Triple Solutions Program. Flexible Advisory Support for Participants

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1 Triple Solutions Program Flexible Advisory Support for Participants

2 The Triple Solutions Program is a way to help your participants prepare for retirement. Your plan participants, like all investors, are individuals. They don t share the same investment goals or level of financial knowledge nor do they all want to manage their retirement plan accounts. As a plan sponsor, you want to provide as much support as possible to help your participants save and invest wisely for retirement. With the Triple Solutions Program, you can provide participants with a choice of three levels of service. Each level includes advisory support, tools and personalized investment help. Your participants get assistance in reaching their retirement savings goals regardless of the amount in their account or their financial know-how. With such a personalized approach, our Triple Solutions Program has the potential to make your retirement plan an attractive benefit for your employees.

3 Multiple Support Levels That Can Enhance Your Retirement Plan The Triple Solutions Program can make it easier for your participants to reach their retirement savings goals. Your plan participants select the level of support that s right for them: basic online investment guidance, intermediate online investment advice or a fully-managed account. ONLINE INVESTMENT GUIDANCE For portfolios designed and managed by the participant. With access to online asset allocation and gap analysis, as well as retirement savings-rate, retirement-date and retirement-income information, we provide online tools so participants can make their own choices and manage their accounts. Through your plan s website, participants have access to financial worksheets that identify risk tolerance and retirement planning objectives. While Online Investment Guidance doesn t provide specific investment recommendations, participants will receive personalized asset allocation information based on their input. They can then use this information to select investments to help build their portfolio. MANAGED ACCOUNT SERVICE For portfolios designed and managed by investment professionals. Participants who want professionals to design and manage their retirement investment portfolio, a Managed Account is the right option. This support level provides tailored portfolio construction based on a participant s financial situation. An asset-based annual fee is deducted from the participant s plan account in quarterly installments. Participants who choose Managed Accounts receive personalized investment choices selected from the plan s available funding options. Managed Accounts are continually monitored and rebalanced quarterly, in accordance with market performance and changes in the participant s circumstances. Managed Account participants benefit from our Participant Advisory Service Center, staffed with investment adviser representatives who can provide both technical support and personal guidance. ONLINE INVESTMENT ADVICE For portfolios designed and managed by the participant with third-party advice. Participants receive features of Online Investment Guidance, plus tailored recommendations for investors who want help building their portfolio. A flat annual fee is deducted from the participant s plan account in quarterly installments. Through your plan s website, participants provide information about their financial situation and retirement savings goal. They receive personalized, investment-specific recommendations based on the funding choices available through your plan.

4 FIDUCIARY SUPPORT As the federally registered investment adviser for the program, Advised Assets Group, LLC (AAG) acts as a fiduciary for Online Investment Advice accounts and Managed Account service. AAG partners with Morningstar Investment Management LLC, AAG s independent financial expert, for the advisory services program offered to participants. QUALITY TOOLS AND SERVICE As a plan sponsor using our Triple Solutions Program, you gain access to the knowledge and experience of industry leaders who created and support the Triple Solutions Program. The methodology behind the platform tools is provided by Morningstar Investment Management LLC, a recognized industry leader in asset allocation and investment analytics, and made available by MetLife as part of its ongoing commitment to providing innovative retire ment plan services to institutions and individuals. Besides investment help, the program provides additional information for participants, such as retirement savings-rate, retirement-date and retirement-income recommendations. ATTRACT AND RETAIN EMPLOYEES By offering the Triple Solutions Program as part of your plan, your benefits program can grow more attractive to current and potential employees helping you obtain and retain top talent in your organization. Most importantly, our Triple Solutions Program helps encourage employees to participate in the plan to build the assets they ll need in retirement. FEE STRUCTURE The Triple Solutions Program enhances the overall value of your retirement plan with no added cost to you. The competitive online investment advice and managed account fees are paid by plan participants, unless you elect to pay for all or a portion of the annual participant fees. About MetLife Resources Metropolitan Life Insurance Company (MLIC) is a leading provider of insurance and other financial prod ucts and services to millions of individual and institutional clients throughout the United States. MetLife Resources, a division of Metropolitan Life Insurance Company, specializes in providing retirement program products and services to employers and employees in the education, healthcare and nonprofit markets.

