Steps to take if affected by a VRIF *How do many people subconsciously behave when investing money? *How can we better understand ourselves to create a sound investment strategy? *How future political and economic factors may impact your 401(k). *How proper asset allocation may help preserve and meet your retirement needs. *How to recognize and potentially avoid some simple pitfalls of investing. *How general media exposure may affect your investment portfolio. http://www.TheRetirementGroup.com (http://www.theretirementgroup.com/) The retirement planning process at The Retirement Group begins with an AT&T*, Chevron*, Hughes*, Raytheon*, Qwest*, Northrop Grumman*, Exxon*, Merck*, or Pfizer* Seminar. After attending a series of seminars we will your overall objectives. Call 800 900 5867 to reserve a seat at this complimentary lunch workshop. The retirement planning process at The Retirement Group begins with an AT&T*, Chevron*, Hughes*, Raytheon*, Qwest*, Northrop Grumman*, Exxon*, Merck*, or Pfizer* Seminar. After attending a series of seminars we will your overall objectives. Our workshops are conducted by experienced advisors who have been trained by The Retirement Group on the intricacies of the Chevron, Hughes, Northrop Grumman, Raytheon, Qwest, and AT&T Defined Benefit, Cash Balance and Savings Plans. Qwest, AT&T are given the opportunity to meet with us at the office or visit our offices and meet with our trained financial planners to review your situation. We discuss all options available to you. If you are in the position to maximize your cash out option and ready to retire, we will analyze your cash flow and develop an investment plan that coincides with your needs to determine if you can afford to retire. The Retirement Group simplifies preparation for retirement. We can complete all the necessary paperwork to apply for retirement. If The Retirement Group manages your AT&T, Chevron, Hughes, Northrop Grumman, Raytheon, Qwest, Exxon, Merck, or Pfizer retirement rollover accounts, we will monitor the investments and provide easy to read quarterly statements and newsletters during retirement. Some of the GlaxoSmithKline,AT&T and Qwest related services we offer include: 1) Presenting GlaxoSmithKline,AT&T, Exxon, Chevron, Hughes, Northrop Grumman, Raytheon, and Qwest retirement workshops & seminars at a location you choose 2) Providing Free Consultations for employees of GlaxoSmithKline,AT&T, Exxon, Chevron, Hughes, Merck, Northrop Grumman, Raytheon, and Qwest 3) Providing Pension Calculations & Estimates for GlaxoSmithKline,AT&T, Exxon, Chevron, Hughes, Merck, Northrop Grumman, Pfizer, Raytheon, and Qwest 4) Completing all Employer Retirement Forms for GlaxoSmithKline,AT&T, Exxon, Chevron, Hughes, Merck, Northrop Grumman, Pfizer, Raytheon, and Qwest 5) Processing Retirement Plan Rollovers for GlaxoSmithKline,AT&T, Exxon, Chevron, Hughes, Merck, Northrop Grumman, Pfizer, Raytheon, and Qwest 6) Managing Retirement and Investment Accounts for GlaxoSmithKline,AT&T, Exxon, Chevron, Hughes, Merck, Northrop Grumman, Pfizer, Raytheon, and Qwest Our educational workshops explain how you can get the most from GlaxoSmithKline,AT&T, Chevron, Hughes, Northrop Grumman, Raytheon, or Qwest Retirement Benefits and answer questions such as: 1). When is the best time to retire from GlaxoSmithKline,AT&T, Exxon, Chevron, Hughes, Merck, Northrop Grumman, Pfizer, Raytheon, and Qwest to receive the maximum benefits? 2). How will the changes to the GlaxoSmithKline,AT&T, Exxon, Chevron, Hughes, Merck, Northrop Grumman, Pfizer, Raytheon, and Qwest 401(k) plan effect my retirement? 3). If I am offered an ERB, EEP, ISP & RIF, VRIF, or a job cut or lay off how will this effect my retirement income? 4). How can I receive monthly income from my pension cashout distribution without penalties before age 59 ½? What are the pertinent issues in choosing between an annuity or a cashout? Each associate of the group has been hand selected by the retirement planning department of The Retirement Group and was chosen based on experience and knowledge in financial planning and portfolio construction. * We are not employed by AT&T Retirement Department, AT&T Pension or AT&T * We are not employed by Chevron Retirement Department, Chevron Pension or Chevron * We are not employed by Hughes Retirement Department, Hughes Pension or Hughes * We are not employed by Northrop Grumman Retirement Department, Northrop Grumman Pension or Northrop Grumman * We are not employed by Raytheon Retirement Department, Raytheon Pension or Raytheon *We are not employed by Exxon Retirement Department, Exxon Pension or Exxon *We are not employed by GlaxoSmithKline Retirement Department, GlaxoSmithKline Pension or GlaxoSmithKline *We are not employed by Merck Retirement Department, Merck Pension or Merck *We are not employed by Pfizer Retirement Department, Pfizer Pension or Pfizer The Retirement Group is not affiliated with nor endorsed by fidelity.com, netbenefits.fidelity.com, hewitt.com, resources.hewitt.com, access.att.com, ING Retirement, AT&T, Qwest, Chevron, Hughes, Northrop Grumman, Raytheon, ExxonMobil, Glaxosmithkline, Merck, Pfizer, Verizon, Bank of America, Alcatel-Lucent or by your employer. We are an independent financial advisory group that specializes in transition planning and lump sum distribution. Please call our office at 800-900-5867 if you have additional questions or need help in the retirement planning process. John Jastremski is a Representative with FSC Securities and may be reached at www.theretirementgroup.com.