Prudential Financial, Inc. Source Advisory

Prudential Financial, Inc. (NYSE:PRU) professionals can offer insight into the benefits of long-term investing and asset allocation during a volatile market, recommend products that substantially reduce investment risk despite drops in the stock market, and provide solutions on how to create successful retirement outcomes in an era where the responsibility for planning for this phase of life is being passed on to the American worker. INVESTMENTS Retirement Planning Myths Robert Fishbein, vice president and corporate counsel, Prudential Financial, is a tax attorney who has analyzed tax wise retirement distribution strategies, as well as and tax and retirement planning opportunities arising from recent tax legislation such as the Pension Protection Act. Included in his published articles is a series about 'debunking' retirement planning myths, from saving for college vs. retirement to when to elect social security. Fishbein also provides insight into the tax legislative landscape and how possible legislative actions might impact tax and retirement planning. E-mail: Lisa.Bennett@prudential.com or call 973.802.2894. Asset Allocation Bernard Winograd, president and CEO of Prudential Investment Management, has published several perspectives that have sparked debate among institutional investors by and challenging modern portfolio theory. Winograd’s perspectives may make you reconsider asset allocation trends in a changing defined benefits world, including issues around alternative or liability driven investing. He can also discuss employers’ and plan sponsors’ need to consider the need for and type of lifetime income product options to be made available in qualified retirement plans, along with the nature of the advice and education provided to those in defined contribution plans. E-mail: theresa.miller@prudential.com or call 973.802.7455. INSURANCE Raising Consumer Consciousness of the Need for LTC Planning and Insurance As baby boomers reach retirement in greater numbers, many are increasingly focused on preparing for care in their golden years. The Prudential Insurance Company of America executives Andrew Mako, senior vice president of Long-Term Care Insurance and Malcolm A. Cheung, FSA, MAAA, vice president of Long-Term Care Product and Risk Management, are available to address recent trends and issues associated with individual and group long-term care insurance, and offer insight to boomers grappling with long-term care insurance’s overwhelming cost to families and the country as a whole. In addition, Mako and Cheung can comment on the implications of the Pension Protection Act; the ongoing discussion in Washington, D.C. about America’s long term care strategy and the funding gap that exists with today's government healthcare programs; and the shifting perceptions and desires of consumers planning for long-term care and living in retirement. E-mail: Sheila.bridgeforth@prudential.com or call 973.802.6852. The Role of Annuities in Preparing for Successful Retirement Outcomes An aging population that is placing increased pressure on the traditional three-legged stool of retirement, combined with a national pastime of spending has many Americans concerned about outliving their money in retirement. Today's annuities can provide a financial boost in retirement -- one that can guarantee a stream of income for life. David Odenath, president, Prudential Annuities can provide answers about innovations like living benefits options that have transformed today's annuity products into a viable retirement income generating solution that can provide a guaranteed lifetime stream of income that won't require investors to relinquish control of their assets. Email: lisa.bennett@prudential.com or call 973.802.2894. Generating Income for Life As Americans in the Retirement Red Zone® search for product strategies that can help generate a guaranteed retirement-income stream, today’s variable annuities are an increasingly viable planning vehicle. Jacob Herschler, vice president, Prudential Annuities is a key source of information on the new generation of income generation and annuity options designed to deliver income for life. Herschler can also discuss the consumer response to the new benefits. Email: alicia.rodgersalston@prudential.com or call 973.802.4446. Innovations in Living Benefits Options Bob O'Donnell, vice president, Prudential Annuities can offer insight into the mechanics of the new living benefits options, as well as new innovations that are revolutionizing the new generation of variable annuities to generate a guaranteed income stream for life. Email: lisa.bennett@prudential.com or call 973.802.2894. Meeting the Life Insurance Needs of the Middle Market More and more consumers are using the Internet to handle their financial transactions as well as research and buy a whole host of financial products and services. Additionally, consumers want to be in control, they want choice and they want to be able to buy what they want and when they want - not to be sold. Middle market consumers are particularly interested in buying insurance based on budget, not calculated need. Joan Cleveland, senior vice president, Business Development in Prudential’s Individual Life Insurance business, can speak to what types of insurance products and automated processes will enable the middle market consumer to do exactly this. Email: janet.Gillespie@prudential.com or call 973.802.8012 Addressing the Declining Number of Producers in the Insurance Market The life insurance industry needs to fill the shoes of the large number of life insurance professionals who may be retiring in the next several years. The overall decline in the number of new agents entering this business, and the decreasing number of trained advisors capable of serving customers at all economic levels is a concern that needs to be addressed. John Greene, president of Prudential's Agency Distribution is available to provide insight into what companies need to do to recruit and retain new agents and build a strong, diverse body of trained producers capable of meeting the needs of consumers. Email: janet.Gillespie@prudential.com or call 973.802.8012 RETIREMENT The Next Generation of Retirement Income Products in 401k Plans Millions of American workers have been saving for retirement for decades but few have focused on what to do with their nest-eggs after they retire. In fact, most look at the assets in the employer-sponsored plans as just "a big pile of money” and have never thought about converting it to a stream of income, nor tried to calculate how much income their assets will purchase. To address this issue, retirement-plan providers are looking at in-plan investment options to help workers transition smoothly into a retirement supported by a guaranteed stream of income from their workplace retirement plan. Mark Foley, vice president, Retirement Income Strategies, can talk about a new era of income products and how they are being embraced enthusiastically by working Americans. E-mail: darrell.oliver@prudential.com or call 973.802.9627. Stable Value is a Critical Component of a Retirement Portfolio Jamie Kalamarides, senior vice president, Prudential Retirement, helps investors who are looking to preserve capital while offering a guaranteed rate of return, understand the benefits of stable value products could be a vital component of an investment diversification strategy -- especially for older participants who are nearing retirement. E-Mail Darrell.Oliver@prudential.com or call 973.802.9627 When Should Married Couples Claim Benefits? Jim Mahaney, vice president, Prudential Retirement, can provide a fascinating discussion on the pros and cons of delaying Social Security benefits (from reduced benefits at age 62 to enhanced benefits at age 70), and the implications for spousal payments when delaying benefits. E-mail: darrell.oliver@prudential.com or call 973.802.9627. 12 Steps to Cure Ailing Retirement Plans To help many working Americans get treatment for their addiction to ignoring and Underutilizing employer-sponsored plans, Prudential has unveiled a program that examines current retirement-plan practices and offers a 12-point series of suggestions to energize defined contribution (DC) programs. The program comprises up-to-date industry data and includes creative, realistic solutions to help overcome existing challenges and help ensure that DC programs remain a vital, effective retirement-planning solution. E-mail: darrell.oliver@prudential.com or call 973.802.9627. Prudential Financial, Inc. (NYSE: PRU), a financial services leader with approximately $637 billion of assets under management as of September 30, 2007, has operations in the United States, Asia, Europe, and Latin America. Leveraging its heritage of life insurance and asset management expertise, Prudential is focused on helping individual and institutional customers grow and protect their wealth. The company’s well-known Rock symbol is an icon of strength, stability, expertise and innovation that has stood the test of time. Prudential's businesses offer a variety of products and services, including life insurance, annuities, retirement-related services, mutual funds, investment management, and real estate services. For more information, please visit www.prudential.com. INST-A025225