Mission Statement
"To provide superior retirement plan administration and consulting services that are both timely and accurate. To achieve steady growth while providing our clients unparalleled service. To maintain a competitive edge through operational efficiencies attained via the innovative use of technology."

Boutique Service
The dynamic pace of today's competitive business environment requires that companies remain flexible and responsive. This is equally true of a company's retirement plan. In addition, retirement plans should provide the maximum benefit to a company's valued employees at the most economical price. We at American Pensions, Inc. can help achieve these goals. Furthermore, through our knowledgeable and experienced staff and the use of the latest technologies, American Pensions, Inc. provides accurate, cost-efficient plan design and administration.

Modern Technology
In order to operate your plan in the most efficient manner possible, we have invested heavily in technology. You benefit from our ability to instantly share and process information. This information sharing is facilitated by our state of the art, in-house network of computers. At the center of our pension administration efforts is a relational-database application used to process all plan transactions. This database application is designed and supported by the leading employee benefits software company in the nation. Through this relationship, we have the support of more than one hundred and forty pension experts, including actuaries, attorneys, software programmers, and consultants. American Pensions, Inc. is committed to the innovative use of technology which means you will be assured of the most efficient administration of your retirement plan possible. This will also provide you with the opportunity to utilize the most innovative services available, such as daily valuation of your plan and 24 hour account access via our Voice Response Unit.

Professional Staff
At American Pensions, Inc., we use a team concept to better serve our clients' needs. As with any great team, American Pensions, Inc. prides itself on having a group of highly talented individuals who work together toward a common goal- to provide unparalleled service. With American Pensions, Inc., our clients benefit from the knowledge and experience of Certified Public Accountants, Pension Consultants and Pension Administrators.

Pension Administration
Your firm will benefit from our special focus on retirement plans. We are able to dedicate 100% of our resources to the administration and consulting of pension plans. This means you have a firm working for you that knows and cares about the details of your plan. American Pensions, Inc. currently services the following types of plans:

401k Plans	Pension Plans
403(b) Plans	New Comparability Plans
Profit Sharing Plans	ESOP Plans
Age Weighted Plans	Money Purchase Plans

We offer high quality, cost efficient retirement plan administration and recordkeeping services. The administration services provided for retirement plans include:

• Employer set-up manual
• Establishment and maintenance of employee plan records
• Valuation of trust assets
• Preparation of Summary Annual Report
• Preparation of Summary Reports for Employer
• Plan discrimination testing
• Processing of plan distributions, loans and hardship withdrawals
• Preparation of 5500 Series Governmental Forms
• Preparation of 1099Rs and 945 Government Filings
• Participant statements (annually, semi-annually or quarterly)
• Daily valuation for 401(k) and Profit Sharing Plans
• Participant account access (via toll-free number)

Pension Consulting
We at American Pensions, Inc. view our consulting services as an essential component of our administration services. Our philosophy of providing a "boutique" service at a competitive price requires that we view each client and plan as an individual. Our consulting services include plan feasibility, plan design, plan review, document preparation, plan amendments, Department of Labor issues, IRS issues, and employee/employer litigation issues to mention only a few. This mandates that our consultants be highly trained and proficient in all areas of retirement plan legislation and litigation. We subscribe to more than thirty sources of retirement plan news and legislation updates. This constant flow of information ensures that you receive the most innovative and up-to-date counsel available.

Investment Advisory Services
American Pensions, Inc. is a Registered Investment Advisor under the Securities and Exchange Commission. We act as a co-fiduciary to the Plan relative to our investment recommendations for the Plan and the advice we give plan participants. We provide professional investment advisory services to corporations, retirement plans, and their employees/participants based on the client's investment objectives. Plan portfolios will consist predominantly of mutual funds and are reviewed periodically.

Our advisory services also include assisting clients with the preparation of investment policy statements, selecting investments, and monitoring investment performance, among others. We use truly open architecture regarding mutual fund recommendations with no proprietary offerings. We are revenue neutral, returning all revenue sharing we receive to the client's plan. Therefore the fees for our services are easy to understand and fully disclosed, further helping the Plan Sponsor with its fiduciary responsibility of acknowledging and understanding total Plan expenses.

Employee Communication and Education
Employee communication and education plays a central role in the success of any retirement plan. As assets grow and employees become more reliant on their retirement plan as a main source of retirement funding, the need for comprehensive financial education is required. American Pensions, Inc. will assist you in designing an employee communication program that will help you meet government requirements, fulfill your fiduciary responsibilities, and demonstrate the value of the benefit you are providing. This service also helps relieve you of answering difficult investment questions. Our services include:

• Designing and documenting a communications strategy
• Preparing and conducting employee enrollment meetings
• Designing investment "models"
• Individualized investment advice to plan participants
• Designing custom investment communications materials