Investment Consulting Advice for Your Retirement Plan

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1 401(k) consulting august 2013 Investment Consulting Advice for Your Retirement Plan Summary The BenefiTS of a Proven ProceSS An employer sponsored retirement savings plan gives those who work for your organization the chance to prepare successfully for their retirement. As a plan sponsor, you work towards this vital goal while adhering to the standards that ERISA* lays out for fiduciaries, which are among the most rigorous in the US legal system. Backed by the global resources of Morgan Stanley and with specific training in the standards of financial prudence and fiduciary requirements you must meet, a Graystone Consulting Institutional Consultant can provide you with a reliable process to create and regularly update your plan s investment policy statement, choose and monitor the plan s investments, conduct service provider searches, provide customized benchmarking reports, and share best practices in working with an investment committee. Our goal is to help you deliver a robust set of investment choices and a first-class experience to plan participants. Since 1973, Morgan Stanley s Consulting Group has been delivering investment consulting services to plan sponsors. Our process can deliver a customized strategy that meets your specific requirements. evaluation investment management Needs Assessment Benchmarking Provider Search Investment Policy Statement Investment Selection Investment Monitoring Enrollment Meetings and Participant Education Strategic Enhancements Ongoing Education Seminars plan participation Issue Resolution Fiduciary Audit File plan management * Employee Retirement Income Security Act of 1974

2 401(k) consulting A Process Built on Experience Plan sponsors are legally charged with demonstrating prudence in the selection, evaluation and monitoring of investment decisions. This encompasses a responsibility to address many factors, including asset classes, investment styles, correlation, volatility, portfolio construction, securities overlap and style drift. To assist Plan Sponsors with their fiduciary responsibility we provide non-discretionary consulting services as a fiduciary under Section 3(21) of ERISA with respect to the investment advice we provide. Our disciplined six-step investment process has been used by thousands of plan sponsors to fulfill their responsibilities. Graystone Consulting Institutional Consultants with specific training deliver objective, independent advice, give participants a robust set of choices and help you, the Plan Sponsor, get the best value for the benefit dollars you are spending. Success in meeting those goals has made us a leader in institutional investment consulting services, including defined contribution consulting, with $192 billion in advisory assets as of December 31, Analyze The Specific Needs Of Your Plan Before making recommendations, we carefully examine the history of your business and goals for your plan. We analyze the demographics and investment behavior of your employees, as well as the plan s current investment options. We also review the process for offering customized model portfolios if you choose to offer them as an alternative to participants, as well as all costs associated with your plan. Provide Guidance About Your Investment Policy Statement A well-crafted, prudently maintained investment policy statement, or IPS, helps guide all aspects of your plan s decisions on investments. Having such a statement is a best practice in the industry and provides evidence of fiduciary due diligence in the event of an audit by the Department of Labor. Your IPS should include several essential elements: criteria used to select your plan s asset classes and investment styles benchmarks to help evaluate the fund procedures followed and frequency needed for fund evaluation process required to remove funds or add new ones Recommend Investment Funds We draw on the strength, resources and experience of the Consulting Group Investment Advisor Research team to evaluate investment manage- 2 morgan STanley 2013

