Investment Management & Consulting Group offers the following advisory services aimed at identifying, implementing, and maintaining the most effective retirement program for you or your business.

Working closely with your business, we...
• determine corporate objectives
• review structural options and strategies
• evaluate turnkey versus component plan designs
• introduce third-party administrators for consideration
• introduce risk-management providers for consideration of fidelity bond purchases
• develop an investment policy statement based on demographic analysis of your employee base
• construct reporting and monitoring systems to reduce fiduciary liability and encourage participation
• make investment advisory and format recommendations.

When you're ready to implement your retirement plan, we meet with key management and/or employees to explain the plan. For 401(k) plans, we conduct, in conjunction with plan administrators and fund managers, 404(c) enrollment and education workshops in which we...
• review investment basics, selected investment options, and how to develop personal goals and objectives
• provide individualized savings and investment spreadsheets
• fulfill investment advisory responsibilities for plan trustees.

As part of our ongoing partnership, IMCG meets annually with your trustees to...
• review the performance of your plan
• review performance relative to your company's investment policy statement
• update the investment policy statement based on changes in employee demographics.

In addition, for 401(k) and other salary deferral plans, we hold annual 404(c) workshops in which we...
• review savings and investment strategies relative to issues participants should consider
• review plan paperwork and investment materials and answer questions
• discuss global economic and market developments and how participants may refine their asset allocations accordingly.

• Quarterly newsletters may be added to our employee-education efforts in order to meet 404(c) guidelines.
• Depending on trustees' desire to provide additional benefits to employees, and on who brokers the plan assets, we may provide individual counseling to employees and/or key management.
• We also help emerging and mature businesses evaluate financing and merger opportunities that can enhance market share or improve return on nonfinancial assets.

97A Exchange Street • Portland, ME 04101
voice 207.774.6552 • 1.800.605.6552 • fax 207.775.2969
© 2009 Investment Management & Consulting Group