Page 2 - SGH Profit Sharing & 401(k) Plan and Trust

Welcome SGH Employees, Simpson Gumpertz & Heger (SGH) encourages you to invest in yourself and your future by participating in the SGH Profit Sharing & 401(k) Plan and Trust (the “Plan”). In order to help prepare for financial needs in your retirement years, it is important to take action now. Our retirement plan service provider, Schwab Retirement Plan Services, Inc., will provide access to tools and resources to help you make informed choices about your retirement needs, investments, and the benefits of saving. The Plan is designed to help you invest the company contribution according to your level of risk tolerance and timeline to retirement, and to allow you to make your own pre-tax or Roth 401(k) contributions to help potentially maximize your savings accumulation. This guide will provide information as you explore: • Whattoconsiderasyouworktowardbuildingyourretirementsavings • Howtoreviewyourcurrentfinancialobjectivesinthescopeofyourretirementgoals • HowtochooseinvestmentsfromthoseavailableinthePlan • Howtotakeaction Additionally, whether you are joining the Plan for the first time, currently participating in the Plan, or approaching retirement and looking for retirement information, a Participant Services Representative is available to help answer your questions. SGH considers this Plan a very important benefit. We sincerely hope you will take this opportunity to save and invest in your future. Table of Contents 4 SGH Profit Sharing & 401(k) Plan and Trust Overview 6 Three Steps to Enroll Today 7 Investment Strategies 12 Act Now—Enroll