C.H. Dean Implements a New Application of the K⁴ Decision Tools by Klein Decisions®

Raleigh, NC -- October 3, 2005 -- Klein Decisions, LLC announced today that a custom application of its newest K⁴ decision tool, K⁴ Portfolios, is being implemented by C.H. Dean, Inc. in Dean’s pension consulting practice. Dean will offer the tool to its plan sponsor clients to help 401(k) participants select an appropriate diversified portfolio of mutual funds based on personal risk tolerance and preferences. This K⁴ application addresses the under-served area of the 401(k) decision market between simple age-based or questionnaire-based portfolio selection and more complex financial planning-based tools.

K⁴ decision tools are a suite of web-based decision applications that use elements of utility theory, behavioral finance and conjoint analysis to uniquely measure an investor’s risk tolerance and investment preferences and use that analysis to select the most appropriate solution. This is the second application developed by Klein for C.H. Dean. In late 2004, Klein delivered a custom version of its K⁴ Investments product to assist Dean’s family office and investment consulting practices in analyzing and selecting mutual funds and money managers for their private clients.

“We are extremely pleased to extend our relationship with C.H. Dean”, said Robert L. Padgette, founder of Klein Decisions. “The addition of a portfolio selection tool for 401(k) participants to the investment analysis tool for investment consultants illustrates the breadth of the K⁴ decision process in helping investors make financial decisions.”

“Bringing this latest K⁴ decision tool into our service package exemplifies the ‘Client First’ commitment of Dean,” said Francis A. Kovacs, J.D., LL.M., President of Dean Pension Consultants. “Plan sponsors and participants can utilize what we view as the retirement plan decision tool that uniquely optimizes sophisticated analysis with time efficiency and clarity. This application of the K⁴ decision tools represents the curve where technology and the regulatory direction of participant education merge.”

About Klein Decisions, LLC

Klein Decisions was founded in 2002 by Robert L. Padgette, CFA, CIMA, to develop dynamic decision systems that incorporate investor preferences into the investor decision process. Headquartered in Raleigh, North Carolina, Klein’s team of experienced investment and technology experts have introduced a suite of web-based applications based on a patented process that precisely quantify an investor’s goals, behaviors and preferences, and integrate that insight into a personalized investment solution.

About C.H. Dean, Inc.

C.H. Dean is a privately held, forty-year-old investment management and financial services firm focused on institutional quality money management, wealth management and business advisory services. The firm was founded in 1965 by Chauncey H. Dean and is headquartered in Dayton, Ohio.