When we provide investment advice to you regarding your retirement plan account (eg. 401k, 403b, etc.) or individual retirement account (“IRA”), we are fiduciaries under the laws that govern retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a rule that requires us to act in your best interest and not put our interest ahead of yours. This Rollover Analysis Form is being presented to you for review and signature as result of such laws and rules.