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Date: Thu, 17 Oct 2024 10:00:44 -0500 (CDT)
From: Nathan Fisher <info401k@fisher401k.com>
Reply-To: info401k@fi.com
To: andrew@sterlingcal.com
Message-ID: <545224158.117779907.1729177244072@sjmktmail-batch1i.marketo.org>
Subject: 401(k) Fiduciary Checklist
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Fiduciary Checklist  <https://401k.solutions.fisherinvestments.com/OTM3LVhN=
VS01MzcAAAGWOfeBoLufYVTO0hCaewPz1xUsgdMQtanu1BjzNxXXDVy63OgI-7fC-Ydtj-aeYYK=
ky2ntk54=3D>
Manage Fiduciary Risk
Use this checklist
to learn how.
Download  =C2=A0   <https://401k.solutions.fisherinvestments.com/OTM3LVhNVS=
01MzcAAAGWOfeBoM8EYxKkF7-meKlVjAYX4wo2olJyGWkJ0WZ4b3a8efqAKnNZPVXqllo30w6Vr=
IuhCVI=3D>
Every retirement plan is required to have a fiduciary=E2=80=94someone who's=
 responsible for administrative, operational, and investment management. If=
 these responsibilities aren't carried out diligently and in the best inter=
ests of employees, the fiduciary is personally liable. Last year, the Depar=
tment of Labor recovered over $1.4 billion1=C2=A0 from business owners and =
other fiduciaries for violations.

Our fiduciary checklist can help you understand your responsibilities and r=
educe your risk. It outlines:
=E2=80=A2
Fiduciary Duties










=E2=80=A2
Investment & Service Provider Oversight










=E2=80=A2
Fiduciary Liability










=E2=80=A2
Plan Administration Basics










=E2=80=A2
Employee Support
Get the checklist and take control of your fiduciary responsibility.
1Department of Labor, 2023 <https://401k.solutions.fisherinvestments.com/OT=
M3LVhNVS01MzcAAAGWOfeBoFoDIGFcELsZrtpVhcJ3spr6-juPxecls65pnu1m8ia60-EaReobw=
_26W4PDh6NGBDI=3D>
Download Checklist  =C2=A0   <https://401k.solutions.fisherinvestments.com/=
OTM3LVhNVS01MzcAAAGWOfeBoM8EYxKkF7-meKlVjAYX4wo2olJyGWkJ0WZ4b3a8efqAKnNZPVX=
qllo30w6VrIuhCVI=3D>
Find more retirement plan resources for fiduciaries. <https://401k.solution=
s.fisherinvestments.com/OTM3LVhNVS01MzcAAAGWOfeBoLpDado0wZSqxpz7W--zzuHNwKQ=
UnZKbYvn2GOr-73ZNMua5MNton5MPfFL7FLhxyw8=3D>

This email was sent to andrew@sterlingcal.com. If you no longer wish to rec=
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lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 270px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; height: 48px;" height=3D"48"=
 class=3D"spacer-collapse">=20
<div style=3D"height: 48px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"48" border=3D"0" style=
=3D"width: 0px; height: 48px; display: block;" />=20
</div> </td>=20
</tr>=20
<tr>=20
<td style=3D"font-family: verdana, 'Lucida Sans Unicode', 'Lucida Grande', =
'Noto Sans', 'Roboto', sans-serif; font-size: 35px; color: #044336; line-he=
ight: 42px; letter-spacing: -0.015em;">=20
<div style=3D"font-family: verdana, 'Lucida Sans Unicode', 'Lucida Grande',=
 'Noto Sans', 'Roboto', sans-serif; font-size: 35px; color: #044336; line-h=
eight: 42px; letter-spacing: -0.015em;" class=3D"rich-text-area mktoText em=
ail-hero-title" id=3D"emailHeroTitle">
Manage Fiduciary Risk
</div> </td>=20
</tr>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; height: 22px;" height=3D"22"=
 class=3D"spacer-collapse">=20
<div style=3D"height: 22px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"8" border=3D"0" style=
=3D"width: 0px; height: 22px; display: block;" />=20
</div> </td>=20
</tr>=20
<tr>=20
<td style=3D"font-family: verdana, 'Lucida Sans Unicode', 'Lucida Grande', =
'Noto Sans', 'Roboto', sans-serif; font-size: 22px; color: #008566; line-he=
ight: 28px; letter-spacing: -0.03em;">=20
<div style=3D"font-family: verdana, 'Lucida Sans Unicode', 'Lucida Grande',=
 'Noto Sans', 'Roboto', sans-serif; font-size: 22px; color: #008566; line-h=
eight: 28px; letter-spacing: -0.03em;" class=3D"rich-text-area mktoText ema=
il-hero-text" id=3D"emailHeroText">
Use this checklist
<br />to learn how.
