401K Plan Changes Edward Owen AIF Financial PPC

401(K) Plan Changes Edward Owen, AIF®, Financial PPC™ Advisor 9 YEARS’ EXPERIENCE © 2014 Raffa Retirement Services. All rights reserved. 1445 Research Boulevard, Suite #340 Rockville, MD 20850 Securities offered through LPL Financial, Member FINRA/SIPC.

Today’s Discussion § § Introduction Change in Fiduciary Status Fund Changes and Mapping Conclusion

Change in Fiduciary Status and Fees § Who is a Fiduciary on the investments? • Prior to 08/01: BCF Solutions • After 08/01: BCF Solutions and Raffa Retirement Services § Fee Reduction • 16 basis points (0. 16%) – Participant Fees reducing from 0. 97% to 0. 81%

Fund Mapping (08/01) American Funds Europacific Growth Oppenheimer International Gro Eagle Mid Cap Growth Vanguard Mid-Cap Growth Index Principal Equity Income Vanguard Value Index Principal Income Prudential Total Return Bond Principal Mid. Cap Value Vanguard Mid-Cap Growth Index Principal High Yield Vanguard High-Yield Corporate Lord Abbett Developing Growth Vanguard Small Cap Growth In Lord Abbett Fundamental Equity Principal Large. Cap S&P 500 Ind In Principal Bond Market Index Vanguard Intermediate-Term Bo

Fund Mapping (08/01) Principal Diversified Real Asset Principal Trust Income PIMCO Low Duration Vanguard Short-Term Corporate Principal International Equity Index Vanguard Developed Markets In Principal Large. Cap Growth I TIAA-CREF Large-Cap Growth In Principal Trust Target Date Funds (R 4) Principal Trust Target Date Fun Fu Principal Large. Cap S&P 500 Index (Sig) Principal Large. Cap S&P 500 I Principal Mid. Cap S&P 400 Index (Sig) Principal Mid. Cap S&P 400 Ind Principal Small. Cap S&P 600 Index (Sig) Principal Small. Cap S&P 600 I American Funds New Perspective (R 3) American Funds New Perspect Perspec

Fund Mapping (11/01) Fidelity Advisor Small Cap Value (FCVTX) Vanguard Small Cap Value

Any Questions? Edward Owen 240. 403. 2565 eddie@raffaretirement. com