Disclosure. We will provide full disclosure of our fees for our services. We want you to "know what you own, know why you own it, know what you are paying for it and to whom."

Integrated Solutions: KDS can provide an "integrated" total solution that will allow you the ease of a one-stop, comprehensive process for your plan, along the following path:

Plan Design > Vendor Selection > Fiduciary Compliance > Investment
Platform and Fund Selection > Enrollment/Education > Monitoring/Review.

Alternatively, KDS provides institutional quality investment advisory, consulting and education services on a standalone basis to complement or verse services offered by other plan vendors.

Focus: KDS is focused solely on your firms' retirement plan benefit. We specialize in understanding the challenges that confront you as a plan sponsor, and the services we provide are geared toward helping to make your plan as successful as it can be.

Flexibility: KDS' process will strive to customize an appropriate vendor model to your desires and needs. We have extensive experience and knowledge of the major players in the industry and we will help to find the service model that is right for you.

Experience and Education: With over seventy years of combined experience, the principals at KDS not only understand your retirement plan needs, but we have the tools and the resources plan sponsors need to meet the challenges confronting them in managing their retirement plans. Our participant education platform is designed to help add significant value to our clients, whose participants are lost among a sea of choice with no one to help them understand the options or the investment climate.

Registered Investment Adviser ("RIA") on a fee for service basis. KDS, as an RIA, works solely on your behalf. We can be an ERISA Investment Manager fiduciary with complete discretion and liability, a co-fiduciary with you and share the liability or a consultant that can guide you along the way. We have no outside, hidden fee arrangements with any of the providers with whom you work.