1. Employee Financial ResourceProgram R. Xavier Mahdion Senior Financial representative

2. *This presentation is believed to provide accurate and authoritative information in regard to the subject matter covered.The accuracy of the content is not guaranteed, and it is provided with the understanding that neither Principal Life Insurance Company nor Princor Financial Services Corporation is rendering legal, accounting or tax advice.In certain cases, clients should consult their legal, accounting or tax advisors. 3. Preparefor your financial future

Are you prepared?

4. Your Employee Benefits

401(k) Plan

Defined Benefit Pension Plan

Long Term Disability

Workers Compensation

Health Insurance

Life Insurance

(customize for your client)

5. Employee Benefits are great but --

Are they adequate?

Will you stay in your current job until you retire?

Will they keep up with inflation?

Are they guaranteed?

6. Why participate in the Employee Financial Resource Program?

Everyone needs to plan for the future.

Our professional associates work with you to provide information about your current situation and ideas for future solutions.

A second opinion can be beneficial and can validate the plans you have already made.

7. Why participate in the Employee Financial Resource Program?

Financial goal-setting makes positive things happen.

Affordable options can be discussed.

You will get to know a professional who can assist you in long-term analysis or goal-setting.

No fees are charged for this service.

8. Financial Security What are the steps to financial security? 9. 10. Set and Prioritize your Financial Goals

Are you saving an adequate amount for retirement?

Is your income protected in the event of you become too sick or hurt to work?

Are you providing for your childrens education?

Have you protected your familys ability to carry on in the event of your or your spouses premature death?

11. Create an Action Plan

Prioritize your goals (you may not be able to take care of everything at once).

Examine your needs in relation to your ability to fund the solutions.

12. Implement the Plan

Begin by attacking the most important needs first.

Make a commitment to stick to your plans.

13. Monitor your Progress

Review and, if necessary, update your plans on a regular basis.

If you are incrementally addressing your goals, commit to regularly. increasing your financial commitment as your income increases.

14. Financial Strategies

Whats provided by your employer

Benefits your spouse receives

How Social Security fits

How your personal planning fits

What you need to do to complete your financial picture

15. 16. The Foundation ofFinancial Security 17. Let Us Help You Develop Your PersonalFinancial Strategy 18. Principal Life Insurance Company Des Moines, Iowa 50392-0001 http://www.principal.com Insurance issued by Principal Life Insurance Company.Securities offered through Princor Financial ServicesCorporation, 800/247 4123, member SIPC. Principal Life and Princor are members of themembers of the Principal Financial Group , Des Moines, IA 50392. #7362112005