When it comes to investing, the reality is...no two investors are alike. Some investors enjoy having an active role in managing their own investments. Others simply don't have the time, confidence or interest.

You're already familiar with the advantages of participating in the retirement savings plan offered by your employer. To help you achieve your retirement dreams, the plan provides the benefits of easy payroll deductions, tax-deferred saving and investing, a broad array of investment choices, and support through an interactive Web site and KeyTalk^®, an automated voice response system you access via phone.

Reaching your retirement dreams will now be even easier with the addition of Reality Investing^®. It's a unique, state-of-the-art approach to choosing your investment approach. Reality Investing offers different levels of investment assistance to help you plan for your retirement dreams.

The reality is that most retirement plan participants aren't retirement planning experts, nor do they want to be. And no two investors are exactly alike. Some enjoy having an active role in managing their investments. Some don't have the time, confidence or interest. And some fall somewhere in between.

Reality Investing gives you a huge advantage because it lets you choose the level of assistance that you want to fit your individual needs. There is a retirement solution for you.

Whether you're a "Do-It-Myself", "Help-Me-Do-It" or "Do-It-For-Me" Investor, the Suite of Advisory Solutions can help you with your investment decisions.

Online Investment Guidance
In addition to the education you receive via the plan's planning and investment guides and the plan's web site, this online tool asks additional questions about how much you want to invest, your level of comfort with risk, and your financial needs for the future. It then gives you an asset allocation model that you can use to build your portfolio from the investment options available in your retirement savings plan.

Online Investment Advice
The Online Investment Advice tool takes the asset allocation model that the Online Investment Guidance provides and recommends specific investment options from the investments available within your retirement savings plan. It also suggests how much to allocate to each investment option based on your investment objectives.

Managed Accounts
This is the ideal solution for those more reluctant or busy investors who lack the time, interest or confidence to manage their own accounts and prefer to have a financial advisor select and manage the funds within their retirement plan for them. The Managed Account service goes beyond advice and asset allocation recommendations in that it provides ongoing professional asset management at the individual participant level. Plan participants receive a personalized and strategically-designed retirement portfolio that is automatically managed quarter-to-quarter, and that reflects their unique timeframe, personal retirement information including a Social Security benefit estimate, and household financial picture. The Managed Account service provides plan participants with an effectively designed, diversified and objectively managed option for optimal performance over time.