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april 21-23, 2015 lexington, ky

Advisor symposium

Racing toRetirement Success

Our sponsors

Thank you To our 2015 unified TrusT advisor symposium sponsors!

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rust adVisor symposium 2015

keeneland racetrack

A Day at the races

Wednesday, april 22, 2015

A Day at the races

On Wednesday, April 22nd, the 2015 Symposium will feature a special outing to Keeneland Race Track, located in the heart of Kentucky’s famed Bluegrass region, for live horse racing! We will be joined by Hall of Fame jockey Chris McCarron.

special guesT speaker chris mccarronChris McCarron, Hall of Fame jockey, retired in 2002 as thoroughbred racing’s all-time leader in purse earnings with more than $264 million in winnings. McCarron, born in Boston, Massachusetts, won virtually every major race in North America including six Triple Crown and nine Breeders’ Cup victories during his 28 year career.

McCarron received many awards and accolades over the years including the Eclipse Award for the nation’s leading apprentice jockey in 1974; the Eclipse Award for the nation’s leading jockey and the George Woolf Memorial Jockey Award in 1980; the Espy for outstanding achievement in racing in 1995; and was inducted into the National Racing Hall of Fame in his first year of eligibility.

In 2003, McCarron served as a technical advisor, racing designer and actor in the 2003 film Seabiscuit. That same year he assumed the role as General Manager of Santa Anita Park. McCarron has also been a color analyst for major races, including Triple Crown events and the Breeders’ Cup, on ABC, NBC, ESPN, HDNet and TVG.

Most recently he founded The American Racing Academy, the first racing academy located in the United States. He is the lead instructor for this program at Bluegrass Community and Technical College in Lexington, KY.

reTired hall of fame Jockey • kentucky derby: 1987 Alysheba, 1994 Go For Gin• preakness: 1987 Alysheba, 1992 Pine Bluff• belmont: 1986 Danzig Connection, 1997 Touch Gold• breeders’ cup classic: 1988 Alysheba, 1989 Sunday

Silence, 1996 Alphabet Soup, 2000 and 2001 Tiznow• breeders’ cup sprint: 1985 Precisionist• breeders’ cup distaff: 1992 Paseana• breeders’ cup Juvenile: 1992 Gilded Time• breeders’ cup Turf: 1995 Northern Spur

A Day at the races

abouT keeneland raceTrack Located in the heart of Kentucky’s famed Bluegrass region, Keeneland plays an important role in both Thoroughbred racing and breeding.

From its inception in 1936, Keeneland’s founders intended it to be a special place—one that symbolizes the best in Thoroughbred racing. Today, Keeneland continues to be guided by that original mission, taking a leadership role in the industry to improve safety, promote integrity and preserve racing’s storied history. Each April and October, the nation’s best Thoroughbred owners, trainers and jockeys converge at Keeneland to compete for some of North America’s richest purse money.

As the world’s leading Thoroughbred auction house, Keeneland has sold more champions and stakes winners than any other sales company, including 83 Breeders’ Cup World Championship winners; 19 Kentucky Derby winners; 21 Preakness winners; 18 Belmont winners; 11 recipients of the Eclipse Award as Horse of the Year; and five Epsom Derby winners.

Keeneland is a National Historic Landmark, and its beautiful, park-like grounds are open to the public every day. Fans also are welcome to visit the Keeneland Library, one of the world’s largest repositories of information and photographs related to Thoroughbred racing.

The agenda

monday, april 20, 20155:00pm-7:00pm opening reception featuring cocktails and a light buffet

Hyatt Regency, HYTOPS Bar (A private bar inside of the Hyatt)

Tuesday, april 21, 2015All sessions are held in the Thoroughbred Rooms of the Lexington Convention Center (located just outside of the Hyatt Regency Lobby) unless otherwise noted.

7:45am-8:30am registration and breakfast

8:30am-8:45am Welcome & introduction

8:45am-10:15am keynote presentation: The behavior gapCarl Richards, author of the book “The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money”

10:15am-10:30am break

10:30am-11:45am Transforming the 401(k) into an effective retirement planDr. Gregory Kasten, Founder & CEO, Unified Trust

11:45am-12:45pm lunch break

12:45pm-1:45pm The self directed brokerage conundrumLee Topley, Managing Director-Retirement Plan Consulting Group, Unified Trust

1:45pm-2:45pm advisor best practicesJoe Connell, Retirement Plan Advisor of the Year, Sikich Financial

2:45pm-3:00pm break

3:00pm-4:00pm PrudentInvesting:AUnifiedTrustMarketUpdateAndrew Windsor, Retirement Investment Analyst, Unified Trust

5:15pm-6:15pm UnifiedTrustTeamMeet&GreetNetworkingReception (held outside of the Thoroughbred Rooms)

6:00pm-7:30pm private buffet open for dinner

The agenda

Wednesday, april 22 2015

7:45ammeet to board buses for keeneland racetrackPlease meet in front of Rupp Arena (exit the front doors of the hotel, walk to the right and to meet the bus by the sidewalk that is directly in front of Rupp Arena)

8:00am buses leave for keeneland racetrack Please meet at 7:45 a.m., as the buses will leave promptly at 8:00 a.m.

