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From: "Kayvon Salafian" <kayvon.salafian@pensionmark.com>
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David,

 

How much do employees' negative behaviors affect retirement readiness? How do these affect your employer costs?

http://click.mail-pensionmark.com/?qs=e6c3bedae126efcd064e54a13db63d6005f6134673e35dad801f0a24734d16b27180c5c315510319fa6b8e055a393806 

http://click.mail-pensionmark.com/?qs=e6c3bedae126efcdec9de5ad471cbb02218c3b345bba0ea48e76020dd9e966955c993966a53be9381d257fab6fc53230 
A recent article  by the National Association of Plan Advisors explains the relationship between your employees' ability to retire in a timely manner and the effect it has on your corporate financial statements. 
As employers, you help individuals achieve their financial goals and are hopeful that each employee will be able to retire with dignity. However, you might not have considered the connection between your company's bottom line and: 
http://click.mail-pensionmark.com/?qs=e6c3bedae126efcd58f3950e0e046ca6a7d0951547e2b0af39faa6495570d792be5a0802f58ca244bb4977b29655bcef 

	- Employees' retirement readiness and scarcity in their lives 
	- Workforce demographics and compensation 
	- Productivity and happiness 
	- Job performance, efficiency, and innovation 
	- Healthcare costs Watch the video to the right for an overview of 
http://click.mail-pensionmark.com/?qs=e6c3bedae126efcd5513c8326e6d81d2ab8d353fded7baa755f8fdb1a2ea0b498a1aa0ab48ece0475a6baefaf46627d9 
Pensionmark's Financial Wellness Program  to better understand our roles as risk managers and our solutions for human capital management and controlling demographic trends. 
Pensionmark advisors focus on serving fiduciaries and their employees as independent and objective retirement plan consultants with no affiliations with brokerage firms or vendor products. Our goal is to make a true impact and 
http://click.mail-pensionmark.com/?qs=e6c3bedae126efcd51fd323a6960cfb2e7f9bbc79c8e20c79760e5d630ffc79f742c433fc2c196aeea7f29c3c0d3de59 
we have the data to prove that impact . 

Feel free to call or reply back to me to learn more. I look forward to speaking with you soon. 

Best regards,

Kayvon Salafian, MBA

Senior Manager, Business Development

(805) 456-2765

http://click.mail-pensionmark.com/?qs=89dd63fce669067dc0fe0a17a6d4a7494aca10927a4a387ee742345909ce85b04d27f4f0f76b647a172e3246a71340e5 

http://click.mail-pensionmark.com/?qs=89dd63fce669067d80e5e6541e368cb40d67229036d7a74c2a87cf158d08a402c76356f19b8a9fd27b37e9206a839125 

http://click.mail-pensionmark.com/?qs=89dd63fce669067d2e0b14ee7377ec1fbb7f98f422f4c8618f272521a129db688f99d9397c27d54a15bc7ded4172455b 

http://click.mail-pensionmark.com/?qs=89dd63fce669067d6130f8b61aa9a8df3fafc73cdf34c93fc0fbf3f24fd70f35ee7984b33e2aff5d943682f0f28c07f9 

http://click.mail-pensionmark.com/?qs=89dd63fce669067d4d781a93b351cac48495229eff281129e745aced66b3d1203816902b8920cd3e4bb298ac20b21c29 

http://click.mail-pensionmark.com/?qs=e6c3bedae126efcdaf28f4130c6b821d82d5207ff0be21062ca8e729cf30f1e56132ab2bd6f315d8a1ea7002880166ed 

Pensionmark(r)
Financial Group, LLC ("Pensionmark") is an investment adviser registered under
the Investment Advisers Act of 1940. 

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<html><body></html><img src="http://click.mail-pensionmark.com/open.aspx?ffcb10-fe9d15737163057f75-fe1e1c757c60037a741577-fe9613707565017476-ff61137775-fe2b157472670c7d731172-ffcf14" width="1" height="1">

