Carefully selecting and monitoring the investments that are made available in a tax qualified retirement plan is of vital importance. The enclosed investment report provides important information about the investments that Thomas J. Dobransky currently recommends for tax qualified retirement plans.

While not intended as the sole basis for investment decisions, this documented approach to investment selection and investment monitoring is vital in helping plan sponsors and plan fiduciaries manage their tax qualified retirement plan according to the "Global Standards of Excellence for Investment Fiduciaries."