Burr&FormanSamplesBook.pdf

Personalizing the Communication Experience Communication Samples for Burr & Forman LLP June 2017Fidelity Brokerage Services LLC, Member NYSE, SIPC900 Salem Street, Smithfield, RI 02917



Every JourneyBegins with JustOne StepBeing present throughout employees'lives at the moments that matter alongtheir unique journey is our guidingfocus.We help employees with what mattersmost now, while showing them a path toretirement.

Supporting Your Employees' Financial Goals

Your Employees' Financial Needs Are UniqueHelping All Employees Live Well, Now and into Retirement Associate Getting Started Budget Management Emergency Savings Debt Prioritization Support Staff Juggling Priorities Competing Financial Priorities Struggling with Debt Limited Retirement Savings Partner Navigating Financial Decisions Income Plan/Protection Health Care/Medicare Support Social Security 5

Our ApproachTrack Retirement ProgressQuarterly Check-InsAssess savings and investing progress,while providing personalized educationfor overall financial well-beingMeet Broader FinancialWellness NeedsWellness Touch PointsDeliver tips and tools regularly,focusing on broader financial needsAlign with MomentsThat MatterTriggers and AlertsEnsure timely action for keymoments and important life eventsConsistent Experience No MatterHow Your Employees Prefer to Connect• Web • Actionable Communications• Mobile • Phone Conversations• Workshops • Local Investor Centers 6

Enrollment: EasyEnroll Two-Click, 60-Second Enrollment process consistent across devices Burr & Forman LLP Logout EasyEnroll ?Jane Sample Secure Login Select a Starter Package % $Burr & Forman 401(k) In 60 seconds or less, enroll in your workplace savings plan by selecting a Starter Package below. Remember, you can modify any details later.Easy Today. How are these numbers calculated?Smart GoingForward. 8% Contributed per Paycheck, Pre-tax 1% Annual Increase Invested in: BLACKROCK LIFEPATH 2030In just 60 seconds, get started in your 10%Retirement Plan right now. Contributed per Paycheck, Pre-taxEasyEnroll now 1% Annual Increase Invested in: BLACKROCK LIFEPATH 2030Choose a savings approach that suits 12%you today—then, feel free to adjust it anytime to fit your changing needs. One-on- Contributed per Paycheck, Pre-taxone guidance is always available.Questions? Talk to a Fidelity Guidance 1% Annual IncreaseRepresentative at 8Y00o-u3r544-0615(3k5). Retirement Plan Invested in: BLACKROCK LIFEPATH 2030 Change About Investment Employer Annual Starter Information Contribution Increase Packages Easy today. Smart going forward. Other Enroll Enrollment Later Get started in Choose a savings approach that 60 seconds with suits you today—and adjust it Options EasyEnroll. any time to fit your changing needs. Enroll now: NetBenefits.com/Easy 8.4% vs. 7% Get a reminder to enroll later: Text START to 343898* Traditional Enrollment Option Also Available EasyEnroll savings Text Reminder Campaignrate when compared to standard enrollment*Communication samples are for illustrative purposes only.*Average starting deferral rates are based on year-to-date Q3 2016 data results. EasyEnroll data is for those who elect the preset packages offered bythe employer (for plans offering 8%, 10% or 12% choices) and the standard enroll data reflects the people in those plans that choose their ownamount with the preset packages. Average deferral rates are employee contributions only. 7