8:30am-8:45am Working breakfast-Welcome/introduction in the keeneland sales pavillion

8:45am-9:45am alpha, beta, and now...gammaDavid Blanchett, Head of Retirement Research, Morningstar

9:45am-11:00am volatility management-protecting investors from Themselves Margaret Dorn, Business Development Officer–Fund Advisory Services, Milliman Financial Risk Management LLC

11:00am-11:15am break

11:15am-12:00pm special guest speakerChris McCarron, Retired Hall of Fame Jockey

12:00pm short walk to the keeneland racetrack suites

12:30pm-5:00pm lunch/live horse racing in the lafayette room

3:00pm-5:00pm bus leaves keeneland for the hyatt every half hour starting at 3:00pm. final bus departs at 5:00pm.

5:30pm-7:30pm private buffet open for dinner in the hyatt Thoroughbred rooms

keeneland raceTrack aTTireLadies should wear conventional dress, suits, tailored pantsuits, dress slack with a jacket or proper blouses or sweaters and dress shoes. Mini skirts, shorts, athletic suits/shorts or abbreviated attire are not acceptable. Denim is not permitted. Gentlemen should wear conventional coat, dress shirt, tie and dress shoes. Turtleneck shirts, collarless shirts or sweaters, sport or polo shirts, athletic suits/shorts or t-shirts are not acceptable. Denim is not permitted. Keeneland reserves the right to deny admittance to anyone considered to be inappropriately attired.

The agenda

Thursday, april 23, 2015All sessions are held in the Thoroughbred Rooms of the Lexington Convention Center (located just outside of the Hyatt Regency Lobby) unless otherwise noted.

7:45am-8:30am breakfast

8:30am-8:45am Welcome & introduction

8:45am-9:45am erisa legal and regulatory updateThomas Clark, The Wagner Law Group

9:45am-10:45am fiduciary Jeopardy: a Tournament of advocates Dr. Gregory Kasten, Founder & CEO, Unified Trust

10:45am-11:00am break

11:00am-12:00pm prudent fee benchmarking Michael Marr, President & COO, Castle Rock Innovations

12:15pm-12:30pm closing remarks

12:30pm-1:30pm networking lunch

Continuing education

The Workshop is designed to comply with several types of Continuing Education programs.

In order to receive Continuing Education credit for ASPPA, attendees must request and retain written verification of attendance from Unified Trust. Attendees will be responsible for reporting Continuing Education credits as well as complying with all guidelines set forth by ASPPA.

In order to receive Continuing Education credit for CFP, attendees must provide Unified Trust with their CFP number, sign in and out of the conference and receive a course certificate. For this reason, if you are seeking CFP Continuing Education credits please let us know prior to the conference start date. CFP numbers can be sent to heather.weeks@unifiedtrust.com.

Please see Melissa Geertz at conclusion of the conference to pick up your course certificate.

If you have any additional questions, please contact Melissa Geertz at melissa.geertz@unifiedtrust.com or at 859-422-0483.

Keynote speaker

carl richardscerTified financial plannerTm & direcTor of invesTor educaTion, The bam allianceCarl Richards is a CERTIFIED FINANCIAL PLANNERtm and the director of investor education for the BAM ALLIANCE, a community of over 130 independent wealth management firms throughout the United States. He is the creator of the weekly Sketch Guy column in the The New York Times, and is a columnist for Morningstar Advisor. Carl has also been featured on Marketplace Money, The Leonard Lopate Show, Oprah.com and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual

learning events around the world.

Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his first book, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin). Carl’s art appeared in a standalone show at the Kimball Art Center, in Park City, Utah. Other showings include The Parson’s Gallery in New York, The Shultz Museum, and Lords Manor in London. His commissioned work is on display in businesses and educational institutions across the country. He lives with his family in Park City, Utah.

Featured speakers

gregory W. kasTen, md, mba, cfp®, cpc, aifa®

founder & ceo, unified TrusT companyDr. Gregory W. Kasten serves as Founder and CEO of Unified Trust Company. Following graduation from Southern Illinois University School of Medicine in 1980, he completed an internal medicine internship and anesthesiology residency at the University of Kentucky Medical Center and is a board certified anesthesiologist.

