RCG News

Retirement Capital Group Hires DCIA To Enhance Executive Benefit Consulting Program

San Diego, CA - January 5, 2005 - Retirement Capital Group, Inc. (RCG) has signed an exclusive agreement with Deferred Compensation Investment Advisors (DCIA), a 401(k) Advisors subsidiary, to provide investment consulting services to its nonqualified executive benefit retirement plan clients.

Services will include fund selection, monitoring, evaluation, and when necessary, fund replacement recommendations. Utilizing more than a dozen quantitative and qualitative measurements, a proprietary Scorecard SM system, sample documentation and online report access, DCIA's research and analysis enables firms to effectively manage the due diligence process and enhance investment opportunities for key executives.

"One of the most important aspects of designing a nonqualified plan is how it will be funded. Funding of a nonqualified plan impacts not only a participant's returns, but also a company's cost. Ninety-three percent (93%) of investment returns come from good asset allocation modeling, however, most plan sponsors do a poor job in selecting the right group of managers for the plan," says William L. MacDonald, President and CEO of RCG.

"Investment due diligence is a fiduciary responsibility typically equated with defined contribution [401(k)] plans, thanks mostly to ERISA 404(a) and 404(c) compliance requirements. But few organizations apply this same best practice to their nonqualified plans," said Mr. MacDonald. "We are pleased to partner with a firm like DCIA whose pinpoint laser focus in this area will help us to extend the lead by offering our clients the most robust network of consulting services available today."

RCG will utilize DCIA's investment analysis services, which focuses on mid-to-large companies, for its own deferred compensation program, in addition to making it available to its national client base.

About Retirement Capital Group
RCG is a national firm headquartered in San Diego . The firm offers nonqualified executive benefit consulting services in the area of plan structure, design, benefit security, funding, implementation and administration. RCG's unbundled approach is a paradigm shift, providing companies access to proprietary and creative solutions, the highest caliber of experts in the executive benefits marketplace and a network of third-party administrators. RCG's corporate headquarters is located in San Diego, California . Visit www.retirementcapital.com for more information.

About 401(k) Advisors
401(k) Advisors provides a variety of retirement plan consulting services -- from plan reviews to fee benchmarks to employee communications -- designed to help protect plan fiduciaries from personal and corporate financial liability, while enhancing investment opportunities for participants. Headquartered in Laguna Hills, California, 401(k) Advisors has helped create successful retirement plan experiences for hundreds of plans nationwide since its inception in 2000. Visit www.401kadvisors.com for more information.

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