Newly Enrolled Onboarding CampaignJane Sample Secure LoginBurr & Forman 401(k)Take 5 minutes to get started Over 60%with your next steps. Open Rate*You’ve taken a great first step for your future by getting started in your and more than 1,000workplace savings plan. Keep moving in the right direction by following different messagingthe steps below: combinationsYour next steps Secure LoginCreate your username and password so you can:• Check your balance and make changes to your account Jane Sample• Access an online library of tools, educational articles, videos, Burr & Forman 401(k)podcasts and mobile apps to help you learn about and manage yourinvestmentsSet up your account profile: Make your next step with your new plan the best one yet.• Designate a beneficiary• Update your email address All it takes is one new step to make progress. That's what our most• Choose how you want to receive plan information successful savers do to help them get the most out of their plan. Take a few minutes to try one new thing now and take a step toward a better future.To help make the most of your retirement savings, have aone-on-one consultation with a Fidelity Representative at Your next steps800-608-4015 about the topics below. To help make the most of your retirement savings, have a one-on-one• Ways to simplify the management of retirement accounts consultation with a Fidelity Representative at 800-608-4015 about the you may have with former employers topics below.• How to get the most out of your savings and • Ways to simplify the management of retirement accounts you may have investment options with former employers • How to get the most out of your savings and investment options Log in to learn something new and get help making choices with your plan and other important financial decisions. Jane Sample If you haven't already, please set up your account prBofuilerr. B&eFsourremtoan 401(k) Secure Login designate a beneficiary, update your email address, and choose how you want to receive plan documents and information. Together, we can uncomplicate your retirement plan.Jane Sample Secure Login Burr & Forman LLP has teamed up with Fidelity® Portfolio AdvisoryBurr & Forman 401(k) Service at Work to offer you a team of professionals who can work with you to create and manage your investment strategy. They will review your personal situation — and your spouse’s if applicable— considering your Burr & Forman LLP plan, your comfort with the ups and downs of the markets, financial goals, and other sources of retirement savings and income — such as IRAs, pensions, or stock plans.You may be missing out on Fidelity® Portfolio Advisory Service at Work will:\"free\" money. 1 Create an investment strategy based on your personal situationYou took a great step toward your future by starting to save in your 2 Monitor your investments through market ups and downsworkplace savings plan. But because you are saving less than youremployer match, you could be losing out on \"free\" money. 3 Work with you to adjust your approach as your life changesYour next steps 4 Provide an annual update on where you stand• Learn more and increase your contribution; just a small change Your next steps could mean more \"free\" money than you might realize • Call 866-811-6041 today and together we can set up a strategy that• Or, get help from a Fidelity Representative at 800-608-4015 helps you take the next step forward with your retirement plan • Or learn more online.Communication samples are for illustrative purposes only. For Plan Sponsor Advisory Service at Work Users*CKSI–Q3 2015. 8

Financial Wellness: MyMoney Check-UpJoe Sample Secure Login Your Employees Can:Burr & Forman 401(k) • Create personalized financial roadmap Are you ready to take control of DEBT, • Prioritize finances—paying down debt DAY-TO-DAY EXPENSES, and versus saving for an emergency UNEXPECTED FINANCIAL NEEDS? • Analyze strengths and opportunities to improveFind out and get on the right path so you can help make your financial life what you want it to be. TELL US YOUR STORYIn less than 10 minutes, you’ll get tips and easy-to-use tools to help you make your next move. My first name is FIRST NAME, and I am a/an AGE-year-old GENDER. Fill in the blanksGive it a try: Text \"FIT\" to 343-898 50% of those completing the assessment continued on to the next steps*Communication samples are for illustrative purposes only.*Fidelity Investments, Financial Wellness Campaign Results, November 2016. 9

Financial Wellness:Student Loans or Retirement Savings?Jane Sample Secure Login Targeting Those EmployeesBurr & Forman 401(k) Who Need Help With:To pay or to save? • Prioritize saving andThat is the question. spending choices Should you be paying off • Establish good financial habits your student loans or saving for retirement? • Prepare for important financial milestones (home, baby, paying Find out off student debt)\"Split Decisions Videos\"Communication samples are for illustrative purposes only. 10

Financial Wellness: Spring Cleaning Your FinancesJoe Sample Secure Login Providing Your EmployeesBurr & Forman 401(k) Tips, Including: Let’s spruce up • Digitize important documents your finances • Reassess tax withholdings • Review financial goalsTidying up your finances is even easier thancleaning out your junk drawer with thischecklist. We’ve got tips and tricks to helpyou organize your finances this spring. See the ChecklistNow that your finances are so clean you could eat off ofthem, make sure your documents are secure withFidSafe®. FidSafe® is Fidelity’s safe, easy, no-cost way tostore, access and share digital copies of your mostimportant documents. Sign up today. Communication samples are for illustrative purposes only. 11

Financial Wellness: Interactive Digital Experience Three Digital Experiences to Help Your Employees: • Make smarter money decisions • Take steps to reshape their financial life • Grow and protect what they've savedFinancial Firsts Microsite Financial Basics MicrositeFinancially Established Microsite Communication samples are for illustrative purposes only. 12

