GUIDING PHILOSOPHY

Belanger and Co., Inc. believes that an independent advisor is better equipped structurally to administer a retirement plan. By that is meant the advisor has no allegiance to any product vendor, nor is the firm motivated by the prospect of receiving a commission on the sale of any financial product or service. It is felt that by establishing independent relationships or "unbundling" the services, a company can establish and monitor its retirement plan more efficiently. The company can more easily judge each firm more effectively and replace those that are not performing satisfactorily without replacing the entire team. Therefore, Belanger and Co., Inc. has no relationships with nor does it maintain any insurance or securities licenses. It is a member of numerous pension, estate, and financial planning organizations.