7 Tips for Spring Cleaning Your Finances

Information contained s proprietary, confidential and non-public and is not for public release. Seasonal financial tips 7 tips for SPRING CLEANING YOUR FINANCES 602031_0525 CN4520507_0527

Information contained s proprietary, confidential and non-public and is not for public release. Dennis R. Wood, AIF ® President Investment Advisor Representative Dennis is the Plan advisor for the Performance Services, Inc. Thrift Plan (401(k) Plan). Dennis has over 35 years of experience as a Retirement Plan Consultant and Wealth Management Advisor. He works in an on-going capacity with both the plan participants and with the Plan’s Fiduciary Committee to ensure that the Plan operates in the most efficient manner. • 50 E. 91 st Street, Suite 103, Indianapolis, IN 46240, D (317) 816-5784, C (317) 490-8978 • dwood@creativeplanningstrategies.com • www.creativeplanningstrategies.com • Registered Assistant – Jennifer Yahne • 317-816-5789 – jyahne@creativeplanningstrategies.com • Securities and investment advisory services offered through Osaic Wealth, Inc,, member FINRA/SIPC and a Registered Investment Advisor. Insurance Services offered through WSI, Inc. DBA Creative Planning Strategies and is not affiliated with Osaic Wealth, Inc. Osaic Wealth, Inc. does not offer long-term care services. Introduction

Information contained s proprietary, confidential and non-public and is not for public release. Registered representative and retirement educational seminars are provided by Voya Financial Partners, LLC. (member SIPC) Hi, my name is... Colin Welton Client relationship Manager Indianapolis, IN Introduction

Information contained s proprietary, confidential and non-public and is not for public release. Agenda • Create a budget • Trim your spending • Pay down your debt • Establish/Maintain an emergency fund • Invest for your future • Assign/Update your Beneficiaries • Set other goals • Get help

Information contained s proprietary, confidential and non-public and is not for public release. Why financial wellness matters U.S. adults say that money negatively impacts their mental health 1 of adults indicated feeling anxious when thinking about their personal finances 2 of adults risk of developing a serious health problem due to financial stress 2 65% 60% 47% 1. Bankrate, Personal Finance Financial Wellness Survey, May 2024 https://www.bankrate.com/banking/ways-to-manage-financial-stress/ / 2. Time, Is Money Making You Sick?” 4/15/2024 https://time.com/6966650/money-stress-illness/

Information contained s proprietary, confidential and non-public and is not for public release. Get organized and Get Started 7 things to do

Information contained s proprietary, confidential and non-public and is not for public release. Tip 1: Create a budget 50% Needs 30% Wants 20% Savings Add up all of your monthly expenses

Information contained s proprietary, confidential and non-public and is not for public release. Creating your budget Income - Month expenses = Surplus OR Deficit  

Information contained s proprietary, confidential and non-public and is not for public release. Online budget tools Available at voya.com

Information contained s proprietary, confidential and non-public and is not for public release. Tip 2: Trim your spending Recurring expenses and subscriptions Dining and entertainment Monthly bills Extras

Information contained s proprietary, confidential and non-public and is not for public release. Tip 3: Pay down your debt • List out your debt • Prioritize • Work through your list • Continue saving • Consider consolidating debt • Negotiate a lower rate

Information contained s proprietary, confidential and non-public and is not for public release. Easy steps to get started: • Pay down highest interest debt first • Keep saving for retirement and don’t dip into that savings to pay off your debt • Use cash for everyday purchases • Be disciplined with credit cards • Use good debt but stay away from bad debt How would life change for you if you were debt-free? Knowing where to start is important to reducing and eliminating debt. Tip 3: Pay down your debt

Information contained s proprietary, confidential and non-public and is not for public release. Tip 4: Establish/Maintain an emergency fund Saving for the unexpected involves making sure you have enough money set aside in an emergency fund to cover expenses and protect yourself when life hands you a few surprises.

Information contained s proprietary, confidential and non-public and is not for public release. Tip 4: Establish/Maintain an emergency fund 1 Start small Save regularly 2 3 Slowly build

Information contained s proprietary, confidential and non-public and is not for public release. Emergency Fund: Make it easy on yourself Separate Quick access and separate from daily bank account • Savings account • Money market account Automate Set up automatic transfers • Each time you get a paycheck • Auto payroll deductions

Information contained s proprietary, confidential and non-public and is not for public release. Tip 5: Invest for your future + $55,002 Person A ends up with more when he contributes less...more time to grow! The sooner you start, the better. $48,000 $191,696 TOTAL CONTRIBUTIONS TOTAL SAVINGS From age 25-65, I contributed $100/month. A $72,000 $136,694 TOTAL CONTRIBUTIONS TOTAL SAVINGS From age 45-65, I contributed $300/month. B Assumes each account earns an annual tax-deferred rate of return of 6.00% compounded monthly. This illustration is hypothetical, is not guaranteed and is not intended to reflect the performance of any specific investment or security. You should consider your financial ability to continue investing consistently in up as well as down markets. In addition, these figures do not reflect taxes or any fees, expenses or charges of any investment product. Taxes are generally due upon withdrawal and early withdrawal penalties may apply to withdrawals taken prior to age 59½. You should consult with a tax advisor or tax attorney prior to implementing tax based decisions. Legal and tax advice are not offered by Voya Financial and its representatives.

