1. Benefits Complexity Ramped Up

2. Example 25 year old single female new hire Full time $36,000 salary

3. Choosing Benefits

4. Complex Decisions Which medical plan? $$ now and later? FSA/HSA/HRA? Do I save a % of my pay? How much is that? What investment funds to select? Can I buy more vacation? Do I have the right life insurance? Do I have to have disability benefits? Am I ever going to have fun again?

5. Difficult Financial Concepts Net pay Cash flow Pre tax Investment funds Tax bracket Year end carryover Deductible Networks

6. Where Do They Get Their Information?

7. GI Generation (81 and older) 1905-1925 Silent Generation (61-80) 1926-1945 Baby Boomers (42-60) 1946-1964 Generation X (24-41) 1965-1982 Gen Y * (4-23) 1983-2002 *( a.k.a - Millennials or Eco-boomers) GI Generation (81 and older) 1905-1925 Silent Generation (61-80) 1926-1945 Baby Boomers (42-60) 1946-1964 Generation X (24-41) 1965-1982 Gen Y * (4-23) 1983-2002 *( a.k.a - Millennials or Eco-boomers) Today’s Generations

8. Information in Age of Aquarius Boomers (over 45) –Meetings –Handouts –Booklets –Local community contacts –Internet –Videos –Podcasts

9. Information in New Media Gen X and Millennials (under 45) –Cell phones –Online communities –Blogs –E-mails –Internet –Podcasts –Print –Video –Meetings

10. New Media Technology based Mobile Interactive User-generated Wireless Peer to Peer Instant Speed

11. New Media Blogs Podcast –Sound –Video Text Messaging Online Communities Or Social Networks

12. New Media Blogs Podcasts –Sound –Video Text Messaging Online Communities Craigslist ITunes –NPR rebroadcast YouTube Text Message Networks Wesabe

13. New Media www.wesabe.com www.mint.com www.healthvault.com www.choate.com www.abcnews.go.com www.digg.com www.youtube.com

14. Blocking & Tackling Who’s your audience? What’s your message? What behavior needs to occur? What does the audience pay attention to? Or getting to “open” What media is available? Timing? Budget?

15. 25 Year Old New Hire??? Millennials Generation X

16. Questions

17. Benefits Complexity Ramped Up Jackie P. Jackson 804-864-1925 jpjackson@jackconsultingllc.com