Envelope-to: andrew@sterlingcal.com
Delivery-date: Wed, 15 Jan 2025 10:04:48 -0600
Date: Wed, 15 Jan 2025 10:04:28 -0600 (CST)
From: Nathan Fisher <info401k@fisher401k.com>
Reply-To: info401k@fi.com
To: andrew@sterlingcal.com
Message-ID: <556601953.913895501.1736957068121@sjmktmail-batch1l.marketo.org>
Subject: =?UTF-8?Q?Maximize_your_company=E2=80=99s_401(k)?=
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401(k) Checklist <https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01=
MzcAAAGYCa4zTjL9_VjDW-jQqJSqERu-I7W-sTH0a_sns9dq4quOKE6q6qN1l1-fd3H3xPV7CJY=
Xo6U=3D>
A Better 401(k)
Seize the opportunity.
=C2=A0   Download  =C2=A0   <https://401k.solutions.fisherinvestments.com/O=
TM3LVhNVS01MzcAAAGYCa4zToOUpFhNtP00IRbSnph8Fi-EiWIZ7HcCa2_uSYNlxwnQzqneNghT=
14IYg9MLeA7_Chc=3D>
Is your company=E2=80=99s retirement plan the best it can be? You can find =
out in just a few minutes. Our 401(k) Plan Checklist walks you through all =
the ways your company=E2=80=99s retirement plan could be underperforming =
=E2=80=94 costing you and your employees.=20

=20

=20
Download the 401(k) Plan Checklist to learn how to maximize:
Employee participation and savings rates
Plan compliance and management of fiduciary risk
Cost controls for your company and employees
Learn how to optimize your retirement plan in 2025. Get our 401(k) Plan Che=
cklist today to find out.
=C2=A0  Download Checklist  =C2=A0   <https://401k.solutions.fisherinvestme=
nts.com/OTM3LVhNVS01MzcAAAGYCa4zToOUpFhNtP00IRbSnph8Fi-EiWIZ7HcCa2_uSYNlxwn=
QzqneNghT14IYg9MLeA7_Chc=3D>
Find more retirement plan resources to improve your company=E2=80=99s plan.=
 <https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGYCa4zTkjz=
-0KTci4UwC3i99hIKimMGjrvjDBL8dtM_t4Q35gtXD6bYcVNVSNIhg0ip-W7RiQ=3D>

