Help Your Employees Build A Strong Financial IQ

Steps to Financial Peace of Mind

Most of us have experienced stress, anxiety, and shame around money. It's an emotional topic that, when avoided, can take a toll on our wellbeing. In this health talk session, you will learn how your history with money affects your current financial situation and how to set goals and expectations for your future. Attendees will develop a plan for helping secure financial certainty, with the long-term goal of finding sustainable financial success for peace of mind.

Employee Stock Options

ESO? RSS? RSU? No, those are not typos, just common stock lingo you might need to brush up on. But no worries, we’ll review them together. In this health talk session, attendees will study different employee stock options (ESOs) available to them, review the attributes of stock awards (e.g. Restricted Stock Units and Restricted Stock Shares), and discuss all income tax considerations and consequences. Walk away with more knowledge on how to maximize your financial benefits and contribute to your company’s growth.

Investing Bootcamp

Money is America’s top stressor, but it doesn't have to be. Once you sift through the technical jargon, investment suddenly becomes more accessible. In this health talk session, participants will build their foundational knowledge on investments, reviewing key topics like the difference between stocks and bonds, what mutual funds and EFTs are, and asset allocation. You'll learn about the key drivers of stock and bond prices, how to reduce concentration risk, and how to invest in a taxable account. Harness your investing power, and utilize your resources with this confidence-boosting financial wellness session.

Establish the Right Investment Accounts

Once you're ready to begin investing, you'll want to gain some practical market experience. And don't worry, we have a way of testing your new financial skills and knowledge risk-free. In this social engagement session, you'll learn how to purchase stocks, bonds, mutual funds, and exchange-traded funds (ETFs) using an online simulator. You’ll also discuss the benefits of diversified investments, individual securities, robo-advisors, and management accounts. This session is often taken after the Investing Bootcamp session.

Ready for Retirement

Retirement means two major financial changes: new healthcare expenses and not having a regular paycheck anymore. To prepare for these adjustments, we need to understand how to support ourselves financially when we retire. In this health talk session, a certified financial professional will help participants understand health insurances, why they should start collecting social security benefits (and when), and how to generate a regular income stream after retirement from 401(k)s, IRAs, and taxable accounts. You'll also review Medicare, Medicaid, and Supplemental plans to help you maintain financial wellness during retirement.

Sell, Hold, or Give?

The stock market can feel chaotic, like a huge auction with millions of investors shouting at you to sell or buy stocks. Luckily, you have more control over managing your company shares. In this health talk session, participants will discover new ways to think about and strategize company stocks. We'll talk about diversification versus concentration of shares, charitable giving options, and an overview of income tax share options and RSUs. By the end of the session, you will have a better idea of when (or whether to) sell, hold, or give away your shares.

How to Improve Financial Wellness

Feeling good about personal finance is all about taking control, organizing spending, and having clear goals. Not only that, you need a plan in place to work towards and achieve these goals. In this health talk session, we'll launch into setting financial goals and creating a strategy to pursue them. Attendees will first assess their current financial standing and learn the basics of personal finance from retirement funds to managing daily expenses. Participants will rethink and redefine their relationship with money and what financial wellness means on a personal level.

Estate Planning FAQs

Ever wonder what an estate is and why you need an estate plan? How do you get started on yours? In this health talk, participants will define ‘estate’ and ‘estate plan’ and then review the process of estate planning. We'll study key steps like titling, gathering your documents, and ensuring that your structures are in place. Lastly, we'll go over the four core components of an estate plan: a will, a trust, and two durable powers of attorney for financial and health matters. Along the way, you'll discover mistakes to avoid when estate planning.

Becoming an Investor

Investing can be daunting. The vocabulary alone can make us shy away instantly—risk tolerances, investor profiles, asset allocation. But what if you had a step-by-step process to help determine what type of investor you are? In this social engagement session, you'll be guided through a risk tolerance assessment to identify investments according to your personal goals and discuss what your investor profile says about your appropriate asset allocation. This session is often taken after the Investing Bootcamp session.

Personal Budgeting and Tracking

Want to tighten up your budget and tracking before venturing out to investments? Smart move! In this social engagement session, you’ll get hands-on experience with cash flow and budget tracking using a worksheet. Participants will select budget categories most relevant to their financial situation and match percentages to develop a personalized template. You'll also learn beneficial saving and investing strategies for when you're ready to improve other parts of your financial wellness. This session is often taken after the Investing Bootcamp session.

Restricted Stock Units (RSUs)

When you have employee benefits, you might have financial perks like grants for company shares. Known as restricted stock units (RSUs), these shares are given to employees but hold no value until the vesting period is complete, which varies between organizations. In this health talk session, we’ll review a case study following an employee’s RSUs lifecycle from grant, to vest, to the sale of shares. Learn the attributes of RSUs, vetting plans, and distribution schedules so you can make an informed decision before accepting RSUs. Come with questions about tax considerations and consequences, and leave with the best share-selling strategies.

Introduction to Income Taxes

Whether you hire a tax preparer or file your tax return yourself, understanding the taxation process is necessary. Time to study the tax basics like W-2s, 1099s, income and AGI, deductions, and credits! In this health talk session, you'll learn how federal income taxation works, what you need to complete a tax return, and how to complete the process. To get you ready for tax season, we'll fill out a Form 1040 as an example since it’s the most common type used by employees.