He has published more than 90 papers on financial planning and investment-related topics in various financial and business journals;

written two editions of the book Retirement Success; and in 2005 he coauthored the first place winning paper entitled: “Post Modern Portfolio Theory” and presented the paper at the Financial Planning Association national meeting. Dr. Kasten has given dozens of lectures on fiduciary best practices to pension professionals and Federal banking regulators. In 2007-2009, Medical Economics listed Dr. Kasten as one of “The 150 Best Financial Advisers for Doctors” in the country. Dr. Kasten was inducted into the Advisor Hall of Fame by Research Magazine in 2011 and in 2013 was named Retirement Plan Adviser of the Year by Employee Benefit Adviser Magazine. He has more than thirty years of investment experience and has been with the company since he founded it in 1985.

Dr. Kasten developed the Unified Fiduciary Monitoring Index® as a method of measuring mutual fund and predictive performance factors when observed from a fiduciary standpoint. In 2007-2010, Dr. Kasten oversaw development of the revolutionary UnifiedPlan®. The UnifiedPlan creates a “pension-like” experience for each 401(k) plan participant, and greatly improves their retirement success. Beginning in 2006, CEFEX, the Centre for Fiduciary Excellence, LLC, has annually certified Unified Trust to the Fiduciary Practices for Investment Advisors. Unified Trust was among the first Investment Advisors globally to successfully complete the independent certification process, and was the first trustee certified in the United States. Unified Trust was certified for its discretionary investment services provided in a trust environment for trustee-directed and participant-directed DC plans and individual investors. Created as a discretionary trustee fiduciary service, Unified Trust Company’s goal is to always provide loyalty and expert standard of care to all clients.

Joe connell, aif®, qpfc, crps®, rf™sikich financialreTiremenT plan advisor of The yearJoe has dedicated the past 15 years to helping organizations improve their retirement programs. His long-term track record of success is a result of working with hundreds of employers in implementing prudent processes designed to help manage fiduciary liability and plan expenses, meet specific plan objectives and significantly improve participant outcomes.Joe is a frequent and nationally recognized speaker and presenter to employer and industry groups. He has conducted numerous retirement plan workshops

educating employers on the key elements of successful retirement plans.Joe was recently named the 2014 Retirement Plan Advisor of the Year by PlanSponsor magazine, which chooses an advisor annually that best represents their mission to help make retirement security a reality for workers across the nation.

Featured speakers

lee Topley, aifa® managing direcTor-rpcgunified TrusT companyMr. Topley received his BS in Accounting from Pennsylvania State University in May 1983 and is the Managing Director for the Retirement Plan Consulting Group at Unified Trust Company. He possesses more than 30 years of experience within the retirement services industry with managing business development, relationship management and client service personnel within investment management and trust units of major financial services organizations.

Mr. Topley is responsible for the management and oversight of the overall business strategy for the Retirement Services Line of Business. He also serves as a member of Unified Trust Company’s Trust Executive, and Trust Investment Committees, where he participates in formulating and administering company policies and developing long-range goals and objectives.

david m. blancheTT, cfa, cfp®, aifa®

head of reTiremenT research, morningsTar invesTmenT managemenTDavid M. Blanchett, CFA, CFP®, aifa®, is the head of retirement research for Morningstar Investment Management. In this role, he works to enhance the group’s consulting and investment services. He conducts research primarily in the areas of financial planning, tax planning, annuities, and retirement plans and he serves as the Chairman of the Advice Methodologies investment subcommittee. Prior to joining Morningstar, he was the Director of Consulting and Investment Research for the Retirement Plan Consulting Group at Unified Trust Company in Lexington, KY.

His research has been published in a variety of academic and industry journals and has been featured in a variety of media publications. His research won the Journal of Financial Planning’s 2007 Financial Frontiers Award, the Retirement Income Industry Association’s 2012 Thought Leadership Award, and the Journal of Financial Planning’s 2014 Montgomery-Warschauer Award. In 2014 Money Magazine named him one of the five brightest minds in retirement and in 2014 InvestmentNews included him in their inaugural 40 under 40 list as a “visionary” for the financial planning industry. He is a RetireMentor for MarketWatch and an Expert retirement panelist for the Wall Street Journal.

Featured speakers

andreW Windsor, cfa®

reTiremenT invesTmenT analysTunified TrusT companyMr. Windsor received his BS in Business Administration from Acadia University and is the Retirement Investment Analyst at Unified Trust Company. He oversees the analysis, selection and monitoring of ERISA retirement plan investment options, as well as asset allocation model portfolios for the Retirement Plan Consulting Group Business. Mr. Windsor received the Chartered Financial Analyst (CFA) designation in September of 2006 and is a member of the CFA Society of Memphis. He joined Unified Trust in 2013 and has over 13 years in investment management.

