retirement plan, 401k plan, pension plan, annuity retirement plan, pre-tax savings, investments, alternative savings,

1. NESTEGGS 401(k) Savings Plan
Principal Guarantee and Low Cost
401(k) Retirement Plan
410 Park Avenue, Suite 1530
410 Park Avenue, Suite 1530
New York, NY 10022
New York, NY 10022
917.254.4333
917.254.4333

2. Table of Contents
• Current 401k Plan Market
• NestEggs 401k Plan
• Fidelity Institutional FundsNetwork®
• Enrollment and Outreach Enterprise Solution

3. Programs & Services
Retirement Plans: Financial Planning:
•403(b) Annuity and 457 Deferred Compensation Plans •Retirement Income Evaluator
•Defined Benefit Pension Plan •Asset Allocation Modeling
•Money Purchase Pension Plan •Investment Policy Statement
•Profit Sharing Plan (Standard, Age Weighted and Cross-Tested) •Executive Financial Planning
•401(k) Plan (Standard, Safe Harbor and Roth 401(k) Plans •Executive Compensation Planning
•Simplified Employee Pension Plan (SEPP) •Asset Protection Planning
•IRA (Regular, Rollover, Roth & Education •Business Succession Planning
•Investment Planning
•Estate Planning
Benefit Programs:
•Retirement Planning
•Risk Management Planning
•Employee Incentive or Bonus Plan
•Section 125 Plan (Cafeteria Plan) Key Employee & Executive Benefit Plans:
•Flexible Spending Account (FSA)
•Benefits Evaluation
•Directed Deferred Compensation Plan
•Employee Handbooks
•Standard Deferred Compensation Plan (nonqualified)
•Benefit Communications/Enrollments
•Supplemental Income Plan (SIP)
•Health Savings Account (ESA)
•Supplemental Executive Retirement Plan (SERP)
•Health Reimbursement Account (HRA)
•Rabbi Trust or Secular Trust
•Health Insurance (Group and Individual)
•Section 79 Executive Benefit Plan

4. Shifting Demographics
& the Importance of the 401(k)
Census forecasts show from 2009–2035 more and more baby–boomer workers
will reach age 65.
Number of American workers supporting Social Security continues to decline.
In 1940 there were 41.9 workers to 1 retiree
In 1998 there were 3.4 workers to 1 retiree
In 2030 they expect only 2.1 workers to 1 retiree*
In 1980, 46% of American workers depended on a pension.
Today, fewer than 17% of American workers have a pension.
In1983, 13.9% of America companies replaced the pension plan with the 401k
By 2004 that number has steadily climbed to 62.7%**.
*Source: 2002 Annual Report of the Board of Trustees of the Federal Old Age and Survivors Insurance and Disability Insurance Trust Funds Tables
IV.B2 and V.A4.
**Source: Center for Retirement Research at Boston College, March 2006.

5. Participants Need Guarantees
With Their Retirement Account
Plan participants want safety and guarantees for their retirement nest
egg.
Second time in decade retirement assets drained from market decline
(2001- 02 & now 2007- 08)
The 2000 Tech bubble took 7 years and 2 months (March 2000-May
2007) for the S&P 500 Index to fully recover.*
Plan participants want a way to remove uncertainty about retirement
and make decisions about retirement without vulnerability to market
cycles.
*Source: Yahoo Finance. Data as of March 31, 2008.

6. Introducing Guaranteed
Income for Life
Traditional asset allocation models are not enough to ensure a retirement
nest egg will survive market volatility and provide consistent income
through retirement.*
NestEggs 401(k) plan includes Fixed Index Annuity that guarantees
participants:
I. Downside protection
II. Upside potential
III. Income for life
* MFC Global Investment Management (a subsidiary of Manulife Financial), Strategic Asset Allocation team, 2007.

7. Retirement Planning - We Manage Both Sides of the Curve
Retirement
Longevity Management
Income to Sustain
Asset Quality of Life
Protection
Life Insurance
Asset
Gathering
Annuities Transfer
Managed Accounts
Mutual Funds, ETFs
Accumulation Income Distribution
IRA and Protection and Preservation
401(k) , Profit Sharing, Thrift & Savings, Group Keogh, DC Pension, Section 457, 403(b) Plans
529 College Savings Plan
35 45 55 62 65 67 75 85 95
Age of Consumer

8. ADDING GUARANTEES TO THE MIX
1. 401(k)’s have become 201(k)’s
2. Baby boomers may not be able to retire; retirees worry about
drawing down
3. Target-date strategies are important but do not offer guarantees
4. Asset Management and Fixed Index Annuity (FIA) creates a
perfect union for retirement savings.
Asset allocation provides diversification and risk control
Insurance covers market risk, longevity, potential growth, guaranteed
life-time income

9. NestEggs 401(k) Plan
Fidelity Institutional FundsNetwork®, Allianz Fixed Index Annuity
Fidelity Self-Directed Brokerage
FINEXMD MANAGES ALL
THREE SIDES OF THIS HYBRID PLAN

10. Fidelity Institutional FundsNetwork®, Allianz Fixed Index Annuity
Institutional FundsNetwork® Fixed Index Annuity
Fixed index annuity comes with a
Institutional FundsNetwork© can help premium bonus. Principal and Bonus
streamline the management of complex are never subject to market index risk.
retirement plans involving multiple fund A downturn in the market index will not
families, helping organizations to level the reduce contract values. When the
playing field with larger bundled plans. Over market is up, the value of the annuity
400 fund families and 12,000 mutual funds can also increase that’s because at
year-end you get 100% participation in
potential index credits.

11. NESTEGGS 401(k) BENEFITS
5% BONUS on all pre-tax contributions and on other retirement plan
assets, e.g. SEP, Current and Former 401(k), IRA
Guaranteed principal protection with full participation in the S&P 500
Index
Custom designed income plans for each participant
Low monthly RIA fee of 4BPs (0.48BPs annual)
No transaction fee Mutual Funds with Low Investment Expenses
Private labeled on-line enrollment tools, risk tolerance,
retirement income needs analytics, education and outreach programs
Fidelity’s secure web-site - Daily valuation posting of positions
and transactions with quarterly hard copy statements

12. Retirement Planning - We Manage Both Sides of the Curve
Cumulative Savings
Longevity Management
Income to Sustain
Asset Quality of Life
Protection
Life Insurance
Asset
Gathering
Annuities Transfer
Managed Accounts
Mutual Funds, ETFs
Accumulation Income Distribution
IRA and Protection and Preservation
401(k) , Profit Sharing, Thrift & Savings, Group Keogh, DC Pension, Section 457, 403(b) Plans
529 College Savings Plan
35 45 55 62 65 67 75 85 95
Age of Consumer

13. FIA Laddering
Investment Earnings Income for Life
Annuity Contract #5
Savings $
Annuity Contract #4
Annuity Contract #3
Earnings
Annuity Contract #2
Annuity Contract #1
Years 1-5 Years 6-10 Years 11-15 Years 16-20 Years 21-25
Time
Chart for illustrative Purposes Only

14. Why Use the Ladder Strategy?
Use Laddering to Minimize Interest Rate Risk
Create Steady, Predictable, Guaranteed Income
Manage Cash Flow for Life
Strategic Savings Accumulation
Fund for Life or Long Term Care Insurance

15. CONTACT INFORMATION
Barry M. Fine
FinexMD, LLC
410 Park Avenue, Suite1530
New York, NY 10022
917.254.4333
bfine@finexmd.com
www.FinexMD.com