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Unlock the Power of the Wellness Effect

For any organization, people are the engine of prosperity. To drive growth, they must be engaged and energized. Instead, more and more of them are distracted and dragged down – by worrying over their finances.

Now more than ever, financial wellness matters. So now more than ever, it's time to address it – by giving a workforce the tools, understanding and motivation to take control of their financial lives. It causes a compound reaction: More productive people drive an organization's bottom line, and more confident people influence their families and communities.

That’s the power of The Wellness Effect^TM.

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Workers today bear increasing responsibility for their own financial lives. Yet too many lack access to resources and tools to help them manage. Let’s build new pathways to prosperity.

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As a leader in workplace benefits, Prudential understands that when financial wellness works, the impact is felt everywhere. That’s why we’ve designed a platform to meet people where they are in life with the ideas and answers they need to have true financial wellness – helping them effectively manage their day-to-day finances, achieve their most important financial goals, and protect themselves against key risks.

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Enjoy the results that come from a more engaged, focused workforce

Reduce costs associated with employees under financial stress: healthcare spending and retirement plan loans and withdrawals

Help prevent delayed retirements by enhancing employees' financial security

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The Opportunity Is Clear

70%

of hr professionals say financial issues impact employee performance¹

63%

of people don’t have a deep enough rainy-day fund to cover a $500 emergency²

78%

of people in a 2016 Prudential survey said they don’t feel financially secure³

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No two organizations are the same.

That's why Prudential doesn't offer cookie-cutter solutions. For every organization we work with, we discover the unique needs of the workforce, design solutions that meet those needs, and inspire people to take action.

Discover

What does an organization need?

Using proprietary tools and expert insights to identify the financial risks people are facing, we help organizations optimize benefits offerings, address gaps and measure progress to inform next steps.

OUR OFFERINGS INCLUDE:

Financial Wellness Assessment Analysis
Aggregated insight into the financial behaviors of individual workers
The Prutection Score^SM
A proprietary tool measuring how well a workforce is protected against key risks
Plan Design Benchmarking
Identification of plan design opportunities to maximize benefits investments

Design

What solutions can address these needs?

By tailoring a suite of product and service solutions, we help improve financial wellness across an organization in ways that maximize return on benefits spending.

OUR OFFERINGS INCLUDE:

Budgeting, Spending and Debt Management Approaches
Solutions that include Student Loan Manager, which attracts and retains workers by helping them manage their student loan debt
Investing Simplified
Innovation that ranges from an asset allocation tool that automates portfolio management using risk and time-horizon analysis, to the first target-date series designed with behavioral-based research and with a goal to create lifetime income
Insurance Plans
Protection against key risks including loss of income due to disability and major illness, and approved claim payments for significant out-of-pocket medical expenses associated with accidents or injuries

Inspire

What will motivate people to take action?

Understanding the behaviors that sub-consciously hold people back, we create experiences that meet people where they are in life, so they can rise to the financial challenges they face and take immediate steps toward the goals they have.

OUR OFFERINGS INCLUDE:

Individual Assessment Tool
An easy-to-use online tool that lets workers quickly assess their financial health and review potential action steps they can take to improve it
Prudential Pathways^SM
A series of focused financial wellness education on-site seminars presented by licensed financial professionals
Financial Wellness Portal
A life event- and goal-based digital destination that personalizes a stream of financial wellness content, tools, infographics and videos

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Sources:
1 - Society for Human Resource Management (SHRM), “Financial Wellness in the Workplace,” May 2014
2 - McGrath, Maggie, “63% of Americans Don’t Have Enough Savings to Cover a $500 Emergency,” 2016. http://www.forbes.com/sites/maggiemcgrath/2016/01/06/63-of-americans-dont-have-enough-savings-to-cover-a-500-emergency/#bbc11a66dde1
3 - Prudential, Financial Wellness Consumer Research, 2016

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How will a workforce be engaged and energized? By accessing individual guidance from a trusted partner: direct conversations and counseling, seminars, articles, videos, tools and other experiences that channel the expertise from across our company. Our content helps workers improve in three key areas of financial wellness: managing day-to-day finances, achieving important financial goals and protecting against key risks.

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Ideas and insights for creating and keeping a budget, keeping debt down and taking care of everyday expenses

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The tools for building a smart plan to retire well, send kids to college and make other dreams a reality

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How can workers be ready for anything that might come their way?

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Our deep focus on financial wellness, understanding of the employee benefits experience, institutional expertise, breadth of enterprise capabilities, and financial strength uniquely position Prudential to develop programs that help improve organizational performance.

The Prudential Difference

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Financial wellness is part of our DNA. That’s why we invest about $100 million annually in capabilities that help to create it.

We leverage and enhance existing benefits programs, boosting value to workers and organizations and providing data points that chart progress and inform next steps.

Our professionals build and manage solutions provided at no additional cost to customers. Employees can trust in the guidance, and organizations can rest easy knowing there’s no heavy lifting on their part.

Our organizational expertise addresses the most critical aspects of personal finance, delivering the tools of success in modern ways that benefits employees and employers.

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To help build and strengthen an organization’s approach to financial wellness, here’s a well of expert insights and actionable ideas.

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Three keys to maximizing the impact of financial wellness programs

Promote Financial Health

How well are households self-assessing their retirement readiness?

Prepare Your People

CFO Research: Executives see financial wellness as core to company success

Wellness Wins

How to achieve the win/win scenario of having employees able to retire “on time”

"On-Time" Retirement

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LINK by Prudential is an umbrella marketing name for Prudential Customer Solutions LLC (“PCS”), Prudential Annuities Distributors, Inc. and various subsidiaries of The Prudential Insurance Company of America. Investment advisory products and services of LINK by Prudential are made available through PCS, an SEC registered investment adviser. PCS is not a licensed insurance agency or broker. Prudential LINK and LINK by Prudential occasionally may be referred to as LINK.

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