</div> </td>=20
</tr>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; height: 30px;" height=3D"30"=
 class=3D"spacer-collapse">=20
<div style=3D"height: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"30" border=3D"0" style=
=3D"width: 0px; height: 30px; display: block;" />=20
</div> </td>=20
</tr>=20
<tr>=20
<td>=20
<div style=3D"font-family: verdana, 'Lucida Sans Unicode', 'Lucida Grande',=
 'Noto Sans', 'Roboto', sans-serif; font-size: 17px; color: #044336; line-h=
eight: 18px; letter-spacing: -0.01em;" class=3D"rich-text-area mktoText ema=
il-hero-cta" id=3D"emailHeroCTA">
<table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" id=3D"emailHeroCTAC=
ontainer" class=3D"cta-button">=20
<tbody>=20
<tr>=20
<td style=3D"background-color: #01b187;"><a href=3D
"https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGWOfeBoFU9Y=
ON1yIAhryE7tbCnwrSaHQ6NiAEJggT1NtF8wWl7kcw5PwTg_pvWaEqgRN1h7uo=3D" target=
=3D"_blank" style=3D"border: 1px solid #01B187; background-color: #01b187; =
color: #ffffff; display: block; font-size: 17px; font-family: verdana, 'Luc=
ida Sans Unicode', 'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line=
-height: 18px; font-weight: bold; letter-spacing: -0.01em; text-decoration:=
 none; text-align: center; white-space: nowrap;"
>=20
<!--[if mso]>
                                      <i style=3D"letter-spacing: 1px; mso-=
font-width: -100%;">&nbsp;</i>
                                    <![endif]--> <span style=3D"border: 1px=
 solid #01B187; background-color: #01b187; color: #ffffff; display: block; =
font-size: 17px; font-family: verdana, 'Lucida Sans Unicode', 'Lucida Grand=
e', 'Noto Sans', 'Roboto', sans-serif; line-height: 18px; font-weight: bold=
; letter-spacing: -0.01em; text-decoration: none; text-align: center; paddi=
ng: 16px; white-space: nowrap;"> Download</span>=20
<!--[if mso]>
                                      <i style=3D"letter-spacing: 1px; mso-=
font-width: -100%;">&nbsp;</i>
                                    <![endif]--> </a></td>=20
</tr>=20
</tbody>=20
</table>
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 300px;" width=3D"300"=
 class=3D"gutter">=20
<div style=3D"width: 300px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"300" height=3D"1" border=3D"0" style=
=3D"width: 300px; height: 0px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table>=20
<!--[if gte mso 9]>
                </v:textbox>
                </v:rect>
                </center>
              <![endif]--> </td>=20
</tr>
<tr class=3D"mktoModule email-spacer email-spacer-lg" id=3D"email-spacer-lg=
">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; height: 36px;" height=3D"36"=
>=20
<div style=3D"height: 36px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"36" border=3D"0" style=
=3D"width: 1px; height: 36px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule" id=3D"email-text-block">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
<td width=3D"540" style=3D"width: 540px; font-size: 14px; font-family: verd=
ana, 'Lucida Sans Unicode', 'Lucida Grande', 'Noto Sans', 'Roboto', sans-se=
rif; line-height: 22px; color: #333333; letter-spacing: -0.013em;">=20
<div style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode',=
 'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 22px; col=
or: #333333; letter-spacing: -0.013em;" class=3D"mktoText rich-text-area co=
ntent-section" id=3D"emailTextBlock">
Every retirement plan is required to have a fiduciary=E2=80=94someone who's=
 responsible for administrative, operational, and investment management. If=
 these responsibilities aren't carried out diligently and in the best inter=
ests of employees, the fiduciary is personally liable. Last year, the Depar=
tment of Labor recovered over $1.4 billion
<em><sup>1</sup></em>&nbsp; from business owners and other fiduciaries for =
violations.