5 TRIPLE SOLUTIONS PROGRAM INVESTMENT SUPPORT LEVELS Here s a look at our three support levels for the Triple Solutions Program: Online Investment Guidance Online Investment Advice Managed Account Description A portfolio designed and managed by the participant. A portfolio designed and managed by the participant with third-party advice. A portfolio designed and managed by Investment professionals. Participant Profile Support Provided Personalized asset allocation and retirement savings- rate information based on age, contribution rate, salary, retirement date, income factors and other assets. Seeking some guidance and access to online investment tools and research, but who want to make their own investment decisions. Seeking investment professional advice and specific investment recommendations, but who want to make their own investment decisions. Lacking time, knowledge or interest in managing their own portfolio and would rather have investment professionals manage. Participants select the investments and manage their own portfolios. Participants receive specific investment information to make their own decisions. Participants receive a professionally-managed portfolio based on age, contribution rate, salary, retirement date, income factors and other assets. Services and Tools Asset allocation information Investment-specific advice Personalized retirement readiness forecast (accumulation) Personalized retiree spenddown projection Access to 24/7 online technical assistance Personal service from a dedicated education center Automated portfolio monitoring and rebalancing Enrollment, transactional, quarterly and annual participant communications Program Access Online1 Paper Phone Program Fees None Flat annual fee, deducted from participant s plan account in quarterly installments. 2 Annual fee based on account balance; deducted from participant s plan account in quarterly installments. 2

6 Retirement Benefits Simplified. 1. Except for regular maintenance, equipment failures and unplanned outages. 2. Unless the plan sponsor elects to pay for all or a portion of the annual participant fee. metlife.com Triple Solutions Program is offered by Advised Assets Group, LLC (AAG), a federally registered investment adviser. More information can be found at All rights reserved. Advised Assets Group, LLC ( AAG ), is not affiliated with MetLife, and is solely responsible for its advice. Advised Assets Group, LLC (AAG) uses Morningstar Investment Management LLC (Morningstar Investment Management) to provide sub-advisory services. AAG and Morningstar Investment Management are federally registered investment advisers. Morningstar Investment Management LLC is a subsidiary of Morningstar, Inc. Morningstar Investment Management LLC and Morningstar, Inc. are not affiliated with Advised Assets Group, LLC, its parent company Great-West Life & Annuity Insurance Company, or any other affiliated companies and/or subsidiaries. There is no guarantee that participation in the program will result in a profit, or that a program participant s account will outperform a plan account that is not in the program. The services described herein are provided by AAG pursuant to, and subject to, an agreement entered into by AAG and the plan sponsor. In order to enroll in this program, the participant will be required to enter into a separate agreement with AAG. MetLife Investors Distribution Company (MLIDC), (member FINRA), a MetLife company, is paid a fee equal to 15 basis points (0.15%) on the assets advised in Managed Accounts and $10 for each participant in Online Investment Advice for solicitation and administrative services provided by MetLife and MLIDC for AAG. MetLife does not sponsor any mutual funds offered under its platforms, and provides clients full disclosure regarding any administrative services fees that may be received from third party mutual fund advisors or their affiliates. MetLife and/or its family of companies receive fees from the fund families or their affiliates for administrative, distribution and recordkeeping services. Securities, including variable products, are distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC is a MetLife company and not affiliated with AAG. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. MetLife Resources is a division of Metropolitan Life Insurance Company (MLIC), a MetLife Company, 200 Park Avenue, New York, NY Neither MetLife Resources, MLIC nor MLIDC are affiliated with AAG. Metropolitan Life Insurance Company New York, NY MLR L [0419] 2017 METLIFE, INC.