FOR BUSINESS OWNERS
Solutions That Give Business Owners and
Executives an Edge

You can count on us. For more than 125 years, business leaders across
America have leaned on the Principal Financial Group®
(The Principal®) to help them secure their financial futures.
As a member of the FORTUNE 500, we have a depth of resources
and understanding of the retirement and employee benefit needs of
business owners like you. Working with us puts you in the company
of more than 15 million individuals and their families served by our
diversified family of insurance and financial services companies.

Will your business continue to
provide financial security for you,
your key employees and your
families?
How will you recruit and retain
your key employees?

Prepare for
financial security
Financial challenges and opportunities inevitably lie
ahead. As a business owner, you should be prepared.
You need to identify all of the financial needs of you,
your business and your key employees. Then, you
can assess the role of your company in meeting these
needs. Considering all the options can help maximize
the effectiveness of your business for everyone involved.

Tailored solutions
The Principal gives you access to a complete package of customized solutions
to help give an edge to you, your business and your key employees. These
solutions have been categorized into six primary areas of financial need. After
helping you identify and prioritize your needs, we can focus on offering
solutions to enhance your financial security.

Exit planning
What is your business worth? Is there a market for selling it? Do you have a
succession plan in place? A comprehensive plan will address your exit timeline, the
proper value of your business and to whom you want to transfer your business.
For example, if you choose to sell your business, a sale generating a low income
stream may result in an “income gap,” while a sale generating a high income stream
may trigger other planning challenges and opportunities. In either case, working
with your tax and legal advisors, The Principal can help you customize a plan to
meet your overall objectives.
Wealth transfer
Are you ready to preserve what it has taken you a lifetime to accumulate?
Help minimize the impact of taxes and expenses on your estate and on your business
upon your death. The effective transfer of assets to your intended beneficiaries is a
top priority for most successful owners and can be accomplished with effective estate
and business planning techniques.

Business protection
Could your business continue without a partner, a key employee – or even you?
We can help you implement business protection strategies to preserve, protect and
promote the value of your business in order to better facilitate a subsequent transfer
to family members, key employees, other owners or third parties.
Retirement income
Are you and your key employees able to save enough money for retirement?
Limitations in qualified plans and Social Security create a “retirement gap,” causing
you to receive as little as 30% of your current income at retirement. The Principal is
uniquely positioned to help provide you with a consolidated, seamless solution that
can provide retirement plan services and benefits for you and all of your employees.

Survivor income
Is your family’s future protected should something happen to you or your
business? You know how to operate a successful business. Our survivor income
solutions can help provide peace of mind for you knowing your family can achieve
financial objectives such as paying for college or paying off a mortgage should
something happen to you.
Income protection
Would a disability have a devastating impact on your financial security should
you become too sick or hurt to work? The Principal can help minimize that impact
should the unexpected happen. You need to protect your savings or retirement
assets from being spent on keeping the doors of your business open until you could
return to work.

Address all your employer needss
In addition to the individual needs of you and your employees, your business is likely
also interested in offering group benefits and retirement plans. You can rely on The
Principal for a broad spectrum of qualified retirement plan solutions as well as group
insurance products and services.
Retirement plans
• 401(k) • SIMPLE IRA
• Defined benefit • 403(b)
• Money purchase • 457 (for governmental entities)
• Profit sharing • Employee stock ownership plan
(ESOP)
• 412(i) defined benefit
• SEP IRA
Group benefits
• Comprehensive medical • Dental insurance
insurance
• Vision insurance
• Prescription drug expense
• Administrative services only
insurance
(ASO)
• Group life insurance
• Section 125 plans
• Group disability insurance

The tailored edge you need
At The Principal, we make it easy to implement effective solutions that meet your
needs and priorities.
Talk to us. Using our simple checklist, you can answer six questions that will help us
set your objectives by identifying your needs and priorities.
Rely on us. We’re the experts so that you don’t have to be. We will help you analyze
and assess your situation. With experience in estate and business planning, our team
includes attorneys, Certified Public Accountants®1 and other professionals. Let us help
you design tailored solutions for your individual needs.
Take action with us. Our leadership in post-sale administrative services can help
make your job easier. As the nation’s 401(k) leader2 and the #1 deferred
compensation plan record keeper3, we offer the complete package – the expertise,
the products, the administrative services. It’s all in one place. It’s all to help give you
a financial edge.
FOR MORE INFORMATION
To learn more about how The Principal can give you a business and personal edge,
contact your financial representative.
1
Attorneys and CPAs do not provide legal, tax or accounting services on behalf of the companies of the Principal Financial Group®.
2
The May 2005 “Bundled 401(k) Buyer’s Guide” published by Treasury & Risk Management lists The Principal as the 401(k) leader based on the total number of plans administered.
3
Based on number of plans record kept, PLANSPONSOR, December 2005

WE’LL GIVE YOU AN EDGESM
While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the
subject matter covered and is provided with the understanding that The Principal® is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be
used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting
obligations and requirements.
Principal Life Insurance Company, Des Moines, Iowa 50392-0002, www.principal.com
Insurance issued by Principal Life Insurance Company. Principal Life is a member of the Principal Financial Group, Des Moines, IA 50392.
Not FDIC insured. May lose value, no bank guarantee. Not a deposit. Not insured by any federal government entity.
BB 9349-1 | 07/2006 | #4196062008