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"Employees are almost twice as confident in making investment decisions if they have help from a financial professional than if they decided this on their own." 1

"67% would like personalized investment advice for their 401(k). 40% don't feel like they know what their best investment options are and 30% feel a lot of stress about choosing their 401k investments."1

Employees who sought investment advice through their 401k plan enjoyed a medium annual return over 3% higher than those who didn't -even after the fees they paid for this advice.2

"With professional advice, 60% of participants increase their projected ten-year retirement wealth by an average of 30%, net of fees."3

"40% of employees made an active savings decision at the time they adopted managed account advice and 30% earned value through a reduction in portfolio risk."3

1 -Source: 2015 401(k) Participant Survey conducted by Schwab Retirement Plan Services, Inc. Respondents participated in the study between May 26 and June 3, 2015.
2 -Source: According to the study of 14 large retirement plans with more than 723,000 individual participants and over 55 billion in assets, by Aon Hewitt, a consulting firm, and Financial Engines, an investment advisory firm, between 2006-2012. Published May 2014
3 -Source: The value of managed account advice, Vanguard research, August 2015

Investing in any securities involves a risk of loss. This piece was prepared by the Pacific Financial Group Inc. Investment Advisor Representatives (IARs) using this brochure are registered and offer securities and advisory services through their respectiveBroker/Dealers and/or Investment Advisory firms.

Working with an investment advisor may accrue additional or higher fees, however performance is always stated net of all costs and fees. Other planning services offered through your investment advisor (such as college planning or financial planning) may also be available and may have an additional cost. Your funds are always invested in 100 percent liquid vehicles however purchases and sales may require a settlement period of 1 to 3 days.

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