Presented by StanCorp Equities, Inc., member FINRA

A Woman’s Guide to a Financially Secure Future Presented by [Presenter’s name] [Presenter’s title] A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Step-by-step investing for tomorrow This workshop is about: Facing the challenges that are unique to women Taking steps toward a secure financial future Starting early to gain an edge Anticipating your future Simplifying saving and investment choices A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Facing the challenges that are unique to women We share some things that can’t be said about men We live longer We earn less, on average, than men1 We often leave the workforce for a time We received smaller Social Security benefits2 We save less2 1 U.S. Department of Labor, Bureau of Labor Statistics, 2012 2 Fact Sheet: “Social Security is Important to Women,” Social Security Administration, February 2013 A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Some good news Your retirement plan offers saving options that… are simple and smart places you in control helps move you toward a secure future A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Anticipating the future Be sure to factor in life’s potential surprises: Taking time out of the workforce Dealing with divorce Becoming a widow Being single Be sure you’re saving enough, on your own, to support yourself in retirement. A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Social Security (for women only): Women who take time out of the workforce… forfeit earnings (reduced lifetime earnings) forfeit earning power job skills decline or become obsolete Women who work part time… forfeit earnings (part-time vs. full-time) forfeit earning power Result: lower pay or working outside career field Result: lower hourly rate than full time That’s why your actual Social Security benefits may fall short of the amounts listed in the Social Security tables of the “How much should you save?” worksheet. A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Balancing risk and potential return Stocks Potential return Bonds Cash equivalents Potential risk A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Rebalance and revisit Rebalance: Use the Automatic Rebalancer OR Rebalance your account yourself Revisit: Your goals and strategies Your current situation and future plans A Woman’s Guide to a Financially Secure Future

Starting early to gain an edge Kimberly Acting Sooner Can Pay Off Started contributing at age 45 Contributed $300/month for 20 years ($72,000) Retired at age 65 with $176,706 $290,198 (at retirement) $176,706 (at retirement) Linda Started contributing at age 25 Contributed $100/month for 20 years ($24,000) Retired at age 65 with $290,198 Kimberly Linda This chart is hypothetical and for illustrative purposes only and is not indicative of the performance of any specific investment. This illustration assumes an average annual rate of return equivalent to 8 percent, compounded monthly. The investment return and principal value of an investment will fluctuate and an investor’s interest, when redeemed, may be worth more or less than the original investment. Past performance is no guarantee of future results. A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Secure your future – starting now Successful retirement planning starts with a few basic steps: Set goals: Take the needs assessment quiz (page 2 of the workbook) Save enough to meet your goals: Calculate how much you should save (page 5 of the workbook) Simplify your investment decisions: Take the Investor Profile Quiz (page 6 of the workbook) – it’ll guide you toward an investment portfolio Start saving: Enroll in your plan A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future A few more tips Shelter your savings Keep retirement savings in plan OR Transfer them to another plan Sell yourself: Keep skills current Negotiate for best salary Ask about savings plan A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Starting now – a gift to yourself Start now! More time to benefit from compounding earnings Easier to begin contributing a little now than a lot later Less likelihood of being sidetracked A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Anticipate your lifestyle Take the six-question needs assessment quiz (page 2 of the Retirement Planning Workbook) Add the numbers next to your answers to determine your score Calculate how much you should save (page 4 of the workbook) Complete the worksheet (page 5 of the workbook) A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Social Security benefits Married individuals have the option of taking: Benefit-based (on your own work record) OR Spousal benefit-based (on spouse’s work record): equivalent to up to half of spouse’s benefit If a woman is receiving a spousal benefit when her husband dies, her benefit increases to the amount of her spouse’s entire benefit (provided she has reached full retirement age). Source: Social Security Administration: “What Every Woman Should Know” A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Social Security benefits If you are divorced, you may still qualify for a spousal benefit if you: were married at least 10 years have not remarried do not qualify for a benefit that is greater than one-half of your former spouse’s benefit are age 62 or older (with some exceptions) Source: Social Security Administration: “What Every Woman Should Know” A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future What kind of investor are you? Take the Investor Profile Quiz on page 6 Match your score with one of the asset allocator portfolios on page 7 to select a portfolio, if allowed by your plan OR Use your quiz score as a basis to build your own portfolio A Woman’s Guide to a Financially Secure Future

Asset allocator: Where do you fit? You should carefully consider the investment objectives, risks, charges and expenses of the investment options offered under the retirement plan before investing. International investing involves certain risks, such as currency fluctuations, economic instability and political developments. These risks may be accentuated in emerging markets. Small-company (small cap) investing involves specific risks not necessarily encountered in large-company investing, such as increased volatility. Funds that invest in bonds are subject to certain risks, including interest-rate risk, credit risk and inflation risk. As interest rates rise, the prices of bonds fall. Your plan may be funded by a mutual fund trust or a group annuity contract. Both are suitable for long-term investing, including saving for retirement. While annuities generally provide tax-deferred treatment of earnings, the group annuity contract does not provide any additional tax-deferred treatment beyond the treatment provided by your retirement plan. A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Enroll today – plan for tomorrow Take an important step toward making tomorrow financially secure. Enroll in your retirement savings plan today. Your employer’s plan offers a rewarding way to invest for your retirement. Take advantage of this opportunity. The amount you invest now may make the difference between having financial security in retirement and just getting by. Enrollment materials provided by your plan administration have all of the forms you need and information on the investment choices offered by the plan. Please read all of the materials you receive carefully before making any decision about how to invest your money. If you have any questions about the plan, contact your plan administrator. Your plan may be funded by a mutual fund trust or a group annuity contract. Both are suitable for long-term investing, including saving for retirement. While annuities generally provide tax-deferred treatment of earnings, the group annuity contract does not provide any additional tax-deferred treatment beyond the treatment provided by your retirement plan. A Woman’s Guide to a Financially Secure Future

A Woman’s Guide to a Financially Secure Future Thank you! A Woman’s Guide to a Financially Secure Future

Employers and plan participants should carefully consider the investment objectives, risks, charges and expenses of the investment options offered under the retirement plan before investing. The prospectuses for the individual mutual funds and each underlying investment option in the group annuity contain this and other important information. Prospectuses may be obtained by calling 877.805.1127. Please read the prospectus carefully before investing. Investments are subject to market risk and fluctuate in value. The Standard is the marketing name for StanCorp Financial Group, Inc. and its subsidiaries. StanCorp Equities, Inc., member FINRA, wholesales a group annuity contract issued by Standard Insurance Company and a mutual fund trust platform for retirement plans. Third-party administrative services are provided by Standard Retirement Services, Inc. Investment advisory services are provided by StanCorp Investment Advisers, Inc., a registered investment advisor. StanCorp Equities, Inc., Standard Insurance Company, Standard Retirement Services, Inc. and StanCorp Investment Advisers, Inc. are subsidiaries of StanCorp Financial Group, Inc. and all are Oregon corporations. RP 12294-AA-PPT (4/13)