Press Release

DALBAR Due Diligence for ERISA § 3(38) Investment Managers

PORTLAND‚ Ore.‚ March 26‚ 2010 – Invest n Retire‚ LLC (INR)‚ a recordkeeper in Portland‚ Ore.‚ announced today that it is endorsing the DALBAR ERISA 3(38) Due Diligence Program offered through DALBAR‚ Inc. Investment managers may go through the program to become certified 3(38) investment managers.

Employers are increasingly concerned about their personal liability for management of the investments offered in the company’s defined contribution plan. This concern is creating intense interest in outsourcing fiduciary risk and liability to ERISA 3(38) investment managers.

ERISA Section 3(38) makes it possible for plan fiduciaries to delegate authority for plan investments to an investment manager who: (1) has the power to manage‚ acquire‚ or dispose of any asset of a plan; (2) is a registered investment adviser (RIA)‚ bank‚ or insurance company; and (3) has acknowledged in writing that it is a fiduciary with respect to the plan.

If the plan fiduciaries can demonstrate that a prudent process was followed relative to selecting and monitoring the 3(38) investment manager‚ the plan fiduciaries will be relieved from their obligation to invest or otherwise manage the assets of the plan which are subject to the management of the 3(38) manager. By following the Department of Labor (DOL) guidelines in appointing a 3(38) manager‚ the liability for selecting‚ monitoring‚ and replacing the investment options is transferred from the employer to the investment manager.

The DALBAR ERISA 3(38) Due Diligence Program complies with the Department of Labor (DOL) framework for selection of service providers. In order to assist plan sponsors in fulfilling their due diligence process‚ DALBAR will provide plan sponsors with DOL required due diligence documentation annually or when there is a material change with the investment manager.

“DALBAR and Invest n Retire® share a common philosophy -- assist plan sponsors in appointing a prudent expert who accepts the fiduciary responsibility for selecting and managing the investments in 401(k) plans‚” stated Darwin Abrahamson‚ CEO Invest n Retire‚ LLC.

About Invest n Retire‚ LLC

Invest n Retire‚ LLC (INR)‚ a Delaware Limited Liability Company located in Portland Ore.‚ is a technology company that is leading the industry in innovation in solving problems which plague the 401(k) market. Using the latest technology‚ INR continues to develop its uniquely designed (patent pending) system and methodology for managing tax-deferred retirement accounts.

INR’s goals are to provide the technology‚ service providers‚ and investment options that will assist employers in providing an adequate retirement income for their employees and‚ at the same time‚ reduce their company’s fiduciary responsibilities. For more information about INR visit www.investnretire.com.

About DALBAR

DALBAR has a 30-year history and is recognized by industry and government as an independent third party expert in the business of providing evaluations‚ ratings and due diligence. DALBAR certifications are recognized as mark of excellence in the financial community for advice services‚ communications‚ electronic and telephone services. DALBAR’s experience and expertise includes retirement plans‚ broker/dealers‚ insurance companies‚ investment advisers and investment companies.

In 2010‚ DALBAR launched the first national ratings of Individual Retirement Account (IRA) platforms. The IRA Ratings are a standardized method of comparing IRA products from the various financial services sectors. DALBAR was first to conduct ERISA 408(g) Annual Audits for level fee fiduciary advisers based on the Field Assistance Bulletin released February 2007 (“FAB 2007-01”). The DALBAR audit is consistent with 408(g).

Contact Stephanie Ptak‚ DALBAR Executive Administrator‚ at sptak@dalbar.com or (617) 624-7134 for more information about the DALBAR ERISA 3(38) Due Diligence Program. Visit DALBAR at www.dalbar.com

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Media Contact Darwin Abrahamson Founder and CEO Invest n Retire‚ LLC 503-419-2894 ext. 102 or email: darwin@investnretire.com