Schaedler Yesco Distribution Inc. 401(k) Plan

Your Financial

Wellness – How to do

a Check-up on Your

401(k) Account

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Conrad Siegel Actuaries Harrisburg based benefits firm

Record keeping - quarterly statements

Conrad Siegel Investment Advisors, Inc. Independent investment consultants

Recommend and monitor investment choices

Who We Are

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Questions You Need to Answer

Are you saving enough?

Are you maximizing your employer’s match?

Are you properly diversified?

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Are you saving enough?

Retirement Savings Worksheet

Complete the worksheet

Decide how much youneed to save now

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Employer matching contribution Discretionary amount Contributed with each payroll period Current Match = 100% up to 3% of

compensation For example:

Employee contribution = $1,000 Employer matching contribution = $1,000!!! (Assumes $1,000 is less than 3% of

compensation.)

Conditions for match: Make a 401(k) contribution

Are you maximizing your employer match?

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Employer matching contribution

Bi-weekly gross pay

$1,400

$1,400

401(k) -$14 -$42

Federal Taxes (15% tax bracket)

-$208 -$204

Net Pay (before other deductions)

$1,178

$1,154

Employee A

Employee B

$24 difference

Are you maximizing your employer match?

Contributing 1%

Contributing 3%

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Employer matching contribution

Employee A

Employee B

401(k) $14 $42

Match $14 $42

Total Contribution $28 $84

$24 reduction in take home pay results in $56 extra in retirement savings every pay check!

Are you maximizing your employer match?

Contributing 1%

Contributing 3%

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Are you maximizing your employer match?

For $24 less each paycheck (or $624 for the year) in take home pay, you have $15,545 more at retirement!

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2% Individual Security Selection

2% Market Timing

96% Asset Allocation

Brinson Studies of 1986 and 1990

Are you properly diversified?

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Risk Assessment Quiz

Complete the risk quiz

Decide your risk level

This will help you makeyour investment choices

Are you properly diversified?

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Your Results

Less Risk More Risk

Are you properly diversified?

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Account Investing Methods

Option AProfessionally

Managed Solution: Lifestyle Funds

Option BEmployee Managed

Solution:Create Your Own

Portfolio

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Lifestyle Funds

If you would rather have an investment professional decide how to invest your account, you can choose one of the Lifestyle Funds, which are portfolios of investments with pre-determined asset allocations.

Less Risk

More Risk

Conservative Moderate Balanced Growth

Vanguard LifeStrategy Income Fund

Vanguard LifeStrategy Conservative Growth Fund

Vanguard LifeStrategy Moderate Growth Fund

Vanguard LifeStrategy Growth Fund

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If you are choosing a Lifestyle Fund, read the description of your Investment Style, and then choose the appropriate LifeStyle Fund.

Balanced - The goal of this asset allocation should be a

balance of asset growth with a fair amount of current

income. This can be appropriate for those with a time

horizon of at least 10 years, which is a full market

cycle. These individuals realize that retirement is far

enough away that they can ride out any account

fluctuations.

Investment Style

Lifestyle Funds

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Create Your Own Portfolio

If you are creating your own portfolio of investments, here is just one sample to help you get started in building a properly diversified portfolio.

Balanced - The goal of this asset allocation

should be a balance of asset growth with a fair

amount of current income. This can be

appropriate for those with a time horizon of at

least 10 years, which is a full market cycle.

These individuals realize that retirement is far

enough away that they can ride out any account

fluctuations.

1991-2010 8.39%

Best Year 36.03%

Worst Year -28.82%

5% Money Market

35% Bonds

27% Large Cap Stocks

6% Mid Cap Stocks

9% Small Cap Stocks

18% Foreign Stocks

Investment Style Average Annualized Returns

Sample Asset Allocation

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Website Tools

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Website Tools

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Website Tools

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Statements Electronically

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Statements Electronically

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Statements Electronically

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Statements Electronically

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Log onto www.my-benefit-info.comfor internet access

Questions? Call our Customer Service Line 1-800-577-3675 M-F 8:00 a.m. to 6:00 p.m., Eastern Time

Website Information

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Complete the Deferral Change Form in your Tool Kit

Return Form to Human Resources

Change will be effective April 1

Increase Your 401(k) Contributions

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Conrad Siegel Investment Advisors, Inc. ("CSIA") is an SEC registered investment advisor with its principal place of business in the Commonwealth of Pennsylvania. CSIA and its representatives are in compliance with the current notice filing requirements imposed upon registered investment advisors by those states in which CSIA maintains clients. CSIA may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. This presentation is limited to the dissemination of general information pertaining to its investment advisory/management services. Any subsequent, direct communication by CSIA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of CSIA, please contact CSIA or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).For additional information about CSIA, including fees and services, send for our disclosure statement as set forth on Form ADV from CSIA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.

This presentation contains general information that is not suitable for everyone. The information contained herein should not be construed as personalized investment advice. Past performance is no guarantee of future results. There is no guarantee that the views and opinions expressed in this presentation will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security.

Disclosure

Schaedler Yesco Distribution Inc. 401(k) Plan