410 Park Avenue, Suite 1530410 Park Avenue, Suite 1530410 Park Avenue, Suite 1530

New York, NY 10022New York, NY 10022New York, NY 10022

917.254.4333917.254.4333917.254.4333

NESTEGGS 401(k) Savings Plan

Principal Guarantee and Low Cost 401(k) Retirement Plan

Table of Contents

• Current 401k Plan Market

• NestEggs 401k Plan

• Fidelity Institutional FundsNetwork®

• Enrollment and Outreach Enterprise Solution

Programs & Services

Retirement Plans:

•403(b) Annuity and 457 Deferred Compensation Plans•Defined Benefit Pension Plan•Money Purchase Pension Plan•Profit Sharing Plan (Standard, Age Weighted and Cross-Tested)•401(k) Plan (Standard, Safe Harbor and Roth 401(k) Plans•Simplified Employee Pension Plan (SEPP)•IRA (Regular, Rollover, Roth & Education

Benefit Programs:

•Employee Incentive or Bonus Plan•Section 125 Plan (Cafeteria Plan)•Flexible Spending Account (FSA)•Benefits Evaluation•Employee Handbooks•Benefit Communications/Enrollments•Health Savings Account (ESA)•Health Reimbursement Account (HRA)•Health Insurance (Group and Individual)

Key Employee & Executive Benefit Plans:

•Directed Deferred Compensation Plan •Standard Deferred Compensation Plan (nonqualified)•Supplemental Income Plan (SIP)•Supplemental Executive Retirement Plan (SERP)•Rabbi Trust or Secular Trust•Section 79 Executive Benefit Plan

Financial Planning:

•Retirement Income Evaluator•Asset Allocation Modeling•Investment Policy Statement•Executive Financial Planning •Executive Compensation Planning •Asset Protection Planning •Business Succession Planning•Investment Planning•Estate Planning•Retirement Planning•Risk Management Planning

Shifting Demographics & the Importance of the 401(k)

Census forecasts show from 2009–2035 more and more baby–boomer workers will reach age 65.

Number of American workers supporting Social Security continues to decline.

In 1940 there were 41.9 workers to 1 retiree In 1998 there were 3.4 workers to 1 retiree In 2030 they expect only 2.1 workers to 1 retiree*

In 1980, 46% of American workers depended on a pension.Today, fewer than 17% of American workers have a pension.

In1983, 13.9% of America companies replaced the pension plan with the 401k By 2004 that number has steadily climbed to 62.7%**.

*Source: 2002 Annual Report of the Board of Trustees of the Federal Old Age and Survivors Insurance and Disability Insurance Trust Funds Tables IV.B2 and V.A4.

**Source: Center for Retirement Research at Boston College, March 2006.

Participants Need GuaranteesWith Their Retirement Account

Plan participants want safety and guarantees for their retirement nest egg.

Second time in decade retirement assets drained from market decline(2001- 02 & now 2007- 08)

The 2000 Tech bubble took 7 years and 2 months (March 2000-May 2007) for the S&P 500 Index to fully recover.*

Plan participants want a way to remove uncertainty about retirement and make decisions about retirement without vulnerability to market cycles.

*Source: Yahoo Finance. Data as of March 31, 2008.

Introducing Guaranteed Income for Life

Traditional asset allocation models are not enough to ensure a retirement nest egg will survive market volatility and provide consistent income through retirement.*

NestEggs 401(k) plan includes Fixed Index Annuity that guarantees participants:

I. Downside protectionII. Upside potentialIII. Income for life

* MFC Global Investment Management (a subsidiary of Manulife Financial), Strategic Asset Allocation team, 2007.

Retirement

Longevity Management

Income to SustainQuality of LifeAsset

Protection

Transfer

Asset Gathering

958575676562554535

Age of Consumer

401(k) , Profit Sharing, Thrift & Savings, Group Keogh, DC Pension, Section 457, 403(b) Plans

IRA

Mutual Funds, ETFs

Managed Accounts

Annuities

Life Insurance

Accumulationand Protection

Income Distributionand Preservation

529 College Savings Plan

Retirement Planning - We Manage Both Sides of the Curve

ADDING GUARANTEES TO THE MIX

1. 401(k)’s have become 201(k)’s

2. Baby boomers may not be able to retire; retirees worry about drawing down

3. Target-date strategies are important but do not offer guarantees

4. Asset Management and Fixed Index Annuity (FIA) creates a perfect union for retirement savings.

Asset allocation provides diversification and risk control

Insurance covers market risk, longevity, potential growth, guaranteed life-time income

FINEXMD MANAGES ALL THREE SIDES OF THIS HYBRID PLAN

NestEggs 401(k) PlanFidelity Institutional FundsNetwork®, Allianz Fixed Index Annuity

Fidelity Self-Directed Brokerage

Institutional FundsNetwork® Fixed Index Annuity

Institutional FundsNetwork© can help streamline the management of complex retirement plans involving multiple fund

families, helping organizations to level the playing field with larger bundled plans. Over 400 fund families and 12,000 mutual funds

Fixed index annuity comes with a premium bonus. Principal and Bonus are never subject to market index risk. A downturn in the market index will not

reduce contract values. When the market is up, the value of the annuity can also increase that’s because at

year-end you get 100% participation in potential index credits.

Fidelity Institutional FundsNetwork®, Allianz Fixed Index Annuity

NESTEGGS 401(k) BENEFITS

5% BONUS on all pre-tax contributions and on other retirement plan assets, e.g. SEP, Current and Former 401(k), IRA

Guaranteed principal protection with full participation in the S&P 500 Index

Custom designed income plans for each participant

Low monthly RIA fee of 4BPs (0.48BPs annual)

No transaction fee Mutual Funds with Low Investment Expenses

Private labeled on-line enrollment tools, risk tolerance, retirement income needs analytics, education and outreach programs

Fidelity’s secure web-site - Daily valuation posting of positions and transactions with quarterly hard copy statements

Cumulative Savings

Longevity Management

Income to SustainQuality of LifeAsset

Protection

Transfer

Asset Gathering

958575676562554535

Age of Consumer

401(k) , Profit Sharing, Thrift & Savings, Group Keogh, DC Pension, Section 457, 403(b) Plans

IRA

Mutual Funds, ETFs

Managed Accounts

Annuities

Life Insurance

Accumulationand Protection

Income Distributionand Preservation

529 College Savings Plan

Retirement Planning - We Manage Both Sides of the Curve

FIA Laddering

Annuity Contract #1

Annuity Contract #2

Annuity Contract #3

Annuity Contract #4

Annuity Contract #5Savings $

Years 1-5 Years 6-10 Years 11-15 Years 16-20

Investment Earnings

Earnings

Time

Income for Life

Chart for illustrative Purposes Only

Years 21-25

Why Use the Ladder Strategy?

Use Laddering to Minimize Interest Rate Risk

Create Steady, Predictable, Guaranteed Income

Manage Cash Flow for Life

Strategic Savings Accumulation

Fund for Life or Long Term Care Insurance

CONTACT INFORMATION

Barry M. FineFinexMD, LLC

410 Park Avenue, Suite1530New York, NY 10022

917.254.4333

bfine@finexmd.comwww.FinexMD.com