bryan merrick, relationship manager of voya financial. i will defer to my colleague peter to walk us through. >> thank you. all of the services we provide are for participants. we accept fiduciary status for delivering the services. what that means is the only reason we have to make a recommendation to them for specific funds is because it is in their best interests. we provide investment advice as a 321 service, professional management as a 338 service and both of those services we are doing making recommendations strictly in your participants' best interests. to the next slide you can see on the left of the services we are providing. they fall under the heading of guidance, education, advice, professional management. professional management being our name for a fee based managed account. we also provide additional services for individuals who are nearing retirement, specifically, for those entitle to social security benefits. we provide guidance that helps them figure out a specific claiming and filing strategy not only for the employee