1. Retirement savings Strategies
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Retirement savings Strategies
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Introduce speakers--provide brief background to indicate their expertise and why they are presenting--use CFAs if possible
Add Rep Name Here

2. This presentation has been prepared by [Add Firm Name Here], for general education and informational purposes only and is not intended to provide legal, tax, or investment advice. This material does not provide fiduciary recommendations concerning investments or investment management; it is not individualized to the needs of any specific benefit plan or retirement investor, nor is it directed to any recipient in connection with a specific investment or investment management decision. Any tax-related discussion contained in this presentation, including any attachments, is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding any tax penalties or (ii) promoting, marketing, or recommending to any other party any transaction or matter addressed herein. Please consult your independent legal counsel and/or professional tax advisor regarding any legal or tax issues raised in this presentation.
[static slide – will not change]
Rep Talking Points:
Read disclaimer
Inform group of what can and can’t be discussed during the session

3. Why Are We Here? ACCUMULATION DISTRIBUTION Retirement Today
YOUR SAVINGS TODAY BECOMES YOUR INCOME IN RETIREMENT.
ACCUMULATION
DISTRIBUTION
[static slide – will not change]
Rep Talking Points:
Review why it’s important to save for retirement
Consider what income will be when no longer working
Queue up that the employer sponsored retirement plan is a benefit to help save and invest for a comfortable retirement
Today
Retirement

4. COMPOUNDING 40K SALARY EXAMPLE $918,000 $861,000 $1,779,000 10 years
Compounded Savings Over 45 Years saving $500 per month
40K SALARY EXAMPLE
Account Value at Age 65
Years of Saving
10 years
no contributions
$918,000
no contributions
35 years
$861,000
45 years
$1,779,000
[Static slide - $40,000 Salary Example (15% = 500/month)]
Rep Talking Points:
Review concept of compounding
Discuss impact of starting early vs. waiting
Engage audience, asking for guesses on which scenario (between first 2) pays off more. End with longer example
Save early and often
Discuss impact of contributing continuously vs. stopping after 10 years
Note: This example uses $500 as the monthly contribution because that is 15% of a $40,000 annual salary.
Age 20 30 65
This chart is for illustrative purposes only. This is not meant to represent the performance of the investment options in your plan. These amounts assume $500 invested each month and a 7% annual rate of return net of fees. Contributions are assumed to be invested at the beginning of each period, compounded monthly.
All investments involve risk, including possible loss of principal.

5. Plan Features Plan Eligibility Contribution Limits Contribution Types
You are eligible to participate in the plan [plan-specific detail]
Plan Eligibility
Contribution Limits
Contribution Types
Company Contributions
[Plan specific slide – Participant money in]
Rep Talking Points:
Review plan specific eligibility requirements
Vesting Schedule

6. Plan Features Plan Eligibility Contribution Limits Contribution Types
You can contribute:
Between [xx%] and [xx%] of your pay to your plan
Up to the IRS limit:
$18,000 for 2017
Up to an additional $6,000 if you will be age 50 or over by the end of the year and contribute the maximum allowed by your plan
Plan Eligibility
Contribution Limits
Contribution Types
Company Contributions
[Plan specific slide – Participant money in]
Rep Talking Points:
Review plan specific participant contribution limits
Review IRS contribution limits for applicable year
MUST be clear that participant can contribute up to the LESSER of the plan percentage limit or the IRS contribution limit
NOTE: Gears in bottom right hand corner link to support slides at the back of the PPT, if applicable
Vesting Schedule
These limits exclude any after-tax (non-Roth) contribution limits discussed on next slide.

7. Plan Features Plan Eligibility Contribution Limits Contribution Types
You can make before-tax [and/or Roth and/or after-tax] contributions to the plan
Plan Eligibility
Contribution Limits
Contribution Types
Company Contributions
[Plan specific slide – Participant money in]
Rep Talking Points:
Review contribution types and how employer contributions are considered
Explain that a participant can designate THEIR contributions
Explain that company contributions are before-tax/Roth/after-tax
Vesting Schedule

8. For slide variations, see the Plan Features presentation.
Company Contribution:
[Describe the company match here]
Plan Eligibility
Contribution Limits
[Contribution type]
Years of service
[xx%]
[xx years]
[further plan-specific detail on contribution type]
Contribution Types
Company Contributions
[Plan specific slide – company money in]
Rep Talking Points:
Review company contributions
Match program
Other contributions
Vesting Schedule

