Financial Health Checkup Diagnose your debt and make saving for the

Financial Health Checkup Diagnose your debt and make saving for the future easier Retirement on the Brain

Speakers First Last Name First Last Name Title, The Standard Title, The Standard Retirement on the Brain

Everyone has debt Good Debt Mortgage or rent Student loan Retirement on the Brain Bad Debt Car loan Credit card balances

Debt can easily spiral out of control and lead to a financial health crisis. Retirement on the Brain

Did You Know? The average household that’s carrying credit card debt has a balance of 15,654. Only 37% of Americans have enough savings to cover a 500 to 1,000 emergency. — NerdWallet, 2017 — Bankrate, 2016 The average student in the Class of 2016 has 37,172 in student loan debt. — Federal Reserve Bank of New York, 2016 Retirement on the Brain

Get a financial health checkup Diagnose your debt Retirement on the Brain

Debt-to-Income Ratio (DTI) Minimum monthly debt payments monthly income DTI% Retirement on the Brain

DTI Example James 40 years old Earns 48K a year Retirement on the Brain

Retirement on the Brain

Debt-to-Income Range Chart James’ Debt-to-Income Ratio Retirement on the Brain

Remedies to Lower Your Debt High Interest Regimen Small Balance Therapy Focus on high-interest debts Focus on your smallest debts Retirement on the Brain

Heal and Restore with Debt-Reduction Tools Search online for Websites Apps Software Spreadsheets Retirement on the Brain

Good Money Habits to Follow Now Whenever you can, use cash — not credit — for purchases. Set up automatic bill pay to avoid late-payment charges, which can add up. Use extra cash — like bonuses and pay raises — to reduce the principal on loans. Explore ways to lower the interest rate on your credit cards and loans. Retirement on the Brain

Saving Mileposts Retirement on the Brain

Reasons to Save Money to Live On Retirement on the Brain Money for Fun Money for Major Purchases

Join Your Company’s Retirement Plan Retirement on the Brain

Why Join Your Plan? Automatic Savings Tax Advantages Compounding Retirement on the Brain Investment Options Employer Match

Ready for Retirement Save now. It’s easy. Retirement on the Brain

Questions? Go to standard.com/retirement to enroll in your plan or increase your contribution. Retirement on the Brain

Employers and plan participants should carefully consider the investment objectives, risks, charges and expenses of the investment options offered under the retirement plan before investing. The prospectuses for the individual mutual funds in the group annuity contain this and other important information. Prospectuses may be obtained by calling 877.805.1127. Please read the prospectus carefully before investing. Investments are subject to market risk and fluctuate in value. The Standard is the marketing name for StanCorp Financial Group, Inc., and its subsidiaries. StanCorp Equities, Inc., member FINRA, wholesales a group annuity contract issued by Standard Insurance Company and a mutual fund trust platform for retirement plans. Standard Retirement Services, Inc. provides financial recordkeeping and plan administrative services. Investment advisory services are provided by StanCorp Investment Advisers, Inc., a registered investment advisor. StanCorp Equities, Inc., Standard Insurance Company, Standard Retirement Services, Inc., and StanCorp Investment Advisers, Inc., are subsidiaries of StanCorp Financial Group, Inc., and all are Oregon corporations. RP19647 3/18