1. Master Your Presentation Skills & Critical Tips on Retirement Planning Bernadette Mitchell, Vice President Ted Beal Jr. Executive Vice President

2. Objective 2 | Opportunity Overcome the Challenge Improve your speaking skills

3. Staff Meeting Peers Public /Parents Crisis- Adversity Board Meetings Media Q&A Speaking Situations Challenge

4. “ We evolve the capacity to feel long before the way we think…instead of barraging people with facts you speak to peoples core values and concerns ”. Drew Westin, Neuroscientist Speak Up Speak OUT with Confidence…..

5. Four score and seven years ago our fathers brought forth on this continent, a new nation, conceived in Liberty, and dedicated to the proposition that all men are created equal. Now we are engaged in a great civil war, testing whether that nation, or any nation so conceived and so dedicated, can long endure. We are met on a great battle-field of that war. We have come to dedicate a portion of that field, as a final resting place for those who here gave their lives that that nation might live. It is altogether fitting and proper that we should do this. But, in a larger sense, we can not dedicate -- we can not consecrate -- we can not hallow -- this ground. The brave men, living and dead, who struggled here, have consecrated it, far above our poor power to add or detract. The world will little note, nor long remember what we say here, but it can never forget what they did here. It is for us the living, rather, to be dedicated here to the unfinished work which they who fought here have thus far so nobly advanced. It is rather for us to be here dedicated to the great task remaining before us -- that from these honored dead we take increased devotion to that cause for which they gave the last full measure of devotion -- that we here highly resolve that these dead shall not have died in vain -- that this nation, under God, shall have a new birth of freedom -- and that government of the people, by the people, for the people, shall not perish from the earth. -- Abraham Lincoln Gettysburg Address

6. Brilliant on the Basics 6 | Impact Speech Construction Body Language Voice / Tone Eye Contact

7. 7 40% Practice Discipline: Balancing your preparation What to Say Content Structure Words 60%

8. Courage is resistance to fear, mastery of fear, not absence of fear. Mark Twain

9. Introductions

10. Handling Your Audience Environment Audience, Reading the Audience Leading/Loaded Questions Listening Look for Common Ground How You React, retain poise “He who grins wins”

11. Make It Great 1 Perception >> Not Perfection 2 Make it personal/ Stories Visualization 3 Drop: Like, “um,” “ah,”, “you know,”

12. Thank You

13. GETTING VALUE FROM YOUR RETIREMENT PLANS Ted Beal PPG 101434 (3/15) EXP 3/17 MEETING THE CHALLENGES AHEAD

14. Key Benefit Plans State Retirement System = NJ defined benefit plan for income Qualified Plan Opportunities (403(b), 457, Roth, etc…) Social Security PPG 101434 (3/15) EXP 3/17 14 |

15. 1. Understand value 2. Retirement: Afford it? When? 3. Options 4. Life insurance 5. Health PPG 101434 (3/15) EXP 3/17 15 | Pension Review

16. The Economic Growth and Tax Reconciliation Act of 2001 enhanced retirement savings options Increased plan limits 403(b), 457(b), + 401(a) Pay accumulated sick and vacation time as post- retirement plan contributions Employer contributions Roth 403(b) – January 2006 PPG 101434 (3/15) EXP 3/17 16 | Qualified Plan Regulations Provide ways to plan for Retirement Source: The Economic Growth and Tax Reconciliation Act of 2001, EGTRA

17. Thank You! PPG 101434 (3/15) EXP 3/17 17 | THANK YOU This information is not approved or endorsed by any school or state entities. AXA Advisors is not affiliated with any school or state entity. Securities offered through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA/SIPC. Insurance and annuity products offered through AXA Network, LLC. Ted Beal Jr., Executive Vice President 732-452-7200