Financial Wellness: Planning for Multiple GoalsJoe Sample Secure Login Assist Employees SavingBurr & Forman 401(k) for Multiple Goals:5 tips to get you started • Identify and prioritize goals–big or smallYou've nailed it! You're doing a great job saving in your workplace savings plan. Let'skeep it going! We've got additional tips that you can use today, and over time, to help you • Determine appropriateon your path to financial freedom: savings amount • Track progress Give us a call at 800-328-4008 to discuss your goals. Or check Joe Sample Secure Login out 5 tips to becoming a super saver. Burr & Forman 401(k)Call Live Financial Wellness How do I save for Support Available multiple goals? Get tips and tricks to help make saving for all of your goals easier than ever. Learn how Or call 800-798-2363Communication samples are for illustrative purposes only. 13

Quarterly Check-In: Investments Need AttentionCustomizing Each Secure LoginEmployee's Journey: Jane Sample• Quarterly Progress Report Burr & Forman 401(k) for your employee's finances Welcome to your first Quarterly Check-in!• 160,000 personalized messaging combinations Think of this as an ongoing progress report for your finances — helping you take control of everyday money matters so you can more confidently look to the future. From managing debt to understanding when to take• Delivered four times per year Social Security, each Check-in is filled with ideas to help you make your next decisions. Here’s what you’ll get: • How You’re Doing: Shows how you’re tracking toward retirement in your workplace savings plan, and next steps to help you get there. • Top Picks for You: Shares tips and tools for managing day-to-day needs and big financial moments. Dig in and try out a few suggestions — and watch your inbox for future updates. Not sure what moves to make next? Talk with a Fidelity representative for help getting on a path to the financial life you want. 800-206-4015 How You're Doing YOUR SAVINGS: On track Saving is a great first step. Now, find out whether you'll have enough in retirement to cover your expenses. Get your readiness score and see different way to help improve the outcome. Get your readiness score YOUR ASSET MIX: May need attention Having the right mix of investments helps ensure you don't take on too much risk, or miss out on growth opportunities. Based on the stock holdings in your workplace savings plan, your mix appears to be off track and my be too aggressive for your age. Get tips for investing Are you saving enough for your future along the way? A good guideline is to save at least three times (3x)* your yearly salary by age 40. The analysis above is based on assets held at Fidelity in your workplace savings plan and does not include other accounts such as an IRA, pension, company stock, or plan with a former employer. Top Picks for You Videos Workshops Articles Be prepared for life's How to pay down debt Feel good about your surprises and save finances An emergency fund helps Get tips for building a Starting with small steps you weather the budges, managing your can put you in control and unexpected, without debt, and boosting your build a strong financial getting into debt. credit score. foundation. Build your safety net >> Get started >> 3 steps for success >>Communication sample is for illustrative purposes only. 14

Quarterly Check-In: Savings Needs AttentionCustomizing Each Secure LoginEmployee's Journey: Jane Sample• Quarterly Progress Report Burr & Forman 401(k) for your employee's finances Welcome to your first Quarterly Check-in!• 160,000 personalized messaging combinations Think of this as an ongoing progress report for your finances — helping you take control of everyday money matters so you can more confidently look to the future. From managing debt to understanding when to take• Delivered four times per year Social Security, each Check-in is filled with ideas to help you make your next decisions. Here’s what you’ll get: • How You’re Doing: Shows how you’re tracking toward retirement in your workplace savings plan, and next steps to help you get there. • Top Picks for You: Shares tips and tools for managing day-to-day needs and big financial moments. Dig in and try out a few suggestions — and watch your inbox for future updates. Not sure what moves to make next? Talk with a Fidelity representative for help getting on a path to the financial life you want. 800-206-4015 How You're Doing YOUR SAVINGS: Needs attention Ready to make big progress with just a small step? As a general guideline, Fidelity suggests saving 15%1 or more for the future. To get there, try making small increases along the way — starting today. See how it can add up YOUR ASSET MIX: On track A single-fund solution, like the one you're in, can help keep your workplace savings plan investments on track. Check to ensure you're in the fund that best aligns with the year in which you plan to retire. View your investments Are you saving enough for retirement along the way? A good guideline is to save at least seven times (7x)* your yearly salary by age 55. The analysis above is based on assets held at Fidelity in your workplace savings plan and does not include other accounts such as an IRA, pension, company stock, or plan with a former employer. Top Picks for You Videos Workshops Articles Be prepared for life's Make reaching your How Social Security surprises goals a breeze works An emergency fund helps Big or small, one or many, Get the skinny on when you weather the get tips to help reach your to claim an how much to unexpected, without most important savings expect. getting into debt. goals. How Social Security Build your safety net >> Get started >> works >>Communication sample is for illustrative purposes only. 15

