PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. This is a backtested, hypothetical illustration. Previous back tested projections do not guarantee future results. ALTHOUGH OUR PROTACTICAL™ INVESTMENT PROCESS EMPHASIZES DOWNSIDE PROTECTION, LOSS OF PRINCIPAL CAN OCCUR. 401K GPS cannot guarantee the accuracy of this report or the data provided.

The presentation above reflects the performance of a hypothetical investor’s retirement account. The hypothetical investor is presumed to be 45 years of age on 1/1/2000, with a beginning balance of $100K. 401k GPS began providing investment advice as a registered adviser in 2011, several years after the start date for the hypothetical performance shown. Therefore, no 401k GPS client account was actually invested in the manner shown. However, the presentation does apply the trading/reallocation “triggers” of the Protactical™ investment process developed and used by 401k GPS’s affiliate, Executive Wealth Management, Inc., over the period shown. Therefore, unlike “back-tested performance,” which similarly does not reflect actual account performance, does not take into account the impact that material economic and market factors might have on an investment adviser’s decision-making process and can be adjusted and readjusted using historical market data until the desired result is obtained, the Protactical™ process and resulting investment/allocation triggers depicted above were recommended in real time by 401k GPS’s affiliate. Nevertheless, in selecting the criteria for this presentation, 401k GPS did have some opportunity to “optimize” it, including the selection of the start date and age of the hypothetical investor (which permitted depiction of performance reflecting an allocation change to a more conservative approach a mere two to three years before the market meltdown of 2007-2008).

The Protactical™ investment process attempts to actively reallocate holdings in a client’s account, represented by broad asset categories, to take advantage of anticipated future changes in the securities markets. These broad asset categories are represented by the following indices: the S&P 500 (as proxy for Large Cap holdings), the S&P 400 (as proxy for Mid Cap holdings), the Russell 2000 (as proxy for Small Cap holdings), the MSCI EAFE (as proxy for international equity holdings), the Barclays Aggregate Bond Index (as proxy for the bond market in general) and the U.S. T-Bill Dividend Adjusted Index (as proxy for cash). However, it is not possible to invest directly in an index. Any particular client’s retirement plan may offer investment options tracking different indices or actively managed funds to represent these different asset classes. Some plans may fail to offer investment options representing one or more of these asset classes. As such, one 401k GPS client’s actual performance may diverge significantly from another 401k GPS client using the same services and Protactical™ approach.

The S&P 500 includes 500 leading companies in leading industries of the U.S. economy, and is a proxy for the large cap portion of the U.S. equity market, with approximately 75% coverage of U.S. equities. The MSCI EAFE Index (Europe, Australasia, Far East) is a free float-adjusted market capitalization index that is designed to measure the equity market performance of developed markets, excluding the U.S. and Canada. The Barclays Capital U.S. Aggregate Bond Index is a broad-based benchmark that measures the investment grade, U.S. dollar-denominated, fixed-rate taxable bond market, including Treasuries, government-related and corporate securities. The Russell 2000 Index measures the performance of the small-cap segment of the U.S. equity universe. The S&P 400 provides investors with a benchmark for mid-sized U.S. companies. The U.S. T-Bill Dividend Adjusted Index measures the return of short term debt obligations of the U.S., with a maturity of less than one year. All index returns shown reflect price returns except for the U.S. T-Bill Dividend Adjusted Index and the Barclays Aggregate Bond Index.

The hypothetical performance above is shown net of the highest fee charged by 401k GPS for its services. Management expenses of any investment vehicle used to replicate this approach, along with any possible trading, commissions, service expenses, and any other expense would lower returns. For any mutual fund investments in the strategy, information about the fund advisor/management fees and expenses can be provided in the prospectus for each mutual fund. Leverage is not used in the Protactical™ process and is not reflected in the hypothetical performance presented above. The results reflect the reinvestment of dividends and other earnings.

As with any investment strategy, there is potential for profit as well as the possibility of loss. Past performance does not guarantee future returns.