®

a �nancial wellbeing solution

Helping you achieve your personal goals

4 sessions. 1 great opportunity.

Retirewise is a complimentary retirement education series that can help you take control of your financial future.

Welcome to retirewise®

“The workshops made it easier for me to tackle financial issues that I’ve avoided. I’ll be signing up for more.”

“Wherever you are in your life, this workshop is a must! I only wish I had signed up earlier.”

“Before Retirewise I honestly did not know where to begin. Now, I have a plan and feel much better about my future.”

The photos above are stock images and not images of actual attendees.

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Changes in the healthcare system, government programs

and employer plans are impacting us all. That’s why when it

comes to your financial wellbeing, planning ahead can make

all the difference — and it’s never too early, or too late, to get

started!

Get the guidance you need with Retirewise — a retirement

education opportunity that will help you clarify your goals

and identify the steps you can take to help achieve them.

You can expect:

• Objective information on a wide range of topics, from

the basics of investing and tax

strategies to saving for college

and planning your estate

• Expert delivery by a local,

specially trained Massachusetts

Mutual Life Insurance Company

(MassMutual) financial

professional

• Comprehensive training materials

for you to keep and use for

future reference

• Over 146,000 employees

across the country have

attended our Retirewise

workshops with over

22,000 last year alone

• All attendees (100%)

would recommend the

workshop and nearly all

(96%) plan on taking

action on personal

retirement planning after

attending the workshop.1

1 2015 Retirewise Satisfaction Survey Results

Welcome to retirewise®

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Session 1:

Building the Foundation Envision the retirement you want and how you will finance it based on

current and future retirement trends. We will cover the financial basics

and budgeting for retirement. Topics include:

• Personal retirement aspirations

• Understanding the impact of compounding and inflation

• Having a tax-diversification strategy

Session 2:

Creating and Managing WealthLearn about the principles of investing and the general rules of

accumulating wealth and understanding the risks you need to manage.

Topics include:

• Investment guiding principles, including asset allocation and

portfolio diversification

• Understanding and managing different kinds of risk

• Current and projected budgeting for retirement

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Session 3:

Establishing Your Retirement Income StreamLearn how to structure a retirement income stream to address your

retirement wants and needs. Topics include:

• Shifting the focus from accumulation to distribution

• The retirement income planning process

• Managing your retirement assets to help provide income for life

Session 4:

Making the Most of What You HaveReview your employee benefits and look at the basics of estate planning,

wills and trusts. Topics include:

• Your benefit plan

• Protecting against unexpected expenses

• Estate planning basics

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To help you apply what you learn to your own financial

situation, you also have the opportunity to meet with a

local MassMutual financial professional for a one-on-one

complimentary consultation — at a time and place that’s

convenient for you.

Whether you have a few questions or need help with more

in-depth strategies, you can get the answers you need to help

achieve your financial goals. MetLife has an arrangement with

MassMutual to bring you an award-winning program called

Retirewise. We work together with your employer so we can

bring valuable financial education to your workplace.

For more information or to register for a retirewise® workshop:

Visit: www.metlifeplansmart.com

Metropolitan Life Insurance Company 200 Park Avenue New York, NY 1016 www.metlife.com

MetLife does not provide tax or legal advice. Please consult with your personal tax or legal advisor for such guidance.

Securities and investment advisory services are offered through qualified registered representatives of MSI Financial Services, Inc. Member SIPC. MSI Financial Services, Inc. is not affiliated with MetLife or its affiliated companies.

The MassMutual financial professionals involved in the PlanSmart program were affiliated with MetLife until July 2016, when Massachusetts Mutual Life Insurance Company acquired MSI Financial Services, Inc. MetLife continues to administer the PlanSmart program, but has arranged with MassMutual to have these specially trained financial professionals offer financial education and provide personal guidance to employees and former employees of firms providing PlanSmart through MetLife.

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