Retirement AssessmentJane Sample Secure Login Helping Your EmployeesBurr & Forman 401(k) With Specific Needs: Are you really • Gauge financial and emotional ready to retire? retirement readiness across five key factors Your readiness depends on five key factors. Find out where you stand. • Understand next steps Take the quiz • Gain confidence in Or call 800-798-2363. decision-making processOngoing Retirement IncomePlanning Support from aDedicated Representative Emotional Readiness WidgetCommunication samples are for illustrative purposes only. 16

Encouraging Catch-Up ContributionsJoe Sample Secure Login Joe Sample Secure LoginBurr & Forman 401(k) Burr & Forman 401(k)Make progress with the Try doing both to grow10X factor your savingsAs a general rule of thumb, Fidelity suggests To grow your savings even more, there are twosaving at least 10X your pre-retirement income by options that are available to help you prepare for aage 67. We want to help you take steps to get better retirement:there. Together, we will: 1. Max out your workplace savings plan • Review your savings contributions to the IRS savings limit • Discuss future planning to help 2. Catch-up contributions (which you are eligible keep you on track for on January 1 of the year you turn 50) allow • Help you take your next best step you to save beyond the annual IRS limits of your workplace savings plan Increase your contributions or click here to find out if you are on track. Together, we can look at your total financial picture and determine whether taking advantage of one orCall a Fidelity Representative at 888-832-2093 both of these options makes sense for you.to work together to review your savings plan. To learn more about maximizing your savings, call a Fidelity Representative at 888-832-2093. Or make a catch-up contribution today.Keeping YourPre-Retirees on Track Real Stories Targeted MessagingCommunication samples are for illustrative purposes only. 17

Health Care AssessmentHelping Your Pre-Retirees with Health Care DecisionsJane Sample Secure Login Jane Sample Secure LoginBurr & Forman 401(k) Burr & Forman 401(k)Find out how much you Three key questions tomay need get you startedAs you think about health care cost in retirement. It’s Enrolling in Medicare is an important part of your overallimportant to have a plan to determine how you will pay retirement planning. Understanding what Medicare covers andfor them. It is estimated that the average 65-year-old what it doesn’t will help determine any gaps in coverage andcouple retiring in 2016 will need an average of $260,000 how much more you may need for health care in retirement.to cover medical expenses throughout retirement. As eligibility age approaches, there are three questions toYour particular health care costs in retirement will vary, get you thinking about Medicare:of course, depending on your health, insurance andother factors. 1. How does Social Security affect my enrollment? 2. What if I’m still working at 65 and have my employer’s Find out here how much may need. health insurance?Then call a Fidelity Representative at 888-832-2093 and 3. What if I leave my job and miss the enrollment period?together, we will look at how Medicare and other healthcare costs factor into your overall financial plan. Medicare is an important, yet complex topic. For answers to your Medicare questions, click here.Once you have reached Medicare eligibility and are nolonger eligible for your employer’s plan, we can put you To learn more call Fidelity at 888-832-2093.in touch with a licensed benefits representative atTowers Watsons’s OneExchange® to review medical Once you have reached Medicare eligibility and are no longerand/or prescription drug plans that relate to Medicare. eligible for your employer’s plan, talk to a licensed benefits representative at Towers Watsons’s OneExchange® by calling 844-448-7301 to review medical and/or prescription drug plans that relate to Medicare. Or visit OneExchange at medicare.oneexchange.com/FORCommunication samples are for illustrative purposes only. 18

Financial Wellness: Understanding Social SecurityJoe Sample Secure Login Social SecurityBurr & Forman 401(k) Decision Support:Unsure when to take • Model Social SecuritySocial Security? claiming strategies • Make the most of their benefits • Feel confident in making retirement decisionsWhen should you claim your benefit?The timing matters. Find out the best time for you with this simple tool. Get startedOne-on-One Helpand Decision Support Social Security WidgetCommunication samples are for illustrative purposes only. 19

