Your retirement plan. Know how much to contribute.

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Something to think about.

75% say they would save more if they could do it over.

Income & Wealth Study, 2012, University of Michigan

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 2 Agenda.

1. What you can control

2. How much to contribute

3. Resources

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 3 Retirement income sources.

Cash 3% Investments 11%

Social Security 35%

Pension 17%

Earned Income

34% Fast Facts and Figures About Social Security, Social Security Administration, 2014

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 4 Steps to retirement.

Know how much to contribute

Set your investment strategy

Keep on target and contribute more each year

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 5 What can you control?

The #1 factor you can control is your contribution amount.

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 6 Good news.

You don’t have to be an investment expert to have a solid investment plan.

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 7 So, how much should you contribute?

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 8 In it’s simplest form …

Best

Better

Good

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 9 Determine your contribution amount.

Include Project your Set your your current future goals savings savings

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 10 Know your income replacement ratio.

Typically, 80% of your current income will allow you to maintain your standard of living in retirement.

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 11 Consider your retirement lifestyle.

1. Will you be debt free, mortgage free?

2. Will you be supporting kids or parents?

3. Might health care needs become expensive?

4. Are you planning significant travel or expensive hobbies?

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 12 Clarity drives retirement savings.

9 of 10 participants who say they know what they’ll need in retirement are actively planning for it.

Blackrock’s 2013 Retirement Survey

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 13 Are you on target?

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 14 The power of RetireOnTarget.

View a snapshot of your savings

Run scenarios

See what you can do now to meet your goals

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 15 The confidence of being on target.

“RetireOnTarget gives me a clear picture of where I’m headed and when I can retire.” Christine Henzig, Wisconsin League

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 16 Make it easy to raise your contributions.

Consider a 1% Or, raise your increase now and on contribution with an annual basis … each pay increase. • . CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 17 Increase your contribution amount.

Make the change online or touch base with your plan administrator and fill out a quick form. Select a percentage rather than a dollar amount.

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 18 A word about your starting age ...

When you start saving has an impact on how much you may need to contribute into your plan.

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 19 Don’t retire your savings before you retire.

Leave it, roll it over, but don’t cash out!

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 20 Help is available.

Make the most of RetireOnTarget® and resources on BenefitsforYou.

Call your advisor or the Investor Guidance Center, 800.999.8786, Mon. – Fri., 7 a.m. – 5 p.m. CT. Near retirement? Plan your transition with RetiredOnTarget™ (also on BenefitsForYou).

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 21 Thank you for your time.

CUNA Mutual Retirement Solutions is a division of CUNA Mutual Group and the marketing name for CPI Qualified Plan Consultants, Inc., a CUNA Mutual Group member company. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual holding company, its subsidiaries and affiliates. Annuity insurance products are issued by CMFG Company, located in Madison, Wisconsin. Each insurer is solely responsible for the financial obligations under the policies and contracts it issues.

Securities distributed by CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the financial institution. Representatives offer retirement and investment education but do not provide investment, legal or tax advice. Participants are encouraged to consult their own advisors. CMRS-1338680.1-1015-1117 © CUNA Mutual Retirement Solutions, 2015 All rights reserved

Rob Peters Senior Strategist CUNA Mutual Retirement Solutions 800.356.2633 Ext. 665.4098 [email protected]

CUNA Mutual Retirement Solutions | People driven. Outcome focused.® Page 22