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From: "Kayvon Salafian" <kayvon.salafian@pensionmark.com>
To: <david@transocean.com>
Subject: Employee Retirement Readiness and Your Company's Bottom Line
Date: Wed, 14 Feb 2018 09:20:17 -0600
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Shaping the Future at Work

Wednesday, February 21, 2018  
11:00 am PT / 2:00 pm ET  

David,

As an employer, you are hopeful each of your employees will be able to retire on time (and with dignity) because you care about them. However, you may not have considered why 
http://click.mail-pensionmark.com/?qs=0b2686c5133486ad25c1327ebb48071791cdae6a10d9b0fdb72e842b3ce5801d9c18f2794f73fbc6925ca24820554037 
timing of employee retirement is important for your company as well . A one-year delay in retirement for an individual can cost an employer up to $50,0001 - most likely due to: 

	- Lowered productivity and job satisfaction, 
	- Aging workforce demographics and compensation, 
	- Weakened performance, motivation, and innovation, and 
	- Increased healthcare costs.
http://click.mail-pensionmark.com/?qs=0b2686c5133486ad521efb2a6fca055674b45b9d2b5e02ae8c853f5ada395c872b1cb1a6c4c7a791049b29c633c71958 
Register  for this webinar to discover why offering financial education is critical to helping employees retire on time - benefiting them, and your company. 

http://click.mail-pensionmark.com/?qs=0b2686c5133486ad521efb2a6fca055674b45b9d2b5e02ae8c853f5ada395c872b1cb1a6c4c7a791049b29c633c71958 

OTHER RESOURCES

The Health-Wealth Connection  
The vicious cycle: Money, Stress, Health Issues

http://click.mail-pensionmark.com/?qs=0b2686c5133486add9b595af528f1b79cce64bfb5bf3f42d79e0fc01d4f9033d7c8897469205dc7cb029fa42eb6cb739 
Read More Here »

Employees Want Automatic Plan Features 
So why not offer them? 

http://click.mail-pensionmark.com/?qs=0b2686c5133486ad49693325687be079f36f9981ce6fd4b6d5e4d73c8019dcd9984503a02ba972b3fa4b4a77e8feb99c 
Read More Here » 

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Pensionmark(r) Financial Group, LLC ("Pensionmark") is an investment adviser registered under the Investment Advisers Act of 1940. Pensionmark is affiliated through common ownership with Pensionmark Securities, LLC (member 
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SIPC ).

1Prudential Study, Why Employers Should Care About the Cost of Delayer Retirements

This email was sent by: Pensionmark(r) Financial Group, LLC, 24 E. Cota Street Suite 200, Santa Barbara, CA, 93101, UNITED STATES



