NEXTLEVEL(K)

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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.
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NEXTLEVEL(K)

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