Guided Pathways®

Industry studies overwhelmingly indicate that many participants are concerned about their retirement plan investments and are looking for professional help and that is why ICMA-RC developed Guided Pathways®.

The Guided Pathways process begins with a personalized retirement savings plan and wealth forecast developed from employees' individual information. Based on this wealth forecast, employees receive a savings rate recommendation and can see how changing certain personal or financial information could impact their chances of reaching their retirement income goals. Building on the retirement savings plan, Guided Pathways offers three levels of service:

• Asset Class Guidance — Asset Class Guidance provides an asset allocation recommendation from which the employee can build his or her own mix of domestic stock, international stock, and bond funds from the options available within your plan. However, the employee is still responsible for selecting the actual funds to fill the recommended asset classes. This is a free service.
• Fund Advice — Fund Advice provides employees with a "point-in-time" fund specific investment portfolio recommendation from the funds available within your plan. Employees remain responsible for the ongoing monitoring of their account and initiating any investment changes. The standard annual fee is $20.
• Managed Accounts — For an asset-based fee, this exciting new service offers a substantially higher level of assistance than Asset Class Guidance or Fund Advice. Professional managers design the right portfolio to help employees reach their retirement goals and provide ongoing management to keep employees on track. Managed Accounts is a service that you can elect to offer for the benefit of your employees.

ICMA-RC uses state-of-the-art planning and investment software powered by Ibbotson Associates*, a leading provider of retirement advice and investment consulting services, to provide the Guided Pathways services. For more information, additional Guided Pathways materials are available for your review.

*Investment advice and analysis tools are offered to participants through ICMA-RC, a federally registered investment adviser. Ibbotson Associates, a federally registered investment adviser and a wholly owned subsidiary of Morningstar, Inc., is not affiliated with ICMA-RC. All rights reserved. Ibbotson and the Ibbotson logo are trademarks or service marks of Morningstar, Inc.