Gen X vs. Gen Y: 
 Understanding differences to improve employee communications Learn how to better engage and communicate with different generational groups of employees to improve financial wellness. 

Engage. Measure. Improve. www.RetiremapHQ.com The next 30 minutes Agenda ✓ Who are we talking about? ✓ Differences: Goals ✓ Differences: Investing ✓ Differences: Debt ✓ Differences: Actions ✓ Strategies to Engage Participants ✓ Questions 

Engage. Measure. Improve. www.RetiremapHQ.com Who are we talking about? Gen X + Gen Y Gen X: • Ages: 38-49 ! ! ! ! Gen Y: • Ages: 18-37 ! ! Sharalyn Hartwell, MAGID, P&I West Coast Defined Contribution Conference, October 2013 

Engage. Measure. Improve. www.RetiremapHQ.com Who are we talking about? Gen X Distinctions Personality Traits: ✓ Cynical ✓ Entrepreneurial ✓ Realists ✓ Guarded ! Communication Keys: ✓ Prove value ✓ Transparency ✓ Scenario planning ! Sharalyn Hartwell, MAGID, P&I West Coast Defined Contribution Conference, October 2013 

Engage. Measure. Improve. www.RetiremapHQ.com Who are we talking about? Gen Y Distinctions Personality Traits: ✓ Confident ✓ Smart ✓ Optimistic ✓ Collaborative ! Communication Keys: ✓ Customization ✓ Authenticity ✓ Multiple resources ! Sharalyn Hartwell, MAGID, P&I West Coast Defined Contribution Conference, October 2013 

Engage. Measure. Improve. www.RetiremapHQ.com What’s unique about Gen X and Gen Y Key Differences 

Engage. Measure. Improve. www.RetiremapHQ.com How to the “Gens” differ? Top 5 Financial Goals Gen X: Gen Y: 59% 59% 44% 41% 41% 40% 39% 31% 29% 26% 

Engage. Measure. Improve. www.RetiremapHQ.com Another difference Gen Y Has More Goals 0 1 2 3 4 5 Numer of Goals (average) Gen X Gen Y Employees can select up to five financial goals 

Engage. Measure. Improve. www.RetiremapHQ.com Investing Gen Y Is More Conservative 39% 11% 25% 22% 3% All Stocks (3%) Mostly Stocks (22%) Half Stocks (25%) Bonds and Cash (11%) All Cash (39%) 45% 12% 30% 11% 3% All Stocks (3%) Mostly Stocks (11%) Half Stocks (30%) Bonds and Cash (12%) All Cash (45%) Gen X: Gen Y: 

Engage. Measure. Improve. www.RetiremapHQ.com Gen X Saving and Investing Gen X are not necessarily “all cash” for lack of savings. ! Gen X: ✓ 39% have no savings ✓ Of those with savings and “all cash”: ✓ Average savings: $130,970 ✓ Median savings: $50,000 ✓ Only 6% unable to save on a monthly basis ✓ Average monthly savings: $745 ✓ Median monthly savings: $400 ✓ 72% own a home 

Engage. Measure. Improve. www.RetiremapHQ.com Gen Y Saving and Investing Gen Y are similar to Gen X, but with less saved. ! Gen Y: ✓ 38% have no savings ✓ Of those with savings and “all cash”: ✓ Average savings: $25,935 ✓ Median savings: $8,000 ✓ Only 6% unable to save on a monthly basis ✓ Average monthly savings: $690 ✓ Median monthly savings: $400 ✓ 36% own a home 

Engage. Measure. Improve. www.RetiremapHQ.com Generational debt More of Gen Y Saddled with Debt Gen X: Gen Y: 29% 25% 25% 37% 42% 31% Average Debt: $62,690 Average Debt: $40,135 

Engage. Measure. Improve. www.RetiremapHQ.com Retirement readiness scores Gen X More Prepared for Retirement Gen X: Gen Y: 0% 25% 50% 75% 100% Employee Retirement Readiness Average (60.0%) Median (43.5%) 0% 25% 50% 75% 100% Employee Retirement Readiness Average (50.6%) Median (36.5%) 

Engage. Measure. Improve. www.RetiremapHQ.com Taking action Gen X More Inclined to Act Gen X: Gen Y: 28% 33% Average Deferral Increase: 5.7% of pay + Decide to Save More Request to Meet an Advisor 26% 21% Average Deferral Increase: 5.6% of pay + Decide to Save More Request to Meet an Advisor 

