Advisor Brochure

ADVANTAGETHE PENTEGRA ADVISOR

DIFFERENCE: USPentegra Retirement Services is focused on developing exceptional relationships with select

retirement plan advisors to build your retirement business.

Our specialized approach can help you deliver distinct retirement plan solutions

that are as unique as your clients.

ADVANTAGE: YOURS

When you’re looking for a retirement partner,

look to Pentegra.

focusRetirement plan solutions should be as individual as the clients that you serve. At Pentegra Retirement

Services, we recognize the diverse needs of every client, and work closely with advisors to develop

personalized retirement plan solutions that help your clients achieve their retirement goals.

Our relationship with you is based on a strong understanding of your needs. Your clients value you

because you focus exclusively on their needs. At Pentegra, we are focused exclusively on yours.

Pentegra was founded by the Federal Home Loan Bank System in 1943 to offer a retirement program

for its employees. While our business began by serving financial institutions, today we have grown to

serve businesses of every kind.

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A 65+ year history of delivering retirement plan solutions.

That’s an advantage.

focus

For over 65 years, we have stayed focused on the retirement plan business. We work closely

with select advisors to design retirement programs that work for every client’s individual

goals and situation. That focus has made us the retirement provider of choice for thousands

of clients nationwide. Our focus and experience can work to build your business too.

independenceWe are independent—unique among retirement plan providers—which enables us to offer retirement plans

with an unbiased, transparent approach. We are not owned by an investment firm, mutual fund or insurance

company. Pentegra’s investment platform is free of proprietary fund requirements so that you can work

with your clients to structure the best retirement program for their needs.

Pentegra’s true open architecture investment platform delivers the ultimate in fund choice and flexibility with

access to more than 5,000 funds from over 400 fund families and more than 11,000 share class alternatives.

This platform represents one of the widest selections of mutual funds in the industry. Our open architecture

approach offers the ultimate in fund flexibility—allowing you the ability to create a fully customized

investment lineup for your clients and personalized retirement strategies for participants using your own

investment models.

Alternatively, for advisors who want to outsource investment fiduciary responsibility, Pentegra’s Investment

Select List offers complete ERISA 3(38) fiduciary liability protection under which we assume responsibility

for the investment management process. Our Investment Select List offers style-specific alternatives across

the investment spectrum. We evaluate, identify, select and monitor all of the investments on our Select List

so that you can offer your clients a sound, documented fiduciary process that includes ongoing monitoring

and performance reporting.

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independence

Independent and unbiased.

That’s an advantage.

solutionsPentegra’s comprehensive retirement plan solutions are designed to help you enhance your services.

Our depth and breadth of experience enables us to work with you to design retirement solutions that build

value for clients. We offer total retirement solutions that can help drive your business—including combined

defined benefit and defined contribution capabilities, and the ability to integrate company stock in retirement

plan design using an ESOP or KSOP.

We work closely with advisors to develop cost-effective, comprehensive plan designs that complement your

strengths while meeting the needs of every client you serve. We value and respect your client relationships

as much as you do—our consultative approach supports your relationships to deliver solutions that enhance

your value to your clients.

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We offer a full array of retirement plan solutions on a bundled or unbundled basis, depending

on what works best for you and your clients.

Defined Benefit Plans 401(k) Plans Profit Sharing Plans

ESOPs KSOPs 403(b) Plans

401(a) Plans Executive Benefit & Director Plans Private Label Retirement Plans

457(b) Plans 457(f) Plans Cash Balance Plans

solutions

Comprehensive retirement plan solutions.

That’s an advantage.

partnershipAt Pentegra, we are passionate about service—especially about making the complex business of retirement

plans simple for advisors and their clients. We know you value your client relationships and want to offer

them the best. That’s why we provide a Dedicated Relationship Management Team backed by in-house

ERISA attorneys, certified investment professionals, actuaries, consultants, compliance experts and education

and communication specialists.

Our experienced team stands ready to help with every step of the sales process and beyond—we are always

available to you and your clients, from point of sale throughout the relationship. We tailor our relationship to

meet your preferences—and partner with you to offer the services and tools you need to build the business

you want. We will work as hard for your clients as you do.

Our reputation is based on the excellence of our people, and the quality of our work–not as we measure

it, but as our client-partners do. No wonder we exceed expectations with 98% of our clients in our annual

client survey for the last five years.

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Retirement Plan Services

Plan Design Consulting Administration & Recordkeeping Legal Services

Fiduciary Support Plan Audit Services Trust & Custody Services Regulatory Compliance

Government Reporting Stock Services Actuarial Services Comprehensive Education &

Retirement Annual Plan Review Ongoing Plan Communications Enrollment Materials Modeling Tools & Reporting Packages Pentegra Partner Online 24/7 Access for advisors,

sponsors & participants

partnership

Where every client is as important to us as they are to you.

That’s an advantage.

We offer complete sales support for you—from prospecting tools to point of sale support with a Regional Marketing Director

who partners with you to provide ongoing, knowledgeable help to expand your marketing and lead generation plan. Our

custom-designed proposals and sales presentations are branded with your identity and developed specifically for your

prospective clients. We will work with you as a true partner, with onsite support for sales meetings and presentations—

based on what works best for you.

Sales Support Services

Prospect Database Prospecting Tools Customized Proposals

Sales Presentations Seminars Web Customization

oversightGovernance and oversight mean more than ever today. Fee disclosure and responsibility for retirement plan

assets and performance are of utmost concern. Pentegra offers a level of governance and oversight built on a

65-year heritage serving as an ERISA-named fiduciary. We offer you and your clients the advantage of insights

and experience gained in this unique role, and the benefit of industry best practices for fiduciary standards.

For over six decades, Pentegra Retirement Services has focused exclusively on offering retirement programs

for employees nationwide. We are not distracted by competing lines of business or other products. We are

focused on putting the interests of your clients first.

That’s why we offer fiduciary services designed to make it easier to navigate today’s changing regulatory

landscape. With our Investment Select List, we assume the (3)38 role of investment fiduciary and full

discretion for selecting, monitoring and replacing investment options, relieving you of the burden of due

diligence and ongoing monitoring of investments for your clients.

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oversight

A 65+ year legacy of fiduciary experience.

That’s an advantage.

Learn how our specialized approach can help you deliver distinct retirement plan solutions that are

as unique as your clients.

For more information, contact us at 800-872-3473, or visit us at www.pentegra.com

3 Enterprise Drive, Suite 105 Shelton, CT 06484-4694 800•872•3473 tel 203•925•0674 fax www.pentegra.com

© 2011 Pentegra Retirement Services