9. For slide variations, see the Plan Features presentation.
Company Contribution:
Plan Eligibility
Vested percentage
Years of service
[xx%]
[xx years]
Contribution Limits
Contribution Types
Company Contributions
You are always 100% vested in the salary deferral portion of your account.
[Plan specific slide – Participant money in]
Rep Talking Points:
Review vesting schedule
Reiterate that salary deferrals are always 100% vested
Vesting Schedule

10. Retirement savings: HOW MUCH?
Please choose this slide (with company match) or the next slide (without company match).
Retirement savings: HOW MUCH?
Investors who are:
Consider working toward having: 30
half of their salary saved today 35
1x their salary saved today 40
2x their salary saved today 45
4x their salary saved today 50
6x their salary saved today 55
8x their salary saved today 60
10x their salary saved today 65
12x their salary saved today
15%
GET THE FULL MATCH
If possible,
[Plan specific slide – Plan offers match]
Rep Talking Points:
Review generally accepted savings guidance
Target 15% (Remind participants that figure includes company match/contributions)
At a minimum save enough to get company match
If saving below 15%, consider increasing contributions annually by 2% towards that target (discuss auto-increase service, if offered, and link to a slide auto-increase information via the gears in the bottom right)
Explain these goals are to help you achieve the savings targets on the right, and discuss it’s easier to hit the higher goals later in life if they start early and save often
Mention, if applicable, that to create the capacity to save we encourage participants to try to live off of 70% to 80% of their income
Consider increasing contributions by 2% annually to build toward 15% target

11. Retirement savings: HOW MUCH?
USE IF NO MATCH
Please choose this slide (without company match) or the previous slide (with company match).
Retirement savings: HOW MUCH?
Investors who are:
Consider working toward having: 30
half of their salary saved today 35
1x their salary saved today 40
2x their salary saved today 45
4x their salary saved today 50
6x their salary saved today 55
8x their salary saved today 60
10x their salary saved today 65
12x their salary saved today
15%
[Plan specific slide – plan DOES NOT offer a match]
Rep Talking Points:
Review generally accepted savings guidance
Target 15% (Remind participants that although company doesn't offer it now, the 15% figure would include company match/contributions)
At a minimum save enough to get company match
If saving below 15%, consider increasing contributions annually by 2% towards that target (discuss auto-increase service, if offered, and link to a slide auto-increase information via the gears in the bottom right)
Explain these goals are to help you achieve the savings targets on the right, and discuss it’s easier to hit the higher goals later in life if they start early and save often
Mention, if applicable, that to create the capacity to save we encourage participants to try to live off of 70% to 80% of their income 6%
SAVE
If possible, strive to
Consider increasing contributions by 2% annually to build toward 15% target

12. ANNUAL CONTRIBUTION INCREASES$
Contribution rate increased by 2% per year
No annual increase in contribution rate
$759,014
$333,432
[Static slide]
Rep Talking Points:
Review concept of compounding
Discuss impact of increasing contributions annually and how that could improve the end result over time
Remind participants of generally accepted guidance to aim for 15% and to increase 2% annually to get there
This is a hypothetical example for illustrative purposes only and is not meant to represent the investment return of any of your plan’s options. Assumes a starting salary of $40,000, which increases an average of 3% annually. The assumed initial contribution rate is 6% with a 7% annual return net of fees. The example goes further to assume a 2% annual increase with a 15% cap. Your situation will vary. All investments involve risk, including possible loss of principal.

