Presentation Transcript

1. Retirement Help for LifeFinancial Engines – Helping you retire with confidence

   Michele Holton - Principal Product Marketer Jerry Bonnabeau - Senior Director, Sponsor Services August 19 & 20, 2013 Prepared exclusively for Sargent & Lundy. For overview purposes only. Financial Engines® and Retirement Help for Life® are registered trademarks or service marks of Financial Engines, Inc. All advisory and investment management services are provided solely by Financial Engines Advisors L.L.C., a federally registered investment advisor and wholly owned subsidiary of Financial Engines, Inc. Financial Engines ® Income+ is a feature of Professional Management intended to provide income payouts from a 401(k).  Patent pending. Financial Engines does not guarantee results and past performance is no guarantee of future results. Information provided for evaluation and informational purposes only, and does not constitute and should not be construed as legal or tax advice. Before using these services, visit www.financialengines.com/forKraft for additional information, including the Professional Management program Terms and Conditions with program fees, additional information about Financial Engines and Financial Engines’ Privacy Policy. Call 1-800 601-5957 to receive printed copies of this information.
2. Topics we’ll cover About Financial Engines Objective, independent advisor Offering retirement help through the Sargent & Lundy Savings Investment Plan About the current services you can choose among Online Advice Professional Management About the Income+ feature of Professional Management Helping you make the transition to retirement with confidence How the new feature works
3. Cofounded by Bill Sharpe, Nobel Prize– winning economist More than 15 years of trusted advice and professional management Help available to 8.5 million participants1 Large plan expertise with 142 Fortune 500 companies2 Independent investment advisor No commissions No investment product sales About Financial Engines 1,2 Financial Engines Data Warehouse as of 03/31/2013

4. Retirement Help for Life®

5. Personal Retirement Plan Savings We can point out your savings opportunities. Investing We can help you diversify and manage risk-appropriate portfolios. Retirement Income We can give you a good idea of what you could expect.
6. Everyone gets a comprehensive Retirement Evaluation* It’s a wake up call It’s a savings, investing, and retirement income evaluation It’s personalized It’s the first step to getting on track Know where you stand *May exclude "insiders" under applicable regulations and non-U.S. participants.
7. Choice of services Online Advice You do the work Build a Retirement Plan Stay on track Get ready for retirement Professional Management We do the work We do the work Need help? Pick the help that is right for you. Receive a Retirement Plan Stay on track Get ready for retirement
8. Personalized Retirement Plan, complete with an investment, savings and retirement income plan Easy to use forecasting tools to help prepare for your future Expert recommendations to help reach your goals Progress reports to keep you informed Call Center support if you have questions Online Advice: do-it-yourself investor
9. A personalized Retirement Plan, complete with an investment, savings, and retirement income plan Access to an investment advisor representative Ongoing management, where we: Create a personalized plan for you Keep you on track Help you transition to retirement A fee for Professional Management Low rate negotiated by your employer Based on your account balance Charged quarterly and deducted from your account There is no minimum balance required You can cancel anytime with no penalty or fees Professional Management: Hands-off investor

10. Income+

11. Introducing Income+ 1 1 Lifetime income guarantee requires out-of-plan annuity purchase. Issuer minimum requirements may apply.
12. Shifting with confidence As people near retirement, their investing needs and risk tolerance changes Many find themselves retiring unexpectedly1 Investing objective shifts from asset growth to income readiness 1 EBRI, The Retirement Confidence Survey, March 2012.
13. Provides steady payouts for life 1 1 Lifetime income guarantee requires out-of-plan annuity purchase. Issuer minimum requirements may apply. For illustrative purposes only.
14. The retirement income planning experience 60 65 65+ 70+ 50s 401(k) portfolio managed to… Provide steady income payouts that: Are flexible:stop, restart, or take lump sum Transition to income objective at age 60 Achieve growth objective up to age 60 Can last for life:with out-of-plan annuity 1 Financial Engines does not sell or receive commissions on sales of any security or insurance product.
15. “When can I retire?” Includes all sources of retirement income Income at different retirement ages Options for producing income Transition to income glidepath begins Advisors discuss retirement income plan
16. “What if I start my payouts today?” Easy access to payout quotes through an Advisor & website Advisors discuss income needs & when to start payouts
17. We help your money last a lifetime When you’re ready, we can work with you to start receiving payouts We’ve already discussed how much you’re forecasted to receive No surprises, provides reliable income Your money stays in your Savings Investment Plan Financial Engines orders your payouts, transferred to the bank account you specify You have flexibility and control At any time, you can skip a payout, stop payouts, If you need an additional withdrawals, contact Fidelity Then we recalculate your income, so you know what to expect for future payouts Later on, you can move your money out of the plan to an annuity We help you receive steady payouts until age 85 For payments after your 80s, an annuity can make sense Cost-effective protection against outliving your savings We don’t sell annuities, but we can help you with the decision
18. Currently a Professional Management member More than 5 years from your planned retirement age? No change to your investment strategy As always, you can call us to discuss your profile and your strategy Within 5 years of your planned retirement age? You’ll receive a personalized letter from Financial Engines Your investment strategy will change, to balance growth and safety Unless you have personalized your risk level maximum. In this case, speak to an Investment Advisor Representative You can elect to continue with your existing strategy by speaking to an Investment Advisor Representative You can schedule a Retirement Checkup with an Investment Advisor Representative When you’re ready, you can start to discuss options for payouts
19. Not currently a Professional Management member Continue to save and invest on your own Log in to your account and get help from Online Advice Click the Financial Engines link from your plan’s Web site Not available: Income+ transition advice or spending suggestions Choose Professional Management to get your retirement account on track – and help keep it there The Financial Engines team will send your new investment strategy and begin putting it into action Whenever you’re ready to discuss your transition to retirement, we’re here to help!
20. Summary Financial Engines provides retirement help for everyone You have a choice of services Online Advice Professional Management Income+ is a feature of Professional Management No additional cost Prepares account to provide for retirement income Generates steady 401(k) payouts that can last for life1 1 Requires purchase of an out-of-plan annuity. Issuer minimum purchase requirements may apply.
21. Contact us Call an Investment Advisor Representative Call Fidelity Investments, at 1-877-401-5762 and ask to be transferred to a Financial Engines representative. Business days from 9 a.m. to 9 p.m. ET Visit Financial Engines Online Log in to your retirement account and click the Financial Engines links