December Seminar Invite

COMPLIANCE & CASH SAVINGS FOR 2010: YOUR COMPANY’S RETIREMENT PLAN AND EMPLOYEE BENEFITS

This presentation is for Human Resources and Finance Department Professionals. If you have anything whatsoever to do with your company’s retirement plan or employee benefits, join us for a complimentary breakfast briefing to hear about 2010 changes that affect you and practical steps to save you money, expenses and exposure. Dates & Locations: Tuesday, December 8, 2009 Advanced Benefits Advisors, Inc. 1800 Chapel Avenue West, Ste. 160 Cherry Hill, NJ 08002

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Wednesday, December 9, 2009 Chamberlain Hrdlicka 300 Conshohocken State Rd., Ste. 570 West Conshohocken, PA 19428

Time: 7:30 a.m. – 9:00 a.m. ~~ Limited Seating RSVP: Please call Rose Gallen or Stacy Tucker at 610-772-2300 or email to [email protected] by close of business on December 4, 2009. Questions? Comments? iPod:

By attending and filling out a short survey, we will enter your name in a drawing for a chance to win an Apple iPod nano at your breakfast briefing.

Presenters:

Jewell Lim Esposito, Esquire John Romaska, Benefits Consultant William R. Zeuner, CFP®, Financial Advisor

For More Information, See Reverse Side

WHAT YOU WILL LEARN: How to quantify your 401(k) or 403(b) plan expenses, in full preparation for next year’s Form 5500 The number one priority and audit issue How to prepare for the IRS’s 3-year focus on employment tax issues If your company can continue to have the same types of investments in your retirement plan before, during and after this recession Changes in fiduciary responsibilities How to evaluate your current service providers How to have the right benefits package in place to attract and retain key employees Self-funded medical plans – how to prevent gaps in your stop loss contract Dependent audits – what they entail; how they can save you money Effective wellness programs – how to better use your claims data to implement a wellness program that makes sense for your employees?

ABOUT OUR SPEAKERS Jewell Lim Esposito – Jewell has 16 years of practice in Employee Benefits and Tax law. She emphasizes work on Fiduciary Compliance, Tax Qualification of Retirement Plans, Executive Compensation, and Payroll Taxes. She represents public, tax-exempt and government contractor clients on employee benefit matters involving qualified retirement plans, executive compensation and payroll taxes. Her practice involves frequent interaction with the IRS, the DOL and the Treasury Department. John Romaska – John is a licensed employee benefits broker/consultant who specializes in working with employers who have 100 to 5,000 employees. He focuses on providing both cost and service solutions for employers who offer medical, prescription, dental, life, short-term disability, long-term disability and other ancillary coverages. He has extensive experience with employers who have self-funded medical plans and has saved employers millions of dollars on their benefits program through discount analysis and negotiations. John and his firm provide a customized approach to the needs of their employer groups in order to meet their specific desires. William R. Zeuner – William is a professional Financial Advisor and Certified Financial Planner™ Practitioner dedicated to helping his clients make well-educated, informed decisions with the goal of meeting their unique and personal financial aspirations. He focuses on comprehensive investment and retirement planning and believes a good investment program is diversified and disciplined, balanced risk, growth and income.