13. PLAN FEATURES: INVESTMENT OPTIONS
Stock Mutual Funds/Trusts
[xx]
Bond Mutual Funds/Trusts
Money Market Funds/ Stable Value Trusts
[Plan specific slide]
Rep Talking Points:
Review investment options at a high level (NOTE: Do not mention any individual investment options by name or additional disclosure will be required--speak with your compliance department for guidance)
Direct participants to the website for complete investment line-up
Age-Based Investments

14. PLAN FEATURES: INVESTMENT OPTIONS
Stock Mutual Funds/Trusts
[xx]
Bond Mutual Funds/Trusts
Money Market Funds/ Stable Value Trusts
[Plan specific slide]
Rep Talking Points:
Review investment options at a high level (NOTE: Do not mention any individual investment options by name or additional disclosure will be required--speak with your compliance department for guidance)
Direct participants to the website for complete investment line-up
Age-Based Investments

15. PLAN FEATURES: INVESTMENT OPTIONS
Stock Mutual Funds/Trusts
[xx]
Bond Mutual Funds/Trusts
Money Market Funds/ Stable Value Trusts
[Plan specific slide]
Rep Talking Points:
Review investment options at a high level (NOTE: Do not mention any individual investment options by name or additional disclosure will be required--speak with your compliance department for guidance)
Direct participants to the website for complete investment line-up
Age-Based Investments

16. PLAN FEATURES: INVESTMENT OPTIONS
Stock Mutual Funds/Trusts
[xx]
Bond Mutual Funds/Trusts
Money Market Funds/ Stable Value Trusts
[Plan specific slide]
Rep Talking Points:
Review investment options at a high level (NOTE: Do not mention any individual investment options by name or additional disclosure will be required--speak with your compliance department for guidance)
Direct participants to the website for complete investment line-up
Age-Based Investments

17. PLAN FEATURES: INVESTMENT OPTIONS
[xx]
Stock Mutual Funds/Trusts
Fill in website address where participants can obtain additional information
FURTHER DETAIL AT website address
[xx]
Bond Mutual Funds/Trusts
Current list of investment options
Performance information
Morningstar fund fact sheets
[xx]
Add/delete based on what participant can find at the website listed above
Money Market Funds/ Stable Value Trusts
[Plan specific slide]
Rep Talking Points:
Review investment options at a high level (NOTE: Do not mention any individual investment options by name or additional disclosure will be required--speak with your compliance department for guidance)
Direct participants to the website for complete investment line-up
[xx]
Age-Based Investments
All investments involve risk, including possible loss of principal.

18. ASSET ALLOCATION [static slide – will not change] Rep Talking Points:
Age:
20s
90%–100% Stocks
0%–10% Bonds
Age:
30s
90%–100% Stocks
0%–10% Bonds
Age:
40s
80%–100% Stocks
0%–20% Bonds
60%–80% Stocks
20%–30% Bonds
0%–10% Money Market/Stable Value
50%–65% Stocks
25%–35% Bonds
5%–15% Money Market/Stable Value
20%–50% Stocks
35%–50% Bonds
15%–30% Money Market/Stable Value
Age:
70s and over
Age:
50s
Age:
60s
[static slide – will not change]
Rep Talking Points:
Explain general asset allocation concept
Link to auto-rebalance service, if offered, via gears in bottom right hand corner
Stocks
Bonds
Money Market/Stable Value
These allocations are age-based only and do not take risk tolerance into account. These asset allocation models are designed to meet the needs of a hypothetical investor with an assumed retirement age of 65 and a withdrawal horizon of 30 years. The model allocations are based upon an analysis that seeks to balance long-term return potential with anticipated short-term volatility. The model allocations reflect the view of appropriate levels of trade-off between potential return and short-term volatility for investors of certain age ranges. The longer the time frame for investing, the higher the allocation is to stocks (and the higher the volatility) versus bonds or cash.
Limitations:
While the models have been designed with reasonable assumptions and methods, each model is hypothetical only and has certain limitations.
The models do not take into account individual circumstances or preferences, and the model displayed for your age may not align with your accumulation time frame, withdrawal horizon, or view of the appropriate levels of trade-off between potential return and short-term volatility.
Investing consistent with a model allocation does not protect against losses or guarantee future results.
Please be sure to take other assets, income, and investments into consideration when reviewing results that do not incorporate that information.
Other educational tools or advice services may use different assumptions and methods and may yield different outcomes.

