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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: Tue, 20 Feb 2018 11:36:24 -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=f3d18dff1ce67c6945dd29279871d481b4dd2178e3f266f4ef9a2de2ff62f63cf704176b598481e330e1104b0cc78cc9 
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=f3d18dff1ce67c69cc6c46b651fbd9ed377b3e639c8f9aaa4ef5a1bb219edf2eb66a50c172714027b1e63d8d5cae1956 
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=f3d18dff1ce67c69cc6c46b651fbd9ed377b3e639c8f9aaa4ef5a1bb219edf2eb66a50c172714027b1e63d8d5cae1956 

OTHER RESOURCES

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

http://click.mail-pensionmark.com/?qs=f3d18dff1ce67c69546b1432554d2f10ada51c513efad0c0d9b0ea1f447872a34dc3579f929fd85565ada0904e44afbb 
Read More Here »

Employees Want Automatic Plan Features 
So why not offer them? 

http://click.mail-pensionmark.com/?qs=f3d18dff1ce67c6901b012b16988acfaa11174cd7df005984eadf4f6ae4b661241c3d952debd064934e9e304e8fac166 
Read More Here » 

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Financial Wellness Center   |  
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Contact Us  |  
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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 
http://click.mail-pensionmark.com/?qs=4ac3e333fd2e823ab8839ca8a393dda41bdb4f6de584fad815b4eb59fdd1e5fe25bd90336009e23b18275d705f9cf85a 
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;">Reminder: Webinar Invite Inside</div></html><img src="http://click.mail-pensionmark.com/open.aspx?ffcb10-fe8b1573706d037576-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=f3d18dff1ce67c69da70041db5910559149cec78a4f44170a276b238e2086f10f086261d1361d89b676e0a60dc672409" 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=f3d18dff1ce67c69c810f4d1ddc10d70816b063b4fa083e1a067613015e17018b249a2d24f8e074df81d02123ce8b0b2" 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=f3d18dff1ce67c699bfa2fadff8d39258494c50c37b6ae818f35373038a7a9e5eacf123a76c454d51c01362f8dac65cf" 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=f3d18dff1ce67c697f76c2ed87a8b4bb403e18bcd87289760cce1558307f7ae3d4ea7bbb68cc4701a91bd2488bcd88c7" 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=f3d18dff1ce67c6945eea5ace7d5177a09b48a2a62e65a8677fcf0137e243a7080830107a36ec38981458ce927cea9f0" 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=ff3ad618699869243bd461cd07360acee7bd681c83ff1bb229cde94fb8a4ccb6cd76354dd6d46f25"   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=f3d18dff1ce67c699d86cadd34d32449afa7cdb672ab025d2ea5c7623cd984e5408c9fa2d0dce83d3b413f89f1087bc4" 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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