Principal Financial Group

Identify protection strategies to enhance your business and employees' financial well-being.

Empower your workforce with tailored retirement benefits and streamlined administration for enhanced financial security.

Help employees save for retirement through customized plans, including 401(k), 403(b), and more.

Comprehensive employee benefits to attract and retain top talent.

Streamline employee benefits administration and enhance engagement through comprehensive insurance services.

Comprehensive estate planning services to secure your legacy and ensure tax-efficient asset transfer.

Privately Held And Public Organizations

Private and public companies seeking protection, succession planning, and employee financial well-being guidance.

Geography: North America, Europe, Asia-Pacific

How we help: Risk protection and wealth planning guidance for private and public companies, aligning protection, succession, and talent strategies with business goals.

Large Employers With Retirement And Benefits Programs

Large employers requiring tailored retirement plans, benefits administration, and HR system integration.

Geography: North America, Europe, Asia-Pacific

How we help: Integrated benefits and retirement programs that simplify administration, ensure compliance, and align employer and employee outcomes.

Mid Market Employers

Mid-sized companies seeking scalable group benefits and compliance support.

Geography: North America, Europe

How we help: Scalable group benefits and retirement program support for mid-market organizations to improve adoption, governance, and cost efficiency.

High Net Worth Individuals And Families

High-net-worth individuals seeking wealth transfer and estate legacy planning.

Geography: Global

How we help: Estate and gifting strategies to optimize wealth transfer, minimize taxes, and preserve family legacies.

Financial Professionals And Advisors

Advisors serving clients needing risk management and wealth planning support.

Geography: Global

How we help: Empowering advisors to deliver cohesive risk, benefits, and wealth planning solutions with scalable tools.

Administration, recordkeeping, plan design, and participant education for employer-sponsored retirement plans (401(k), 403(b), ESOPs) to support employee savings and fiduciary compliance.

Products: Retirement Plans Suite, Total Retirement Solutions

Employer-provided group coverage including life, disability, dental, vision, accident, and critical illness insurance to protect employee financial well-being.

Products: Group Benefits Comprehensive

Enrollment, ongoing administration, employee communication, and regulatory compliance services that simplify benefits delivery for HR and benefits teams.

Products: Insurance and Administration Services

Buy-sell planning, key employee protection, and tailored business risk assessments to preserve continuity and align owner financial objectives.

Products: Business Needs Assessment

Wealth transfer, gifting and trust strategies, and estate documentation support to minimize taxes and ensure orderly distribution of personal and business assets.

Products: Legacy & Estate Planning

Business Needs Assessment

The Principal Business Needs Assessment helps privately held and public organizations explore best practices to protect the business and its employees. It yields a personalized report with analysis and actionable feedback to align priorities with protection, buy-sell planning, and key employee strategies.

• Gain Clear Recommendations
  Obtain detailed, actionable insights that guide business owners towards implementing effective protective measures.
• Ensure Smooth Transitions
  Access expert advice on structuring buy-sell agreements to facilitate transitions in ownership with minimal disruptions.
• Receive Tailored Reports
  Get a customized analysis of your business’s needs, helping to identify key areas for improvement and risk management.
• Align Protection With Goals
  Ensure that protective measures are strategically aligned with the business's long-term financial objectives for increased sustainability.
• Boost Employee Retention
  Implement effective retention policies that support key employees' financial futures and enhance loyalty.

Total Retirement Solutions

A comprehensive retirement plan program for large employers that combines retirement plan products and services, including tailored plans, streamlined administration, participant education, and HR system integration to support business growth and employee financial security.

• Custom Solutions
  Delivers tailored retirement plans designed to meet the unique needs of your workforce and enhance employee satisfaction.
• Streamline Plan Management
  Provides a centralized platform for recordkeeping, reducing administrative burdens for HR teams and ensuring compliance.
• Boost Employee Engagement
  Offers comprehensive educational resources to enhance employees' understanding of retirement options and encourage active participation.
• Attract Key Talent
  Offers tailored executive compensation solutions that help retain leadership talent and align with business goals.
• Enhance User Experience
  Utilizes advanced technology to create personalized and user-friendly retirement planning experiences for employees.

Retirement Plans Suite

Comprehensive employer-sponsored retirement plans including 401(k), 403(b), and ESOPs designed to help employees save with flexible investment options and administrative support, enhancing overall financial wellness.

• Offers Diverse Investment Choices
  Participants can select from a variety of investment options tailored to their financial goals, improving their retirement savings potential.
• Simplifies Plan Administration
  Professional recordkeeping services help employers manage their retirement plans efficiently, ensuring compliance and accuracy.
• Allows Customizable Solutions
  Employers can adapt their retirement plans to align with their workforce requirements and changing business conditions.
• Simplify ESOP Management
  Principal’s comprehensive management services simplify ESOP operations, helping you stay compliant and manage participant needs efficiently.
• Empowers Employees with Knowledge
  Educational resources help employees make informed decisions about their retirement savings and investment choices.

Group Benefits Comprehensive

A suite of employee benefits including life, dental, vision, and disability coverage integrated with enrollment and administration services.

• Income Protection When Disabled
  Provides crucial income replacement which allows employees to focus on recovery without worrying about financial obligations.
• Provides Access To Many Dentists
  With one of the largest dental provider networks in the country, employees can easily find local dentists that are in-network, minimizing out-of-pocket expenses and maximizing convenience.
• Covers Exams And Lenses
  Helps minimize out-of-pocket expenses for essential eye care services, including routine exams and necessary corrective lenses.
• Receive Immediate Cash Benefit
  Employees receive an upfront lump-sum payment upon covered injuries, enabling quick financial relief that can be used for various expenses such as medical costs, transportation, and lost wages.
• Receive Cash When Diagnosed
  Employees receive a lump-sum cash benefit upon diagnosis of a specified critical illness, allowing them to address medical, travel, or other out-of-pocket expenses during treatment.
• Protection for Loved Ones
  Ensures financial support for the beneficiaries of employees, helping families manage financial obligations in case of an employee's untimely death.

Insurance and Administration Services

Enrollment, education, and ongoing administration services for group benefits, helping employers implement and manage their employee insurance offerings effectively.

• Enhance Employee Participation
  Tailored education and enrollment programs provide employees with clear understanding of their options, leading to higher participation rates in benefits offerings.
• Streamline Benefit Management
  Includes online tools and systems for administrators to easily manage benefits, reducing workload and increasing accuracy in benefit administration.
• Provide Continuous Assistance
  Dedicated support teams assist with questions and education, ensuring both employers and employees understand their coverage and options.
• Ensure Regulatory Compliance
  Assures that employers remain compliant with industry regulations concerning employee insurance offerings, minimizing the risk of penalties.

Legacy & Estate Planning

Estate transfer planning to minimize taxes, evenly distribute inheritances, maximize distributions, and design trust and gifting strategies. This service ensures a smooth transition of both personal and business assets when the time comes, allowing clients to focus on what matters most—leaving a legacy for their loved ones.

• Facilitate Smooth Wealth Transfers
  Utilize specialized techniques to ensure that wealth is transferred smoothly and efficiently, reducing complications for future generations.
• Optimize Estate Distributions
  Implement innovative gifting and trust strategies to minimize tax liabilities while ensuring equitable distribution among heirs.
• Ensure Fair Inheritance Distribution
  Design plans that equalize inheritances, taking individual needs and family dynamics into consideration for a smoother transfer.
• Provide Essential Documentation Assistance
  Assist in preparing necessary estate planning documents to ensure compliance and clarity in your estate plans.