<br />
<br />Our fiduciary checklist can help you understand your responsibilities=
 and reduce your risk. It outlines:
<br />
</div> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule email-spacer email-spacer-md" id=3D"email-spacer-md=
">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; height: 24px;" height=3D"24"=
>=20
<div style=3D"height: 24px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"24" border=3D"0" style=
=3D"width: 1px; height: 24px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule" id=3D"email-content-feature_style-a_with-ctad27143=
53-aa56-4aa1-bdae-aa8fe56eb9f7">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
<td width=3D"540" style=3D"width: 540px; font-size: 14px; font-family: verd=
ana, 'Lucida Sans Unicode', 'Lucida Grande', 'Noto Sans', 'Roboto', sans-se=
rif; line-height: 20px; color: #333333; letter-spacing: -0.013em;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 540px;" wi=
dth=3D"540" class=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 226px; vertical-align=
: middle;" width=3D"226" valign=3D"middle" class=3D"emailContentFeature_med=
ia-container emailContentFeature_StyleA_Media-container">=20
<div style=3D"width: 226px;" class=3D"mktoImg" id=3D"emailContentFeature_St=
yleA_Media_with-ctaf92a81d0-c211-444d-b2d4-1e8349f645dd" mktolockimgsize=3D=
"true" mktolockimgstyle=3D"true">
<a style=3D"text-decoration: none; display: block; font-size: 15px; color: =
#FFFFFF; line-height: 20px;" href=3D
"https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGWOfeBoObdC=
CzhSquQZ5fyjRQDLRBy9KBrkv-HtztXeO9zW9OFrl5BosIlIDDlh9wfBJqpyV8=3D" target=
=3D"_blank"
> <img class=3D"allow-dynamic-resize emailContentFeature_media emailContent=
Feature_StyleA_Media allow-dynamic-resize emailContentFeature_media emailCo=
ntentFeature_StyleA_Media" src=3D"https://401k.resources.fisherinvestments.=
com/rs/937-XMU-537/images/Fiduciary_Checklist_SNEAK.png?version=3D0" width=
=3D"226" height=3D"226" border=3D"0" style=3D"width: 226px; height: 226px; =
display: block;" /> </a>
</div> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; width: 284px; vertical-align: middle;=
" width=3D"284" valign=3D"middle">=20
<div class=3D"mktoText rich-text-area" id=3D"emailContentFeature_StyleA_Con=
tent_with-cta0adc4ef2-780e-46ac-bfb4-72b5c4ccf792" style=3D"font-size: 14px=
; font-family: verdana, 'Lucida Sans Unicode', 'Lucida Grande', 'Noto Sans'=
, 'Roboto', sans-serif; line-height: 20px; color: #333333; letter-spacing: =
-0.013em;">
<strong></strong>=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace: 0; mso-table-rspace: 0; margin: 0 auto; padding: 0; width: 284px;" =
width=3D"284" class=3D"faux-bullet-list">=20
<tbody>=20
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 14px;"=
 height=3D"14">=20
<div style=3D"height: 14px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"14" border=3D"0" style=
=3D"width: 1px; height: 14px; display: block;" />
</div> </td>=20
</tr>=20
<tr>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top; width: 26px;" valign=3D"top" width=3D"26">=E2=80=A2</td>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top;" valign=3D"top">Fiduciary Duties</td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />
</div> </td>=20
</tr>=20
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 8px;" =
height=3D"8">=20
<div style=3D"height: 8px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"8" border=3D"0" style=
=3D"width: 1px; height: 8px; display: block;" />
</div> </td>=20
</tr>=20
<tr>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top; width: 26px;" valign=3D"top" width=3D"26">=E2=80=A2</td>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top;" valign=3D"top">Investment &amp; Service Provider Oversight</td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />
</div> </td>=20
</tr>=20
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 8px;" =
height=3D"8">=20
<div style=3D"height: 8px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"8" border=3D"0" style=
=3D"width: 1px; height: 8px; display: block;" />
</div> </td>=20
</tr>=20
<tr>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top; width: 26px;" valign=3D"top" width=3D"26">=E2=80=A2</td>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top;" valign=3D"top">Fiduciary Liability</td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />
</div> </td>=20
</tr>=20
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 8px;" =
height=3D"8">=20
<div style=3D"height: 8px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"8" border=3D"0" style=
=3D"width: 1px; height: 8px; display: block;" />
