miles from the Philadelphia International Airport (Airport code PHL) and 1.45 miles from the Amtrak train station at 30th Street Station. Airport Transportation: Taxi one-way (flat fee): $28 Lady Liberty airport shuttle (one-way): $10 Hotel clients and guests are able to valet or self-park at the adjoining indoor Bellevue garage. Guests have unlimited in and out privileges at the following overnight rates: Self-parking: $28 Valet Parking: $37 Event Parking for guests attending the training that are commuting daily: The Hyatt is happy to extend $16.00 self parking (valid for up to 10 hours for attendees). The Sporting Club at the Bellevue All overnight guests have complimentary access to The Sporting Club at The Bellevue. The Sporting Club is a 93,000 square foot fitness facility with state-of-the-art cardiovascular and strength equipment, indoor squash, racquetball, basketball court and indoor lap swimming pool. XIX (Nineteen) Restaurant and Café Dine at XIX (Nineteen) Café, Bar and Restaurant atop this Philadelphia luxury hotel with sweeping city views. The Café is a casual, all day dining café featuring their talented chefs preparing an array of menu options, featuring locally grown produce and the freshest seafood, poultry and meat. For lunch, enjoy their prix-fixe menu which includes fresh salads, choice of entrée and dessert display. The Restaurant offers an unparalleled dining experience from the spectacular setting to the seasonally changing menu prepared to perfection.

6 Additional Amenities Shops at The Bellevue Enjoy some of the premiere shops in Philadelphia, without ever having to leave the building! The historic Bellevue is home to a number of the world s most renowned retailers. Monday through Saturday, 10 am 6 pm Wednesday, 10 am 8 pm Sunday, varies by store Additional Dining Options Palm Court Bar and Restaurant Tavern on Broad The Bellevue Gourmet Food Court Amazon Café Angelo s Pizza Ashaho Japanese Bain s Deli Broad Street Prime Salad Works Tine Bo Chinese

7 Philly Attractions Use your smart phone to scan the QR codes below for all kinds of information on things to do during your stay in Philadelphia! Historic Philly Visit Philly Philadelphia on Citysearch Philadelphia on Zagat

8 Connect with the Instructors Susan D. Diehl President PenServ Plan Services, Inc. QPA, CPC, ERPA Susan D. Diehl, the President of PenServ Plan Services, Inc. is a preeminent retirement plan and benefits expert. During her career Susan has served on renowned committees at the Internal Revenue Service (IRS) including the Advisory Committee on Tax Exempt and Government Entities ( ACT ), where she contributed to the formation of the IRS 403(b) Liaison Group that provides support to employers and financial institutions dealing with 403(b) plans. In addition, Susan has been appointed to and proudly participated in various committees at the Department of Labor ( DOL ) including the ERISA Advisory Council, and the Information Reporting Program Advisory Committee. As an authority on retirement plans, Susan continues to testify before the IRS and DOL on retirement plan regulatory issues. Currently, in addition to being a member of The American Society of Pension Professionals and Actuaries ( ASPPA ) and National Tax Sheltered Accounts Association ( NTSAA ), Susan serves on the Leadership Council of the NTSAA, and is the President elect of that Council. Her term will begin in In addition, she divides up her time as Co-Chair of the Government Affairs Committee ( GAC ) at ASPPA, and as an active member on the following committees: Tax-Exempt/Governmental Entities Committee ( NTSAA ), and the Legislative Relations Committee ( ASPPA ). Susan also serves on the editorial team of the 403(b) Advisor Magazine. While Susan is in high demand by the industry, her hands on approach and commitment to PenServ s clients, keep her in direct contact and conversation with them on a daily basis. Susan has earned the prestigious IRS designation of Enrolled Retirement Plans Agent, (ERPA), enabling her to appear on behalf of clients before the IRS. In 2012, Susan was honored with the Bob Schiller Meritorious Service Award for her years of service to and support of NTSAA. As a leader among women, she was awarded the Athena Award for promoting women in business and was inducted to the Athena Hall of Fame in Michigan. In her spare time she volunteers as a host coordinator with the Interfaith Housing Alliance, sheltering and assisting homeless and displaced families find permanent housing.

