PRUDENTIAL PATHWAYSSM
A FINANCIAL WELLNESS SERIES
Many employers offer coverage and peace of mind for their employees’ health,
risk of disability, and financial futures. Yet life’s unexpected events — or insufficient
planning to deal with the unexpected — can jeopardize the financial security of
your employees and their loved ones.
58% of U.S. employees
say they need guidance to help
manage their financial life.1
81% of employers feel
at least somewhat responsible
for their employees’ financial
wellness.1
76% of employers feel
that financial wellness leads
to more satisfied employees.1
About half of all households
have savings of less than
$10,000.
Prudential Introduces an Educational Series
Focused on Your Employees’ Financial Wellness
Like most Americans, your employees may understand basic coverage and investment
concepts, but may lack the tools and the confidence to choose the right path to reach
their individual goals. Employees are looking for guidance navigating the financial planning
process — which most categorize as “overwhelming.”
The Prudential Insurance Company of America (Prudential) — already your trusted partner — presents an opportunity for you to offer an educational program that complements your
current benefits lineup — at no cost to you or your employees.
Prudential Pathways is a series of four in-person seminars at your worksite, presented
by licensed financial professionals. The easy-to-understand and easy-to-administer course
is a great complement to your existing education programs, designed to boost employee
confidence with the skills to pursue their financial goals. Since employee benefits can be
an important part of financial planning, the program offers you an opportunity to speak
about your benefits package. This value add to the program can help promote greater
understanding and appreciation of your benefits — and greater employee satisfaction.
Prudential Pathways at a Glance
2
■■
■■
6 out of 10
Americans retiring today
are financially unprepared
for retirement.3
0262769-00003-00
A series of four 90-minute financial wellness seminars
Delivered at your worksite by local, licensed, experienced financial professionals,
specially trained to deliver Prudential Pathways
■■
Can include high-level information about your benefits package
■■
Intended for employees of all ages and all life stages
■■
No cost to you or your employees
■■
Non-solicitous education open to employees and their guest
■■
Easy to implement — minimal administrative time for the employer
Prudential Pathways Is Designed for Employees of All Ages
The program addresses financial goal setting for every stage of life and helps build
skills for managing and protecting assets. The four seminars are organized as follows:
Prudential Pathways
curriculum addresses:
■■
Saving and budgeting
■■
Investment principles
■■
Retirement planning
■■
Asset distribution
planning
■■
Insurance planning
■■
Health care planning
■■
Estate planning
1.GREAT STRIDES: Understanding the Fundamentals of Financial Wellness
An introduction to financial wellness, including the benefits of living within
a budget, the variety of savings and investing vehicles available, and some
best practices to maximize savings. Plus, employees will learn to calculate
savings needed to live comfortably in retirement.
2.FOR THE LONG HAUL: Building Your Road to Retirement
Proven approaches for developing a retirement plan, creating a retirement
income strategy, and avoiding roadblocks to financial security in retirement.
3.CRUISING ALONG: Protecting You and Your Loved Ones
Techniques to effectively protect assets against predictable and unforeseen
circumstances. Employees learn how insurance and employee benefits can
work together to help maintain financial wellness.
4.THE JOURNEY CONTINUES: Creating a Solid Plan for the Future
Introduces the LifeStage Folio, a tool to compile and organize financial information;
discusses the importance of beneficiary review and the benefits of asset consolidation;
offers wealth transfer strategies; and shares a financial wellness checklist.
... and more
Prudential Pathways Benefits Employers & Employees
Employers:
A track record of success
with employees
■■
■■
■■
■■
■■
2% very satisfied
9
or extremely satisfied 4
■■
Provide objective
financial education
emonstrate concern for
D
employee well-being
ave increased understanding
H
and utilization of benefits
Employees:
■■
■■
■■
eceive valuable education
R
in a non-solicitous format
L earn about many aspects
of financial wellness
Gain a better understanding of
benefits and how to use them
9% found speaker
9
easy to understand 4
Partner with Prudential on the Pathways to Financial Wellness
6% plan to maximize
9
their benefits4
Employees will discover that the path to financial peace of mind doesn’t have to be
a rough ride when you’ve got a trusted partner by your side. If you’re interested in
learning more about Prudential Pathways, please contact your account manager.
1 Bank of America Workplace Benefits Report December, 2013.
2 American Payroll Asxociation, Getting Paid in America Survey, 2012.
3M
ayo Clinic Robert and Arlene Kogod Center on Aging, January 1, 2011; Employee Benefits Research Institute 2011 Retirement
Confidence Survey
4 2015 Prudential Pathways Seminar Survey Results
These seminars are provided by a Prudential Financial Professional with The Prudential Insurance Company of America and are not
intended to market or sell any specific products or services. Offering this seminar does not constitute an endorsement of Prudential
products or services in any way. You should consult with your employer regarding your specific plan benefits. Neither Prudential nor
its sales professionals provide tax or legal advice. Please consult with an accountant or attorney concerning your personal situation. The
Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102.
Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, 751 Broad
Street, Newark, NJ 07102.
© 2015 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol, and Prudential Pathways
are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
183714