Just One Step One change. One percent. One step closer to retirement. SM Retirement on the Brain

Put the excuses aside. May 13, 2018 Are you overwhelmed by the idea of saving for retirement? Do you even know where to start? Or maybe you’ve given thought to retirement but you’re paralyzed by all the investment options. No matter what the barrier is between you and your financial peace of mind, you can break that barrier today with Just One Step. That’s all it takes. One step forward to set your plan in motion.   Just one step can help you gain the momentum you need to reach reach retirement when you’re 67 or 70 years old. You’ll be less worried about your future and better prepared for any curves ahead.

Today is when you take control. May 13, 2018 Today is when you take control. How do you break the chains of inertia and take that step? You start by taking control now. Enrolling in a retirement account or increasing your contribution doesn’t take much time.   Think of the time you’ve spent drafting a fantasy football team or posting on social media. In the same amount of time or less, you can prepare yourself for the horizon ahead. Take charge! Make your one change today.

May 13, 2018 +$30 +$30 +$30 Anyone can find 1 percent of his or her budget to contribute. You just have to look in the right place. Take these three options for example.   Bring your lunch three times this month. Or take public transportation instead of driving. You could even find your 1 percent by having a regular coffee each day instead of a latte. There are plenty of options. Just find the option that works best for you. Once you’ve found your 1 percent, use it to make a real difference to your retirement account.

May 13, 2018 Enroll or increase. See? Now you’re beginning to hit your runner’s stride. Enroll or increase. It’s that simple.   With The Standard’s multimedia module, you can easily enroll online. Or just use the easy-increase postcards handed out in this meeting to get started. If you already have a retirement account set up, increasing by 1 percent is straightforward and quick. It won’t be long before you’re running laps around your retirement readiness.

Keep the momentum going. May 13, 2018 Keep the momentum going. You can keep your momentum going by increasing every year. By making your increase an annual habit, you are setting yourself up to be a seasoned veteran of retirement readiness.   The traction you gain each year will strengthen your retirement account and your ability to retire in the best way you see possible.

Financial security. Peace of mind. May 13, 2018 Financial security. Peace of mind. What step will you take today for a better tomorrow? You know where to start. Lace up and take that first step with confidence. And remember: Saving for retirement isn't a race. You can reach retirement readiness by setting your course today.   Start saving now so you can focus on what really matters in life. Like playing with your kids. Writing the novel you’ve always dreamed of writing. Advancing your career. Or training for a new skill. Give yourself the financial security and peace of mind you deserve. Enroll or increase by 1 percent. Set a reminder to make it an annual habit.

What's your next step? www.standard.com/retirement/education Both The Standard and your employer are committed to helping you plan for retirement in the way that makes the most sense for you.   For more information, timely articles and resources on retirement investing, visit www.standard.com/retirement/education.

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 available 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. 17650 (11/15)