As a registered investment advisor, Towers Watson Investment Services, Inc. (TWIS) maintains a brochure in compliance with Rule 204-3 of the Investment Advisers Act of 1940. In order to provide you with current information about TWIS and its business practices, we include our Disclosure Brochure here.

If you would like copies of supplements containing biographical information for the advisory personnel who work most directly with you, or have any questions, comments or concerns, please contact your lead consultant or our chief compliance officer, Mark Gilbert, at