1. Workplace Financial Wellness
Take control of your finances
Month Day, Year
Presenter 1 name
Presenter 2 name (or delete)
Title(s), designations
Title(s), designations
Welcome and thanks for attending today’s presentation.
Introduce yourself — provide brief intro on background and experience.
Recognize employer for “sponsoring” this benefit.

2. [Leave on screen long enough for people to read.]
Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa
Insurance issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co. Securities offered through Principal Securities, Inc., , Member SIPC, and/or independent broker/dealers. Principal National, Principal Life and Principal Securities are members of the Principal Financial Group®, Des Moines, IA
No part of this presentation may be reproduced or used in any form or by any means, electronic or mechanical, including photocopying or recording, or by any information storage and retrieval system, without prior written permission from the Principal Financial Group®.
Principal, Principal and symbol design and Principal Financial Group are trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group.
***PRINCIPAL ADVISOR NETWORK VERSION DISCLOSURES – IF USING THIS, DELETE FOLLOWING SLIDE OF BGA DISCLOSURES
We are not attorneys nor practicing CPAs, and we encourage you to consult your legal and accounting professionals to determine whether any of the ideas presented here would be suitable for your company.
[Leave on screen long enough for people to read.]
BB | 09/2017 | t e6 | © 2017 Principal Financial Services, Inc.

3. [Leave on screen long enough for people to read.]
Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa
Insurance issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co. Securities offered through Principal Securities, Inc., , Member SIPC, and/or independent broker/dealers. Principal National, Principal Life and Principal Securities are members of the Principal Financial Group®, Des Moines, IA <BGA Name> is not an affiliate of any member company of the Principal Financial Group®.
No part of this presentation may be reproduced or used in any form or by any means, electronic or mechanical, including photocopying or recording, or by any information storage and retrieval system, without prior written permission from the Principal Financial Group®.
Principal, Principal and symbol design and Principal Financial Group are trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group.
***BGA VERSION DISCLOSURES – IF USING THIS, DELETE PREVIOUS SLIDE OF PRINCIPAL ADVISOR NETWORK DISCLOSURES . ALSO, ADD YOUR BGA NAME WHERE YOU SEE THE RED TEXT .
We are not attorneys nor practicing CPAs, and we encourage you to consult your legal and accounting professionals to determine whether any of the ideas presented here would be suitable for your company.
[Leave on screen long enough for people to read.]
BB | 09/2017 | t e6 | © 2017 Principal Financial Services, Inc.

4. Workplace Financial Wellness
What is it?
Workplace Financial Wellness is a free program designed to help you meet your financial goals.
If you have concerns about your finances, don’t feel bad. So do most people. And if you don’t fully understand or maximize your employer-provided benefits, that’s normal, too. That’s why I’m here. Workplace Financial Wellness is a free program designed to help you reach your financial goals.

5. What are the benefits? The program helps you:
Workplace Financial Wellness
What are the benefits?
The program helps you:
Get assistance with reviewing and setting financial goals.
Gain a better understanding of your employer-provided benefits.
Learn how to better maximize your benefits and see how they coordinate with what you may have outside of work.
Discover affordable solutions that can help you meet your financial needs.
Receive a second opinion to help validate the plans you may already have.
Now let’s get a little more specific about the various benefits of Workplace Financial Wellness. It can help you:
[Read bullets]

6. Do you know the value of your company-provided benefits?
Workplace Financial Wellness
Do you know the value of your company-provided benefits?
401(k) plan
Defined benefit pension plan
Short-term and long-term disability insurance
Workers’ compensation
Health insurance
Life insurance
Paid vacations
Dental and vision insurance
Let’s take a minute to think about why we work. Two of the biggest reasons are:
The income it provides.
The benefits offered by our employer, which we might not otherwise be able to afford. Here at <company name>, you enjoy a wealth of employee benefits. Among these are <get list from HR department, update bullets on the slide and provide a brief description of each>.
Employee benefits are really a hidden paycheck. While you may not see the value reflected on your pay stub, it may be a significant percentage of your employer’s payroll costs.

7. Employee benefit questions to consider
Workplace Financial Wellness
Employee benefit questions to consider
Are you making the most of your benefits?
Do they meet all of your current needs?
Will you stay in your job until you retire?
What happens to your benefits when you retire?
Which benefits need to be portable?
Will they keep up with inflation?
Are they guaranteed?
We all know employee benefits are great, but a lot of us have some uncertainty about them and how they work. Here are some key questions you should be asking:
[Read bullets]
The good news: We can help you find answers to these questions.

