NEXTLEVEL(K)

BCJ FINANCIAL GROUP
NEXTLEVEL(K)
A 401(k) Plan for Today and Tomorrow
www.BCJFINANCIAL.com
BCJ Capital Management is a (SEC) registered investment adviser. Information presented is for educational purposes only. It should not be considered specific
investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any
securities or investment strategies. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional
before implementing any strategy discussed herein.
Trusted Business Advisor Group is a (AZ) registered investment adviser. Information presented is for educational purposes only. It should not be considered
specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase
of any securities or investment strategies. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax
professional before implementing any strategy discussed herein.
BCJ Capital Management and Trusted Business Advisor Group are independently owned and operated.
BCJ FG 15-03
Plan Providers

WE ARE YOUR
PARTNER IN
401(k) PLANNING
YOUR 401(k) VAULT
Our years of experience are coupled with a comprehensive
you will have access to your own fi duciary vault, giving you a
resource to store all of the important documents associated with
your NextLeve(k) 401(k) plan. This virtual briefcase is secured,
encrypted and available anytime, day or night.
This system will give plan providers
the ability to store the provided:
Customized Service Plans
Meeting Minutes
Disclosure Documents
Plan Documents
Participant Education Materials
Committee Charter
Investment Policy Statement
Quarterly Market Summaries
Archived 401(k) Advisor Reports:
Fiduciary Investment Reviews
Fiduciary Plan Reviews
Benchmarking Reports
Managing your 401(k) Plan is
Simple With NextLevel(k)

INVESTMENT OPTIONS
Many plan providers think that the more funds they can pack into a plan line-up the better the plan is and the
better the participant outcomes will be. When the reality is much different, too many choices often paralyze
participants and they end up not being able to decide, allocating an equal percentage to each fund in the
lineup or picking last year’s top performing funds.
NextLevel(k) is designed to provide freedom of choice for those that are comfortable developing their own
allocations but at the same time offering solutions for the majority of participants that need additional guidance.
AVAILABLE OPTIONS
OPTION 1
Participants can choose from a menu of funds selected by the NextLevel(k)
investment team. We screen funds available on the open architecture platforms
using the RPAG Scorecard System and provide a select lineup of best-in-class
active and passive index funds. The lineup will also include a full set of
Target Date funds.
OPTION 2
Participants can choose from one of five managed portfolios constructed
and managed by the NextLevel(k) investment team. These models are
designed to give participants a professionally managed, single-choice
option that can match their risk tolerance and return needs.
OPTION 3
Participants can build and manage their own portfolio through a
self-directed brokerage window offered by the custodians in the
NextLevel(k) program. With this option, participants can also retain the
services of an independent investment advisor to manage their portfolio
for them.
Plan sponsors can choose to offer Option 1, Options 1 & 2 or all three with no
additional plan investment advisory cost. With Option 3, most record keepers
charge a nominal additional fee to the plan and each participant.
NextLevel(k) Focus
FEES
NextLevel(k) provides full fee transparency
in contrast to hidden fees often associated
with the majority of 401(k) plans. In addition,
our total plan costs are almost always lower
than the typical insurance company 401(k)
plans. Transparency is critical to your
fiduciary role and lower fees enhance your
plan’s growth.
FEES, FUNDS, FIDUCIARY
FUNDS
As an independent firm, using independent
open architecture providers, we are able to
construct your plan’s fund lineup by screening
thousands of funds and ETF’s. We are able to
use institutionally priced funds regardless of
plan size. We can also construct
professionally managed investment models for
your participants to eliminate the uncertainty
that participants have in picking funds on their
own.
FIDUCIARY PROTECTIONS
Providing a comprehensive retirement plan
for your employees can be complex and
time-consuming, and understanding and
executing your fiduciary responsibility can be
overwhelming. BCJ Financial Group has the
experience and knowledge to support you in
your role as the plan fiduciary, providing a
fiduciary “safe harbor” for your investment
liability. With the NextLevel(k) Retirement
Plan Service Model, you will receive a full
spectrum of fiduciary support including
fiduciary plan reviews, training,
diagnostics and benchmarking.
2014 Back Study Results
Evaluation Period Q4/2011-Q4/2013
Results of the
most recent Back
Study to support
the Scorecard
System as a
process to select
skillful money
managers and
to support the
finding that past
performance is not
indicative of future
returns.
25.00%
20.00%
24.79%
22.89%
20.74%
RUSSELL 1000 VALUE BENCHMARK LARGE CAP VALUE (LCV) SAMPLE AVERAGE OF TOP 9 LCV FUNDS BASED
ON HISTORICAL RETURNS
24.30%
AVERAGE TOP 9 FUNDS BASED ON
SCORECARD SYSTEM
The two year evaluation period was a short horizon and active managers were out
performed by the index. However, the value of going beyond returns was evident in this
Back Study.

PLAN ADVISORS
Your plan advisor is the quarterback of your NextLevel(k) team of experts. Their focus is you and the
plan participants. They will be instrumental in picking your team, coordinating fiduciary and plan
governance support, and provide participant education. They will be your “go to” point of contact.
THE RIGHT FUNDS
FOR THE RIGHT PLAN
INVESTMENT ADVISORS
As the national Portfolio Manager in the NextLevel(k), TBA Group serves as an investment
fiduciary for your plan and provides the plan with the required “Prudent Investment
Process” consistently applied.
As a 3(21) fiduciary, they serve in a
non-discretionary co-fiduciary role and provide
advice for the plan’s investment line-up, qualified
default investment (QDIA) and investment models.
The 3(38) role represents a significant
shift in fiduciary responsibilities and
creates an investment “safe-harbor” for
plan sponsors.
As a 3(38) Investment Manager, they serve
in a discretionary advisor role for selection and
monitoring of the plan’s fund line-up, select the plan’s
QDIA and manage the investment models.
TBA Group is a member of the
Retirement Plan Advisor Group
which provides a fiduciary
investment process to over 28,000
plans and $150 billion of assets
Unbundled Does Not Mean Unmanaged
RECORD KEEPING AND TPA ALLIANCE
NextLevel(k) is independent, which allows us the use of leading plan providers, recordkeeping firms, and
Third Part Administrators (TPA). A few of the plan providers, recordkeepers and TPAs currently participating
in the NextLevel(k) alliance include:
PLAN PROVIDERS
Vanguard
DFA
TD Ameritrade
RECORDKEEPERS
Ascensus
Retirement Revolution
Aspire
Fidelity
TPA’s
Hawkins, Cloward & Simister (HCS)
Retirement Services
Huber, Erickson & Bowman, LLC (HEB)
Sunburst Pension Services
If you are happy with your current independent TPA, NextLevel(k) does not require switching to an alliance TPA.
CUSTODIANS
Plan assets in the NextLevel(k) program are held in trust
accounts at Charles Schwab & Co, Matrix MG Trust,
Ascensus Trust, Fidelity or TD Ameritrade, the largest and most
respected custodians in the nation. Plan assets are always
held in the plan’s name at the independent custodian.
Custodians provide important peace of mind regarding the
safety and security of the plan’s assets.
Your NextLevel(k) Team of Experts is selected
by matching their expertise to
your plan’s priorities.