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<pre class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-INDENT: -0.25in; FONT-FAMILY: verdana,arial,helvetica,sans-serif; TEXT-ALIGN: center"><span style="font-size: xx-small;"><span style="FONT-SIZE: 12pt; COLOR: blue">Independent Qualified Fiduciary Expert</span></span></pre>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-INDENT: -0.25in; FONT-FAMILY: verdana,arial,helvetica,sans-serif; TEXT-ALIGN: center" align="left"><span style="color: #000099;"><span style="font-size: xx-small;"><span style="FONT-SIZE: 12pt; COLOR: #0033cc">Audits | Training | Litigation Consultant | Expert Witness</span></span></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-INDENT: -0.25in; FONT-FAMILY: verdana,arial,helvetica,sans-serif; TEXT-ALIGN: center" align="left"><span style="color: #000099; font-size: x-small;"><span style="FONT-SIZE: 12pt; COLOR: #0033cc">Breach of Fiduciary Duty->Liability->Damages->Expert Testimony and Reports</span></span></p>
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<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><strong><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt">Are you a trustee, ERISA pension plan or 401k plan sponsor? Or a trustee of non-profit organization, foundation or endowment?</span></strong><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt"> Fiduciary management of assets in trust rests on your shoulders, with personal responsibility. The 2006 Pension Protection Act requires an audit by a Qualified Fiduciary Expert when ERISA 401k Plan Sponsors choose a Qualified Fiduciary Adviser to provide investment advice to participants or use a computer asset allocation model. A Prudent fiduciary governance process selects, monitors, certifies and audits the computer model. Fiduciary training of Trustees and ERISA Plan Sponsors can improve performance, meet </span><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt">fiduciary responsibilities and protect against breach of fiduciary duty.</span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"> </p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><strong><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt">Are you a trust beneficiary, participant or beneficiary of a participant in an ERISA, Taft Hartley Act, or Public (State, county or local) pension benefit, 401k, 403b or 457 plan or a financial supporter of a non-profit?</span></strong><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt"> Losses or sub par, poor performance, Ponzi schemes may gain insights from McFid, the fiduciary expert.<span style="FONT-VARIANT: small-caps"><br /></span></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"> </p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt"><span style="text-decoration: underline;"><strong>Fiduciary Duty Expert Witness litigation consulting support</strong></span>, expert reports, testimony, opinions of fiduciary liability, damages in Trust, Estate and Probate; ERISA pension, profit sharing and 401k plans; Suitability, supervision in FINRA (NASD), Regulatory agency, SEC investigations; board of trustees, investment committees at HOAs, charities, tax exempt, 501 c-3 Non-profit organizations, Foundations & Endowments; and certain family law issues like QDROs from a spouse's trust, 401k or ERISA plan.<br /></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"> </p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt">Fiduciary responsibility cannot be delegated away even if a trustee hires a bank, trust company, stock broker or investment adviser.</span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"> </p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><strong><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt">What is the main purpose of an Investment Policy Statement? </span></strong><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt">An investment policy statement catalyzes the purposes, terms and interests of beneficiaries of the trust, pension plan or 401k to the investment regime. The IPS is like a blueprint and lays out an oversight process. An investment policy statement should list all fiduciaries, functions and monitoring procedures. </span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt"> </span><span style="FONT-SIZE: 7.5pt; LETTER-SPACING: 1pt"> </span> </p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-INDENT: -0.25in; FONT-FAMILY: verdana,arial,helvetica,sans-serif; TEXT-ALIGN: center" align="center"><strong><em><span style="FONT-SIZE: 9pt; COLOR: blue; LETTER-SPACING: 1pt"><span style="color: #000000;"> <span style="font-size: x-small;">"The majority of Fiduciary compliance is controllable"</span></span></span></em></strong></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-INDENT: -0.25in; FONT-FAMILY: verdana,arial,helvetica,sans-serif; TEXT-ALIGN: center" align="center"><strong><em></em></strong> </p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif" align="center"><strong><span style="text-decoration: underline;"><span style="FONT-SIZE: 7.5pt">Fiduciary<em>ALIGNMENT</em></span></span></strong></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif" align="center"><strong><span style="FONT-SIZE: 7.5pt">Examines account agreements & statements for alignment with the interests of</span></strong></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif" align="center"><strong><span style="FONT-SIZE: 7.5pt"> Trust Beneficiaries and ERISA Pension, Profit Sharing and 401k Plan Participants. </span></strong></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><strong></strong> </p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><span style="FONT-SIZE: 7.5pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">The following fiduciary services may be of interest to trustees:</span></p>
