Dear Clients, Colleagues, Friends, and Professional Advisors, We wanted to quickly provide our clients and their professional advisors with a brief update on our firm. 2017 was a record year. Spectrum now delivers products, services, and solutions to clients in every industry vertical, and geographically in most States. Spectrum’s Retirement Plan Services Group has grown to over $1.85 Billion in assets under administration. Our Third Party Administration Team today works with all of the top retirement platform providers, as reported by Plan Sponsor Magazine . We are incredibly grateful for the confidence and trust placed in us. Q1’2018 has been an exciting quarter for Spectrum. We launched Spectrum Payroll360 ™. Spectrum Payroll360 ™ streamlines 401k contribution changes, payroll data submission, and retirement plan funding. No longer must clients manually submit payroll data through file uploads, secure email, fax, or the mail. No longer must clients manually change employee 401k deferrals in their payroll systems. Spectrum Payroll360 ™ features bi-directional data integration with major payroll vendors, automating and simplifying these processes. Spectrum’s business solutions and management consulting group launched the general availability of Spectrum FinWell ™ -- a comprehensive workplace financial fitness program. Employee financial stress is a principal cause of poor workplace performance. Spectrum FinWell ™ addresses the root causes of employee financial stress. Our program has proven demonstrable results. Over 50% of Spectrum FinWell ™ participants take one or more actions to improve their financial situation within 30 days. Spectrum FinWell ™ pairs very well with workplace retirement plans and can improve retirement plan savings rates. We have enhanced our on-site plan education services to reach more geographic regions. We are pleased to announce that on-site plan education can now be delivered anywhere in the United States. Our retirement plan education consultants are experienced professionals, many of whom have earned licenses or professional qualifications. To support retirement plan participants further, we upgraded our corporate website and launched a knowledgebase of articles, best practices, and training guides. We are excited about these product and service enhancements, but please know that we have much more in our development pipeline, so stay tuned! Again, we thank every client and professional advisor for placing their confidence and trust in our firm. We look forward to the future of 2018 and beyond. Sincerely, Petros P. Koumantaros Managing Director & CEO Spectrum Pension Consultants, Inc.