<table style="width: 600px" align="center">
	<tr>
		<td></td>
	</tr>
	<tr>
		<td><table cellpadding="0" cellspacing="0" border="0" bordercolor="" width="100%" bgcolor=""><tr><td><table  width="100%" bgcolor="#ffffff" border="0" bordercolor="" cellpadding="1" cellspacing="0"><tr><td style="font-family:Arial; font-size:13px"><font face="Arial" size="2" style=""><p style="margin: 0in 0in 0.0001pt;"><font style="">David,<o:p></o:p></font></p><p style="margin: 0in 0in 0.0001pt;">&nbsp;<o:p></o:p></p><p style="margin: 0in 0in 0.0001pt;">How much do employees' negative behaviors affect retirement readiness? How do these affect your employer costs?<br><br><o:p></o:p></p></font><div style=""><a href="http://click.mail-pensionmark.com/?qs=89dd63fce669067db7207b4814669fdb947b04913195430e8202290cff2679344a79c00792fd341a261b95eb8a937d17" title="Video "  ></a></div><font face="Arial" size="2" style="">
<a href="http://click.mail-pensionmark.com/?qs=89dd63fce669067d5095f5fc2596d751980a3e7189317af0c3b02372a6f92a6c17e701a870a14b050e3907709de5bb26" title="A recent article"  >A recent article</a> by the National Association of Plan Advisors explains the relationship between your employees' ability to retire in a timely manner and the effect it has on your corporate financial statements.&nbsp;</font><div style=""><div style=""><font face="Arial" size="2"><br>As employers, you help individuals achieve their financial goals and are hopeful that each employee will be able to retire with dignity. However, you might not have considered the connection between your company's bottom line and:&nbsp;</font></div><a href="http://click.mail-pensionmark.com/?qs=89dd63fce669067dc68a2aed7cc0ac06f7ac31c8c73cff993f575a3d0fb3172bdaf6e3503df2c818823825d426befea7" title="Video"  >
<img id="image-placeholder" align="right" src="http://image.mail-pensionmark.com/lib/fe9613707565017476/m/2/Corporate+Well+Being.png" border="0" title="Corporate Wellbeing" alt="Corporate Wellbeing" width="275" height="154" style="margin: 0px 0px 5px 10px; width: 275px; height: 154px; border-color: rgb(0, 0, 0);" mdid="5bc10d4f-d561-46e5-b09f-690853aeaa4b"></a><div style=""><p class="MsoNormal" style=""></p><ul style=""><li style=""><font face="Arial" size="2">Employees' retirement readiness and scarcity in their lives&nbsp;</font></li><li style=""><font face="Arial" size="2">Workforce demographics and compensation&nbsp;</font></li><li style=""><font face="Arial" size="2">Productivity and happiness&nbsp;</font></li><li style="">
<font face="Arial" size="2">Job performance, efficiency, and innovation&nbsp;</font></li><li style=""><font face="Arial" size="2">Healthcare costs&nbsp;</font></li></ul><div><font face="Arial" size="2">Watch the video to the right for an overview of <a href="http://click.mail-pensionmark.com/?qs=89dd63fce669067dcba703c8488fca828de83e95d08f7b0fa4e78fea61e6bea3795dc340c40e96cd848dd730e6754960" title="Pensionmark&amp;#39;s Financial Wellness Program"  >Pensionmark's Financial Wellness Program</a> to better understand our roles as risk managers and our solutions for human capital management and controlling demographic trends.&nbsp;</font><font face="Arial" size="2">
<br>Pensionmark advisors focus on serving fiduciaries and their employees as independent and objective retirement plan consultants with no affiliations with brokerage firms or vendor products. Our goal is to make a true impact and <a href="http://click.mail-pensionmark.com/?qs=89dd63fce669067d79d78007150b84a0ff314aa21996d0ee4253e66bb0ce8a190e07f305761032a1bb3e21bbf92f8983" title="we have the data to prove that impact"  >we have the data to prove that impact</a>.&nbsp;<br><br>Feel free to call or reply back to me to learn more. I look forward to speaking with you soon.&nbsp;</font></div><p></p></div></div></td></tr></table></td></tr></table></td>
	</tr>
	<tr>
		<td><table cellpadding="0" cellspacing="0" border="0" bordercolor="" width="100%" bgcolor=""><tr><td><table  width="100%" bgcolor="" border="0" bordercolor="" cellpadding="0" cellspacing="0"><tr><td style="font-family:Arial; font-size:13px"><p class="MsoNormal" style="font-size: 13px; margin: 3pt 0in;"><span style="color: rgb(31, 56, 100);"><font face="Arial"><font size="2" color="#000000"><br>Best regards,</font><br><br><font style="font-weight: bold;" size="3">Kayvon Salafian, </font><font style="font-weight: bold;" size="1">MBA</font></font></span></p>

<p class="MsoNormal" style="font-size: 13px; margin: 3pt 0in;"><font face="Arial" size="2">Senior Manager, Business Development<o:p></o:p></font></p>

<p class="MsoNormal" style="font-size: 13px; margin: 3pt 0in;"><font face="Arial"><font size="2">(805) 456-2765</font><span style="font-size: 13px; font-family: Arial;"><o:p></o:p></span></font></p>

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