Return-Path: <937-XMU-537.0.210905.0.0.17802.9.4611889@em-sj-77.mktomail.com> Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id aGfeFeVRmmfpqQ8AchKAPA (envelope-from <937-XMU-537.0.210905.0.0.17802.9.4611889@em-sj-77.mktomail.com>) for ; Wed, 29 Jan 2025 10:05:57 -0600 Return-path: <937-XMU-537.0.210905.0.0.17802.9.4611889@em-sj-77.mktomail.com> Envelope-to: andrew@sterlingcal.com Delivery-date: Wed, 29 Jan 2025 10:05:57 -0600 Received: from em-sj-99.mktomail.com ([199.15.214.199]:47141) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384 (Exim 4.96.2) (envelope-from <937-XMU-537.0.210905.0.0.17802.9.4611889@em-sj-77.mktomail.com>) id 1tdAZg-004LZO-2h for andrew@sterlingcal.com; Wed, 29 Jan 2025 10:05:57 -0600 X-MSFBL: ogYDxgOWRGvpmgUg1yZ8geqIrOQAtP0av4WqV3P7plg=|eyJyIjoiYW5kcmV3QHN 0ZXJsaW5nY2FsLmNvbSIsImciOiJiZy1zai0wMSIsImIiOiJkdnAtMTk5LTE1LTI xNC0xOTkiLCJ1IjoiOTM3LVhNVS01Mzc6MDoxNzA1MDo3NDYxOToyNDIzNzg6MTc 4MDI6OToyMTA5MDU6NDYxMTg4OSJ9 DKIM-Signature: v=1; a=rsa-sha256; q=dns/txt; c=relaxed/relaxed; t=1738166744; s=m1; d=fisher401k.com; i=@fisher401k.com; h=List-Unsubscribe:List-Unsubscribe-Post:Content-Type:MIME-Version:Subject:To:From:Date; bh=bdtvR0QaxJDou0rGxe9brWdjv0X1yb0HWGBuymXAaW8=; b=YXzwfXp/FGu3OpoZOqUaPbFaNIi8IOypdEr/kCxfP2HBbhXGmyTnEvvuaEPGqSf/ mc/9k/kSAcVSt0z709BUNnow2lm2e4eZcI5OXytjJ65dNfxLNyE6RleIdkvLWDN9lP7 RWeET8cuBzmDWKb+zz6kPnYq7v0URCkcXItL8kCw= DKIM-Signature: v=1; a=rsa-sha256; q=dns/txt; c=relaxed/relaxed; t=1738166744; s=m1; d=mktomail.com; i=@mktomail.com; h=List-Unsubscribe:List-Unsubscribe-Post:Content-Type:MIME-Version:Subject:To:From:Date; bh=bdtvR0QaxJDou0rGxe9brWdjv0X1yb0HWGBuymXAaW8=; b=Wn2fm9oxZvsUz8duwUHyKicPujGqBzqJHfPO9N/TKTvuspKUyKJhdXLfEIyKgRBr FWiDjZNiDU7i9tb8BO3aNCVpkCRvJS5OuxnEbTlwferWrE7y4ge/0+/chWYPuWld51B E7sw74dkFiPGzUZBmXbANITan44J+TVArqX/au8o= Date: Wed, 29 Jan 2025 10:05:44 -0600 (CST) From: Nathan Fisher Reply-To: info401k@fi.com To: andrew@sterlingcal.com Message-ID: <1180401998.43891161.1738166744548@sjmktmail-batch1g.marketo.org> Subject: Lurking 401(k) risks MIME-Version: 1.0 Content-Type: multipart/alternative; boundary="----=_Part_43891160_1398731148.1738166744547" X-Binding: bg-sj-01 List-Unsubscribe-Post: List-Unsubscribe=One-Click List-Unsubscribe: , X-MarketoID: 937-XMU-537:0:17050:74619:242378:17802:9:210905:4611889 X-PVIQ: mkto-937XMU537-000001-000000-210905 X-Mailfrom: 937-XMU-537.0.210905.0.0.17802.9.4611889@em-sj-77.mktomail.com X-MktArchive: false X-MSYS-API: {"options":{"open_tracking":false,"click_tracking":false}} X-MktMailDKIM: true X-Spam-Status: No, score=-4.2 X-Spam-Score: -41 X-Spam-Bar: ---- X-Spam-Flag: NO ------=_Part_43891160_1398731148.1738166744547 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: quoted-printable 401(k) Checklist 401(k) Plan Checklist Review your risks. =C2=A0 Download =C2=A0 There may be risks lurking in your company=E2=80=99s 401(k). Former employe= es remaining on your plan, compliance issues, and fiduciary confusion can r= isk costs spiraling out of control, especially if your company is penalized= for not meeting its fiduciary duties.=20 =20 The new year is a great time to review your plan for potential risks and ta= ke steps to fix them. Chances are, there=E2=80=99s something you can do to = improve the value of your company=E2=80=99s 401(k).=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 Now=E2=80=99s the time to reduce your risk and maximize the value of your c= ompany=E2=80=99s retirement plan. =C2=A0 Download Checklist =C2=A0 Find more retirement plan resources to improve your company=E2=80=99s plan.= This email was sent to andrew@sterlingcal.com. If you no longer wish to rec= eive these emails you may unsubscribe here: https://401k.resources.fisherin= vestments.com/preference-center.html?mkt_unsubscribe=3D1&mkt_tok=3DOTM3LVhN= VS01MzcAAAGYUchl2_VBI1VAQHQL77XhOjF93jwyIYy-3XwRHae7FW4QDMpK7wOZSefTUnPGPjB= VoHU873qhihpt2Rq5OtAAfcAsljP6uo92Qc_tsUcq6d2Ucw. ------=_Part_43891160_1398731148.1738166744547 Content-Type: text/html; charset=UTF-8 Content-Transfer-Encoding: quoted-printable =20 A message from Fisher Investments 401(k) Solutions =20 =20 =20 =20 =20 =20 =20
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401(k) Plan Checklist
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Review your risks.
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There may be risks lurking in your company=E2=80=99s 401(k). Former employe= es remaining on your plan, compliance issues, and fiduciary confusion can r= isk costs spiraling out of control, especially if your company is penalized= for not meeting its fiduciary duties.=20
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The new year is a great time to review your plan for potential risks = and take steps to fix them. Chances are, there=E2=80=99s something you can = do to improve the value of your company=E2=80=99s 401(k).=20
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Download the 401(k) Plan Checklis= t to learn how to maximize:

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Employee participation and savings rates
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Plan compliance and management of fiduciary risk
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Cost controls for your company and employees
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Now=E2=80=99s the time to reduce your risk and maximize the value of your c= ompany=E2=80=99s retirement plan.
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=C2=A9 2025 Fisher Retirement Solution= s = =20
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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.

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= &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.

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= resources, as well as preferential rates and access to NAPA events, discou= 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.
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