Take the first step toward your retirement We’ll help you get started RBC Wealth Management (800) 950-3246 John “Buzz” Garlock Andrew Jacobitz Cory Garlock Immanuel C.J. Sullivan (402) 829-2978 Debbie Butcher (402) 829-3217

1 2 3 Three steps to get you on your way toward retirement: Start saving for retirement 1 How much will you put aside today? 2 Review your investment options 3

What’s your vision for retirement? Hobbies Travel Work part-time D

Retirement income risks Longevity Investment Risks Public Policy Life Expectancy 87.9 75 86.0 Female Current Age 85.3 Male 65 82.7 81.1 At Birth 76.2 70 75 80 85 90 Source: Centers for Disease Control, Deaths; Preliminary Data for 2013 H

Retirement income risks Inflation Healthcare costs I

Let’s review the booklet!

! Make the Most of your Match -Your employer matches 50% of your contribution up to the first 6% of your salary. ! -Safe Harbor 3%

1 Start saving for retirement WEB Demo Play recording principal.com/Enroll or 800.547.7754 or complete the enrollment form 1 WEB Demo Play recording

How much will you put aside today? 2

How much will you need? You may need less than 100% of your current income if: Your mortgage is paid off You have no work-related expenses You are not or will not be supporting dependents You are no longer saving for retirement You may need more than 100% of your current income if: You plan to purchase a second home or pay rent You are still supporting dependents You plan to spend more on your favorite activities You require additional medical care E

Consider saving as much as you can, as early as you can Potential savings $500k 450k 400k 350k 300k 250k 200k 150k 100k 50k 10 15 1 5 20 25 30 years Diane saves $448,000 Diane begins to contribute 6% of her pay right away. Total contributions $162,600* David saves $247,200 David begins to contribute 6% of his pay after 10 years. Total contributions $125,700* This chart assumes a starting salary of $35,000, 3.5% annual salary raise, a 50% organization match on up to 6% salary contribution (providing an additional 3%) and a 7% annual rate of return on investment, compounded biweekly. This example is for illustrative purposes only. The assumed rate of return is hypothetical and does not guarantee any future returns nor represent the return of any particular investment option. Amounts shown do not reflect the impact of taxes on pre-tax distributions. Individual taxpayer circumstances may vary. *Total contributions include employee and organization match contributions.

Save on taxes $20.19 How it works 6% contribution No contribution Biweekly pay $1,346.15 Contribution $80.77 $0 Taxable income $1,265.38 Taxes (assuming 25% tax bracket) $316.35 $336.54 Take-home pay $949.03 $1,009.61 Tax savings $20.19 The $80.77 contribution reduced the pay by only $60.58. ($1,009.61 - $949.03 = $60.58) This chart assumes a 25% tax bracket, which includes local, state, and federal taxes; amounts shown reflect what a person might receive if not deferred. Reduced take-home pay is accurate for the initial year and would change based on participant’s annual pay. For illustrative purposes only.

Review your investment options 3

Do-It-Yourself” or “Set-It-and-Forget-It”? Monitor investment choices Do-It-Yourself” or “Set-It-and-Forget-It”? At least annually or as significant events occur, you should review the way your savings are invested and what investment choices are available through the retirement plan.

The basics of investing Diversify Rebalance Stay invested Monitor investment choices Asset allocation and diversification do not ensure a profit or protect against a loss.

Diversify or Asset allocation and diversification do not ensure a profit or protect against a loss.

Rebalance Asset allocation and diversification do not ensure a profit or protect against a loss.

Stay invested Investment value Time I read about the great performance of this investment—BUY! Investment value I want out—SELL! It’s OK. I’m in it for the long run. Time Example—for illustrative purposes only. Dollar Cost Averaging involves continuous investing. Investors need to consider their ability and willingness to continue investing through periods of low price levels. This does not assure a profit nor protect against loss in declining markets.

Manage your plan for retirement My Virtual Coach Monthly webinars at principal.com/LearnNow Retirement Wellness Score Mobile app Retirement Wellness Planner Participant e-magazine Up-to-date investment information 24/7 account access

Your Resources RBC Wealth Management John “Buzz” Garlock, Andrew Jacobitz, and Cory Garlock 800-950-3246 https://www.thegarlockjacobitzgroup.com Principal Plan Access 24 hour Internet access at principal.com Call our automated phone system, at 1-800-547-7754 T

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Important information Investing involves risk, including possible loss of principal. Asset allocation and diversification does not ensure a profit or protect against a loss. Equity investment options involve greater risk, including heightened volatility, than fixed-income investment options. Fixed-income investments are subject to interest rate risk; as interest rates rise their value will decline. International and global investing involves greater risks such as currency fluctuations, political/social instability and differing accounting standards. These risks are magnified in emerging markets. The subject matter in this communication is educational only and provided with the understanding that Principal® is not rendering legal, accounting, investment or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.  The Retirement Wellness Planner information and Retirement Wellness Score are limited only to the inputs and other financial assumptions and is not intended to be a financial plan or investment advice from any company of the Principal Financial Group® or plan sponsor. This calculator only provides education which may be helpful in making personal financial decisions. Responsibility for those decisions is assumed by the participant, not the plan sponsor and not Principal®. Individual results will vary.  Participants should regularly review their savings progress and post-retirement needs.   Insurance products and plan administrative services provided through Principal Life Insurance Co. Securities offered through Principal Securities, Inc., 800.547.7754, member SIPC and/or independent broker-dealers. Principal Life, and Principal Securities are members of the Principal Financial Group®, Des Moines, IA 50392. Certain investment options may not be available in all states or U.S. commonwealths.  © 2017 Principal Financial Services, Inc. PD641PT-51 | 05/2017 | t16063002e5