S.M.A.R.T.

PENSION PLAN INVESTMENT ADVISORY SERVICES FOR PENSION PLAN ADMINISTRATORS COMPRISING ANALYZING EXISTING PENSION PLAN ASSETS AND FUTURE PENSION BENEFIT OBLIGATIONS, AND RECOMMENDING TO THE PENSION PLAN ADMINISTRATORS AN APPROPRIATE MIXTURE OF INVESTMENTS FOR THE PENSION PLAN ASSETS, INCLUDING STOCKS, BONDS, CONVERTIBLE BONDS, MONEY MARKET SECURITIES, INTERNATIONAL EQUITIES, REAL ESTATE AND VENTURE CAPITAL