Spectrum Pension Consultants, Inc. (Spectrum) provides a broad range of specialized services to employers sponsoring various retirement, deferred compensation and other employee benefit programs for the benefit of their employees. Spectrum’s services are tailored to the specific needs and wishes of each individual client and include: consulting and advice; plan administration; and employee communication and education services. From time to time, Spectrum may also provide other ad-hoc services at a client’s request. These services may include analyses of employee benefit liabilities in mergers or acquisitions; valuation of executive and/or other contractual obligations related to employment; assistance with labor negotiations; and assistance with merger or acquisition discussions.

Spectrum is completely independent and has no financial affiliation with or interest in any third-party service provider entities, such as:

• Regulated Investment Companies;
• Organizations providing investment advisory services; or
• Other entities providing services to employers in respect of their retirement and other employee benefit programs.

Neither do any such entities have any financial interest in Spectrum. This independence enables Spectrum to always place the interests of its clients above all other interests, without either the appearance or existence of any conflicts of interest.

Spectrum’s clients include ordinary business entities and professional firms, as well as not-for-profit and governmental entities. Spectrum clients do not include individuals, except as they may be sole proprietors of a business. Spectrum may provide certain services directly to individual employees, acting solely in the capacity of an agent of a client-employer entity.