Interactive Savings Challenge: America Saves WeekJane Sample Secure LoginBurr & Forman 401(k)America Saves Week EncourageFebruary 27 – March 4, 2017 participants to increase theirIn honor of America Saves Week, help improve your contribution ratefinancial picture by taking this savings challenge: by 1% in honor of Help grow your future this national eventSmall changes can have a big impact. Take 1%, for instance. Like arolling snowball, a 1% increase in your Theta Savings Plan can build onitself and help impact your financial future. See what your 1% can doOr call a Fidelity representative at 800.247.6256 to learn more.Looking for more tips and pointers?During America Saves Week, get help reaching your most importantfinancial goals. Join Fidelity for a curriculum of live, online workshops on arange of topics — from budgeting and debt management, to college planningand investing. View the calendar and register early as space is limited. Savings Analyzer RegistrationCommunication samples are for illustrative purposes only. 20

An Engaging Transition Strategy

Months 1–2 | Announcement and Interactive Transition Support Transition Site (Desktop)Joe Sample Secure LoginBurr & Forman 401(k) Great News! Your Burr & Forman 401(k) is Important Information & Key Dates moving to FidelityWhat you need to know Great News! Your Burr & Forman 401(k) is moving to Fidelityabout the move to Fidelity Please review important information to learn how your account may be Please review important information to learn how your account may be affected during the move.The Burr & Forman 401(k) will move to Fidelity affected during the move.Investments. Together with Fidelity, we’ll give you The Burr & Forman 401(k) is moving to Fidelity.access to innovative planning and guidance The Burr & Forman 401(k) is moving to Through Fidelity, you will have access to the tools you need and the help you would expect to makeresources, so you’ll have more support than ever as Fidelity. knowledgeable and confident decisions about your savings and spending.you save for your future. Through Fidelity, you will have access Just getting started Living for today Preparing for your nextImportant information about the move to Fidelity is to the tools you need and the help you chaptereasily accessible here in the online transition details. would expect to make knowledgeable From paying down debt and Get in better financial shapePlease review the information carefully and be sure and confident decisions about your keeping up with bills, to budgeting and today, so you can do a whole lot more From everyday money matters, to growingto take note of any key dates and services that may savings and spending. saving for the future. tomorrow. and protecting the life you’ve built, we’rebe temporarily unavailable during the move. here to help View Transition DetailsTransition Email Transition Site (Mobile) Month 3 | Transition Complete Live Support On-Site Workshops, if applicableTransition Complete CommunicationCommunication samples are for illustrative purposes only. 22

Sample Communication & Education Calendar A Communication & Education Program Tailored around Your Benefits Strategy January – March | Q1 April – June | Q2Ongoing Engagement: Ongoing Engagement: Separated Participant Fidelity Viewpoints Distribution Options 4/25 America Saves Week 2/1 Webcast 5/16: Medicare (Versions for DC and HSA) Quarterly Check-In 6/27 Financial Wellness 3/1 Webcast 3/7: Social Security Planning & Managing Debt July – September | Q3 October – December | Q4Ongoing Engagement: Ongoing Engagement: Webcast 7/11: Caring for Loved Ones Financial Wellness 10/17 Financial Wellness 8/8 Separated Participant Annual Check-up 10/24 Quarterly Check-in 9/12 Webcast 9/26: Retirement Income Quarterly Check-In 12/5 Planning & Investing & RiskCommunication Type: Webcasts Email Multi-Type Communication Plan Events Also includes: NetBenefits® Homepage, Library and banners; seasonal social content; participant triggered emails Optional: PAS-W Awareness (choose one: 4/17, 6/5 or 8/21)Dates subject to change. 23



Keep in mind that investing involves risk. The value of your investment will fluctuateover time, and you may gain or lose money.Fidelity® Portfolio Advisory Service at Work is a service of Strategic Advisers, Inc., a registeredinvestment adviser and a Fidelity Investments company. This service provides discretionarymoney management for a fee.Guidance provided by Fidelity through the Planning & Guidance Center is education in mature,is not individualized, and is not intended to serve as the primary basis for your investment ortax-planning decisions.FOR PLAN SPONSOR AND INVESTMENT PROFESSIONAL USE ONLY.Approved for use in the Advisor and 401(k) markets. Firm review may apply.Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917© 2017 FMR LLC. All rights reserved.790893.2.0