Engage. Measure. Improve. www.RetiremapHQ.com Make it a year of engagement! Engage Employees 

Engage. Measure. Improve. www.RetiremapHQ.com Engagement to improve Participant Outcomes Financial
 Wellness Retirement Readiness Save Money, Boost Profits Satisfaction
 with Benefits 

Engage. Measure. Improve. www.RetiremapHQ.com Engagement to improve Designing a Successful Program Holistic Pro-actively
 Delivered Measurable Advisor- centric Return on
 Investment Data-driven
 + Relevant 

Engage. Measure. Improve. www.RetiremapHQ.com Make education more relevant with data provided by employees Personalize Education 

Engage. Measure. Improve. www.RetiremapHQ.com Deliver accountability and ensure follow through with advisors Leverage Data + Advisors Gen Y $131,000 household income $35,000 in savings Save $900/month Invested in “All cash” Student loan + car loan 
 = $46,000 in debt Access + Track More productive interactions 

Plan Act Grow Webinars FPA® emails Micro-site One-On-Ones Save/Enroll iWorkshops + Email The Retiremap Program A Holistic, Comprehensive Solution Engage. Improve. Measure. 

Engage. Measure. Improve. www.RetiremapHQ.com Engage employees with relevant messaging Promote the New Benefit Know If You’re On Track to reach your financial goals? Sign Up > LoyolaHSplans.com The financial wellness iWorkshops are a fun new employee benefit for EVERYONE. Space is limited, since everyone gets to use an iPad to set their goals. Wednesday, November 20th at 1:30pm Friday, November 22nd at 1:00pm Learn More and Reserve Your Place Today! Attend a 30-Minute Plan for Your Future iWorkshop to Reach Your Financial Goals Attend and enter to Win an iPad Mini! Look Like Your Plan for Retirement? You can do better! Attend a 30-Minute Plan for Your Future iWorkshop to Reach Your Financial Goals The financial wellness iWorkshops are a fun new employee benefit for EVERYONE. Space is limited, since everyone gets to use an iPad to set their goals. Wednesday, November 20th at 1:30pm Friday, November 22nd at 1:00pm Learn More and Reserve Your Place Today! Sign Up > LoyolaHSplans.com Attend and enter to Win an iPad Mini! 

Engage. Measure. Improve. www.RetiremapHQ.com In less than 5 minutes… Retiremap’s Process Goal Setting 
 Process Starter
 Roadmap Online
 Dashboard 

A Short Video Overview Engage with iPads 

A personalized employee plan The Starter Roadmap Engage. Improve. Measure. 

Engage. Measure. Improve. www.RetiremapHQ.com Providing targeted content based on financial goals Customized Dashboard 

Engage. Measure. Improve. www.RetiremapHQ.com Engagement + User data = Improved outcomes Success Metrics Engage 56% 
 of employees sign up in the first month. Improve 53% 
 of iWorkshop attendees decide to double their deferral rate. + Measure 59% 
 of Gen Y employees select the goal “Buy a Home.” 

Engage. Measure. Improve. www.RetiremapHQ.com Mobile leads a multi-channel program Engagement Template ! ! ! ! ! Retiremap’s Easy To Implement Program Retiremap makes it easy to implement an award-winning education program. The timeline below shows implementation activities, which repeat every 12 months to track employees toward a secure retirement and improve financial wellness. ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! 
 Key Benefits For Plan Sponsors Retiremap’s plan education program has the following benefits for plan sponsors: ✓ Reduces fiduciary risk ✓ Improves employees’ financial wellbeing 3 months 6 months 9 months 12 months 1:1 with employees iPad Workshops Performance Report Custom collateral Employee invitations Educational webinars Monthly emails 

Engage. Measure. Improve. www.RetiremapHQ.com Retiremap receiving recognition by industry organizations Recent Accomplishments 1st Place! 

Engage. Measure. Improve. www.RetiremapHQ.com In the next two months Upcoming Webinars www.RetiremapHQ.com/webinars Financial Wellness: Calculate the ROI ! Understand the bottom-line rationale for implementing a financial wellness program. ! ! April 24 @ 11am PT 

Engage. Measure. Improve. www.RetiremapHQ.com Ask away! Questions?