Pension Financial Group and Fidelity – Working Together for You

Fidelity gives you insurance protection beyond the coverage through the Securities Investor Protection
Corporation (“SIPC”). While your assets are covered by SIPC up to $500,000, including cash claims limited to
$250,000, Fidelity provides supplemental protection for your account over and above this SIPC coverage.

Diversification is essential to the managing of your money for optimal returns and reduced risk.2 Working with Fidelity gives us access to a wide range of solutions—from both Fidelity and other third-party firms—designed to help you meet your goals

Broad selection of investments—With one of the largest investment option lineups available, Fidelity enables us to select what we think are the best investments for your portfolio, choosing from among thousands of Fidelity and non-Fidelity mutual funds, ETFs, equity and fixed income offerings, and more.

Planning and wealth-building resources—As with many of our investors, one of your key goals is likely to be accumulating wealth and ensuring that it is passed on as you wish. Whether you are saving for retirement or college, or need specialized wealth management services—such as trustee services, separately managed accounts, or alternative investments—you have access to the products you may need, when you need them.

Because the firm is privately owned, Fidelity is able to make decisions based on long-term benefits—not short-term gains—for the investors it serves. Our diverse businesses and independence give us insight into the entire market and the stability needed to think and act for the long term as we deliver value to you. For example, Fidelity has a history of reinvesting a large portion of its profits in technology and services, which may help enhance the solutions we offer you. We feel confident doing business with Fidelity to help serve your needs, regardless of market conditions.

Because trading is a core component of the Fidelity offering, we are able to leverage Fidelity Capital Markets3 for the execution of your trades. The Fidelity Capital Markets team of experienced, in-house trading professionals provides us with additional insight to help us make informed decisions and is committed to helping your investment plan succeed.

The need to keep track of your transactions, including capital gains and losses, can be a burden on you—especially at tax time. Fidelity not only helps us with tracking and reporting so we can spend more time with you, but will also provide you with a simplified, consolidated statement each month reflecting all your investment positions and transactions. At the end of the year, you will receive one 1099 tax form and a summary statement, which can make preparing your tax return much easier.

Brought investors conveniences now considered commonplace

Under the leadership of Edward C. (“Ned”) Johnson 3d—the son of Fidelity’s founder—Fidelity introduced a series of firsts in this era, including:

• First to allow checkwriting on money market funds
• First to offer quotes 24 hours a day, through a computerized telephone system

Championed ways for Americans to save for retirement.

The 1980s bull market was an ideal time for Fidelity to pursue new frontiers through expansion and technology. Compelling business conditions and new legislation that favored retirement investing helped grow Fidelity’s assets under management more than tenfold. Despite the stock market crash of 1987, Fidelity continued its forward progress, using the business slowdown to improve productivity and build for the future.

Made money management accessible to millions.

A multitude of proprietary technologies, developed at Fidelity in the 1990s, led to pioneering innovations, such as wireless trading platforms. Fidelity also vigorously pursued global investment opportunities. Today, the firm continues to be known for its selectivity in hiring money managers and its intense portfolio management training.

Continues to innovate investing in the new millennium.

Just after the turn of the century, Fidelity surpassed the $1 trillion mark and recently reached more than $10.3 trillion in assets under administration.4 In 2014, Abigail P. (“Abby”) Johnson became chairman of Fidelity, in addition to being named chief executive officer. She is the third generation to lead the company. With its 99% coverage of the world’s market capitalization, along with an ongoing commitment to innovation, Fidelity continues to vigorously seek out and create opportunities for its customers.