Planning for Success Prudential Financial Planning Services presents: What your business needs…What your employees want Presented by: [FP Name, designations] [Approved Title] 0222112-00004-00

What you will learn today: Why Offer Financial Planning Services? What is the Win-Win Solution? How the program works What is the Process? Next Steps

Why Financial Planning Services? Employees today are dealing with many different financial concerns… Paying for child’s college education Retirement Unforeseen hardship (disability or death of a spouse) Finding trustworthy person to talk to about financial concerns

Why Financial Planning Services? A financial wellness program can provide lower employee turnover, lower healthcare costs as a result of less financial stress taking a toll on employees, and lower absenteeism. Employees who bring their money worries to work tend to be less productive and less engaged, and even raise employer health care costs.1 1 USA Today, September 27, 2014 Employees need it, want it, and appreciate it! 1 USA Today, September 27, 2014

Improve your ability to attract and retain employees by: The Win-Win Solution Improve your ability to attract and retain employees by: Offering a new, valuable benefit Helping them better understand existing benefits Providing access to a knowledgeable financial planner who can help them achieve a variety of financial goals… In the wake of the recession, many employers have seen how financial distress reduces worker productivity, increases absenteeism, and undermines employees’ health. Forward-looking employers have begun to take action, adopting creative approaches to enhance employee financial well-being. We can help your company: Retain quality employees by increasing appreciation through the offering of this non-traditional benefit Attract the best employees by cost effectively making your benefits package more comprehensive Reduce Fiduciary Risk by providing education to help employees achieve their financial goals and fulfill ERISA 404© requirements Increase return on investments in your benefits by giving employees a clear understanding of existing benefits Decrease stress in the workplace and improve productivity by focusing on work instead of financial concerns All with a moderate investment of time and money!

Offer a Solution By offering your employees comprehensive, fee-based, financial planning services from a knowledgeable Prudential Financial Planner, you can give your employees a way to obtain valuable education and assistance to help them reach their financial goals. 6

Your Employees Will Obtain: Offer a Solution Your Employees Will Obtain: Greater awareness of and appreciation for existing benefits Access to a knowledgeable financial planner Better peace of mind with a customized plan to help achieve financial goals Unbiased and objective advice

How the Program Works You select which employees are eligible to participate On-site financial education workshops can be provided Those employees who choose to obtain financial planning services will receive professional guidance from an objective Financial Planner

The Process Your Financial Planner will: Clarify your financial goals Gather your information Analyze your information and create a financial plan Present you with your financial plan and recommendations Provide assistance to implement your financial plan Review your progress When your employees meet with a Prudential Financial Planner, they’ll follow a clearly-defined process.

The following will be discussed: General Investment Planning Retirement Planning Education and Other Major Goal Planning Estate Planning Strategies Protection Planning Net Worth / Cash Flow Analysis

A Flexible Program Choose from three different levels of service for your employees, based upon your company’s needs… [Xx%] group discount You decide who receives the benefit Provide to all employees, a small group, or employees at a specific location Cost-sharing of fees Company can pay for all, some or none of the financial planning fee Fees paid by your company for financial planning services provided to employees may be tax-deductible (consult your tax advisor)

Determine the level of service Taking the Next Step Determine the level of service Communicate program and process to employees to obtain financial planning services at a discount Select the best time, date, and location for financial educational workshops (optional)

Thank You! 13

Offering financial planning and investment advisory services through Pruco Securities, LLC (Pruco), doing business as Prudential Financial Planning Services (PFPS), pursuant to separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. Neither Prudential Financial, its affiliates, nor its financial professionals, render tax or legal advice. Please consult with an attorney. accountant and/or tax advisor for advice concerning your particular circumstances. Prudential , the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities. 14