1. Important information for financial professionals
By using this communication you agree to the following: This communication is provided to you by Principal Life Insurance Company SOLELY for use by you with clients that utilize the services of the member companies of the Principal Financial Group® as their retirement plan service provider (Permitted Use). In doing so, Principal® is not responsible for any use outside of the Permitted Use. In granting you Permitted Use, no member company is surrendering any right, title or interest in the communication including any intangible ownership such as copyright or trademark protection. Principal does not authorize you to create any derivative work, edit, copy or otherwise alter the communication including but not limited to affixing any branding or creating any “co-branded communication.”
It should be noted that removing this license is expected and permitted when the communication is utilized within its Permitted Use. In granting Permitted Use, no member company or Principal® make any warranty of fitness for your intended use. Please consult your legal and compliance areas to confirm that your intended use of this resource is appropriate and that it contains all appropriate information and disclosures, names the correct parties, and provides the appropriate limitations for your business. It is your responsibility to determine if filing with any regulatory authority is necessary (e.g. FINRA, or other regulations) and that it is appropriate for the intended use and audience.

2. You’ve earned it Financial wellness awards
Hello, everyone! Thank you for taking a few minutes to join me today. And thank you <<COMPANY NAME>> for inviting me. I’m <<NAME>> from <<COMPANY NAME>>.
Today we’re going to talk about financial wellness and I’ll share a few steps that could help you work toward a more secure financial future.
But first, by show of hands, how many of you have to-do lists? Either at home or at the office — or maybe both. Good. Now, how many of you feel really good when you check something off that list? Right? It feels good to get stuff done. Maybe you even treat yourself when you’ve accomplished a task.
That’s what “you’ve earned it — financial wellness awards” is all about. Today you’ll learn about simple tasks you can accomplish to earn digital awards as you save for your retirement and improve your overall financial wellness. It’s easy. And it can even be fun as you collect awards throughout the year.
Let’s get started.

3. Sign in to the meeting now:
You’ve earned it
Financial wellness awards
Hello, everyone! Thank you for taking a few minutes to join me today. And thank you <<COMPANY NAME>> for inviting me. I’m <<NAME>> from <<COMPANY NAME>>.
Today we’re going to talk about financial wellness and I’ll share a few steps that could help you work toward a more secure financial future.
But first, by show of hands, how many of you have to-do lists? Either at home or at the office — or maybe both. Good. Now, how many of you feel really good when you check something off that list? Right? It feels good to get stuff done. Maybe you even treat yourself when you’ve accomplished a task.
That’s what “you’ve earned it — financial wellness awards” is all about. Today you’ll learn about simple tasks you can accomplish to earn digital awards as you save for your retirement and improve your overall financial wellness. It’s easy. And it can even be fun as you collect awards throughout the year.
Let’s get started by signing in to the meeting.
Sign in to the meeting now:
principal.com/ImHere

4. Sign in to the meeting now:
444 .
Information from you
Name:
First Name
Last Name
Plan #:
[Insert Contract #]
Who’s leading
your meeting?
[Insert RES Name]
Do you need help with a prior plan?
401(k) from a past employer?
If yes, you can call
[Note to speaker: Add contract number and RES presenter for each meeting; let participants know if they indicate that they have other savings or income accounts from a previous employer. If they want to explore their rollover options, the can call
Sign in to the meeting now:
principal.com/ImHere 4

5. You’ve earned it Complete tasks Collect awards
Financial Wellness Awards
Complete tasks
Collect awards
Continue working toward a more secure retirement
You’ve earned it — financial wellness awards is a fun way to work toward a more secure financial future by completing small steps throughout the year and earning digital badges for your achievements. And it works no matter where you are on your journey because it’s tailored to you and your tasks.
Whether it’s updating your preferences, identifying potential gaps in savings, learning about investment options or more.
Simply complete tasks, collect awards and continue to improve your financial wellness.
Sounds interesting, right? Here’s how it works. 5

6. My Badges
When you log in to your account at principal.com/YouEarnedIt, you’ll see a page that says “My Badges.” This page is tailored to you and shows which steps you’ve already taken and which badges you still need to earn.
You’ll notice the badges you’ve already earned are in color, while the badges that are still available for you to earn are grayed out. This makes it easy to see what’s next.
By clicking on a badge, you’ll see what you need to do to earn it. Once you’ve completed the task, you’ve earned the badge, which may lead to improved financial wellness.
Now let’s take a look at some things you can start to check off your to-do list. 6
For illustrative purposes only.

