Many people seek professional assistance when developing an investment strategy for retirement. Recognizing this need, the SMART Plan has made Reality Investing® available to participants.

Reality Investing is a behavior-based approach to investing that provides investment advisory tools and services based upon the level of involvement you desire in managing your investments. You can choose as much or as little help as you need. Reality Investing includes Online Investment Guidance, Online Investment Advice, as well as a Managed Account service for personal and professional investment assistance and account management.

The brochure, Reality Investing, provides an overview of each advisory service, as well as information on how to enroll.

If you have questions regarding Reality Investing and would like to speak with an Adviser Representative, call the SMART Plan Service Center at (877) 457-1900 and press option 3.1 Adviser Representatives are available Monday through Friday from 9:30 a.m. to 7:00 p.m. ET.

1 Access to the automated voice response system and Web site may be limited or unavailable during periods of peak demand, market volatility, systems upgrades/maintenance or other reasons.

Reality Investing® is a registered trade mark of Great-West Life & Annuity Insurance Company. All rights reserved.

Managed account, guidance and advice services are offered by Advised Assets Group, LLC, (AAG) - a federally registered investment adviser. Securities, when offered, are offered through GWFS Equities, Inc. AAG and GWFS Equities, Inc. are wholly owned subsidiaries of Great-West Life & Annuity Insurance Company.