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FINANCIAL GOALS

70 % of your salary while saving for goals . 80 % Many planners suggest trying to live on

ACHIEVING FINANCIAL GOALS

DEFINING A FINANCIAL GOAL What you are saving for? When do you want to buy it? How much will it cost at that time?

ACHIEVING A FINANCIAL GOAL How much to save? What account to use? Investment strategy

For retirement and college savings, a tax benefit can be received if the savings are directed to certain qualified accounts. WHICH ACCOUNTS TO USE

RETIREMENT

Retirement savings: HOW MUCH? 15% INVESTORS SHOULD GET THE FULL MATCH Consider increasing contributions by 2% gradually to build toward a 15 % target Investor's Age: Savings Benchmarks: 30 half of salary saved today 35 1x salary saved today 40 2x salary saved today 454x salary saved today506x salary saved today 558x salary saved today6010x salary saved today6512x salary saved today Assumptions: Individuals have saved (from age 25 to a retirement age of 65) 15% of their annual salary (increased by 3% each year) in a tax-deferred retirement account with a preretirement portfolio consisting of 60% stocks/30% bonds/10% short-term bonds, changing to 40% stocks/40% bonds/20% short-term bonds during retirement. Gross retirement income through age 95 is estimated to equal 75% of preretirement salary, consists of annual retirement account withdrawals of 4% plus estimated Social Security benefits (both beginning at age 65), and is increased by 3% annually for inflation. The savings benchmark analysis is based on results from the T. Rowe Price Retirement Income Calculator, which considers 1,000 market simulations and an 80% simulation success rate using hypothetical age 65 salaries of $70,000, $100,000, and $110,000. That tool’s methodology and assumptions are explained in detail at troweprice.com/ric. Users should consider their own circumstances. Results may not apply to earnings that vary substantially from modeled salaries.Please choose this slide (with company match) or the next slide (without company match).

SAVE 6% USE IF NO MATCH Retirement savings: HOW MUCH? 15% Consider increasing contributions by 2% gradually to build toward a 15% target Investor's Age: Savings Benchmarks: 30 half of salary saved today 35 1x salary saved today 40 2x salary saved today 454x salary saved today 506x salary saved today558x salary saved today6010x salary saved today6512x salary saved today Assumptions: Individuals have saved (from age 25 to a retirement age of 65) 15% of their annual salary (increased by 3% each year) in a tax-deferred retirement account with a preretirement portfolio consisting of 60% stocks/30% bonds/10% short-term bonds, changing to 40% stocks/40% bonds/20% short-term bonds during retirement. Gross retirement income through age 95 is estimated to equal 75% of preretirement salary, consists of annual retirement account withdrawals of 4% plus estimated Social Security benefits (both beginning at age 65), and is increased by 3% annually for inflation. The savings benchmark analysis is based on results from the T. Rowe Price Retirement Income Calculator, which considers 1,000 market simulations and an 80% simulation success rate using hypothetical age 65 salaries of $70,000, $100,000, and $110,000. That tool’s methodology and assumptions are explained in detail at troweprice.com/ric. Users should consider their own circumstances. Results may not apply to earnings that vary substantially from modeled salaries.Investors should strive to AT LEASTPlease choose this slide (without company match) or the previous slide (with company match).

ASSET ALLOCATION Goal : Provide an appropriate balance between short-term market volatility risk and inflation risk for a particular time horizon.

RETIREMENT SAVINGS ALLOCATIONS The allocations above are based on age or time horizon and do not take risk tolerance into account . Years after Goal Reached Years before Goal Reached 60% 40% 40% 20% 30% 10% 100% 80% 20% 50% 30% 20% SHORT TERM100% Money Market Securities, Certificates of Deposit, Bank Accounts, and/or Short-Term Bonds 70% Investment-Grade Bond20% International Bond 10% High Yield BondBONDS 55% Large-Cap Stock 15% Mid-/Small-Cap Stock 30% International StockSTOCKSGOAL252015105510 152025

ASSET ALLOCATION ASSUMPTIONS The asset allocation models are designed to meet the needs of a hypothetical investor with an assumed age 65 retirement 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 reflects our 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, the tool provides hypothetical models 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 in reviewing results that do not incorporate that information. Other educational tools may use different assumptions and methods and may yield different outcomes.

IMPLEMENTATION AGE-BASED INVESTMENTS Build-your-own portfolio

EMERGENCY RESERVES

EMERGENCY RESERVES 3 to 6 MONTHS OF EXPENSES 20%OF INCOME Adequate savings can prevent the need to use credit cards or raid retirement accounts. Build over time Set aside

EMERGENCY RESERVES Adequate savings can prevent the need to use credit cards or raid retirement accounts. Build over time Set aside 1 to 2 YEARS

COLLEGE SAVINGS

COLLEGE SAVINGS Continue saving toward retirement Consider reducing retirement contributions ONLY if you have a well-funded retirement account Save for a down payment

