1. Top Trends Anton Tansil Managing Director, Key Accounts
Prudential Retirement

2. Why should employers care?
The Challenge:
Financial security in America
1/3
44%
Don’t have a retirement and savings plan 1
of workers delay retirement 4
2/3
Why should employers care?
1-1.5%
Believe they will outlive their savings 2
Higher employer costs if employees delay retirement by one year 5
41%
70%
Don’t have life insurance 3
HR professionals say financial issues impact employee performance 6
1. GoBankingRates.com, “1 in 3 Americans Have $0 Saved for Retirement,” 2016
2. Northwestern Mutual’s 2016 Planning&Progress Study
3. LL Global, Inc.™ and Life Happens®, “2017 Insurance Barometer Study,” 2017
4. PwC, Employee Financial Wellness Survey, March 2016
5. Prudential, “Benefits Optimization: Insights into Benefit Plan and Portfolio Design,” With supporting research and analysis conducted by the University of Connecticut’s Goldenson Center for Actuarial Research.
6. Society for Human Resource Management, “Financial Wellness in the Workplace,” May 2014

3. Unable to Protect Against Key Financial Risks
Emergency Savings
Participants facing financial adversity often take loans from retirement accounts. Participants experience barriers to saving outside of the retirement plan and end up not saving at all. Saving in the retirement plan is easier.
Unable to Protect Against Key Financial Risks
Struggle to Manage
Day-to-Day Finances
of Americans don’t have enough savings to meet a $500 emergency3
78%
don’t feel financially secure2
63%
Employer-sponsored retirement accounts are the primary savings vehicle for most employees.1
1 Prudential, 2017 Financial Wellness Study. Based on a survey of full-time employees who have medical insurance, therefore, the results may appear higher than comparisons to national averages.
2 Prudential, Financial Wellness Consumer Research, 2016.
3 McGrath, Maggie, “63% of Americans Don’t Have Enough Savings to Cover a $500 Emergency,” in a new window
4 Source: The Pew Charitable Trusts, “The Precarious State of Family Balance Sheets,” January 2015

4. Guaranteed Minimum Withdrawal Benefits
Institutional Retirement Income Options
MARKET RISK
FLEXIBILITY & CONTROL
LONGEVITY RISK
Market protection pre- and post-retirement
Access to funds at any time
Lifetime income protection
No Income Guarantee
Managed payout program
Systematic withdrawals 
Fixed Annuities
Fixed payout annuity
In-Plan/Out-of-Plan
Guaranteed Minimum Withdrawal Benefits

5. Disclosures Emergency Savings
Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT, a Prudential Financial company.
Anton Tansil is a registered representative of Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company.
© 2018 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.