3 401(k) consulting ment firms. This team is composed of more than 20 experienced manager evaluation analysts who are trained and experienced in assessing the merits of the thousands of investment firms available today. The group maintains an extensive list of researched and screened investment funds that are approved for our Graystone Consulting Institutional Consultants to recommend for your Plan s fund line up. We also assist your plan administrator or record keeper in communicating information about new funds and in preparing employee investment education materials. Recommend Asset Allocations Once the IPS has documented overall plan objectives, we leverage our firm s proprietary market research to select specific asset classes and investment styles. Since many participants prefer to use model portfolios to manage their retirement savings, we recommend weightings for these portfolios as well as the funds that can be used to populate them. Monitor Fund Performance To provide you with clear and comprehensive reporting, Morgan Stanley uses investment analytic software that has been customized for our clients and combined with our proprietary mutual fund screening and research. Your reports will contain a detailed review of the investment options currently available in your plan s menu which can be integrated with your plan s investment policy criteria. This allows you to very quickly and clearly see which investment policy criteria the funds are meeting in the Scorecard section of the report. In addition to performance monitoring, your reports may display statistical information on your mutual funds, Morningstar rankings and information, mutual fund profiles for each of your investment options, and market commentary from Morgan Stanley Wealth Management s Global Investment Committee. Investment options which may need further review can be singled-out on the report in the section that highlights your plan s Watch List. This is an important aspect of our monitoring process and the report provides the documentation necessary for your audit file. Analyze Service Providers There are many companies that provide services to retirement plans. Recordkeeping services and features, communications, investment flexibility, compliance and fees are some of the important factors to consider when evaluating the capabilities of these providers. Your Graystone Consulting Institutional Consultant can help make sure that your current providers can adequately meet your needs and recommend alternative providers if necessary. Benchmarking Services and Fees The ERISA section 408 (b)(2) regulations that the Department of Labor introduced in 2012 require that plan fiduciaries determine that the service provider fees paid by the retirement plan are reasonable in relation to the services being provided. Morgan Stanley s Benchmarking Report analyzes the data so that you can assess the value of the services you are receiving. Optimize Participant Experience Educating employees is one of the most important ingredients of a successful plan. We can work with you and your recordkeeper to develop a communication plan designed around your company s demographics and deliver general financial and investment information relating to such concepts as risk and return, diversification, asset allocation and historical rates of return. Since many people prefer not to make individual investment elections, we can also provide you with a range of model portfolios designed to meet a spectrum of needs. The goal is to empower your employees to make informed investment decisions that can help them achieve their individual retirement goals. Working With A Graystone Consulting Institutional Consultant The process we have refined over many years of experience supports you in fulfilling the extensive responsibilities of a fiduciary, maximizing your resources and most importantly helping employees retire with dignity. We look forward to working with you to create a customized strategy for your plan. morgan STanley

4 graystone consulting meet our team Greg Simakas, CIMA Senior Vice President, Institutional Consulting Director Mr. Greg Simakas is based out of Graystone Consulting s Pittsburgh, Pennsylvania office and has over 25 years of institutional consulting experience, all of which have been with Graystone Consulting. He serves as the co-director for the Graystone Pittsburgh/Cleveland Team. Mr. Simakas assists in areas of investment policy, asset allocation, performance evaluation, risk management, manager selection and oversight for the entire team. He earned a Certified Investment Management Analyst (CIMA ) designation from the Wharton School of Business and received his Bachelor s degree in business management from Kent State University. John A. Bello Senior Vice President, Institutional Consulting Director Mr. John A. Bello is based out of Graystone Consulting s Westlake, Ohio office and has over 25 years of institutional consulting experience, joining Graystone Consulting two years ago. He is the co-director of the Graystone Pittsburgh/ Cleveland Team. Mr. Bello specializes in non-profits, foundations and endowments, pensions and Defined Contribution Plans. He holds a Bachelor s degree in finance from Kent State University. Charles Snyder, QPA, QPFC, CRPS Senior Vice President, Corporate Retirement Director Mr. Charles Snyder is based out of Graystone Consulting s Westlake, Ohio office and has over 25 years of instiutional consulting experience, joining Graystone Consulting last year. He leads the team in technical retirement plan design, regulatory compliance issues and vendor negotiations. Mr. Snyder received his Bachelor s degree in accounting from the University of Akron. Anthony Smulski, CIMA Associate Vice President, Institutional Consultant Mr. Anthony Smulski is based out of Graystone Consulting s Pittsburgh, Pennsylvania office and has over 12 years of investment experience, all of which have been with Graystone Consulting. He is part of the asset allocation committee and leads manager research efforts for traditional and alternative strategies for the Graystone Pittsburgh/Cleveland Team. Mr. Smulski specializes in custom asset allocation plans for foundations and endowments; establishes investment policies for Taft-Hartley and ERISA clients; works primarily with foundations, endowments and retirement plans; heads up alternative investment research and discretionary services. He holds the Certified Investment Management Association designation (CIMA) from IMCA and received his Bachelor s degree in molecular biology from Cornell University. Todd Simakas, CFP Vice President, Institutional Consultant Mr. Todd Simakas is based out of Graystone Consulting s Pittsburgh, Pennsylvania office and has over 15 years of investment experience, all of which have been with Graystone Consulting. He serves as an Institutional Consultant and heads up Business Developement and Client Relations for the office. Mr. Simakas specializes in servicing institutional clients, including Taft-Hartley, non-profit and corporate retirement plans. In addition to establishing investment policies for Taft-Hartley and ERISA clients he also implements strategic and tactical asset allocation models. Mr Simakas obtained his Certified Financial Planner in 2007 and studied at Penn State University, Behrend Campus.

