So, you’ve been given a list of funds for your 401(k).

Now what? How do you know which funds to pick

and how much to put in each fund? It’s a question

many participants of workplace retirement plans

face. In fact, over half of 401(k) participants wish it

were easier to choose the right investments.1

Simply put, many participants aren’t getting the help

they need with their workplace retirement plans.

Smart401k is out to change that.

SMART401K® IS YOUR SOLUTION FOR RETIREMENT INVESTING.

ANALYZE. OPTIMIZE. SUPPORT.

Smart401k.com

(1, 2) 2014 nationwide survey of 1,000 401(k) plan participants

commissioned by Schwab Retirement Plan Services, Inc.

YOUR RETIREMENT DESERVES

REGULAR TUNE-UPS.

A 401(k) is a big part of your

fi nancial future. Are you

spending enough time on it? 87% of 401(k) plan participants get help changing the oil in their car.2

Only 24% get help with their 401(k).

24%of 401(k)

participants

VS

of 401(k) participants

87%

MutualFundStore.com

The Mutual Fund Store® is a nationwide system of registered investment advisers. Each store can offer investment advisory services to prospective and existing clients in the state where the store is located, while a number of stores may also offer advisory services in nearby or other states. The advisor may not transact business in states where it is not appropriately registered, excluded or exempted from registration.

Smart401k® is a registered investment adviser which provides independent investment recommendations for employer-sponsored retirement plans. Smart401k is under common ownership with The Mutual Fund Store. The Mutual Fund Store and Smart401k are separate but affi liated companies. They are not responsible for each other’s services or policies. Each entity is its own separate entity that provides services for its client independent from the other. Prospects or clients may directly retain the services of The Mutual Fund Store.

The “Research Center,” as referenced throughout this fl yer is the Mutual Fund Research Center, LLC which is an SEC registered investment adviser which provides asset allocation, mutual fund and/or exchange-traded fund recommendations, as well as market and economic research to each Store in The Mutual Fund Store organization and their advisors. This includes the Store that provides you with advisory services. The Mutual Fund Store advisors provide independent, fee-based, investment advisory and asset management services, which include developing and implementing customized portfolios for clients based on their unique fi nancial situation and ability to tolerate risk associated with investments in securities.

Investing in securities, including mutual funds and/or exchange-traded funds, involves risk including the risk of loss. While a diversifi ed portfolio of securities may help to reduce overall risk, diversifi cation does not protect against losses in declining markets. Past performance is not a guarantee of future results. Investors should consider the investment objectives, risks, and expenses of a fund carefully before investing. Before investing in a mutual fund and/or exchange-traded fund, request and review the fund’s prospectus or consult with a professional fee-based fi nancial advisor.

Want to take a more

in-depth look at your full

fi nancial picture? Connect

with an advisor at The

Mutual Fund Store today.

MutualFundStore.com

800.375.3000

Smart401k provides investment advice for people in a 401(k), 403(b), 457, and federal Thrift Savings Plan.

The best part of all of this? There is no hidden agenda. Our advice is completely independent and we’re not paid by any investment fund company. What that means is simple – all of our recommendations are made in the best interest of our clients.

WITH SMART401K YOU’LL GET: EXPERT ANALYSIS1

To get started,Visit Smart401k.com

or call us today at (877) 627-8401

CHOOSING THE RIGHT FUNDS MAY SEEM CHALLENGING. SMART401K CAN HELP.

ONGOING SUPPORT

2 QUARTERLY UPDATES

3

We believe retirement investing demands a long-term approach, even if you are within a few years of your retirement date. We are continually analyzing market and economic conditions while also monitoring the funds available in your plan. We provide quarterly recommendation updates to notify you of any changes we deem appropriate for you.

Smart401k Investment Advisors do the work for you, analyzing fund performance and fund manager track record and expenses as part of the fund selection process – all to customize a recommendation based on your situation.

Planning for your retirement involves more than just investing in your work retirement plan. Our advisors are available by e-mail, over the phone or through live online chat to answer your questions and serve as a resource to help you reach your retirement and fi nancial goals.