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EMERGING BUSINESS RETIREMENT PLAN

Managing your employees’ retirement plan is a big responsibility, one that grows as your company grows. Wachovia Retirement Services offers a full-service, easy-to-manage retirement plan that allows small but growing companies to provide for employees’ financial futures without losing focus on business.

Our plan provides the features and benefits typically associated with larger plans, but at a lower price that small businesses can afford.

A Plan Your Employees Will Like

  • A wide range of investment options from the most respected names in the investment management industry
  • The investment tools and support your participants need to select and manage their investments over time1.
  • A suite of customized multi-media tools to generate interest, build understanding, and encourage participation among your employees.
  • Full-service, 24 hours a day, seven days a week support for your participants from a dedicated call center.

A Plan that Gives You Peace of Mind

  • Directed trustee, custody, recordkeeping and administrative services
  • Fully automated, multi-fund family trading2
  • Compliance testing and reporting, including assistance with plan document preparation and Signature Ready Forms 5500
  • Full-service participant service centers and voice response units
  • Internet sites for participants, sponsors and financial professionals
  • Participant statement production and fulfillment
  • Sponsor and participant communications

AdviceTrack® - A Plan Management Tool

One of the programs we offer is AdviceTrack®, which serves both plan sponsors and employees with the management of savings and investing plans. It features three components: 

  • A managed investing feature
  • A managed saving feature
  • Personalized service with access to objective, professional investment advice from Morningstar, Inc.3,4


06/05

1 Neither Wachovia Bank, N.A. nor any of its affiliates, including employees and representatives, may provide "investment advice" to any participant or beneficiary regarding the investment of assets in an employer sponsored retirement plan.

2 Such consulting services do not constitute tax or legal advice. Employers should contact their own tax advisor or legal counsel as needed.

3 AdviceTrack gives participants the opportunity to provide us with more information about their personal situation, including, but not limited to, other retirement plan assets, their spouse's/partner's retirement plan assets, and other outside assets available for retirement use. If participants provide that information, we will use it to create investment strategies that are more closely matched to their needs. Participants are not required to provide this information, but are strongly encouraged to do so. If the participant does not provide the additional information, we will develop an investment strategy that is based solely on the information available to us, which generally is limited to age, gender, assumed years to retirement, current salary, current savings rate and account balance. That strategy might be materially different from the one that we would have recommended if the participant had provided us with all the requested information.

4 Wachovia retained Morningstar Associates, LLC as an independent financial expert in connection with providing investment advice in accordance with applicable laws. Morningstar Associates is a registered investment advisor and a subsidiary of Morningstar, Inc., neither of which is an affiliate of Wachovia. Any mention of Morningstar is a reference to Morningstar Associates, LLC.

Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate

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