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<span style=3D"font-size: 32px;">A Better 401(k)</span>
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Seize the opportunity.
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<td style=3D"background-color: #01b187;"><a href=3D
"https://401k.solutions.fisherinvestments.com/OTM3LVhNVS01MzcAAAGYCa4zToUjt=
UqG6yAr3GTzO0Lceif1vvNhvL0mJ6ZgRRpCy-NNvM5O1wp4IxZtdwfUWRPoXIQ=3D" target=
=3D"_blank" style=3D"border: 1px solid #01B187; background-color: #01b187; =
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-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
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</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=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=
U-537/images/transparent.gif" width=3D"30" height=3D"1" border=3D"0" style=
=3D"width: 30px; height: 1px; 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=
">=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=
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<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-=
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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',=
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or: #333333; letter-spacing: -0.013em;" class=3D"mktoText rich-text-area co=
ntent-section" id=3D"emailTextBlock">
Is your company=E2=80=99s retirement plan the best it can be? You can find =
out in just a few minutes. Our 401(k) Plan Checklist walks you through all =
the ways your company=E2=80=99s retirement plan could be underperforming =
=E2=80=94 costing you and your employees.=20
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t to learn how to maximize:<br /><br /></strong></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=
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<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
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<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
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<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=
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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
<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;" class=3D"faux-bu=
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<tbody>=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" width=3D"484">=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" i=
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Employee participation and savings rates
</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
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 12px;"=
 height=3D"8">=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"12" border=3D"0" style=
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</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=
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</div> </td>=20
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907b-e07910ffbcb2">=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-=
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<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
<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;" class=3D"faux-bu=
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<tbody>=20
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<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
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<td style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode', =
'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 20px; colo=
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: top;" valign=3D"top" width=3D"484">=20
<div style=3D"font-size: 14px; font-family: verdana, 'Lucida Sans Unicode',=
 'Lucida Grande', 'Noto Sans', 'Roboto', sans-serif; line-height: 22px; col=
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Plan compliance and management of fiduciary risk
</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
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 12px;"=
 height=3D"8">=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"12" border=3D"0" style=
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</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=
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</div> </td>=20
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</tbody>=20
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b539-77bd4b97056b">=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=
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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
<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;" class=3D"faux-bu=
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<tbody>=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=
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<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" width=3D"484">=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" i=
d=3D"emailBulletedTextBlock2df45d20-f2f7-4a6d-bbed-822aa6b1b827">
Cost controls for your company and employees
</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
<tr>=20
<td colspan=3D"3" style=3D"font-size: 1px; line-height: 0px; height: 12px;"=
 height=3D"8">=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"12" border=3D"0" style=
=3D"width: 1px; height: 12px; display: block;" />=20
</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=
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</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
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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
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<td style=3D"border-left: 1px solid #E4E4E4; border-right: 1px solid #E4E4E=
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<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"mso-table-=
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<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=
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=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',=
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or: #333333; letter-spacing: -0.013em;" class=3D"mktoText rich-text-area co=
ntent-section" id=3D"emailTextBlock24b5081f-f0b8-46ad-9c6f-f1453a7a361c">
Learn how to optimize your retirement plan in 2025. Get our 401(k) Plan Che=
cklist today to find out.
</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=
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</div> </td>=20
</tr>=20
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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-=
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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=
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</div> </td>=20
</tr>=20
</tbody>=20
</table> </td>=20
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<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-=
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<tbody>=20
<tr>=20
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rif; line-height: 16px; color: =20
#666666; letter-spacing: -0.005em;">As of July 1, 2024, advisory services a=
re provided by Fisher Retirement Solutions, which is not connected to Fishe=
r Investments. Fisher Retirement Solutions=E2=84=A2 and all related logos a=
nd designs are trademarks of Fisher Retirement Solutions, LLC. Investing in=
 securities involves the risk of loss. Intended for use by employers consid=
ering or sponsoring retirement plans: not for personal use by plan particip=
ants.<br /><br />Fisher is proud to have CEFEX=C2=AE certification, which a=
ffirms our commitment to putting clients=E2=80=99 interest first and adhere=
nce to industry best practices. We believe this independent verification he=
lps validate our value and helps you further demonstrate your prudent proce=
ss in evaluating service providers. This certification was received on Nove=
mber 23, 2021, and is based on data from November 23, 2021=E2=80=93November=
 23, 2024. You can find CEFEX=E2=80=99s=C2=AE Independent Assessment Report=
 https://www.cefex.org/RegisteredCompanyList/IAR?z13=3DUaSZmYbeo%252bk%253d=
&amp;z33=3DQaMADeW%252bv%252fw%253d. The Centre for Fiduciary Excellence (C=
EFEX=C2=AE) is an independent organization that certifies financial service=
s firms and investment managers that meet globally recognized standards of =
fiduciary conduct and investment stewardship. CEFEX=C2=AE-certified firms u=
ndergo annual assessments of investment management processes, investment st=
rategy implementation and other practices demonstrating adherence to the hi=
ghest fiduciary standards.<br /><br />The National Association of Plan Advi=
sors (NAPA), an affiliate organization of the American Retirement Associati=
on, was created by and for retirement plan advisors. NAPA members benefit f=
rom access to the association=E2=80=99s advocacy, information and education=
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nts on education offerings, and the opportunity to be recognized in widely =
regarded industry accolades. Each year, NAPA publishes a list of top retire=
ment plan advisors and defined contribution practices=E2=80=94recognizing a=
dvisors selected based on criteria including information about their practi=
ces, notably advised defined contribution assets. Fisher Investments pays a=
n annual membership fee to be eligible for consideration. Please note, in 2=
024 NAPA updated the award title to reflect the year in which the award is =
released, rather than the AUA =E2=80=9Cas of date.=E2=80=9D Therefore, ther=
e isn=E2=80=99t a list titled =E2=80=9C2023.=E2=80=9D For more information =
about this award, please visit: https://www.napa-net.org/top-dc-advisor-mul=
ti-office-firms-2024. This award was received on April 4, 2023, and is base=
d on data from December 31, 2022=E2=80=93December 31, 2023.<br /></span> </=
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