ASSET ALLOCATION & INVESTMENTS PRESENTER’S NAME GOES HERE Redesign – take out plan sponsor language and talk directly to individual.

AGENDA Retirement Redefined Planning Checkpoints Changing Markets Investment Options Next Steps AGENDA

RETIREMENT REDEFINED In this first section, we’ll address some basic retirement factors. We’ll look at the changing landscape of retirement as people are living longer than before. This means you’ll spend more time in retirement and will need to plan ahead for inflation to have enough income to last your entire lifetime. But don’t forget that deciding to retire is not just a financial decision. It is also an emotional decision: How will you handle not working full time? If married, will you be home with your spouse all day? What will you spend your time doing? What will your week look like? Any activities or ways you can get involved in the community? Will you move? Etc.

PLANNING OVERVIEW Here we will discuss a broad overview of things that are in your control, out of your control and things you have partial control over. We want you to walk away knowing the things that you can change yourself vs. things that are uncontrollable.

COMPONENTS OF RETIREMENT PLANNING

IN YOUR CONTROL – ASSET ALLOCATION The next area that is in your control is Asset Allocation within your retirement account. Often people think that Asset Allocation is the most important part of your retirement plan. But really, saving is the most important, then Asset Allocation. Proper diversification will be affected by three factors: time horizon until you want to start taking dollars from your account, your tolerance for risk, and your specific retirement goals (what kind of retirement you are trying to fund). Let’s talk about the three main investment approaches with GuideStone. Please look at the handout that is titled “Choose Your Funds”.

KEY TAKEAWAYS You Need to Save More Adopt a Long-term Perspective Saving is important to do in a low-return market. It’s in your control. Adopt a Long-term Perspective Volatility is common and should be expected. Risk needs to be understood to be effective.

SIMPLE STEPS TO CHANGE YOUR FUTURE Get an investment recommendation at GuideStone.org/IRT. Make sure your total contributions are on track. Use online calculators and planning tools at GuideStone.org/Calculators. Learn more about consolidating your investments at GuideStoneRetirement.org/Consolidate. Access your MyGuideStone™ account at My.GuideStone.org. This plan may also help you reduce your taxes. Income taxes are deferred on plan contributions and investment earnings, and contributions by ministers are also excluded from Social Security taxes.

STAY CONNECTED 1-888-98-GUIDE (1-888-984-8433) Info@GuideStone.org With thousands of investment options available for ministers and church employees, why should they use this plan? First, the Church Retirement Plan has no sales commissions. This means 100% of the money you contribute is invested directly into your account.

GuideStone Financial Resources® (“GuideStone”) is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity. GuideStone has a financial interest in GuideStone Funds. GuideStone and its affiliates receive management fees and service fees from the Funds. When plan assets are invested in GuideStone Funds, the amount of management fees and service fees received by GuideStone and its affiliates increases. The amount of fees paid to GuideStone and its affiliates by GuideStone Funds varies by fund. Fees paid to GuideStone and its affiliates are higher in those GuideStone Funds that are funds of funds, because the funds of funds bear their proportionate share of the fees of the underlying GuideStone Funds in which they invest (in addition to bearing their own fees). For more detailed information regarding the fees and expenses of the GuideStone Funds, please refer to the GuideStone Funds prospectus. GuideStone Funds shares are distributed by Foreside Funds Distributors LLC, not an advisor affiliate.