Pine Lake Advisors has the staff and systems to handle every phase of retirement plan management.

Plan Design
Pine Lake Advisors has the experience to assist in the selection of the appropriate plan design to meet your objectives. Over the years, legislative regulation or your objectives may change, requiring further analysis and modification of plan provisions. We will be there to keep you informed and execute these functions as they arise.

Plan Document Drafting
Pine Lake Advisors sponsors its own set of IRS prototype plans. This ensures plan document compliance will be timely and cost-effective. We also draft customized plan documents when a plan design requires provisions outside prototype plan parameters.

Enrollment       
Customized enrollment materials and employee meetings outline your plan's specific benefits and enhance your employees' understanding and appreciation of the plan. Initial enrollment meetings primarily focus on the benefits of participating in the plan the company has made available.

Participant Education, Advice & Communication  
Every individual has a different set of financial goals, level of investment knowledge and tolerance for risk.  We realize that long-term financial success hinges on addressing each of these issues. Our Investment Advisors aggressively promote the utilization of our investment advisory services to every plan participant. As an advisory firm we can and do give specific investment advice to participants on appropriate asset allocations that meet their personal objectives.

Plan participants receive easy-to-understand account statements delivered promptly to their homes on a quarterly basis. Account access is also available via the Internet at or by calling our toll free participation number during business hours.

Administration & Compliance    
Pine Lake Advisors handles every aspect of plan administration and record keeping from discrimination testing to signature-ready IRS forms. We pride ourselves on minimizing the time and effort your staff spends on plan-related functions. From utilization of time-saving electronic tools to managing the challenges of dealing with terminated participants, we do it all. A more detailed list and description of these comprehensive services will be provided.

Investment Management & Monitoring
The Pine Lake Advisors approach to investment management combines the value of extensive research with completely unbiased investment selection. Our 100% no-load, multifund- family investment platform ensures quality and efficiency. Each investment strategy is managed to reduce operational costs while maintaining the highest quality and long-term performance. A full menu of investment options is available from fully guaranteed to aggressive growth.

Trust Services    
Pine Lake Advisors is also a trust company, which gives our clients the option of removing themselves from the periodic duties required of plan trustees. Trustee duties include the monitoring and maintenance of plan investments pursuant to the plan's Investment Policy Statement, paying benefits required under the plan, filing all required reporting forms (i.e., Form 5500) and maintaining records of all transactions.

Participation
The success of any retirement plan is measured by the level of satisfaction of those benefiting from it. The Pine Lake Advisors approach to employee participation is comprehensive and customized to maximize the level of satisfaction of every employee. Every plan participant is our client.

Employee Enrollment and Education

• Customized Enrollment Packets
  Each packet is designed to effectively  inform employees about the features and benefits of the plan. Concepts illustrated and reinforced include:  
  • Benefits of participating in the company's plan
  • Importance of saving for retirement
  • Immediate tax savings
  • Power of tax-deferred growth
  • Convenience of payroll deduction
  • Diversification of investments and asset allocation
    
• Enrollment Meetings Conducted by our Retirement Plan Professionals
  Both group and/or individual meetings at   your location(s) are scheduled to increase plan understanding and participation.

Investment Education and Advice

• Investor Profile
  We work with participants to help identify their financial goals and risk tolerance. After completing an Investor Profile, our Investment Advisors will recommend an asset allocation from the menu of diversified investment options. This is not just a one-time service, but an ongoing process serving participants' perpetually changing needs.

• Investment Education
  We recognize that many plan participants lack the knowledge to be comfortable with making investment-related decisions. This challenge is met by providing several means of obtaining and distributing meaningful information.
  • Toll free access to professional Investment Advisors
  • Access to extensive educational information via our Web site and useful links
  • Printed materials

Ongoing Service and Communication

• Ongoing Investment Advice
  Over time, account balances grow, personal situations change and risk tolerances evolve. The Pine Lake Investment Advisors are there to advise and assist in re-allocating portfolios to meet the changing needs of each and every plan participant. This is achieved through value-added contact over the years with as many plan participants as possible.

• Vested Interest
  The Pine Lake Investment Advisors invest in the same strategies available to plan participants. This perspective ensures that our interests are aligned with those of every client.

• Online Account Access
  Plan participants have full access to view account balances, print up-to-date account statements, transfer funds between investment strategies, rebalance funds, change asset allocations for new deposits and obtain performance and background information.

• Participant Account Statements
    Plan participants receive detailed, easy-to-understand, quarterly account statements sent directly to their homes.