</div> </td>=20
</tr>=20
<tr>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top; width: 26px;" valign=3D"top" width=3D"26">=E2=80=A2</td>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top;" valign=3D"top">Plan Administration Basics</td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />
</div> </td>=20
</tr>=20
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 8px;" =
height=3D"8">=20
<div style=3D"height: 8px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"8" border=3D"0" style=
=3D"width: 1px; height: 8px; display: block;" />
</div> </td>=20
</tr>=20
<tr>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top; width: 26px;" valign=3D"top" width=3D"26">=E2=80=A2</td>=20
<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
r: #333333; letter-spacing: -0.013em; list-style-type: none; vertical-align=
: top;" valign=3D"top">Employee Support</td>=20
</tr>=20
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 22px;"=
 height=3D"22">=20
<div style=3D"height: 22px;">
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" style=3D"width: 1px; height: 22px; display: b=
lock;" width=3D"1" height=3D"22" border=3D"0" />
</div> </td>=20
</tr>=20
</tbody>=20
</table>=20
<div style=3D"font-family: verdana, 'Lucida Sans Unicode', 'Lucida Grande',=
 'Noto Sans', 'Roboto', sans-serif; font-size: 15px; color: #044336; line-h=
eight: 14px; letter-spacing: -0.03em;">
<br />
</div>
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule email-spacer email-spacer-sm" id=3D"email-spacer-sm=
48cb3b3f-f865-417a-b651-39c0ca20c545">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; height: 12px;" height=3D"12"=
>=20
<div style=3D"height: 12px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"24" border=3D"0" style=
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</div> </td>=20
</tr>=20
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<tr class=3D"mktoModule" id=3D"email-text-block7ce1a819-0af0-4789-b64b-cc5a=
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<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
<td width=3D"540" style=3D"width: 540px; font-size: 14px; font-family: verd=
ana, 'Lucida Sans Unicode', 'Lucida Grande', 'Noto Sans', 'Roboto', sans-se=
rif; line-height: 22px; color: #333333; letter-spacing: -0.013em;">=20
<div style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode',=
 'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 22px; col=
or: #333333; letter-spacing: -0.013em;" class=3D"mktoText rich-text-area co=
ntent-section" id=3D"emailTextBlock24b5081f-f0b8-46ad-9c6f-f1453a7a361c">
Get the checklist and take control of your fiduciary responsibility.
<br />
<br />
</div> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule" id=3D"email-text-block30ed2d24-6abb-4ab2-80f5-0c00=
300fc711">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
<td width=3D"540" style=3D"width: 540px; font-size: 14px; font-family: verd=
ana, 'Lucida Sans Unicode', 'Lucida Grande', 'Noto Sans', 'Roboto', sans-se=
rif; line-height: 22px; color: #333333; letter-spacing: -0.013em;">=20
<div style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode',=
 'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 22px; col=
or: #333333; letter-spacing: -0.013em;" class=3D"mktoText rich-text-area co=
ntent-section" id=3D"emailTextBlockd71217b6-da3e-4993-98c6-27295863e795">
<p style=3D"margin-bottom: 8.0pt; line-height: normal;"><span style=3D"font=
-size: 16px;"><em><sup><span style=3D"font-family: Calibri, sans-serif;">1<=
/span></sup></em></span><em><a href=3D
"https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGWOfeBoFoDI=
GFcELsZrtpVhcJ3spr6-juPxecls65pnu1m8ia60-EaReobw_26W4PDh6NGBDI=3D" target=
=3D"_blank"
>Department of Labor, 2023</a></em></p>
</div> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule email-spacer email-spacer-lg" id=3D"email-spacer-lg=
f42d7ed7-f4ec-490b-8c2b-3740dafcde41">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; height: 36px;" height=3D"36"=
>=20
<div style=3D"height: 36px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"36" border=3D"0" style=
=3D"width: 1px; height: 36px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule" id=3D"email-button">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"cta-button">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
<td width=3D"540" style=3D"width: 540px; font-size: 17px; font-family: verd=
ana, 'Lucida Sans Unicode', 'Lucida Grande', 'Noto Sans', 'Roboto', sans-se=
rif; line-height: 18px; color: #333333; letter-spacing: -0.01em;">=20
<center>=20
<div class=3D"rich-text-area mktoText" id=3D"emailCTAButton">