Information contained s proprietary, confidential and non-public and is not for public release. $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 $140,000 10 years 20 years 30 years $15/week $25/week $35/week Assumes 6 percent hypothetical rate of return and contributions made at the beginning of each month. This illustration is hypothetical, is not guaranteed, and is not intended to reflect the performance of any specific investment. There is no assurance that increasing contributions will generate investment success. In addition, these figures do not reflect taxes or any fees or charges that may be assessed by the investments. The tax-deferred investment will be subject to taxes on withdrawal. Systematic retirement plan contributions do not ensure a profit nor guarantee against loss. Tip 5: Invest for your future

Information contained s proprietary, confidential and non-public and is not for public release. Tip 5: Invest for your future • Each drop in price presents a buying opportunity • Accept market volatility • Market corrections typically come back around to – the reason why you stick to the plan • The impact on your retirement savings Stay invested during market volatility

Information contained s proprietary, confidential and non-public and is not for public release. Tips for investing Investing tips to live by: • Start Early...it is never too late • Invest at your own pace • Invest only what you do not currently need • Do not time the market • Diversify • Do not obsess over day-to-day performance Using diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss in declining markets. Tip: Always remember the advantages of your company match, and its impact on your savings!

Information contained s proprietary, confidential and non-public and is not for public release. Plan Options Pre-tax Contributions • Contributions are before-tax and will reduce taxable income • Growth on contributions are tax-deferred • Taxes are paid on your contributions and any earnings at distribution Roth 401(k) Contributions • Contributions are after-tax and will not reduce taxable income • Growth on contributions are tax-deferred • Potential tax-free distribution 1 on contributions and related earnings 1 Qualified tax-free distributions on the earnings from a Roth 401(k) occur after the participant reaches age 59½ OR on account of the participant’s death or disability AND after the participant has held the account for at least five years

Information contained s proprietary, confidential and non-public and is not for public release. myOrangeMoney ® Shows how your contribution percentage affects your projected monthly retirement income. Tip 5: Check in on your retirement investments IMPORTANT : The illustrations or other information generated by the calculators are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual tax situation.

Information contained s proprietary, confidential and non-public and is not for public release. Tip 6: Assign/Update your beneficiaries Review your beneficiaries on all your financial accounts. Visit VoyaCares.com to learn more about special needs planning for individuals and caregivers.

Information contained s proprietary, confidential and non-public and is not for public release. Tip 7: Set other goals Set your goal Determine amount to save Timing to achieve goal Automate your savings

Information contained s proprietary, confidential and non-public and is not for public release. 1 Create a Budget Recap 2 Trim your Spending 3 Pay down your debt 4 Establish/Maintain an emergency fund 5 Invest for your future 6 Assign/Update your Beneficiaries 7 Set other goals *Using diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss in declining markets.

Information contained s proprietary, confidential and non-public and is not for public release. Review your situation Explore your options Create a plan that fits your needs Adjust your plan to last your life How can we help?

Information contained s proprietary, confidential and non-public and is not for public release. 1 Enroll today Make the most of your plan 2 Set a goal 3 Evaluate your risk and reward tolerance 4 Consider the Employer Contribution 5 Review your investment options carefully 6 Create a diversified portfolio* 7 Review your portfolio regularly *Using diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss in declining markets.

Information contained s proprietary, confidential and non-public and is not for public release. Additional resources Select “your other retirement savings and income” under “your retirement savings” to add outside retirement accounts, including your spouse or partner’s retirement account balance. Voya.com Voya Learn Ready to learn more? Visit our Voya Learn education library to sign up for upcoming live sessions or browse one through our on-demand video series on everything related to financial wellness at www.voyalearn.com

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Information contained s proprietary, confidential and non-public and is not for public release. The Voya Retire mobile app Download the Voya Retire mobile app to save in a snap Scan QR code The Voya retire mobile app is available on the App store or Google Play (keyword: Retire) We’re passionate about making your life easier. Download the Voya Retire mobile app to save in a snap We’ve made it easy, intuitive and secure for you to save all in one place. The Voya Retire mobile app was designed for you – to meet you where you are – so you can help boost your retirement savings and manage your money all while on the go.

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