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

2. 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

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

4. 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

5. Retirement income risks
Inflation
Healthcare costs I

6. Let’s review the booklet!

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

8. 1 Start saving for retirement WEB Demo Play recording
principal.com/Enroll or
or complete the enrollment form 1
WEB Demo Play recording

9. How much will you put aside today?2

10. 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

11. 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.

12. 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, $ = $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.

13. Review your investment options3

14. 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.

15. 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.

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

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

18. 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.

19. 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

20. Your Resources RBC Wealth Management
John “Buzz” Garlock, Andrew Jacobitz, and Cory Garlock
Principal Plan Access
24 hour Internet access at principal.com
Call our automated phone system, at T

21. Thank you

22. 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., , member SIPC and/or independent broker-dealers. Principal Life, and Principal Securities are members of the Principal Financial Group®, Des Moines, IA Certain investment options may not be available in all states or U.S. commonwealths. 
© 2017 Principal Financial Services, Inc.
PD641PT-51 | 05/2017 | t e5