<table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" cl=
ass=3D"cta-button">=20
<tbody>=20
<tr>=20
<td style=3D"background-color: #01b187;"><a href=3D
"https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGWOfeBoFU9Y=
ON1yIAhryE7tbCnwrSaHQ6NiAEJggT1NtF8wWl7kcw5PwTg_pvWaEqgRN1h7uo=3D" target=
=3D"_blank" style=3D"border: 1px solid #01B187; background-color: #01b187; =
color: #ffffff; display: block; font-size: 17px; font-family: verdana, 'Luc=
ida Sans Unicode', 'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line=
-height: 18px; font-weight: bold; letter-spacing: -0.01em; text-decoration:=
 none; text-align: center; white-space: nowrap;"
>=20
<!--[if mso]>
                                  <i style=3D"letter-spacing: 1px; mso-font=
-width: -100%;">&nbsp;</i>
                                <![endif]--> <span style=3D"border: 1px sol=
id #01B187; background-color: #01b187; color: #ffffff; display: block; font=
-size: 17px; font-family: verdana, 'Lucida Sans Unicode', 'Lucida Grande', =
'Noto Sans', 'Roboto', sans-serif; line-height: 18px; font-weight: bold; le=
tter-spacing: -0.01em; text-decoration: none; text-align: center; padding: =
16px; white-space: nowrap;">Download Checklist</span>=20
<!--[if mso]>
                                  <i style=3D"letter-spacing: 1px; mso-font=
-width: -100%;">&nbsp;</i>
                                <![endif]--> </a></td>=20
</tr>=20
</tbody>=20
</table>
</div>=20
</center> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30">=
=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
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</div> </td>=20
</tr>=20
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</table> </td>=20
</tr>
<tr class=3D"mktoModule email-spacer email-spacer-xl" id=3D"email-spacer-xl=
092072b4-864d-4945-9172-22d1502917a0">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; height: 48px;" height=3D"48"=
>=20
<div style=3D"height: 48px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"24" border=3D"0" style=
=3D"width: 1px; height: 48px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule" id=3D"email-awards">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30" c=
lass=3D"gutter">=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
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</div> </td>=20
<td width=3D"540" style=3D"width: 540px; font-size: 14px; font-family: verd=
ana, 'Lucida Sans Unicode', 'Lucida Grande', 'Noto Sans', 'Roboto', sans-se=
rif; line-height: 22px; color: #333333; letter-spacing: -0.013em;">=20
<center>=20
<table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" wi=
dth=3D"527" class=3D"layout-collapse awards-list">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 12px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 22px; colo=
r: #333333; letter-spacing: -0.013em; width: 160px; text-align: center;" wi=
dth=3D"160"> <a href=3D
"https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGWOfeBoCYR-=
WTfpZM_DKLn4NKub8BM4nHswrulNRBccyOTpmJSReI5IIdhr7vHDVoQMDHpxNQ=3D" target=
=3D"_blank" style=3D"border: none; text-decoration: none;"
> <img border=3D"0" src=3D"https://401k.resources.fisherinvestments.com/rs/=
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n" width=3D"160" height=3D"61" style=3D"width: 160px; height: 61px; border:=
 none;" class=3D"allow-dynamic-resize" /> </a> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 26px;" width=3D"26" c=
lass=3D"gutter">=20
<div style=3D"width: 26px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"26" height=3D"1" border=3D"0" style=
=3D"width: 26px; height: 0px; display: block;" />=20
</div> </td>=20
<td style=3D"font-size: 12px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 22px; colo=
r: #333333; letter-spacing: -0.013em; width: 160px; text-align: center;" wi=
dth=3D"160"> <a href=3D
"https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGWOfeBoDU8d=
kL3Vi3cpZWLYSixWfhiFvG2QsP4XDrVO-aBMxpVJ3BWcPolH6Vqo0jMkN3z_-A=3D" target=
=3D"_blank" style=3D"border: none; text-decoration: none;"
> <img border=3D"0" src=3D"https://401k.resources.fisherinvestments.com/rs/=
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ss=3D"allow-dynamic-resize" /> </a> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 26px;" width=3D"26" c=
lass=3D"gutter">=20
<div style=3D"width: 26px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"26" height=3D"1" border=3D"0" style=
=3D"width: 26px; height: 0px; display: block;" />=20
</div> </td>=20
<td style=3D"font-size: 12px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 22px; colo=
