No-Cost-To-Employer, CSR-Supported, SaaS-Based

Retirement Assistance System for Moving Executives from Active

Status to Retiree Status

HR Specialty Products & Services Catalogue Executive SummaryA No Frills Distillation of Vendor’s Marketing Collateral

Thomas A FerencePresident & CEO

Human Resources Mining & Distribution CoLocating, Validating and Accelerating HR  Innovation

 Office: 219-662-0201Cell: 630-240-2583Fax: 219-661-0236

e-mail: tference@hrmdco.comWebsite: www.hrmdco.com

System for Helping Employees Movie from Active to Retiree Status

• Most all retirement information systems that exist today help executives save for retirement but fall short of providing information on how to actually transition into retirement

• This SaaS-Based system and service fills the gap for pre-retirement age executives, current retirees and the aging family members of all active employees

• The service is delivered via: 1) an on-line educational portal 2) a US-based executive advisor center staffed by salaried, credentialed, and licensed advisors and 3) robust insurance and investment exchanges to assist employees execute on institutional solutions

• Users are provided with information and purchasing options in 5 major areas as controlled by the employer ; retirement lifestyle planning; pre age 65 and post age 64 health insurance options; distribution rollover options / all asset investment guidance; income optimization / Social Security; and, risk management related to longevity, morbidity and mortality

• Services are provided at no cost to the employer as they are funded by fully transparent revenue share on exchanges selections

Retirement “Preparation” vs. Actual Retirement “Assistance”

What’s Out There Today

What Else Employees Heed

Employers Do Not Assist with Removing Retirement Roadblocks

• Lifestyle Budgeting /Asset Protection

• Social Security Optimization• Retiree Healthcare / Medicare

Options • Retirement Income Planning /

Guarantees • Rollover and Investing Advice /

Solutions

Employers Assist Employees with Saving for Retirement

• Auto enrollment /auto deferral increases

• Financial education / outside counseling

• Retirement / financial planning tools

• Communication Campaigns• Financial wellness fairs

System Assists with 5 Major Areas at Employer’s Option

#3. Protection

• Have participants planned for both the

expected and unexpected in retirement?

• Have they assessed and planned their

exposure to various risks in retirement?

#2 Health Care

• Have participants examined

their Medicare/health care

options and determined what is

right for them?

• Do they really understand the

costs and how to access the

best coverages?

#1 Investments

• What resources do participants have to support

their lifestyle?

• How should assets be invested to meet their

objectives?

#5 Lifestyle

• What do participants really

want to do in retirement

• How much is it going to

cost?

#4 Income

• How can participants optimize

their income and make sure it

lasts throughout their

retirement?

• Have participants optimized

their Social Security payments?

Executive Concierge Services

SaaS-Based Employee Portal

Next Steps• This product/service is contained in the HR Specialty

Products & Services Catalogue™ • Operational level details about this particular service

provider can be obtained in conference with the vendor• The HR Mining &Distribution Co. is an independent and

contracted representative of the vendor• Upon your request, we will arrange for an introduction

that can range from a simple, quick conference call to a services overview / system demo

• Tom Ference 219-662-0201 (Chicagoland area) or tference@hrmdco.com

• Thank you for your potential interest in this fresh thinking