Investment Horizons, Inc. was founded in 1984. We have been involved with retirement communications since our inception and began to specialize in this area in 1992 when the first edition of Selecting Investments for Your Retirement Account was published. Selecting Investments for Your Retirement Account was written because there was an expressed need in the plan sponsor community for standardized, cost-effective materials. We researched the market and were disappointed with what we found. Thus, we wrote Selecting Investments for Your Retirement Account. Based on the success of that effort (the book has sold over 150,000 copies and is now in its fifth edition), we decided to devote a major portion of our resources to developing participant communications. Investment Horizons produces both standard and customized materials and provides consulting services to those clients (both plan sponsors and plan providers) who wish to develop new investment communications programs or enhance their existing ones. The success of our products is a testimony to our research and development efforts and to our ability to keep abreast of the relevant developments in communications, behavioral finance, investing, retirement, and fiduciary issues. The breadth and depth of information that comes into Investment Horizons prevents us from becoming parochial. The incoming material is filtered so that we can differentiate among what plan sponsors say they want, what they need, and for what they are willing to pay. We also keep abreast of what product providers and plan sponsors are distributing to participants. This enables us to focus on what product vendors must "give away" to gain business. If we feel that we can build a much better mousetrap, bridge a gap, or provide a product that will enable a product provider to stand out from the crowd, we tackle it.