ADVANTAGETHE PENTEGRA 403(b)

Our specialized approach and depth of resources can help you deliver distinct retirement plan

solutions for your not-for-profit clients.

ADVANTAGE: YOURS

Retirement plan solutions should be as individual as the clients you serve.

At Pentegra Retirement Services, we recognize the unique needs of the not-for-profit client, and work

closely with advisors to develop customized retirement plan solutions that help your clients achieve their

retirement plan goals.

Our 403(b) Advantage is a flexible retirement plan solution designed to meet the unique needs of not-for-profit

organizations. With 403(b) Advantage, we bring together the expertise, fiduciary perspective, resources and

tools that make it easy for you to offer your clients a true retirement plan solution to the regulatory, compliance

and fiduciary burdens facing plan sponsors today.

Pentegra Retirement Services is focused on developing exceptional retirement plan

solutions for not-for-profit organizations.

DIFFERENCE: US

expertiseAt Pentegra, our comprehensive not-for-profit retirement plan solutions are designed to enhance your

services.

Among the benefits of working with Pentegra is our familiarity with the challenges that not-for-profit plan

sponsors face today, particularly when it comes to maintaining a retirement plan. Our depth and breadth of

experience allows us to design retirement plan solutions that build confidence for your clients and their

employees.

We’ll work with you to design retirement plan solutions that complement your strengths while

meeting the needs of every client you serve. Our consultative approach, fiduciary perspective and

extensive plan design expertise support your client relationships by delivering solutions that enhance

your value to your clients.

We offer the bench strength and resources to help you make every plan a success. With an average of

20+ years of experience in the retirement plan industry, our team is well-versed in the intricacies of

today’s regulatory climate. You’re at the forefront of the relationship, but we’re behind you every step

of the way.

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expertise

Our expertise is your expertise.

That’s an advantage.

supportWe are passionate about service—especially about making the complex business of retirement plans simple for you

and your clients. That’s why we provide an advisor-centric Dedicated Relationship Management Team backed by

in-house attorneys, actuaries, consultants and compliance specialists who are knowledgeable, experienced

and trained to handle the complex regulatory issues surrounding not-for-profit retirement plans.

We partner with you to deliver the services and tools to help you build your business with a proactive

service strategy that includes planning, problem solving, plan reporting and review. At every level, our staff

is cross-functionally trained and works in a team environment with full back-up capabilities. We offer an

exceptionally professional resource for your retirement practice.

We tailor our relationship to meet your preferences, recognizing the importance of your role as a Registered

Investment Advisor and the advice you offer retirement plan participants. That’s why our program offers the

flexibility to include your financial planning and educational services. We look to you to help us ensure that

every participant reaches their retirement plan goals.

RETIREMENT PLAN SERVICES

Plan Design • Plan Consulting • 3(16) Plan Administration Services • Daily Valuation Recordkeeping •

Annual Plan Review & Reporting Packages • Legal Support • Plan Audit Support • Actuarial Services •

Custodial Services • Sponsor & Participant Communications • Comprehensive Compliance Services •

Regulatory & Technical Updates • Government Reporting, including Signature ready 5500 • 3(38)

Investment Fiduciary Services • Trustee Services • Plan Education & Enrollment Materials • Pentegra Partner

Online 24/7 Access for Advisors, Sponsors & Participants• Retirement Modeling & Planning Tools • Ongoing

Communication & Education Materials • Internal & External Sales Support

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Where every client is as important to us as they are to you.

That’s an advantage.

support

fiduciary reliefAs a retirement plan fiduciary for nearly 70 years, Pentegra offers the advantage of insights and experience

gained in this unique role, and the benefit of industry best practices for fiduciary standards.

With every plan, we seek to design solutions that remove fiduciary and administrative burdens from

employers. The Pentegra 403(b) Advantage provides fiduciary relief on every level. Today’s regulatory and

compliance challenges make fiduciary oversight more important than ever before. We offer a level of plan

oversight and compliance confidence that’s unmatched in the industry.

As one of the nation’s longest-serving fiduciary service providers, Pentegra offers your clients compliance

confidence. We can act as an ERISA 3(38) investment manager, an ERISA 3(16)(a) fiduciary administrator, or

as a full scope ERISA-Named Fiduciary. You choose the services that are right for you and your client.

For advisors who want to outsource investment fiduciary responsibility, our 403(b) Advantage Investment Select List

offers complete ERISA 3(38) fiduciary liability protection, under which we assume responsibility for the investment

management process. Our Investment Select List offers style-specific alternatives across the investment spectrum.

We evaluate, identify, select and monitor all of the investments on our Select List so that you can offer a sound,

documented fiduciary process that includes ongoing monitoring and performance reporting.

Investment Fiduciary Services

• Investment Policy Statement • Investment Evaluation and Selection

• Ongoing Monitoring of Funds • Performance Reporting

• Investment Menu of Broadly Diversified Options

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Comprehensive fiduciary relief.

That’s an advantage.

fiduciary relief

valueWe are independent—unique among retirement plan providers—which frees you to work with your

clients to structure the best retirement program for their needs. Our goal is to provide plan capabilities

typically reserved for only the largest corporate and public organizations at the lowest possible cost, without

compromising the quality of plan services. As an independent provider, we can do just that, with a fee structure

that keeps retirement plan costs low and transparent—for you and your clients.

The Pentegra 403(b) Advantage. A value-driven approach that delivers the expertise, fiduciary perspective,

resources and tools that make it easy for you to offer your clients a true retirement plan solution to the

regulatory, compliance and fiduciary burdens facing not-for-profit plan sponsors today.

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value

3 Enterprise Drive, Suite 105 Shelton, CT 06484-4694 800•872•3473 tel 203•925•0674 fax www.pentegra.com

© 2012 Pentegra Retirement Services