5 graystone consulting meet our team Joshua S. Dautovic, QPFC Chartered Retirement Plans Specialist TM, Institutional Consultant Mr. Joshua S. Dautovic is based out of Graystone Consulting s Westlake, Ohio office and has over 10 years of investment experience, joining Graystone Consulting last year. He is a retirement specialist on the Graystone Pittsburgh/Cleveland Team specializing in ERISA based retirement plans. He is responsible for investment analysis and fiduciary governance. Joshua also provides plan benchmarking and vendor search services. Mr. Dautovic received his Bachelor s degree in finance from Ohio University. Brian Mackert, CMFC Research Analyst Mr. Brian Mackert is based out of Graystone Consulting s Westlake, Ohio office and has over 14 years of investment experience, joining Graystone Consulting two years ago. He conducts manager research, performance analytics, asset allocation modeling, financial planning and retirement plan consulting for the Graystone Pittsburgh/Cleveland Team. Mr. Mackert specializes in investment manager research for defined benefit plans, foundations, retirement plans and endowments. He helps create customized reporting for ERISA clients; working primarily with foundations, retirement plans and institutional corporate plans. He holds the Chartered Mutual Fund Counselor designation (CMFC) from the College for Financial Planning and a Masters in Finance from Cleveland State University. Mr. Mackert received his Bachelor s degree in History/English from Allegheny College. Nicholas M. High Consulting Group Analyst Mr. Nicholas M. High is based out of Graystone Consulting s Pittsburgh, Pennsylvania office and has over 13 years of investment experience, 9 of which have been with Graystone Consulting or its predecessor firm. He is an analyst for the Graystone Pittsburgh/Cleveland Team, responsible for performance monitoring and asset allocation design and monitoring, execute/implement client portfolio rebalancing action items. He specializes in Equity research, investment manager research and due diligence, performance measurements, investment policy statement design and implementation, securities trading for firm-custodied assets. Mr. High received his Bachelor s degree in finance from The Pennsylvania State University. Lisa Hohman Senior Registered Service Associate Ms. Lisa Hohman is based out of Graystone Consulting s Pittsburgh, Pennsylvania office and has over 14 years of investment experience, 7 of which have been with Graystone Consulting. Ms. Hohman is a senior registered services associate for the Graystone Pittsburgh/Cleveland Team and is responsible for handling the day-to-day management of clients and the team. Christopher Olszewski Senior Registered Client Service Associate Mr. Christopher Olszewski is based out of Graystone Consulting s Westlake, Ohio office and has over 15 years of investment experience, joining Graystone Consulting two years ago. He is a senior registered services associate for the Graystone Pittsburgh/Cleveland Team and is responsible for handling the day-to-day management of clients and the team. Chris is experienced in Defined Contribution enrollment. Mr. Olszewski received his Bachelor s degree from Mercyhurst University.

6 Investments and services offered through Morgan Stanley Smith Barney LLC. Member SIPC. Consulting Group and Graystone Consulting are businesses of Morgan Stanley Smith Barney LLC PS-478 CS /13

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