<ul style="FONT-FAMILY: verdana,arial,helvetica,sans-serif" type="disc">
<li class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong><span style="FONT-SIZE: 7.5pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">Fiduciary Assessment for Trustees, Investment Advisers and Investment Managers</span></strong> </li>
<li class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong><span style="FONT-SIZE: 7.5pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">Fiduciary</span></strong><strong><em><span style="FONT-SIZE: 7.5pt">Rx(TM)</span></em></strong></li>
<li class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong><span style="FONT-SIZE: 7.5pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">Fiduciary</span></strong><strong><em><span style="FONT-SIZE: 7.5pt">YEARBOOK(TM)</span></em></strong> </li>
<li class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong><span style="FONT-SIZE: 7.5pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">Fiduciary</span></strong><strong><em><span style="FONT-SIZE: 7.5pt">SCORECARD(TM)</span></em></strong></li>
</ul>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif; TEXT-ALIGN: center" align="center"><span style="font-size: x-small;"><span style="FONT-SIZE: 12pt; COLOR: blue">Expert Witness Litigation Consulting, Arbitration & Mediation Support</span></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif; TEXT-ALIGN: center" align="center"><span style="font-size: x-small;"><span style="FONT-SIZE: 12pt; COLOR: blue">for Individuals and Class Action matters</span></span></p>
<div class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif; TEXT-ALIGN: center"><strong><span style="FONT-SIZE: 7.5pt">
<hr size="2" />
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<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><span style="FONT-SIZE: 7.5pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">Expert Witness Litigation Support for plaintiffs or defense counsel in the Fiduciary</span><strong><em><span style="FONT-SIZE: 7.5pt">THEATER</span></em></strong><span style="FONT-SIZE: 7.5pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">(tm) including co-fiduciaries.</span></p>
<ul style="FONT-FAMILY: verdana,arial,helvetica,sans-serif" type="disc">
<li class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong><span style="FONT-SIZE: 7pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">Fiduciary</span></strong><strong><em><span style="FONT-SIZE: 7pt">FORENSICS(R)</span></em></strong><span style="FONT-SIZE: 7pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">,</span><span style="FONT-SIZE: 7pt"> discovery probe of activity in the Fiduciary<em>THEATER(TM)</em></span></li>
<li class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong><span style="FONT-SIZE: 7pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">Investment Fiduciary Compliance Analysis</span></strong> </li>
<li class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong><span style="FONT-SIZE: 7pt">QDRA<em><span style="text-decoration: underline;">b4QDRO(TM)</span></em></span></strong><span style="FONT-SIZE: 7pt">, <strong>Q</strong>ualified <strong>D</strong>omestic <strong>R</strong>elations <strong>A</strong>udit before QDRO. Divorce F</span><span style="FONT-SIZE: 7.5pt">iduciary Audits. ERISA pension or 401k plan controlled by a spouse, self-employed, closely-held business, partnership or professional practice. Breach of fiduciary duty can cause losses and or poor investment performance, creating an arguable surcharge against the responsible spouse / 3rd party for harm to community.</span></li>
</ul>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="font-size: 7.5pt;"><span style="font-family: verdana,geneva;"><span style="font-size: xx-small;">Note: Fiduciary duty, if any, is 1) in addition to 2) precedes 3) and supercedes Suitability and may arise at any time, to any type of account, investment or asset requiring fiduciary duty.</span></span></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt"> </p>
<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><span style="FONT-SIZE: 7.5pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">Contact us at <a href="mailto:info@fiduciaryexpert.com">info@fiduciaryexpert.com</a> </span><span style="FONT-SIZE: 7.5pt; BACKGROUND: white 0% 50%; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial">or call (310) 943 - 6509 </span></p>
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<p class="MsoNormal" style="MARGIN: 0in 0in 0pt; FONT-FAMILY: verdana,arial,helvetica,sans-serif"><strong><span style="FONT-SIZE: 6pt"><em><span style="FONT-SIZE: 10pt"><span style="font-size: xx-small;">CHRIS MCCONNELL & ASSOCIATES d</span></span><span style="FONT-SIZE: 10pt"><span style="font-size: xx-small;">oes not sell investments, insurance or provide investment, legal or tax advice. And to preserve independence do</span></span></em><em><span style="FONT-SIZE: 10pt"><span style="font-size: xx-small;">es not accept referral fees, commissions, finders or asset placement fees of any kind. </span></span></em></span></strong><strong>Please consult your legal, tax and investment adviser for appropriately tailored advice.<span style="BACKGROUND: white 0% 50%; COLOR: #333333; -moz-background-clip: initial; -moz-background-origin: initial; -moz-background-inline-policy: initial"> </span></strong></p>
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