RETIREAWARE, LLC
MIAMI, FLORIDA

Who We are Who We are Daniel Alexander is a respected industry veteran and the founder of Principal Review, an independent plan fiduciary committed to investment and transactional transparency. Daniel has extensive knowledge of the group sponsored retirement market, ranging from sales and distribution to plan design and administration. His diverse experience spans both the ERISA and non-ERISA market. He has served in senior sales leadership roles as well as managerial and advisory roles for a leading US based retirement company. In building Principal Review, Daniel has turned his attention squarely on the distribution of retirement plan assets, protecting group sponsored retirement plans from internal and external conflict of interest structures and ensuring retirement plan participants have the tools and support necessary to make informed decisions. Allen Steinberg is a national authority on retirement plans and the Chief Legal Officer of Principal Review. Allen has over 35 years of experience providing employers with advice, ideas and support for a broad range of benefit plans. For the past fifteen years Allen increasingly focused on the unique challenges of the 403(b) market. During his career, Allen has been an associate with a major Chicago law firm, a partner at a global consulting and actuarial firm, and the owner of a law firm focused solely on employee benefits. Allen has written for a range of publications, including Benefits Quarterly, The Journal of Employee Ownership Law and Finance, The Journal of Pension Benefits, Compensation & Benefits Review, and HR Magazine. Allen is also a regular speaker at regional and national benefits conferences. John Enyart brings a wide spectrum of technology experience as a Professor of Management Information Systems and independent technology consultant for many public and private sector institutions, start-ups and international clients. Enyart retired from academia in 1992, from the Wharton School of the University of Pennsylvania. That same year he founded EAI, Inc. (Enyart Associates International). His work includes 40+ years of information technology research and development, including his leading edge Internet company, Flat World Technology. Mission Statement Providing expertise to empower plan participants to make informed and educated decisions with their retirement savings while protecting employer sponsored retirement plans from service providers with hidden conflicts of interest. The founders of Principal Review have spent decades working in the retirement plan field, helping employers and employees. Over the years, we have identified a number of gaps in legal rules and fiduciary practices. These gaps leave employers and employees vulnerable to provider practices that are more focused on generating provider revenue and less focused on protecting retirement assets. We have started Principal Review to bring specialized expertise to employers and employees to help with the goal of maximizing the amount of retirement plan assets that are actually available for retirement. Daniel Alexander is a respected industry veteran and the founder of Principal Review, an independent plan fiduciary committed to investment and transactional transparency. Daniel has extensive knowledge of the group sponsored retirement market, ranging from sales and distribution to plan design and administration. His diverse experience spans both the ERISA and non-ERISA market. He has served in senior sales leadership roles as well as managerial and advisory roles for a leading US based retirement company. In building Principal Review, Daniel has turned his attention squarely on the distribution of retirement plan assets, protecting group sponsored retirement plans from internal and external conflict of interest structures and ensuring retirement plan participants have the tools and support necessary to make informed decisions. Allen Steinberg is a national authority on retirement plans and the Chief Legal Officer of Principal Review. Allen has over 35 years of experience providing employers with advice, ideas and support for a broad range of benefit plans. For the past fifteen years Allen increasingly focused on the unique challenges of the 403(b) market. During his career, Allen has been an associate with a major Chicago law firm, a partner at a global consulting and actuarial firm, and the owner of a law firm focused solely on employee benefits. Allen has written for a range of publications, including Benefits Quarterly, The Journal of Employee Ownership Law and Finance, The Journal of Pension Benefits, Compensation & Benefits Review, and HR Magazine. Allen is also a regular speaker at regional and national benefits conferences. John Enyart brings a wide spectrum of technology experience as a Professor of Management Information Systems and independent technology consultant for many public and private sector institutions, start-ups and international clients. Enyart retired from academia in 1992, from the Wharton School of the University of Pennsylvania. That same year he founded EAI, Inc. (Enyart Associates International). His work includes 40+ years of information technology research and development, including his leading edge Internet company, Flat World Technology. Mission Statement Providing expertise to empower plan participants to make informed and educated decisions with their retirement savings while protecting employer sponsored retirement plans from service providers with hidden conflicts of interest. The founders of Principal Review have spent decades working in the retirement plan field, helping employers and employees. Over the years, we have identified a number of gaps in legal rules and fiduciary practices. These gaps leave employers and employees vulnerable to provider practices that are more focused on generating provider revenue and less focused on protecting retirement assets. We have started Principal Review to bring specialized expertise to employers and employees to help with the goal of maximizing the amount of retirement plan assets that are actually available for retirement.