Sentinel Solutions exclusively offers The Human Capital Concept, a structured framework for group and individual benefit planning. It provides unprecedented due diligence, dedicated implementation of solutions, and ongoing personalized guidance to maximize returns on human capital investment benefits. The process involves six steps: conducting an in-depth needs assessment; a comprehensive analysis of suitable solutions; presenting strategic options aligned with needs; rigorous implementation support; extraordinary ongoing support for employees; and advocating for clients through industry changes. The priority is unsurpassed service and solutions while understanding the client's bottom line is paramount.

2. The Human Capital Concept™
Offered exclusively through Sentinel Solutions is The Human
Capital Concept™. This powerful approach to both group and
individual benefit planning provides the structured framework to
help ensure clarity of objectives and needs, unprecedented due-
diligence, dedicated implementation of solutions and the ongoing,
personalized guidance to help ensure a maximum return on
human capital investment benefits. Our priority is to provide
unsurpassed service and solutions while understanding that your
bottom line is the bottom line.

4. Step One:
The Benefit Assessment
To initiate our engagement we define your goals, objectives and any
obstacles that you face. This in-depth conversation is where we identify
pertinent information regarding your company demographics,
psychographics, various costs and a service level audit of current
programs.

5. Step Two:
The Situation Analysis
The next step is a comprehensive investigation of all suitable solutions,
including a strategic cost-benefit analysis using proprietary, state-of-the-
art software. We focus on four distinct areas that affect a business and its
fiduciary obligations.
These areas include:
•Traditional Employee Benefit Programs
•Voluntary Benefit Programs
•Supplemental Executive Benefits
•Risk Management

6. Step Three:
The Strategic Benefit Solution
Following our research, we present options and solutions
leveraging our Human Capital Formula, a unique blend of
industry and economic knowledge combined with psychographic
and demographic insight about your personnel. We provide the
context and support to help ensure your choices are aligned with
the full spectrum of needs for your company. Your bottom line is
our bottom line.

7. Step Four:
The Activation Sequence
Once solutions have been determined, we provide
rigorous implementation support. This is an absolute
delegation for you as we direct the execution of plans
to completion. Our support includes clear and
proactive communication and education for multiple
tiers of the organization.

8. Step Five:
The Confidence Connection
With our process, we provide extraordinary support for
your employees. This commitment to service
incorporates onsite visits to ensure clarity and
confidence, and also includes management of all
additions, terminations and benefit eligibility reviews,
as well as billing and active claims support.

9. Step Six:
The Accountability Advocate
We value our relationship and will strive to earn your
business every year. Given the considerable changes in
healthcare benefits on the horizon, we consider it our
responsibility to steward our clients through the
changes and provide sound professional counsel with
consistent and rigorous attention.

10. Contact Us
Sentinel Solutions
530 Fifth Avenue
11th Floor
New York, NY 10036
Phone: (212) 536-6150
Fax: (212) 202-7716
Email: info@sentinelsolutions.com
www.sentinelsolutions.com
Securities, investment advisory and financial planning services offered through MML Investors
Services, LLC. Member SIPC. Supervisory office: 530 Fifth Avenue, 14 Floor, New York, NY
10036 (212) 536-6000. Sentinel Solutions is not a subsidiary or affiliate of MML Investors
Services, LLC, or its affiliated companies.
TM 2010. Sentinel Solutions. All rights reserved. No part of this process may be reproduced in
any form, or by any means whatsoever, without written consent from the publisher. Made in the
USA, November 2010. The Human Capital Concept is a trademark of Sentinel Solutions, New
York, NY