r: #333333; letter-spacing: -0.013em; width: 160px; text-align: center;" wi=
dth=3D"160"> <a href=3D
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rAFh8s1cUgZvoyNH1KW_AKY8l7CUr-kL7Lib82o61OTUl9S4wyiPHlUfrT5U2I=3D" target=
=3D"_blank" style=3D"border: none; text-decoration: none;"
> <img border=3D"0" src=3D"https://401k.resources.fisherinvestments.com/rs/=
937-XMU-537/images/Top DC Adviser Green.png" alt=3D"Top DC Adviser" width=
=3D"160" height=3D"61" style=3D"width: 160px; height: 61px; border: none;" =
class=3D"allow-dynamic-resize" /> </a> </td>=20
</tr>=20
</tbody>=20
</table>=20
</center> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 30px;" width=3D"30" c=
lass=3D"spacer">=20
<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule email-spacer email-spacer-sm" id=3D"email-spacer-sm=
">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px;" cl=
ass=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td style=3D"font-size: 1px; line-height: 0px; height: 12px;" height=3D"12"=
>=20
<div style=3D"height: 12px;">=20
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=3D"width: 1px; height: 12px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
<tr class=3D"mktoModule" id=3D"email-callout-bar">=20
<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
4;">=20
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
lspace:0; mso-table-rspace:0; margin: 0 auto; padding: 0; width: 600px; bac=
kground-color: #024639;" bgcolor=3D"#024639" class=3D"layout-collapse">=20
<tbody>=20
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 28px;"=
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<div style=3D"height: 28px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"28" border=3D"0" style=
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</div> </td>=20
</tr>=20
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<td style=3D"font-size: 1px; line-height: 0px; width: 48px;" width=3D"48">=
=20
<div style=3D"width: 48px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
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<td width=3D"504" style=3D"width: 504px; font-size: 14px; font-family: verd=
ana, 'Lucida Sans Unicode', 'Lucida Grande', 'Noto Sans', 'Roboto', sans-se=
rif; line-height: 20px; color: #FFFFFF; letter-spacing: 0.001em;">=20
<div style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode',=
 'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; col=
or: #FFFFFF; letter-spacing: 0.001em;" class=3D"rich-text-area mktoText" id=
=3D"emailCalloutBarText">
<div style=3D"text-align: center;">
<a style=3D"color: #ffffff; text-decoration: underline;" href=3D
"https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGWOfeBoI2E-=
Iaws-4lhlJ-lv_NMjFJecrsF9i_IbrfkLZoiy59Epz2u3gs6tJHN3nzkIg146s=3D" target=
=3D"_blank"
>Find more retirement plan resources for fiduciaries.</a>
</div>
</div> </td>=20
<td style=3D"font-size: 1px; line-height: 0px; width: 48px;" width=3D"48">=
=20
<div style=3D"width: 48px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
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</div> </td>=20
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<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 26px;"=
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<div style=3D"height: 26px;">=20
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</div> </td>=20
</tr>=20
</tbody>=20
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<div style=3D"width: 30px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 0px; display: block;" />=20
</div> </td>=20
</tr>=20
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 22px;"=
 height=3D"22" class=3D"spacer">=20
<div style=3D"height: 22px;">=20
<img alt=3D"" src=3D"https://401k.resources.fisherinvestments.com/rs/937-XM=
U-537/images/transparent.gif" width=3D"1" height=3D"32" border=3D"0" style=
=3D"width: 1px; height: 22px; display: block;" />=20
</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
</tr>
</table> </td>=20
</tr>=20
</tbody>
</table>  =20
<a href=3D
"https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGWOfeBoF2Yg=
TSSDXuhgQ1FJUtBNA71LlzoA1zYyd7prFY5fYcnGYkx5XX8U9FRWHOy9AIBNdQ=3D"
></a>
<img src=3D"https://401k.solutions.fisherinvestments.com/trk?t=3D1&mid=3DOT=
M3LVhNVS01MzcAAAGWOfeBoK_SPh8ZfsBXV07w1FV4nNz23dFVcxwLZI13BjZsN32_zjMpc4nWP=
7sABKO5nGt1sodP3amClVf-3cvpvwNktYzTP12Cxw58L3p-mM0JSRs-74bOZd9lgAjSoxDy5Pga=
7JAdhtLUoAsNDGs" width=3D"1" height=3D"1" style=3D"display:none !important;=
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</body>
</html>
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