Is your 401(k) producing results that will be able you retire? Tired of no leadership or management actively of your 401(k)? Here is a solution that can be used to help you with your dilemma.

1. More Choice,
More
Flexibility and
Investment
Advice on
Your
401(k), 403(b)
and 457
GET YOUR
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COURSEMore Choice, More FlexibilityMore Choice, More Flexibility
and Investment Advice for yourand Investment Advice for your
401(k), 403(b) and 457401(k), 403(b) and 457

2. Investments in model strategies have additional management fees and expose the investor to the
risks inherent within the model and the specific risks of the underlying investments directly
proportionate to their investment allocation. There is no guarantee that the portfolio invested in will
meet its stated objectives. Stock and bond values fluctuate in price so that the value of an investment
can go down depending on market conditions. Stock prices may fluctuate due to stock market
volatility and market cycles, as well as circumstances specific to a company.
The two main risks related to fixed income investing are interest rate risk and credit risk. Typically,
when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk
refers to the possibility that the issuer of the bond will not be able to make principal and Interest
payments. Investments in higher-yielding, lower-rated corporate bonds are subject to greater
fluctuations in value and risk of loss of income and principal. Investments in foreign markets entail
special risk such as currency, political, economic and market risks.
The term “real return” makes reference to inflation adjusted rate of return
Past performance is no guarantee of future results
The material provided herein has been provided by The Pacific Financial Group, Inc. Registered
Investment Adviser and is for informational purposes only. The Pacific Financial Group, Inc. is the
adviser to one or more mutual funds distributed through Northern Lights Distributors, LLC member
FINRA. Investment Advisor Representatives (IARs) using this brochure are registered and offer
securities and advisory services through their respective Broker/Dealers & /or Investment Advisory
firms. The Pacific Financial Group, Inc. & Northern Lights Distributors are not affiliated to the IAR’s
Broker/Dealer or Investment Advisory firm.
The information herein is intended to be used for educational purposes only and does not constitute
an offer to sell, or a solicitation of an offer to purchase, any securities.
Disclosures
Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview

3. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
The Plight of the Investor
As the chart shows, the study
revealed the S&P 500* returned
9.22% while equity investor’s return
over that same period was a paltry
5.02%; a difference of 4.20%
annually.
The average fixed income investor
faired no better over the same period
achieving 0.71% annually while the
Barclays Aggregate Bond Index*
averaged 5.74%; a difference of
5.03% annually.
** The source for the Plight of the Individual investor is “The Tyranny of Choice”
by N. Scott Pritchard, AIFA®, Capital Directions, LLC.
**
Dalbar Study*: 1991-2014
Annualized Returns
The Standard & Poor's 500 Index and the Barclays Aggregate Bond index are unmanaged groups of securities
considered to be representative of the stock market & bond market in general. Indexes are unmanaged & cannot be
invested into directly. Past performance is no guarantee of future results.

4. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
The Plight of the Investor
Emotion drives investors to buy the
latest hot fund near its peak and sell
the fund after riding it to the bottom on
its inevitable slide downward. This
“buy high, sell low” scenario is
unfortunately not just an anecdote, but
is very real for many individual
investors.
The end result is simple, buying on
greed and selling on fear might satisfy
short terms emotional needs, but this
lack of discipline will often
compromise long-term objectives.
** The source for the Plight of the Individual investor is “The Tyranny of
Choice” by N. Scott Pritchard, AIFA®, Capital Directions, LLC.
**
* Dalbar Study - average equity investor and average bond investor performance results are calculated using data
supplied by the Investment Company Institute. Investor returns are represented by the change in total mutual fund
assets after excluding sales, redemption & exchanges. This method of calculation captures realized & unrealized
capital gains, dividends, interest, trading costs, sales charges, fees & any other costs.
Dalbar Study*: 1991-2014
Annualized Returns

5. Morningstar- Major company analyzing mutual funds
All 1 year returns
Large Cap Value -7.58%
Mid Cap Blend -9.65%
Small Cap Blend -11.26%
Tactical Allocation -8.43%
Target Date 2040 -6.28%
Foreign Stock -6.43%
Emerging Markets -20.7%
Corporate Bond -2.36%
Oil/Energy -37.29%
REIT -8.00%
Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Will Asset Allocation Work
* A Brokerage Window is an enhancement to a retirement plan, such as a 401(k), that gives participants the ability to
trade directly on a brokerage platform. As opposed to being limited to the investment options within a sponsored 401(k),
some investors have the option to set up a "window", which allows them to trade most listed stocks, mutual funds and
exchange-traded funds.

6. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Common Mistakes

7. Pension Protection Act 2006
Highlights:
• More investment options
• Access to investment advice
• Risk managed portfolios
• Brokerage window* options
• Fiduciary Accountability for plan
vendors, sponsors and employers
Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Changes to your Plan
* A Brokerage Window is an enhancement to a retirement plan, such as a 401(k), that gives participants the ability to
trade directly on a brokerage platform. As opposed to being limited to the investment options within a sponsored 401(k),
some investors have the option to set up a "window", which allows them to trade most listed stocks, mutual funds and
exchange-traded funds.

8. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Self Directed Option
How it worksJoe Smith Retirement Account
401k - 401a - 403b - 457
Current Plan’s Investment Options
Savings Pool
State Bond Choice
State Socially Responsible
Balanced Investments
Active U.S. Value Stock Investments
U.S. Stock Market Index Portfolio
Active U.S. Core Stock Portfolio
Growth Company Investments
U.S. Small Stock Index Portfolio
International Stock Investments
2055 Retirement Strategy
2050 Retirement Strategy
2045 Retirement Strategy
2040 Retirement Strategy
2035 Retirement Strategy
2030 Retirement Strategy
2025 Retirement Strategy
2020 Retirement Strategy
2015 Retirement Strategy
2010 Retirement Strategy
2005 Retirement Strategy
2000 Retirement Strategy
* For illustration purposes – plans may vary in their investment menu
Typical
retirement plan
investment menu

9. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Self Directed Option
How it worksJoe Smith Retirement Account
401k - 401a - 403b - 457
Savings Pool
State Bond Choice
State Socially Responsible
Balanced Investments
Active U.S. Value Stock Investments
U.S. Stock Market Index Portfolio
Active U.S. Core Stock Portfolio
Growth Company Investments
U.S. Small Stock Index Portfolio
International Stock Investments
Retirement Strategies
Current Plan’s Investment Options
Self Directed Option
PCRA or SDBA
Self Directed Brokerage Option
Self Directed Option
• Custom Investment Solution
• Incorporating: Your Age
Years to retirement,
Risk/reward assessment
Minimizing overlap
* For illustration purposes – plans may vary in their investment menu

10. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Self Directed Option
1. The objective of retirement plan accounts is to
provide participants with investment options that are
more often designed for growth & accumulation
rather than wealth preservation. In short, the goal is
to help investors save and create an asset base for
income during retirement.
2. The industry trend shows fewer “Core” Options will
be available. Core options are the pre-selected
investment choice made by the employer or named
fiduciary for the plan.
3. Allows you to take control of YOUR retirement plan
account giving you more choice, more flexibility and
access to investment advice.
A Valuable Solution

11. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Self Directed Option
Examples of companies with a “Brokerage Window”

12. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Advice Matters
Recent studies
emphasize the
importance of client-
advisor conversations.
Advisors can ad 3% to
clients’ net returns1
and retirement savers
who sought investing
advice enjoyed a
median annual return
almost 3% higher than
those who didn’t –
even after fees they
paid for that advice2.

13. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Advice Matters
Retirement savers who sought investing
advice through their 401(k) plan enjoyed
a median annual return almost 3%
higher than those who didn’t — even
after the fees they paid for that advice,
according to a new study.
*According to the study of eight large 401(k) plans with more than 723,000 participants and $55 billion
in assets, by Aon Hewitt, a consulting firm, and Financial Engines, an investment advisory firm. Past
performance does not guarantee future results. Published May 2014
The portfolios of people who didn’t get
help suffered from:
•Inappropriate risk levels and inefficient
portfolios.
• Misunderstanding risks and market
volatility.
•Misunderstood risks and market
volatility.
People who sought help earned 3% more: study*
Published May,
2014

14. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Advice Matters
According to a recent study by
Vanguard, most participants adopting
managed account advice realize value in
some form.*
*According to the a Vanguard research based on a sample of approximately 40,000 participants
between 2009 and 2013. The Value of Managed Account Advice. Published August 2015
• Increased wealth
• Reduced risk
• Impact on savings rates
• Reallocation of company stock
Value of Managed Account Advice

15. Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Advice Matters
Target Date Funds* vs. Personal Advice
Do you want an investment that was designed for
millions of participants or do you want something
designed for you?
Create your personal retirement
date portfolio with the advice from
the advisor you trust.
Coordinate all your assets &
define all your goals & objectives
Comprehensive investment management & cohesive
financial planning
* A Target Date Fund (TDF) is a fund of funds model that invests predominantly or exclusively in
mutual funds with a certain maturity or specified date in mind, typically the time at which a
participant is planning on retiring. Because TDFs are designed to change their allocation & objectives
overtime, it is important for investors to revisit their investment selection periodically to make sure
that the investment selected is consistent with their goals & objectives. TDFs are not guaranteed &
past performance does not guarantee future results.

16. The Pacific Financial Group
Incorporated in 1984 & based in Bellevue, Washington, TPFG is an
institutional money manager that has formed a strategic partnership
with only a limited number of independent investment advisors to
give you the best of both worlds; professional day-to-day asset
management that is customized and coordinated for your specific
goal and objectives by your local investment advisor representative.
Over time we have evolved to now offer our 3rd
party investment
management services on four distinctly different platforms.
1) Separately Managed Account (SMAs)
2) Managed Portfolios (MPs)
3) Variable Annuity Optimization (VAO)
4) Retirement Plan Management (RPM)
& 401(k) Guided Participant Solutions
Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview

17. Separately Managed Accounts (SMA’s)
This option is a highly custom portfolio that contains investment options
designed for specific client needs – and one that can be tuned for particular tax
sensitivities.
$100,000 minimum
8 strategies
ACAT’s accepted
Managed Portfolios (MP’s)
This option leverages our proprietary mutual funds to minimize fees – but
without compromising any investment discipline. Because these funds
consolidate multiple and like transactions, they are a perfect blend of top-of-
the-line active money management and cost-effective investing.
$10,000 minimum
6 strategies
ACAT’s accepted
Variable Annuity Optimization (VAO)
This option uses sophisticated analytical processes to accurately define
variable annuity sub-accounts that are notorious for style drift. We then use
these results to rebalance our variable-annuity portfolios with greater clarity and
precision.
$10,000 minimum
2 strategies
New & existing
policies accepted
Retirement Plan Management (RPM)
This option is ideal for 401(k), 403(b), or 404(c) plans that are held at various
custodians. We offer turnkey and custom plans using the mutual funds and
asset classes offered by the sponsoring company. We accept full fiduciary
responsibility for managing accounts.
No minimum
5 strategies
Turnkey & Custom
Plans accepted
TPFG Platform AccessibilityNow You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview

18. Asset Management Styles
Strategic Tactical
Buy & Hold
Static Investment
Indexing Focus
Asset Allocation Model
Typically Well Diversified
All-In or All-Out
Highly Active Investment
Any & All Instruments
Big Bets / Overweighting
Narrow Investment Focus
Now You’re
In Charge
Plan Updates
& PPA 2006
Self Directed
Brokerage
Account (SDBA)
- How it Works
- Why it’s a
Valuable Option
Advice Matters
TPFG Overview
Strategic Asset Management Portfolios are built very methodically & mathematically – but once set, it’s static, not
often traded if at all. Tactical Asset Management Portfolios can be viewed as highly active and depending on the
money manager, using any and all instruments. Typically not well diversified, these nimble money managers also
have market timing risks as well as potentially the risks associated with long/short strategies.
Long Position: Buying a security such as a stock, commodity or currency, with
the expectation that the asset will rise in value.
Short Position: The sale of a borrowed security, commodity or currency with the expectation
that the asset will fall in value.

19. Asset Management StylesNow You’re
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Self Directed
Brokerage
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- How it Works
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Valuable Option
Advice Matters
TPFG Overview
Dynamic Asset Allocation
Buy & Monitor
Well Diversified
Actively Managed
Any & All Asset Classes
Risk Controlled Portfolios / Flexible Beta
Dynamic Asset Allocation is a combination of both Strategic and Tactical Asset Management
styles. Risk controlled portfolio or flexible beta refers to the managers ability to increase or
decrease risk of a portfolio relative to it comparative benchmark.

20. More Choice,
More
Flexibility and
Investment
Advice on
Your
401(k), 403(b)
and 457
Thank
you!