FINANCIAL WELLNESS WORKSHOP

FINANCIAL WELLNESS WORKSHOP Presented by Name Title

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IMPROVE YOUR PERSONAL CASH FLOW PROTECT WHAT’S IMPORTANT SAVE AND GROW SECURE YOUR RETIREMENT KEYS TO FINANCIAL WELLNESS

IMPROVE YOUR PERSONAL CASH FLOW

HOUSING 33% FOOD 13% TRANSPORTATION 18% ENTERTAINMENT 5% SAVINGS ? BUILD A BETTER BUDGET Source: Based on data from the Bureau of Labor, table b:

THE “IDEAL” BUDGET HOUSING25% FOOD12% TRANSPORTATION15% ENTERTAINMENT 5% SAVINGS10% Source: petetheplanner.com

96% SPEND FIRST 4% SAVE FIRST Source: Five Wealth Secrets 96% of Us Don’t Know, Craig S. Hill, Family Foundations International, 2012

SHOP AROUND DINE OUT LESS RESIST IMPULSE BUYING REVIEW PHONE & CABLE BUY A USED CAR BUDGET FOR HOLIDAYS PAY AS YOU GO AND MORE BE A SMART CONSUMER

6-12 EMERGENCY FUND MONTHS SAVE FIRST

USE DEBT WISELY HOME CAR EDUCATION NO MORE THAN 36% Source: Practical Money Skills for Life, 2012: practicalmoneyskills.com/personal finance/creditdebt/debt/load.php

$10K $13.5K % JOHN SMITH Source:

PAY OFF PAY DOWN CONSOLIDATE REFINANCE MONITOR TAKE INVENTORY MANAGE YOUR DEBT

BUILD A BETTER BUDGET SAVE FIRST BE A SMART CONSUMER USE DEBT WISELY IMPROVE YOUR PERSONAL CASH FLOW

PROTECT WHAT’S IMPORTANT

PROPERTY HOMEOWNER’S, AUTO, PERSONAL LIABILITY HEALTH MEDICAL, LONG-TERM CARE INCOME DISABILITY LEGACY LIFE WHAT’S IMPORTANT? IDENTITY SECURITY

PROTECT YOUR HEALTH Source : America’s health insurance plans, Guide to Long-Term Care Insurance 2013

PROTECT YOUR INCOME

COULD YOU LIVE ON 42%? 70% After Taxes 100% Gross Income 60% 42% Group Disability After taxes Disability insurance has exclusions and limitations. For costs and complete details of coverage, contact your financial professional.

WHAT KIND OF SAFETY NET DOES YOUR FAMILY HAVE?

PAY FOR EXPENSES PAY OFF DEBT REPLACE INCOME LEAVE A LEGACY PLAN YOUR ESTATE

INVENTORY YOUR LIFE INSURANCE TERMPERMANENT LOWER-COST DEATH BENEFIT SPECIFIC TIME PERIOD PREMIUM CAN CHANGE HIGHER COST DEATH BENEFIT HAVE FOR A LIFETIME NUMBER OF TYPES AND CHOICES PROTECT YOUR LEGACY “IF YOU DIE... “ “WHEN YOU DIE... “ In exchange for the death benefit, life insurance products charge fees such as mortality and expense risk charges and surrender fees. Guarantees are based on the claims paying ability of the issuing insurance company.

PLAN YOUR ESTATE

PINS PASSWORDS ACCOUNT NUMBERS CREDIT REPORT VIGILANCE SECURE YOUR IDENTITY

PROPERTY HEALTH INCOME LIFE PROTECT WHAT’S IMPORTANT IDENTITY

SAVE AND GROW

START EARLY SET GOALS THINK LONG-TERM PUT YOUR MONEY TO WORK

RISK VS. RETURN LOWER RISKHIGHER RISK LOWER POTENTIAL RETURNHIGHER POTENTIAL RETURN CASH ALTERNATIVES FIXED INTERESTBONDSSTOCKS Investing involves risk, including possible loss of principal.

STOCKS BONDS MUTUAL FUNDS Equity investment options involve greater risk, including heightened volatility, than fixed-income investment options. Fixed income investment options are subject to interest rate risk, and their value will decline as interest rates rise. Asset allocation and diversification do not ensure a profit or protect against loss.

COMPOUND GROWTH $ 296,538 SAVING $6K PER YEAR FOR 20 YEARS WITH AN 8% RETURN POWER OF COMPOUND GROWTH AND TAX ADVANTAGED RETIREMENT SAVINGS For illustrative purposes only. The assumed rate of return for the analysis hypothetical and does not guarantee any future returns nor represent the return of any particular investment. Fees and expenses are not reflected. If such costs were taken into account, the results would be lower. Withdrawals of tax-deferred accumulations are subject to ordinary income tax and prior to age 59 ½ may be subject to 10% IRS penalty. Lower maximum tax rates on capital gains and dividends would make the investment return for the tax able investment more favorable. Investing involves risk including possible loss of principal. There is no assurance any investment will grow at a steady rate of return. Individual results will vary.

SAVING $6K OF GROSS INCOME PER YEAR FOR 20 YEARS WITH AN 8% RETURN EFFECTIVE TAX RATE OF 25% POWER OF COMPOUND GROWTH AND TAX ADVANTAGED RETIREMENT SAVINGS TAXED $ 175,467 TAX-FREE GROWTH $ 222,403 TAX DEFERRED WITH EMPLOYER MATCH (50%) $ 444,806 $ 333,605 (AFTER TAXES) TAX DEFERRED $ 296,538 $ 222,403 (AFTER TAXES)

START EARLY SET GOALS THINK LONG-TERM PUT YOUR MONEY TO WORK SAVE AND GROW

SECURE YOUR RETIREMENT

GUARANTEE LIFETIME INCOME PRESERVE YOUR BUYING POWER REDUCE INVESTMENT RISK CONTINUE TO GROW YOUR SAVINGS

SOCIAL SECURITY DEFINED BENEFIT PLANS PART-TIME WORK RETIREMENT INCOME SOURCES

QUALIFIED SAVINGS PLANS PERSONAL SAVINGS RETIREMENT SAVINGS

LONGEVITY INFLATION PUBLIC POLICY HEALTHCARE COSTS INVESTMENT RISK RETIREMENT INCOME RISKS

PERSONAL SAVINGS QUALIFIED SAVINGS PLANS INCOME

INCOME ANNUITIES DEFERRED ANNUITIES with Guaranteed Living Benefits GUARANTEEDVARIABLE RETIREMENT ACCOUNT WITHDRAWALS DIVIDENDS INTEREST DEFERRED ANNUITIES without Guaranteed Living Benefits Guarantees are based on the claims-paying ability of the issuing insurance company. Variable annuities are suitable for long-term investing, particularly for retirement. Investing in variable annuities risk, including the possible loss of principal. Fixed and variable annuities include fees and expenses such as mortality and expense risk charges, contingent deferred sales charges administrative and contract fees.

GUARANTEE LIFETIME INCOME PRESERVE YOUR BUYING POWER REDUCE INVESTMENT RISK CONTINUE TO GROW YOUR SAVINGS SECURE YOUR RETIREMENT

KEYS TO FINANCIAL SUCCESS

IMPROVE YOUR PERSONAL CASH FLOW PROTECT WHAT’S IMPORTANT SAVE AND GROW SECURE YOUR RETIREMENT

FINANCIAL WELLNESS WORKSHOP