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<div class="preheader" style="font-size: 1px; display: none !important;">Webinar Invite Inside</div></html><img src="http://click.mail-pensionmark.com/open.aspx?ffcb10-fe8e157370620c7577-fe1e1c757c60037a741577-fe9613707565017476-ff61137775-fe2b157472670c7d731172-ffcf14" width="1" height="1">
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<font color="#666666" size="3" style="" face="Verdana">Wednesday, February 21, 2018&nbsp;&nbsp;<br>11:00 am PT / 2:00 pm ET&nbsp;&nbsp;</font></font></font></font></strong></p></td></tr></table></td></tr></table></td>
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																						<td valign="top" style="padding-top:10px" align="left"><table cellpadding="0" cellspacing="0" border="0" bordercolor="" width="100%" bgcolor=""><tr><td><p align="center" style="margin-top:0px; margin-bottom:0px;"></p><table  width="100%" bgcolor="" border="0" bordercolor="" cellpadding="5" cellspacing="0"><tr><td style="font-family:Arial; font-size:13px"><p style="text-align: left; background-color: rgb(255, 255, 255); margin-top: 0px; margin-bottom: 0px;"><span style="color: rgb(102, 102, 102); font-size: medium;">David,</span></p><h2 style=""><p style=""><font face="Arial" style=""><font style=""><font color="#666666" style="background-color: rgb(255, 255, 255);"><font size="3">
<span style="font-weight: normal;">As an employer, you are hopeful each of your employees will be able to retire on time (and with dignity) because you care about them. However, you may not have considered why <a href="http://click.mail-pensionmark.com/?qs=0b2686c5133486adb65da3ab0052a63845a2af12cdc78dc9686b160583fd7541607183b669a95a8ced5d27a4a947485c" title="timing of employee retirement is important for your company as well"  >timing of employee retirement is important for your company as well</a>. A one-year delay in retirement for an individual can cost an employer up to $50,000<sup>1</sup> - most likely due to:&nbsp;</span><br></font></font></font></font></p><ul style=""><li style=""><font face="Arial" style=""><font style=""><font color="#666666" style="background-color: rgb(255, 255, 255);"><span style="font-weight: 400;">
<font size="3">Lowered productivity and job satisfaction,&nbsp;</font></span></font></font></font></li><li style=""><font face="Arial" style=""><font style=""><font color="#666666" style="background-color: rgb(255, 255, 255);"><span style="font-weight: 400;"><font size="3">Aging workforce demographics and compensation,&nbsp;</font></span></font></font></font></li><li style=""><font face="Arial" style=""><font style=""><font color="#666666" style="background-color: rgb(255, 255, 255);"><span style="font-weight: 400;"><font size="3">Weakened performance, motivation, and innovation, and&nbsp;</font></span></font></font></font></li><li style=""><font face="Arial" style=""><font style=""><font color="#666666" style="background-color: rgb(255, 255, 255);"><span style="font-weight: 400;">
<font size="3">Increased healthcare costs.</font></span></font></font></font></li></ul><div style=""><font face="Arial" style=""><font style=""><font color="#666666" style="background-color: rgb(255, 255, 255);"><span style="font-weight: 400;"><font size="3"><a href="http://click.mail-pensionmark.com/?qs=0b2686c5133486ad725f79752fa5062f7f611902f4e79dc75d32312a80001042e445efbcb8a4e88dcb16357bb3894841" title="Register"  >Register</a> for this webinar to discover why offering financial education is critical to helping employees retire on time - benefiting them, and your company.&nbsp;</font></span></font></font></font></div><p></p></h2></td></tr></table></td></tr></table></td>
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<td style="text-align: center; font-family: Arial; font-size: 13px;"><a href="http://click.mail-pensionmark.com/?qs=0b2686c5133486ad66e4674312489aca85ad6a26c4c9d0635d214e49bdc1cf541a76a3186799840bbc42383f6b6eedd7" title="Register Now"  ><img style="border-color: rgb(0, 0, 0); margin: 0px; width: 151px; height: 41px;" title="Register Now!" border="0" alt="Register Now!" src="http://image.mail-pensionmark.com/lib/fe9613707565017476/m/1/Register+Now.png" width="151" height="41" mdid="aad6ee2f-2e96-43b1-9ee4-19c295cfd9bf"></a></td>
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<p><font color="#2a4a9f"><font color="#3366cc" face="Arial" size="2"><strong><font color="#003399">OTHER RESOURCES</font></strong></font></font></p>
<p><font face="Arial" size="2"><strong style="color: rgb(102, 102, 102);">The Health-Wealth Connection&nbsp;&nbsp;</strong><br style="color: rgb(102, 102, 102);"><span style="color: rgb(102, 102, 102);">The vicious cycle: Money, Stress, Health Issues<br></span><a href="http://click.mail-pensionmark.com/?qs=0b2686c5133486ad00c0bef71e76a63318335c2477ae09f18de395d8b03482a7003f775a821c282b8cb9055618fed483" title="Read More Here&nbsp;&#187;"  ><span style="color: rgb(102, 102, 102);"><font color="#0000ff">Read More Here&nbsp;</font></span><span style="color: rgb(102, 102, 102);"><font color="#0000ff">&#187;</font></span></a><span style="color: rgb(102, 102, 102);"></span></font></p><font face="Arial" size="2">
<p><font face="Arial" size="2"><font color="#666666"><b><font color="#666666">Employees Want Automatic Plan Features&nbsp;</font></b><br><font color="#666666">So why not offer them?&nbsp;</font><br></font></font><font face="Arial" size="2"></font><font face="Arial" size="2"></font><a href="http://click.mail-pensionmark.com/?qs=0b2686c5133486ad799e34f23d75175680d6a37bed4700ac647163c92ca9f7a94c22ed01105489a32cad4297689bb70c" title="Read More Here&nbsp;&#187;"  ><font face="Arial" size="2"><font color="#0000ff">Read More Here&nbsp;</font></font><span style="color: rgb(102, 102, 102);"><font color="#0000ff">&#187;</font></span></a><span style="color: rgb(102, 102, 102);"></span><span style="color: rgb(102, 102, 102);"><font color="#0000ff">&nbsp;</font></span></p></font><font face="Arial" size="2"><p>
<span style="font-family: arial; font-size: 11px; color: rgb(102, 102, 102);"></span></p></font><font face="Arial" size="2"><p style="font-size: 13px; font-family: Arial;"><a title="Forward to a Friend" href="http://view.mail-pensionmark.com/ftaf.aspx?qs=781116a810ba8c0c6c47d90ccf2ae8bdc8d10acc41e43d763b879c8d17983ec99858c58a63e94323"   style="font-size: 13.3333339691162px;"><img title="ftaf_05E" border="0" alt="ftaf_05E" vspace="0" src="http://image.mail-pensionmark.com/lib/fe9613707565017476/m/1/ftaf_05E.gif" width="143" height="10" mdid="2cfd013b-33e4-4511-8ef6-f26d0df8dc82" style="border-color: rgb(0, 0, 0); margin: 0px; width: 143px; height: 10px;"></a><font color="#0000ff" style="color: rgb(102, 102, 102);">&nbsp;</font></p></font></td></tr>
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<p align="left" style=""><font style="" face="Arial" size="2"><font color="#666666" style="">Pensionmark</font><font color="#666666" style="">&#174;</font><span style="color: rgb(102, 102, 102);"><font color="#666666"><font color="#666666">&nbsp;Financial Group, LLC ("Pensionmark") is an investment adviser registered under the Investment Advisers Act of 1940. Pensionmark is affiliated through common ownership with Pensionmark</font></font></span><font color="#666666" style="">&nbsp;Securities, LLC (member&nbsp;<a href="http://click.mail-pensionmark.com/?qs=0b2686c5133486ad5c53058aa5b18b5ad25951f7e647f263dafd53ad966b55706c817f1d682f753bf734d59823707741" title="SIPC"   style="">SIPC</a>).</font></font></p><p align="left" style="font-size: 13px; font-family: Arial;"><font color="#666666"><font size="1"><font color="rgb(102, 102, 102)"><font color="#666666"><br><sup>1
</sup>Prudential Study, Why Employers Should Care About the Cost of Delayer Retirements<br><br><br><br>This email was sent by: Pensionmark&#174; Financial Group, LLC, 24 E. Cota Street Suite 200, Santa Barbara, CA, 93101, UNITED STATES</font> </font></font></font></p><br></td></tr></table></td></tr></table></td>
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