Financial Wellness Worksho

pProtecting Families, Finances, and Your Future

TM

Financial Wellness

Debt

Taxes Budgets

Mortgage

1. Accept personal responsibility

2. Know your debts & develop a plan to become debt free

3. Use a budget to control expenses

4. Have an emergency fund and a savings plan

5. Protect yourself from major expenses (Insurance)

6. Earn interest on investments - don't pay interest

6 Keys To Financial Wellness

1. Accept Personal Responsibility• You have the

ability to control your financial wellness

• A journey of a thousand miles begins with a few simple steps

• Start with a few steps today

1. Accept Personal Responsibility

2. List Your Debts & Develop a Plan

• List out all of your debts with the interests rate you are paying

• Develop a plan to pay them off

• Ask for lower interest rates

• Seek professional help www.consumercredit.com

2. List Your Debts

FIVE WAYS TO GET OUT OF DEBT

FASTER

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3. Use a Budget• Prepare a monthly

budget• List out all incomes• Plan out and budget

all expenses• At the end of the

month compare actual expenses with the planned amount

FIVEEASY WAYS TO BUDGET

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3. Use a Budget

4. Have an Emergency Fund and Savings

• Establish an emergency fund

• Don’t spend the whole dollar – Pay yourself first!

• Develop a habit of saving (never less than 10%)

4. Have an Emergency Fund And a Savings Plan

5. Protect Yourself From Major Expenses

• Health• Life• Auto• Legal• Home Owners

5. Protect Yourself From Major Expenses

6. Earn Interest – Don’t Pay Interest• Those that

understand interest earn it – Those that don’t - pay it

• Understand the difference between spending and investing

• Look for ways to earn more interest

6. Earn Interest – Don’t Pay Interest

MONEY SAVING

TIP$

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Money Saving Tips• Look at the options for re-financing

your mortgage at a lower interest rate• Be aware of fees…. ATM fees, Bank

fees, Check cashing fees, and Late fees. These can add up over time

• Take advantage of tax credits for energy efficiency

• Use www.skype.com to reduce long distance costs

• Review your credit report regularly

Money Saving Tips

Money Saving Tips

$80.00 traffic ticket

+ $10.00 a month in increased auto insurance for 36 months

= $440.00 Ticket

Money Saving Tips

• One of the worst financial decisions a person can make is dying without a Last Will and Testament.

• Also have a Durable Power of Attorney

• Keep these documents updated

Money Savings Tips

EMPLOYEEBENEFIT

SUMMARY

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PREVENTIVE LAW

· Unlimited Telephone Consultation

· Letters and Telephone Calls

· Legal Contract & Document Review

· Access To Legal Forms Online

Summary of Benefit Only See membership policy for complete details, limitations and exclusions.

MOTOR VEHICLE

· Assistance with Moving Violations Anywhere in the US

· Drivers License Services

· Defense of Criminal Charges

· Personal Injury and Physical Damages Collection

ESTATE PLANNING

• Preparation of Your Last Will and Testament

• Annual Updates

• Preparation of a Living Will and Durable Power of Attorney

TRIAL DEFENSE

· Defense of Civil Actions

· Pre-Trail and Trial Assistance

· Coverage Increases For the First Five Years

Life Events Legal Plan Summary

IRS AUDIT SERVICES

· Consultation

· Representation at Audit

· Representation at Trial

Summary of Benefit Only See membership policy for complete details, limitations and exclusions.

PREFERRED MEMBER

DISCOUNT· 25% Discount from

the attorney’s standard hourly rates for services not covered under the membership, including pre-existing conditions.

LEGAL SHIELD• 24 Hour Access to the

Provider Law Firm if you are ever arrested, detained, or served with a warrant.

Life Events Legal Plan Summary25%

FAMILYCOVERAGE

· Member

· Spouse or Significant Other

· Qualified Dependents

Complete Credit Analysis

These Services are offered exclusively by Kroll Fraud Solutions Group

Minor Coverage

Complete Identity Restoration

Continuous Credit Monitoring

Identity Theft Shield

“I Owe $16,000 on my

credit cards, my condo’s

in foreclosure and I turn

7 on Friday”

Safeguard For Minors

Drivers License

Medical FinancialEmploymentSSA & IRS

Character & Criminal

Five Common Types of Identity Theft

Identity Theft Shield

Complete Credit Analysis

Minor Coverage

Complete Identity Restoration

Continuous Credit Monitoring

Identity Theft Shield

Employees qualify for a special group

rate of:

$5.98 per week!That is less than the cost of

a bottle of water a day!

Add $25 cents a week for minor coverage

Benefit Costs

Benefit Enrollment • This benefit is available through payroll

deduction at a special group rate.• Complete the YELLOW highlighted area of

your membership form.• $10 enrollment fee is waived for all employees

Benefit Enrollment • Complete the YELLOW highlighted area of your

membership form. • If you want your payment through checking or

saving account complete the PINK areas• If you want your payment through debit or credit

card complete the BLUE areas• $10 enrollment fee is waived for all employees

Financial Wellness Worksho

pProtecting Families, Finances, and Your Future

TM