9 Connect with the Instructors Conni Toth Director of Training & Education PenServ Plan Services, Inc. QKA, QPA Conni Toth, the Director of Training and Education at PenServ Plan Services Inc., brings to our clients more than 26 years of experience in the retirement and benefits field. Conni s work focuses primarily on training retirement plan professionals on highly regulatory and technical matters. Conni is the expert trainer of trainers at various financial institutions on intricate matters including Qualified Plans and Everything IRA. She has earned and maintains credentials as a Qualified Plan Administrator (QPA) and Qualified 401(k) Plan Administrator (QKA) issued by the American Society of Pension and Professionals and Actuaries ( ASPPA ). Conni has held FINRA series 6, 7, 24, 26 and 66 registrations. Conni is also the co-author of The 403(b) and 457 Plan Requirements Handbook. As a retirement expert, Conni has lectured at John Marshall School of Law s Employee Benefits LLM Program. Prior to joining PenServ, Conni co-founded and managed a company serving the retirement and benefits market segments. She also served in various key capacities for over 20 years at a major financial institution. Prior to that, she spent 8 years in customer service and commercial lending with major banks. Conni attended Indiana University and University of Indianapolis focused on her BS of Business Administration while furthering her education at Indiana Wesleyan University.

10 Continuing Education Conference qualified for up to 25 CE credits! See details. PenServ is registered with the Certified Financial Planners Board of Standards, Inc. CFP Course Credit and a Certificate may be requested upon course completion. The Institute of Certified Bankers (ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. IRA Academy has been approved for 21 CISP, 21 CRSP, 21 CTFA credits. CTFA credits will be distributed as follows: 21 FP. This statement should not be viewed as an endorsement of this program or its sponsor. PenServ is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE Credit. Complaints regarding registered sponsors may be addressed to: National Registry of CPE Sponsors 150 Fourth Ave. North, Ste. 700 Nashville, TN, Certificates approved by NASBA may be requested upon course completion. Session Topic Number of CPE s IRA Academy 25 Small Business Plans 1.5 Qualified Plan Update Including 401(k) Plans Plans and Governmental 401(a) Update 2 Correction of Excesses 2 EPCRS and VFCP (b) Plans 3.5 Portability 1.5 Plan Administration 2 Fiduciary and Investment Advisor 1.5 Legislative and Regulatory Update 2 Information Reporting and Income Tax Withholding 2 NO PREREQUISITES OR ADVANCED PREPARATION REQUIRED For more information regarding refund, complaint and/or program cancellation policies please contact our offices at: PenServ Plan Services 420 Dresher Road Suite 100 Horsham, PA

11 About PenServ PenServ is a national pension design and consulting firm with offices in Philadelphia, Pennsylvania, Columbia, South Carolina and Fort Wayne, Indiana. PenServ specializes in providing retirement plan products, support services and training programs to financial organizations and practitioners across the nation. PenServ Plan Services has three distinct divisions in order to better serve our customers. Technical Division Plan Administration Training Division PenServ s Technical Division offers a wide range of retirement plans and services including IRAs, SEPs, SIMPLE Plans, Qualified Plans, 401(k)s, 403(b)s, 457s, non-qualified plans and HSA documents. As a mass submitter, PenServ has designed a variety of IRS-approved standardized and non-standardized retirement plans. Our plans are designed to accommodate all employers, from sole proprietors and partnerships to large corporations. PenServ has over 100 different retirement plan documents, administrative forms and marketing brochures. The retirement plan support services available through PenServ include a technical hotline for immediate answers to your retirement plan questions, an informative monthly news publication and a full library of technical desktop reference manuals that are periodically updated throughout the year. PenServ s Plan Administration Division offers plan administration services that include voice response, participant and plan sponsor Web access, electronic trading and participant communication/enrollment programs. Our Plan Administration Division emphasizes service to participants, employers and consultants. Our client service area adheres to strict guidelines for responding to telephone calls, participant requests and employer questions. Each plan is assigned a team consisting of the relationship manager, a plan assistant to service the day-to-day transactions in the account, and a distribution specialist to process loans, hardships and benefit payments. This ensures the quality of service and a level of knowledge assigned to every plan. PenServ conducts a wide variety of training programs. These programs, offered at various regional locations, enable organizations to equip their staff with current and accurate information about the constantly changing retirement plans industry. These educational programs include multiday lecture type seminars, workshops specifically designed to cover PenServ plan documents, advanced three and four day in-depth discussions through PenServ s conferences, customized in-house training programs, and periodic webinars covering hot topics.

12 Connect With Us There are several ways you can submit your completed registration form. Mail to: PenServ Plan Services, Inc. 420 Dresher Road Suite 100 Horsham, PA Fax to: to: If you have any questions, please feel free to contact me, Eileen King, directly at x5042 We look forward to seeing you in Philadelphia! Download Registration Form Here Please note, the link will download a zip file containing the registration form. Once the zip file has downloaded, you will need to unzip it.

13 MKTG1303 Rev. 1/4/2013 Presented by: PenServ Plan Services, Inc. 420 Dresher Road Suite 100 Horsham, PA P: (215) F: (215)