About Wise Steward Advisory Services, Inc.

WSAS, "The 401k Steward", specializes in 401(k) strategies for small to mid-sized
companies.  We also provide executive compensation planning, fee-for-service
financial planning for executives and individuals, and business and estate
preservation programs.  We strive in functioning as a client focused and innovative
advisory services company, specializing in Due Diligence and Fiduciary
Responsibilities of 401(k) Plan Sponsors.  Our goal is to provide answers to our
clients' needs relying on the following stewardship principles:

• Integrity
  
• Responsibility
  
• Professional Service
  
• Solid Management
  

Our People

Peter Wang EMBA, PRP

• Senior Consultant, CA Insurance License 0831956
  
• University of California Los Angeles - BA
  
• Claremont Graduate University - Executive MBA
  
• Wise Steward Advisory Services, Inc., President & Chief Compliance Officer
  
• Nearly 20 years of experience in the financial services industry
  

Elliot Goldberg MBA, CFP

• Consultant, CA Insurance License 0B43034
  
• Wayne University - BS
  
• Pepperdine University - MBA
  

Kam Ho MBA, CFA

• Consultant, CA Insurance License 0E96525
  
• University of Southern California - BS
  
• University of Southern California - MBA
  

Registered Representatives offering securities through Royal Alliance Associates, Inc. a
registered broker-dealer, member NASD, SIPC Advisory services offered through Wise Steward
Advisory Services, Inc., a Registered Investment Advisor




"ERISA holds plan fiduciaries to a high legal standard...the responsibilities of
fiduciaries have been described as the highest known to the law" [Donovan v.
Bierwirth, 680 F .2d 263, 272 (2d Cit. 1982)]  Obviously, not all fiduciaries have the
skills needed to satisfy these high standards. Fortunately, ERISA permits
fiduciaries, and in fact requires them, to get help when they need it."
--Fred Reish/Joe Faucher ERISA Attorneys

Many of the company officers/owners who act as fiduciaries mistakenly believe
that 401(k) plans provide a "liabilityfree" way to provide retirement benefits.  While
it's true that plan sponsors and investment fiduciaries can insulate themselves
from some liability, there are a number of common pitfalls.  How does your firm
stand up to the following fiduciary errors?

• Investment Choices have possible conflicts of interests
  
• Investment options do not cater towards less sophisticated investors
  
• No written Investment Policy Statement, nor following it's instruction
  
• Insufficient Education and information for Employees to make informed
  decisions
  
• Non-compliance with 404[c]
  
• No periodic Review of current Investment Choices, plan fees, nor
  alternative providers
  
• Insufficient written notification
  
• Inaccessibility of detailed Plan Information
  

Many of our client's near-term goals are to:

• Effectively fulfill their Fiduciary Responsibilities
  
• Reduce plan costs
  
• Increase employee participation and education
  
• Improve investment selection
  
• Improve Plan Design
  

Please contact us at 866.500.2029 or the 401ksteward@wisesteward.com for an
initial, no obligation meeting with one of our specialists, to discuss the overall
health of your current plan.

"The 401k Steward"
Wise Steward Advisory Services, Inc.