®

retirewise®

workshop series

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financial education workshops

MetLife’s PlanSmart® also offers these

financial education resources:

Financial Education Workshops:

•Topical Workshops

•Special Needs Planning

Decision-Support Assistance:

•Transition Solutions

•Delivering The Promise®

The face of retirement is changing

Changes in the healthcare system, government sponsored programs

and employer plans are impacting the largest pre-retirement population

in history. As a result, your employees may be asking you more

questions than you can answer.

One way you can help your employees is by offering retirewise®. As the foundation of

our PlanSmart® financial education series, the retirewise workshop series offers you a

comprehensive retirement education resource that supports your strategic objectives while

providing your employees with the information they need to achieve their retirement

planning goals:

•Objectiveinformationonawiderangeofretirementissues

•Deliveredbyalocalfinancialprofessional—speciallytrainedinretirementissues

•Tiesyourexistingbenefitstoemployees’personalretirementplan

•Turnkeyimplementation—andatnocosttoyouoryouremployees

Withover140yearsofexperienceinemployeebenefits,andourexperienceinaging

through the MetLife Mature Market Institute®, we are in a strong position to educate and

assist your employees as they prepare for retirement.

Beyond the money and financials, we will:

• Help your employees

envision their retirement

years and the steps they

should take to achieve their

goals.

• Educate your employees

about the resources

availabletothem—from

savings and investments to

insurance and their own

employer benefits offerings.

• Integrate your benefits

offerings so your employees

canmaximizethevalueof

what you offer them in their

retirement plans.

Budgeting for Retirement

Create a personalized budget:

• Estimatingexpensestoday

• Usingtoday’sincomeandexpensestoestimate retirement cash flow needs

It’s a Wrap

Homework

• Completinghigh-levelworkbookexercisestosolidifyconcepts learned

What comes next?

• Review of what was covered in this session

• Overviewoftopicsdiscussedinthenextmeeting

Introductions and Program Overview

Why are we all here?

• Changes in the healthcare system, government programs and employer plans have already been impacting the largest pre-retirement population in history.

• Education is your employees’ greatest tool to help assist them in pursuing their retirement and financial goals.

• MetLifehastheexperiencetohelpyouremployeesnavigate the trends, options and resources available to them so they can feel confident about their retirement.

A comprehensive retirement education approach

• Personal retirement aspirations

• Income planning

• Financial and healthcare considerations

• Integrationwithexistingemployeebenefits

Envisioning Your Retirement (MetLife Video)

Research will address financial and retirement trends

and perspectives — today and in the future:

• Employees will define their own vision of retirement.

• This will set the stage on understanding how to create and maintain a financial strategy that will help them reach their goals.

Using Your Money More Wisely

Review the basic money principles and

their relevance in retirement:

• Paying yourself first

• Importance of creating a budget

• Power of compounding

• Considerationsfortaxdiversification

• Taxadvantagedinvesting*

− 401(k) – Traditional IRA

− 403(b) – Roth IRA

• Understanding the impact of inflation

*Note:Thissectionwillbecustomizedtodiscussonlythetype(s)ofplan(s)thattheemployeroffers.

Module 1: Building the Foundation

Learning Objective

In Module 1, employees will start to envision their retirement

and how they will finance it based on current and future

retirement trends. We will cover some financial basics and

budgeting for retirement. Employees will start to see how

what they have will contribute to the retirement they want.

Investment Pyramid

Key features and risks of each asset class:

• Cash equivalents

• Bonds

• Stocks

• Mutual funds

• Is it possible to be too conservative?

Investment Strategies for Accumulating Wealth• Understanding asset classes

• Determining your risk tolerance

• Diversification

• Asset allocation

• Portfolio rebalancing

Investment Guiding Principles• Time in the market

• Dollar cost averaging

• Fundamentals of managing risk

Understanding the Risks You Need to Manage• Inflation

• Taxes

• Market risk

• Unexpectedexpenses

Budgeting for Retirement• Estimatingexpensestoday

• Projectingexpensesinretirement

It’s a Wrap

Homework

• Completinghigh-levelworkbookexercisestosolidifyconcepts learned

What comes next?

• Review of what was covered in this session

• Overviewoftopicsdiscussedinthenextmeeting

Module 2: Creating and Protecting Wealth

Learning Objective

In Module 2, we introduce the principles of investing

and the various investment vehicles available to

employees. Employees will also understand the

general rules to building wealth and how to go

about protecting it.

Shifting Focus from Accumulation to Distribution

What are some of the risks your employee’s retirement

portfolio could be exposed to in retirement?

• Longevity risk

• Withdrawal rates

• Timing risk in the market

• Unexpectedexpenses

The Retirement Income Planning Process

What are the key elements of the retirement income

planning process?

• Look at the big picture and determine retirement goals

• Identifyexpensesinretirement

• Identify guaranteed sources of retirement income

− Social Security

− Employer-sponsored defined benefit plans

• Identify other sources of retirement income

− Employer-sponsored defined contribution plans

− Earned income

− Unearned income

− Personal savings

− Alternative sources

How do employees manage their retirement assets and help provide a lifelong income?• Matching retirement “needs” with dependable

income sources

• Matching retirement “wants” with other income sources

• Protectingagainstunplannedexpenses

It’s a Wrap

Homework

• Completinghigh-levelworkbookexercisestosolidifyconcepts learned

What Comes Next?

• Review of what was covered in this session

• Overviewoftopicsdiscussedinthenextmeeting

Module 3: Establishing Your Retirement Income Stream

Learning Objective

In Module 3, employees will learn how to structure a

retirement income stream to address their retirement

wantsandneeds.Wewillexaminetherisksthatcan

impact retirement funds and how to manage assets to

help provide lifelong income.

Your Employer’s Benefit Plans

Do your employees know what is included

in their benefits plan?

• Retirement

• Protection

• Legal services

• What happens after retirement

• What benefits continue

Protecting Against Unexpected Expenses

What do government programs provide

for retirees and what is not covered?

• Medicare basics

• Long-term care

Retirement Readiness Exercise • Understand 15 key readiness tasks for a successful retirement

• Complete worksheet

• Assess readiness and actions to take

Estate Planning Basics• Special Needs Trusts

• Wills

• Healthcareproxy

• Power of attorney

• Lifetime giving

• The basics of trusts

Conclusion

What have your employees learned?

• Put it all together

• Understand how the benefits package you offer fits into their own retirement plan

• Know how to work with what they already have in any stage of retirement planning

• Know the resources available if they are feeling overwhelmed

Learning Objective

In Module 4, we will review your employee benefits,

together with other benefits, to help clarify how they fit

into your employees’ retirement plans. We will also cover

the basics of estate planning, wills and trusts.

Module 4: Making the Most of What You Have

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New England Securities Corp. A MetLife Company (member FINRA/SIPC) 1095 Avenue of the Americas New York, NY 10036

Metropolitan Life Insurance Company New York, NY 10166

MetLife Securities, Inc. (member FINRA/SIPC) 1095 Avenue of the Americas New York, NY 10036

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Contact your MetLife representative

for more information.