1. Prudential Financial Planning Services
Planning for Success…
What your business needs What your employees want 1

2. In This Presentation… Why Financial Planning Services
Win-Win Benefit Solution
How the Program Works
The Process
A Flexible Program
Summary / Next Steps

3. All with a moderate investment of time and money?
What if you could improve your ability to Attract and Retain employees by:
Offering a new, valuable benefit
Helping them better understand existing benefits
Providing access to a knowledgeable professional who can help them achieve a variety of financial goals…
All with a moderate investment of time and money?

4. Prudential Financial Planning Services
Now You Can…
By offering your employees high quality, comprehensive, fee-based, financial planning services from a knowledgeable Prudential Financial Planner 4

5. Why Financial Planning Services?
Employees today are dealing with many different financial concerns…
How will I pay for my child’s college education?
Will I have enough to retire comfortably?
What happens if I or my spouse become disabled, have an accident or die prematurely?
How do I find an objective and trustworthy person to talk to about my financial needs and concerns?

6. With Financial Planning Services…
Why Financial Planning Services?
With Financial Planning Services…
You can give your employees a way to obtain valuable education and assistance to help them reach
their financial goals.

7. Win-Win Benefit Solution
Your Employees Will Obtain:
Greater awareness of and appreciation for existing benefits
Access to a knowledgeable financial planner
Better peace of mind with a customized plan to help achieve financial goals
Unbiased and objective advice

8. We Can Help Your Company:
Win-Win Benefit Solution
We Can Help Your Company:
Retain Quality Employees…
by increasing appreciation through offering a non-traditional benefit
Attract the Best Employees…
by cost-effectively making your benefits package more competitive
Reduce Fiduciary Risk…
by providing education to help employees achieve financial goals (fulfill ERISA 404(c) requirements)

9. Win-Win Benefit Solution
We Can Help Your Company (continued):
Increase Return on Investment in Benefits…
by giving employees a clear understanding of existing benefits
Decrease Stress in the Workplace…
improving productivity by focusing on work instead of financial concerns

10. How the Program Works
You select which employees are eligible to participate
On-site financial education workshops can be provided
Those employees who choose to obtain comprehensive fee-based financial planning services will receive professional guidance from an objective Financial Planner

11. The following will be discussed during the planning process:
How the Program Works
The following will be discussed during the planning process:
General Investment Planning
Retirement Planning
Education and Other Major Goal Planning
Estate Planning Strategies
Protection Planning
Net Worth / Cash Flow Analysis

12. The Process
When your employees meet with a Prudential Financial Planner, they’ll follow a clearly-defined process …

13. The Process Identify financial goals
What inspires and motivates the employee? What are the priorities? What does the employee value most?
Gather information to understand current financial situation
This helps the employee understand his/her current situation
Develop personalized financial plan
Whether the employee has one goal or many, the Planner will apply extensive knowledge and resources, plus the detailed information provided, to prepare a plan that is unique

14. A Flexible Program
Choose from 3 different levels of service for your employees, based upon your company’s needs…
[Xx%] group discount
You decide who receives the benefit
Provide to all employees, a small group, or employees at a specific location
Cost-sharing of fees
Company can pay for all, some or none of the financial planning fee
Fees paid by your company for financial planning services provided to employees may be tax-deductible (consult your tax advisor)
Please see Corporate Financial Planning Service Levels Handout

15. Top Reasons Why Your Company Should Offer Financial Planning
Summary
Offering financial planning has many benefits for your company and your employees:
Top Reasons Why Your Company Should Offer Financial Planning
1. Enhancing appreciation of existing benefits
2. Reducing fiduciary risk
3. Maximizing employee contribution
4. Attracting and retaining workers
5. Reducing stress and absenteeism resulting from financial problems

16. 1 2 3 Taking the Next Step Determine the level of service
Communicate program and process to employees to obtain financial planning services at a discount 2
Select the best time, date, and location for educational workshops (optional) 3

17. Prudential Financial Planning Services
Thank You! 17

18. Prudential Financial Planning Services
Investment advisory services offered through Prudential Financial Planning Services, a division of Pruco Securities, LLC.
Prudential Financial, its affiliates and representatives do not provide legal or tax advice. Consult your own tax and legal advisors regarding your particular circumstances.
Prudential , the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities. 18