Thomas e. clark, Jr. Jd, llmThe Wagner laW groupThomas E. Clark, Jr. is Of Counsel with The Wagner Law Group, a law firm specializing in ERISA & Employee Benefits, Estate Planning, and Employment, Labor & Human Resources Law. His expertise encompasses all aspects of employee benefits programs, including the design, implementation and compliance of retirement plans, health and welfare plans, and executive and incentive compensation arrangements. He also has a robust practice assisting covered service providers in meeting their ERISA compliance needs.Tom is also a well-seasoned ERISA litigator. Earlier in his career, he worked for the law firm of Schlichter, Bogard & Denton including on such landmark cases

as Tibble v. Edison, which will be heard by the U.S. Supreme Court this year. Tom is Editor-in-Chief of the Fiduciary Matters Blog, a blog visited over 120,000 times since its first publication in March 2013. He also teaches ERISA Fiduciary Law as an Adjunct Professor at the Washington University in St. Louis School of Law, his alma mater.

Featured speakers

margareT dornfinancial risk managemenT, direcTor of reTail sales, fund advisory services, milliman financial risk managemenT llc.Maggie manages the Retail Sales Division for the distribution efforts within Milliman’s Financial Risk Management Practice. This group advises corporations and financial institutions on financial and capital markets risk management. In her current role, Maggie heads the distribution efforts of Even Keel Investments to both retail and institutional clients.Prior to joining Milliman in 2012, Maggie spent many years working with

several leading global asset managers, including Invesco PowerShares and ETF Securities. Most recently, Maggie worked within a division of Northern Trust Global Investments and assisted in the distribution efforts associated with the initial launch of their Exchange Traded Fund platform.

Featured speakers

michael marr presidenT & coo casTle rock innovaTions, inc.Mr. Marr is Co-Founder, Chief Operating Officer and President of Castle Rock Innovations. For more than 20 years, he has delivered state-of-the-art solutions for the retirement and capital markets industries. Mr. Marr is responsible for all operations and delivery of AXIS Retirement Analytics Platform™. He continues to collaborate with Broker Dealers, Record-Keepers and 3rd Party Administrators to fully understand their business models and has positioned AXIS as the leading analytic solution for the retirement industry.

Mr. Marr graduated Cum Laude from Rensselaer Polytechnic Institute with a Bachelor of Science in computer science.

About unified trust

abouT unified TrusTUnified Trust Company is a nationally chartered trust company founded by CEO Gregory W. Kasten, MD, MBA, CFP®, cpc, aifa®.

In 1985 Dr. Kasten, then a Board Certified Anesthesiologist practicing in Lexington, Kentucky, started one of the few fee-only investment advisory practices then existing in the United States. Specializing in asset management for fellow physicians and high-net-worth clients, Dr. Kasten’s reputation grew so rapidly that he left the practice of medicine and built his firm into a national trust company with a reputation for prudence and sound investment philosophy. Today Unified Trust Company, headquartered in Lexington, KY, helps investors manage over $4 billion in total assets.

advisor servicesWith our focus on improving participant outcomes, Unified Trust Company has evolved into a leading edge platform for advisors. We find that we can do the most good for our clients when we work in concert with advisors. Our advisors complement our services to accomplish a common mission: to always do what is best for our clients to help them reach their ultimate retirement goals.

About our sponsors

meTlifeFor over 35 years, MetLife’s team of Stable Value professionals has been widely acknowledged as leading industry experts in Stable Value. We’ve forged strong partnerships, and created and implemented Stable Value strategies that help plan participants reach their retirement goals. We’re proud of our heritage and committed to the Stable Value asset class.

milliman financial risk managemenTMilliman is one of the world’s largest independent actuarial and consulting firms. For more than six decades, Milliman has combined technical expertise with business acumen to create elegant solutions for our clients. Today, we are helping companies take on some of the world’s most critical and complex issues, including retirement funding and healthcare financing, risk management and regulatory compliance, data analytics and business transformation. Milliman’s Financial Risk Management group provides investment advisory, hedging, and consulting services on $150 billion in global assets.

maTrix financial soluTionsMatrix Financial Solutions, a Broadridge company, is the leading independent provider of TrueOpen™ products and services for financial professionals, including third party administrators, recordkeepers, financial advisors, broker/dealers, mutual fund providers, insurance providers, and banks, among others. Our expertise and experience is in working with our clients to turn today’s challenges into opportunities, by first understanding your needs and then delivering the right solution set to help you grow your business and help stay ahead of the compliance curve.

Unified Trust Company, N.A.

2353 Alexandria Drive, Suite 100, Lexington, KY 40504

(866) 296-6682 (859) 296-0880 fax

www.unifiedtrust.com

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