Press release

Ubiquity Retirement + Savings Introduces CensiblyYours(™) Financial Wellness Tools

Sponsored by Businesswire

Retirement + Savings
(Ubiquity), a leading fintech company that
pioneered flat-fee small business retirement plans, has launched
CensiblyYours(™) Financial Wellness Tools, a two-part financial
wellness program for small business owners, and their employees.

In partnership with Kaye
Capital Management
, CensiblyYours provides a designated 3(38)
investment advisor to fulfill plan sponsors’ investment fiduciary
responsibility, and offers access to a series of five custom, target
risk portfolios. Each portfolio is categorized by risk level and
constructed using low-cost mutual funds, index funds and ETFs (when
appropriate) from best-in-class investment managers including Charles
Schwab, J.P. Morgan, Principal, TIAA, Fidelity, Vanguard and DFA. The
portfolio expense ratios range from 4.8 basis points (.048 percent) to
8.1 basis points (.081 percent)*.

The CensiblyYours Financial Wellness Tools are offered for a capped fee
of $3 or less per month per participant (not including the portfolio
expenses), enabling participants to grow their savings without
increasing their investment advisory fees.

“Since the day we opened our doors twenty years ago, Ubiquity has been
relentlessly committed to offering low-cost, transparent retirement
savings solutions for small businesses,” said Chad Parks, Founder and
CEO of Ubiquity Retirement + Savings. “With CensiblyYours Financial
Wellness Tools, we created a 3(38) solution to serve the segment of the
market that most financial advisors are unable to help efficiently. It
is meant to be one size fits most, and not meant to replace traditional
financial advisors, who add great value to plans and participants by
counseling them toward retirement readiness.”

“Many small business owners are hesitant to offer a retirement plan
because they do not have the time, resources or knowledge to take on the
investment fiduciary liability,” said David Hilton, Head of Retirement
Consulting at Kaye Capital Management. “By serving as a 3(38) advisor
for Ubiquity’s clients, we are reducing this burden for small businesses
and simultaneously providing affordable investment options that are in
the best interest of the plan participants.”

In addition to the professional investment selection and monitoring
offered by Kaye Capital Management, participants in CensiblyYours
Financial Wellness Tools will have access to the financial
education platform Edukate.
The platform, designed to help employees achieve their financial goals,
offers an intuitive and interactive approach to financial education.

“The average saver should not be burdened with managing their financial
health entirely on their own,” said Chris Whitlow, CEO and Founder of
Edukate. “Plan sponsors on the Ubiquity platform can now better promote
financial wellness by engaging participants in their retirement plans
through contests, educational content and an interactive leaderboard.”

For more information on CensiblyYours Financial Wellness Tools, please

About Ubiquity Retirement + Savings

Retirement + Savings
has helped savers contribute over $2.25 billion
toward their retirements since 1999. As the first flat-fee-for-service
small business plan provider in the U.S., Ubiquity delivers
peace-of-mind with zero hidden fees in the fine print. The company is
headquartered in San Francisco with satellite offices from coast to

*Past performance does not guarantee future results. Kaye Capital
Management (“KCM”) is an SEC-registered investment adviser. Registration
does not imply a certain level of skill or training. For information
about KCM, including fees and services, please refer to KCM’s Form ADV
Disclosure Brochure, which is available upon request.