Retirement Plan Services

1. Pension and Retirement Plan Services
Gain from an independent perspective.
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nwk group

2. Our Commitment
We are a registered investment advisory practice that advises corporate and individual family clients on overall wealth
management and investment strategies. We take a disciplined client centered approach offering comprehensive, not
fragmented, financial services. Our advice is drawn from the experience of our principals after a thorough assessment of our
client's feelings and objectives. Our passion for what we do comesfrom the positive feedback from clients with whom we serve.
We deliver our suite of solutions with a commitment to objectivity, exceptional service and thorough communication. We look
forward to putting our commitment to work for you.
Pension Consulting Services
Our practice serves corporate
retirement plan clients and their
employees by providing
comprehensive objective solutions.
Our retirement benefit services are
tailored toward; access to high quality
investments, appropriate investment
diversification and correlation,
effective plan design and exceptional
employee education and
communication. Our team has the
experience and resources to help
employers design and manage a
superior retirement benefits package.
Current Plan Assessment
We conduct a thorough analysis of our client's retirement
plan including plan design, investments and participant
education. Our goal is to objectively evaluate whether the
plan meets company and employee needs and
expectations.
Investment manager search
Our team evaluates investment managers and manager
blends to facilitate the implementation of the plan's
stated objectives. This process is based upon investment
needs, risk/return expectations and restrictions. This
search may include separate account managers, mutual
funds and collective trusts.
I I

3. Provider search and request for
proposals
Our provider search process is designed to find a plan
provider that meets the goals and objectives of retirement
plan sponsors. Our findings are reported in a
comprehensive study comparing a company's existing
retirement plan with potential solutions. We will compare
fees, plan features, administration, record- keeping,
reporting, investment options, and communication
programs. Our goal is to provide an apples-to-apples
assessment that will enable clients to find the right
solution.
Investment policy statement
We assist with the drafting of an effective Investment
Policy Statement, which will serve as a basis for ongoing
review of retirement plan investments. This policy will
establish guidelines and specific criteria for making
decisions on current and future investments offered in the
plan. For participant directed plans, it will outline how the
client complies with ERISA 404c guidelines.
Performance evaluation
Our team conducts regular on-site meetings with plan
fiduciaries to evaluate the plan's investment performance,
in accordance with the Investment Policy Statement
guidelines. We provide an evaluation of individual
investment performance, including comparisons to
appropriate market indices, risk return analysis, and style
analysis.
Education and communication
We provide comprehensive Employee Education and
Communication Program to help employees maximize
their retirement benefits. In order to meet the diverse and
dynamic needs of employees, we utilize a variety of
instructional methods, including group presentations,
one-on-one meetings, direct phone access to consultants,
and web casts to ensure that each participant is making
informed decisions about their retirement plan. In
addition we can provide financial planning workshops
and individualized financial planning to employees.
Expense review
nwk group periodically review's client's total expenses for
operating the retirement plan to ensure they are fair and
competitive.
Your Plan Related
Liabilities
The use of an investment
advisor and/or
investment manager at
either the plan or
participant level should
help to reduce the plan-
related investment
liabilities of the plan
sponsor or other
fiduciary. However, in
order to gain that
"protection," one must
satisfy one's fiduciary
obligations under the
Employee Retirement
Income Security Act of
1974 (ERISA) by
prudently appointing
and monitoring the
investment advis
or or investment
manager.
Investments: Your
Fiduciary
Responsibilities
Under ERISA, the
fiduciary responsible for
investing the assets of a
qualified plan or
responsible for the
selection of a plan's
investment options is
required to perform such
function in accordance
with ERISA's prudent
man standard."
A fiduciary is required to
act as a prudent person
"familiar with such
matters."
In the case of retirement
plans, it refers to specific
familiarity with investing
retirement plan assets. In
other words, it is the
standard of a
hypothetical knowledgeable
person, which is why this
is sometimes called the
"prudent expert rule."
Consequently, if one
lacks the requisite
expertise, one is
compelled to seek the
assistance of an expert.
If fiduciaries engage in a
prudent process and act
at the level of a
knowledgeable person
for the purpose of
providing retirement
benefits, they will have
largely satisfied their
ERISA investment
responsibilities.

4. Wealth Management Services
We provide our individual family clients with a
comprehensive array wealth management services. Our
services are tailored to helping clients; create and grow
wealth, protect and preserve wealth and plan for the
distribution of wealth during life and at death.
At nwk group we provide you the objectivity of working
with an independent financial consultant, along with a
wide range of financial products and investment services.
We offer you professional, dedicated service with
access to the world's financial markets and a wealth
of investment opportunities.
Let's Get Started
Whether you are investing for your company or managing
your family's wealth, we have the experience and
resources to help you meet your investment objectives.
Our independent ownership ensures that you'll always
receive an unbiased objective approach to serving your
needs.
Let us help you to assess your financial needs and build a
plan that may provide you financial comfort and security.
We'd like to help you make the most of the opportunities
available to you and promise to act with objectivity,
experience and honesty. Allow us to evaluate and offer a
financial plan for your family or your business, from an
independent perspective.
Call us today at
(415) 362-0122
nwk group, inc.
155 Montgomery Street
San Francisco, CA 94104
(415) 362-0122
www.nwkgroup.com
nwk group