19. For slide variations, see the Plan Features presentation.
Under specific circumstances, you have access to your vested account balance
Withdrawals
Loans
Beneficiaries
[Plan specific slide – Participant money in]
Rep Talking Points:
Review plan specific eligibility requirements
Review plan specific participant contribution limits
Review IRS contribution limits for applicable year
MUST be clear that participant can contribute up to the LESSER of the plan percentage limit or the IRS contribution limit
NOTE: Gears in bottom right hand corner link to auto-enroll slides, if applicable

20. For slide variations, see the Plan Features presentation.
You have the option to borrow from your vested account balance
Withdrawals
Loans
Beneficiaries
[Plan specific slide – Participant money in]
Rep Talking Points:
Review plan specific eligibility requirements
Review plan specific participant contribution limits
Review IRS contribution limits for applicable year
MUST be clear that participant can contribute up to the LESSER of the plan percentage limit or the IRS contribution limit
NOTE: Gears in bottom right hand corner link to auto-enroll slides, if applicable

21. For slide variations, see the Plan Features presentation.
In the event of your death, your designated beneficiaries will inherityour account
Withdrawals
Loans
Beneficiaries
[Plan specific slide – Participant money in]
Rep Talking Points:
Review plan specific eligibility requirements
Review plan specific participant contribution limits
Review IRS contribution limits for applicable year
MUST be clear that participant can contribute up to the LESSER of the plan percentage limit or the IRS contribution limit
NOTE: Gears in bottom right hand corner link to auto-enroll slides, if applicable

22. MONITOR YOUR ACCOUNT ONLINE
Please add in any graphics you think are appropriate-like images of participant websites or account summaries:
Quickly view and access accounts and balances
Perform transactions
Check in on your progress toward retirement
Research investments
Log in wherever you are, whatever your device (if that is true)
[static slide – will not change]
Rep Talking Points:
Introduce the website as a resource for monitoring account and calls out key features
Tie key features back to points made in the presentation, for example:
Set-up auto-services via “transactions”
Learn more about investment options via “investments”
Highlight responsiveness of site and promotes mobile adoption
NOTE: Add additional features and benefits of website as appropriate

23. GETTING STARTED
Add screen images of enrollment/sign-up process to show how easy it is to get started.
[static slide – will not change]
Rep Talking Points:
Getting started in the plan is easy
We walk you through the process
Provide answers to common questions along the way

24. Save enough for retirement. IT’S YOUR FUTURE. we’re here to help.
Drive Home Calls to Action

25. Save enough for retirement. IT’S YOUR FUTURE. we’re here to help.
Drive Home Calls to Action: Save 15%

26. Save enough for retirement. IT’S YOUR FUTURE. We’RE HERE TO help.
Drive Home Calls to Action: Contact us for help

27. Add your logo, telephone number,
/website
[static slide – will not change]
Rep Talking Points:
Final slide – Wrap up presentation
Leave this slide up for attendees to take website and phone number down
C6Q1YA1X3
XXXXXX
4/17

28. TO PLAN SPONSORS This presentation should only be used as a visual presentation for client meetings. This program should not be altered, printed, distributed, or posted for employees to access.
TO WEB MEETING ATTENDEES This web meeting may be recorded and posted for other employees to access. For security reasons, please do not speak or any personal information during this meeting. For example, you should not give your address, Social Security number, or account information during this web meeting.

29. LINKED SLIDES
These slides remain at the back of the presentation and can be linked from within the presentation (via gears) if the rep feels it’s necessary to support their talking points

30. AUTO-ENROLL
You are enrolled automatically into your employer's plan once you're eligible.
You must give specific instructions to be excluded (opt out) during a specific grace period.
You are enrolled with a default deferral percentage and investment option.
You can change your contribution rate or investment at any time.
[Static slide]
Rep Talking Points:
Review auto-enroll details including
When
Opt out
Default investment and deferral

31. AUTO-REBALANCING
Automatically rebalances your account to your selected investment allocation strategy.
Lets you select quarterly, semiannual, or annual rebalancing.
Helps you stay in line with your risk tolerance and helps reduce long- term account volatility.
[Static slide]
Rep Talking Points:
Review features of auto-rebalance service
How to set up
Where to turn on/off
Timing
Diversification cannot assure a profit or protect against loss in a declining market.

32. AUTO-INCREASE
Automatically increases your payroll deduction each year.
Lets you choose the amount of the increase and the month you want it to occur
[Static slide]
Rep Talking Points:
Review features of auto-increase service
Verbally disclose if plan is opt out or opt in
How to set up
Where to turn on/off
Timing

33. SEE THE “PLAN FEATURES” CORE PRESENTATION FOR SLIDE VARIATIONS