7. Check your Retirement Wellness Score
As you might imagine, saving for retirement is an important part of achieving financial wellness. One simple thing you can do to see if you’re on track to meet your retirement goals is to check your Retirement Wellness Score and use the Retirement Wellness Planner to make adjustments.
If your score is in the green, you’re doing great — keep doing what you’re doing. If your score is in the yellow, you may want to consider making some adjustments. And if your score is in the red, that means there are gaps in your savings that you should consider addressing. Use the Retirement Wellness Planner to see how increasing your contributions or adding information on another 401(k) account from a previous employer might help improve your score.
Once you’ve taken steps to increase your Retirement Wellness Score, you’ll earn the Rising Star badge. How cool is that?
Now that you know how easy it is to see your score and move to the green, make sure to check in once in a while to review inputs that make up your score to ensure that your score reflects salary increases, expected retirement dates and more.
The great news is you now have a clear picture of your retirement wellness, and you’ve earned the Score Keeper badge. Congratulations!  7
For illustrative purposes only.

8. Let us know the best way to reach you
Another to-do you can check off your list easily is updating your subscription preferences.
Once you’ve set up your account and taken some extra steps to help secure access, you can share your preferences so we know the best way to reach you with educational s and tips to help you on the way to financial wellness. Just click to add your mobile number and the task is complete.
And just like that you’ve earned the Preference Pro badge. 8
For illustrative purposes only.

9. What’s a good retirement savings goal?
You may need to save at least 10%1
With the rising costs of healthcare and housing, it’s more important than ever to prepare for retirement as part of your overall financial wellness. But how do you know how much you need to save to live the life you want?
Most studies suggest saving at least 10% of your pay, plus employer contributions, over your career to have enough income in retirement.
That’s because, on average, you’ll need to replace 70-85% of your income to maintain your current lifestyle after you retire. Of course, each person is unique so savings and post-retirement needs can be different, too. 2
So how do you start to improve your financial wellness and make sure you’re on track to meet your retirement savings goals? There’s a badge for that!
2 Aon Consulting's 2008 Replacement Ratio StudyTM Morningstar -- Estimating the True Cost of Retirement (2013)
1Based on analysis conducted by the Principal Financial Group®, October The estimate assumes a 40-year span of accumulating savings plus employer contributions and the following facts: retirement at age 65; a combined individual and plan sponsor contribution of 12 percent; Social Security providing 40 percent replacement of income; 7 percent annual rate of return; 2.5 percent annual inflation; and 3.5 percent annual wage growth over 40 years in the workforce. This estimate is based on a goal of replacing about 85 percent of salary. The assumed rate of return for the analysis is hypothetical and does not guarantee any future returns nor represent the return of any particular investment. Contributions do not take into account the impact of taxes on pre-tax distributions. Individual results will vary. Participants should regularly review their savings progress and post-retirement needs. 9

10. Set your savings to 10%
If you want to increase your deferral to 10% right now, great! Or, if you’re not comfortable with 10% now, you can increase it a little now — to say, 6%, and then increase in annually 1% each year to build toward 10%.
Keep in mind that some employers offer to match a certain percentage of your contribution. Be sure to check with your organization to see if you can take advantage of an employer match to help build your savings.
Once you’ve set your new contribution to 10% and clicked “save,” you’ve earned the Savvy Saver badge. Or, if you’ve decided to simply increase it a little today you’ve earned the Savings Star badge. Either way, you’re on your way to financial wellness. 10

11. Start a conversation with My Virtual Coach
By now you’ve probably realized there are a lot of ways to improve your financial wellness. (And you’re right!)
But there’s just one more way that I’m going to share with you today. It’s called My Virtual Coach. And it’s an series of online interactive conversations tailored for you.
Whether you’re just starting out and deciding how much to save, or you’ve been saving for awhile but wondering if you’re on track, completing a My Virtual Coach conversation can help you figure out if there are gaps in your savings, or if there are other tasks you need to check off your list to protect your financial future.
And, of course, there’s a badge for completing each My Virtual Coach Conversation, too. You complete it — you earn it. 11

12. Wellness can be within your reach.
Financial
Wellness can be within your reach.
principal.com/youearnedit
Are you ready to check some tasks off your list? Earn badges? Prepare for a more secure retirement? And take your next step toward financial wellness?
Go to principal.com/youearnedit today.
Start by setting up and securing your account access at principal.com. Next, see if you’re on track to meet your savings goals with the My Virtual Coach Checkup. Then, keep completing tasks and collecting badges! Plus, more badges will become available throughout the year, so be sure to check your “My Badges” page often. 12

13. Get connected 800.547.7754 principal.com
It’s important to be physically well and financially well. And a big part of financial wellness is preparing for retirement. We’re here to help.
Connect with us on Facebook and Twitter.
Or, if you’d rather talk to a real person, give us a call at Monday through Friday, 7am-9pm Central.
Thank you! 13

14. This document is intended to be educational in nature and is not intended to be taken as a recommendation.
The Retirement Wellness Planner information and Retirement Wellness Score are limited only to the inputs and other final assumptions and is not intended to be a financial plan or investment advice from any company of the Principal Financial Group®. They only provide guidelines which may be helpful in making personal financial decisions. Responsibility for those decisions is assumed by the participant, 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., a member of the Principal Financial Group®, Des Moines, IA
PT636C-02 | © 2018 Principal Financial Services, Inc. | | 6/2018