Page 1 Page 2 Page 3 Page 4FUTURE PLANNING ASSOCIATES, INC. EMPLOYEE AND EXECUTIVE BENEFIT CONSULTANTS Established in 1974, Future Planning Associates, Inc. is a consulting firm specializing in the design, implementation, and administration of tax-qualified Retirement Plans and Cafeteria Plans, HRAs and HSAs. We are a professional firm whose fees are based on hourly rates for services performed; we do not receive any compensation from commissions on investments or insurance products. This frees our advice from bias, and is consistent with our belief that the clients’ independence in making choices regarding asset placement or selection of insurance products frees them to maximize their return on investment.