COLLEGE SAVINGS 16 2% 4% 5% 6% 7% 8% 10% 11% 12% 13% 15% 15 4 % 5 % 7 % 9% 11%12%14%16%18%20%21%14 5%7%9%12%14%16%19%21%23% 25 %28%136%8% 11%14%17%20%23%25% 28%31%34%127%10%13% 17% 20% 23%27%30%33%36% 40% 118%11%15%19%23%26%30%34% 38%42% 45%108%13%17%21%25%30% 34%38%42%47%51%99%14%19%23% 28% 33%37%42%47% 51%56%810%15%20%25% 30%35%40%46%51%56% 61% 711%16%22%27%33% 38% 44%49%54%60%65% 612%17%23% 29%35% 41%47% 52% 58%64%70%512% 19%25%31% 37%43% 49% 56%62% 68%74% 413%20%26%33%39%46%52%59% 65% 72% 78%314%21%27%34%41%48%55% 62%68% 75%82% 214%21% 29% 36%43%50%57%64%71%79%86%115%22% 30%37%45%52%60%67%74%82%89% 0 15%23%31%39%46%54%62%70%77%85% 93%$100 $150$200 $250 $300$350$400$450 $500$550$600 “Down payment” or about ½ of savings needed to cover the total cost Monthly Savings Amount Child’s Age % of total net costs covered for an average four-year , in-state public university This study is for illustrative purposes only and does not represent the return earned by any single investment option. It assumes an investment return of 6% annually, net of fees. But investment returns will vary and could be higher or lower than in this example. The future cost of college was calculated based on the 2016 total cost for one year of an average four-year, in-state public university education ($21,753) for a family in the third income quartile (annual household income of $65,000 to $108,000 in 2012) after the average amount of grants and scholarships for this group was subtracted. The cost was then inflated by 5.5% annually for 18 years.Sources: For the average college cost, U.S. Department of Education, National Center for Education Statistics, and 2015–2016 National Postsecondary Student Aid Study; and for the college cost inflation rate, the College Board.

Please note that the availability of tax or other benefits may be conditioned on meeting certain requirements such as residency, purpose for or timing of distributions, or other factors as applicable . REGULAR VS TAX-ADVANTAGED ACCOUNTS Regular Savings Account Contribute money to the accountInvest in something Likely pay taxes on any earnings along the wayPay taxes on the rest of any earnings when you withdrawYou get to spend what’s left over after paying taxes Tax-Advantaged AccountContribute money to a 529 Invest in something Pay no taxes on any earnings when you withdraw (if you spend the money on qualified educational expenses) You get to spend the entire balance since you pay no taxes on any earningsMany states offer tax benefits for contributions to a 529 plan. That’s just another added bonus.

COLLEGE SAVINGS ALLOCATIONS 20% 50% 30% 40% 40% 20% 100% 80% 20% 60% 30% 10% STOCKS BONDS SHORT TERM This chart is age-based only and does not take into account personal risk tolerance. Years after Goal ReachedYears before Goal ReachedGOAL2520 15105510152025

SPECIFIC PURCHASE

STOCKS BONDS SHORT TERM SPECIFIC PURCHASE ALLOCATIONS 100% 20% 50% 30% 100% 80% 20% 60% 30% 10% Years after GOAL REACHED Years before GOAL REACHED 252015105GOAL5101520 25The allocations above are based on time horizon and do not take risk tolerance into account.

MANAGING DEBT

MANAGING DEBT Target debt Target high-interest debt (credit cards) and accelerate payments Set a timetable If debt payments are prohibiting your ability to save for retirement: Continue payments

MANAGING DEBT Target high interest debt (credit cards) and accelerate payments Set a timetable (for example, one to three years) If debt payments are prohibiting your ability to save for retirement: Target debt Continue payments Set a timetable

MANAGING DEBT Behavioral approach Tackle lowest balances first and accelerate payments Economic approach Target highest-interest cards first and accelerate payments Once a card is paid off, reallocate payments to the next card you plan to tackle $2,500 $1,000 $500 $200 29% 16% 14% 11%

MANAGING DEBT Once debt is eliminated, consider increasing retirement contributions toward a goal of 15% Target high interest debt (credit cards) and accelerate payments Set a timetable (for example, one to three years) Continue making regular payments on other kinds of debt, such as student loans and mortgages If debt payments are prohibiting your ability to save for retirement: Target debt Continue payments Set a timetable

COMPETING PRIORITIES

COMPETING PRIORITIES: CONSIDERATIONS Consider reducing retirement savings to the minimum Build emergency reserve over one to two  years Consider increasing retirement savings back toward 15% Consider reducing retirement savings to the minimum First build emergency reserve over one to two years Then pay down credit card debt within three yearsConsider increasing retirement savings back toward 15% Consider reducing retirement savings to the minimum Pay down credit card debt within three  yearsConsider increasing retirement savings back toward 15%Confirm that you are on track for retirementIf close to recommended benchmarks, consider reducing retirement savingsContribute toward college down payment Retirement vs. Emergency ReserveRetirement vs. DebtEmergency Reserve vs. Debt Retirement vs. College SavingsIF POSSIBLE, KEEP SAVING FOR RETIREMENT!

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 balancesPerform transactions Check in on your progress toward retirement Research investments Log in wherever you are, whatever your device (if that is true)

GETTING STARTED Add screen images of enrollment/sign-up process to show how easy it is to get started.

IT’S YOUR FUTURE Save enough for retirement. we’re here to help.

IT’S YOUR FUTURE. Save enough for retirement we’re here to help.

IT’S YOUR FUTURE. Save enough for retirement. We’RE HERE TO help

CYLW0D36W 2/18 201802-232523 Add your logo, telephone number, email/website

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