Your team’s financial stability is priceless.You already know the value of offering your team healthcare and other benefits. Now it’s time to add financial education to the mix. This report explains why Financial Peace Workplace Edition offers you the best return.

What is Financial Peace Workplace Edition?Dave Ramsey’s Financial Peace Workplace Edition is an entertaining, fast-paced, personal finance education course featuring money expert Dave Ramsey. It is designed to improve your team’s job performance—saving you thousands of dollars in retention, absenteeism and healthcare.

Turnover Cost: $XXXX

Job Performance: $XXXX

Healthcare Costs: $XXXX

Absenteeism: $XXXX

Total: $XXXX

Your Return On Investment: $XXXX

Your Results:

Total Team Savings:

$5,987!To learn more about FPW, visit daveramsey.com/fpw

Nobody wins with financial stress.

*Developed by Workplace Financial Stress Expert Dr. Tom Garman to determine a projected return on investment (ROI) and to identify your team’s level of financial well-being and need for financial education.

Getting Started: No matter your company size—your business’ success depends on your team’s success.

48% of team members admit money stress negatively affects their productivity. In fact, it’s the #1 cause of stress in the workplace.

Stressed team members can waste up to 20 company hours a month dealing with personal finances.

They are 2.6 times more likely to have five or more unscheduled absences, costing companies on average $660 per employee each year.

What can you do to help your business succeed? The ROI Calculator* — part of Dave Ramsey’s Financial Peace Workplace Edition — provides you the answers for where to start.

70% live paycheck to paycheck. 50% don’t have a budget.

40% live beyond their means.

Facts About Your Team

Return On InvestmentKeep in mind: Your results are based on the total of these factors and are conservative estimates. Improvements like lower healthcare costs, fewer absences and less work time wasted are included—making your results even more impactful!

A variety of factors affect your ROI results. Here we take a look at your company’s top two ROI areas: turnover rate and job performance.

“Research has shown that even a small increase in an employee’s financial security can add significantly to an employer’s bottom line.”

— Dr. Susan JenkinsIdaho State University

The ROI Calculator quantifies:

Projected one-year impact

Projected benefit/cost ratio

Value of each key outcome

In a survey by Workplace Options, 57% of team members said they would take advantage of a financial literacy course if their employers offered it.

Total Team Savings:

$5,987!

TURNOvERTurnover costs alone add hundreds of thousands of dollars to your expenses. Not only can FPW improve retention by decreasing turnover, it will also save you $XXX per year!

This figure reflects a reduction in the number of team members who otherwise would have left your company. The turnover cost savings is based on the percentage of seriously financially distressed team members for whom the program has a substantial impact to prevent them from leaving.

JOb PERFORmANCEWith FPW you can expect hundreds of dollars in positive job outcomes from each team member who slightly enhances their financial behaviors and well-being. If XXX team members participate, you can save XXX in one year!

This figure represents the value to your company based on an increased level of productivity. Calculations vary according to each team member’s financial wellness as well as the number who are positively impacted by the financial education program. It assumes an annual salary and benefits package totaling $XXX.

Overall ROI: For every team member that completes the program, you would save $X per every dollar invested annually.

See The Difference:Better financial decisions and overall financial well-being

Greater job satisfaction, resulting in lower turnover

Fewer absences, resulting in improved productivity

More likely to participate in a qualified benefit plan

Everybody wins with financial peace.Your Team WinsFor over 15 years this program has helped more than 750,000 families connect the dots between life and work. Entire families are seeing a dramatic reduction in the amount of tension in their homes.

Your business WinsCompanies find that using this program has helped boost morale, which has made it easier for them to recruit and retain team members. Plus, team members who have learned through this program how to win with their money tend to retire on time, preventing a loss of productivity later.

Imagine...•Pricelessimprovementsinteammorale,community

service and company image

•Changedlives,savedmarriagesandhappierhomes

•Yourbusinessreachingitsfullpotential

For more information, visit daveramsey.com/fpw or call 800.754.4220

On average families save $2,700 and pay off $5,300 in debt in just 91 days. That’s an $8,000 turnaround!

Change Your Workplace Culture.Financial Peace Workplace Edition is a crucial element to your business’ training or benefits program. By improving financial wellness and learning how to win with money, you and your team will enjoy greater success in the workplace.

FPW features 12 comprehensive DVD lessons in which Dave explains how money really works in a simple, easy-to-understand style. It also includes group discussion questions and exercises. Your team will actually have fun as they learn about saving, budgeting, investing, insurance and more!

Give your team Dave Ramsey’s Financial Peace Workplace Edition. It will have a lasting, positive impact on their lives and yours.

Dave Ramsey, host of the nationally syndicated radio talk show The Dave Ramsey Show, is the author of the New York Times best-sellers Financial Peace, More Than Enough and The Total Money Makeover. He is also the host of The Dave Ramsey Show on the Fox Business Network. Dave knows what it’s like to have it all and lose it all. By age twenty-six, he had established a $4 million real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and teaches millions of people how to successfully manage their money. He and his wife, Sharon, reside in Nashville, Tennessee with their children, Denise, Rachel and Daniel.

800.754.4220•daveramsey.com/fpw