8. Build a solid financial foundation
Workplace Financial Wellness
Build a solid financial foundation
Next, let’s discuss some of the components of a solid financial foundation. There are a number of different steps you should consider ― some defensive, some offensive ― to set yourself up for financial success.
[Review pyramid, starting at the bottom and working up]

9. Are you saving enough? Workplace Financial Wellness
Many of the offensive strategies we covered on the previous slide involve building your personal savings. As you can see, personal savings rates have gotten very low over time, according to the Bureau of Economic Analysis.

10. Stay on track for retirement
Workplace Financial Wellness
Stay on track for retirement
Go to principal.com/yourfuture to help calculate how much you’ll have in retirement ― and how much you’ll need.
One of the primary reasons we save to help ensure we’re prepared for retirement, right? Fortunately, there are tools out there that make it easier than ever to see if you’re on track for a secure retirement. Try our calculator at principal.com/yourfuture to see how much estimated income you’ll have in retirement ― and how much you’ll need.

11. Have questions about your personal financial situation?
Workplace Financial Wellness
Have questions about your personal financial situation?
One-on-one meetings offer your choice of two services:
For your business
Secure your retirement
Financial needs analysis
Risk protection review
So far, I’ve given a broad overview of some things you can do to help improve your financial situation. But as part of Workplace Financial Wellness, we can also meet with you individually to provide personalized assistance with your needs, including:
A comprehensive financial needs analysis.
A review focused on ways to help ensure your loved ones will have financial protection in the event something happens to you, some of which we covered when discussing how to build a solid financial foundation.

12. Financial needs analysis
Workplace Financial Wellness
Financial needs analysis
We’ll walk you through:
Employer-provided benefits
Government benefits
Integration of personal plans and employee benefits
Strategies for meeting financial goals
In a financial needs analysis, we’ll take an in-depth look at where you are financially, where you want to go and how to get there. Among the things we’ll cover are:
Your employer-provided benefits.
How Social Security and other government benefits may fit into your plans.
How your personal plans and employee benefits can integrate.
Strategies for meeting your financial goals.

13. Risk protection review: life insurance
Workplace Financial Wellness
Risk protection review: life insurance
41%
of Americans don’t own life insurance1
20%
of life insurance owners in the U.S. say they don’t have enough coverage1
In your risk protection review, we’ll talk about why protecting against the unexpected is key to a sound financial strategy. How can you get this protection? One of the most important ways is through life insurance. As you probably know, life insurance provides a death benefit that can help provide for your family financially if you pass on.
Unfortunately, a large percentage of people are either uninsured or underinsured.
[Read stats]
We can help you determine the right coverage for your needs.
1 The Insurance Barometer Study, LIMRA/Life Happens, 2017.

14. Risk protection review: disability insurance
Workplace Financial Wellness
Risk protection review: disability insurance
80%
of Americans don’t own disability insurance1
1 in 4
people entering the workplace today will become disabled before they retire2
An even larger percentage of people don’t have any disability insurance, as you can see.
Disability coverage provides you with monthly benefits to help pay for everyday living expenses if you become too sick or hurt to work. That’s really important, since 1 in 4 people entering the workplace today will become disabled before they retire.
Again, we’re here to help you take steps to ensure your income and family are protected if life throws a curveball your way.
1 The Insurance Barometer Study, LIMRA/Life Happens, 2017.
2 Social Security Administration, Fact Sheet, June 2016.

15. Next steps Workplace Financial Wellness
Complete the Workplace Financial Wellness questionnaire.
Start making real financial progress.
That about wraps things up. Next steps? Complete this questionnaire <pass out the Workplace Financial Wellness Questionnaire (BB9488)> and indicate if you have questions or you’d like to schedule an individual meeting. Then you can begin your journey to financial wellness.

16. Questions?
[Optional: If time allows, you can offer Q&A at the end of the session. ]
Are there any questions I can address for you before we go?

17. Thank you Get in touch with any questions Presenter 1 name
Presenter 2 name (or delete)
Phone Website
Phone Website
Thank you again for attending today’s session.
BB | 09/2017 | t e6 | © 2017 Principal Financial Services, Inc.