- 401kWealthPlan.com is an advisory service that helps individuals manage the risk in their 401k accounts by evaluating investment options and building customized offensive, neutral, and defensive investment strategies. - The strategies are monitored weekly and participants are alerted when it's time to shift between strategies, which is expected to be 5 to 7 times per year. - The goal is to help retirement plan participants avoid losses and build wealth over the long run by adjusting the strategies based on proprietary risk indicators.

1. Strategy Overview
Strategy Overview Key Statistics
• 401kWealthPlan.com is an eAdvisory service to proactively help • Strategy stress tested back to: 1962
individuals manage the risk in their 401k accounts.
• Average strategy shifts: 5 to 7 yr
• We evaluate the investment options in each 401(k) or 403(b)
• Proactively help 401k/403b
plan and build 3 investment strategies customized to the plan:
Offensive, Neutral, and Defensive . Participants manage their
• We monitor our proprietary risk flags weekly & alert retirement plan
participants when it's time to shift between strategies (you can
• Works with current 401k/403b or
expect 5 to 7 shifts per year).
government retirement plan.
• Objective: help retirement plan participants avoid large losses in
their retirement accounts and build more wealth to get their • Clients notified by email when its
plans for retirement back on track and keep them there.
g
time to shift strategies.
401kWP Growth 401kWP Moderate Growth
80% stocks / 60% stocks /
Offensive
20% bonds 40% bonds
Neutral 40% / 60% 30% / 70%
Defensive 0% / 100% 0% / 100%
Why now?
If history repeats itself we are in for another 6 to 10 years of this up and down market. The
If hi i lf i f h 6 10 f hi dd k Th
401kWealthPlan is a subscription‐based eAdvisory service of United Capital customized to your
company's retirement plan investment options. It is a disciplined process based on 48 years of
history, including:
• Up markets and down markets
• Rising interest rates and falling interest rates
• Rising inflation and falling inflation
• Good economic times and bad economic times
Please see important disclosures on the following page

2. 401kWealthPlan.com is designed to preserve capital in times of market weakness. The chart below shows the
changes in the strategy’s level of market exposure as the S&P 500 broke through key technical levels in 2010.
401kWealthPlan.com Market Exposure 2007 to 2011
1,550.00
1,450.00
S&P 500
S&P 500
1,350.00
1,250.00
1,150.00
1,050.00
950.00
850.00
750.00
650.00
650 00
Offensive
Neutral
Defensive
1/3/2007
3/3/2007
5/3/2007
7/3/2007
9/3/2007
11/3/2007
1/3/2008
3/3/2008
5/3/2008
7/3/2008
9/3/2008
11/3/2008
1/3/2009
3/3/2009
5/3/2009
7/3/2009
9/3/2009
11/3/2009
1/3/2010
3/3/2010
5/3/2010
7/3/2010
9/3/2010
11/3/2010
1/3/2011
3/3/2011
5/3/2011
Important Disclosures:
United Capital Financial Advisers, LLC (
p (“United Capital”), provides advice and makes recommendations based on the specific needs and circumstances of each
p ) p p
client. For clients with managed accounts, United Capital has discretionary authority and makes investment decisions based on the specific needs and
circumstances of each client. Investing involves risks and clients should carefully consider their own investment objectives and never rely on any single chart,
graph or marketing piece to make decisions. Past performance of markets and other data are no guarantee or indicator of future results. It should not be
assumed that recommendations made in the future will be profitable or will equal the performance of the securities in this portfolio.