1

WELCOME TO THE COURSE EMPLOYEE WELLNESS WORKSHOP

FINANCIAL EDUCATION IN THE WORKPLACE

Your Instructor is Mr Fraser Allport

Certified Estate Plannertrade

Owner of ldquo Safe and Smart Money LLC rdquo A Registered Investment Advisory Firm

wwwFRASERALLPORTcom 772 - 643 - 4850

FINANCIAL EDUCATION IN THE WORKPLACE

Improving Workplace Productivity Health and Harmony through Personal Financial Education for HR Managers and Employees

Being a Competitive and Compassionate Employer in a Knowledge-Based Economy

2

The Big Picture

In his book ldquo The 7 Habits of Highly Effective People rdquo Steven Covey teaches us to ldquo Start at the End rdquo

Meaning that Successful People start Successful Projects by first determining what The Goal is and where The Finish Line is The challenge is to then work backwards from Z to A in determining where to start your Great Endeavor

3

The Employerrsquos Challenge amp Goal

For every Employer and Employee in the 21st Century the challenge will be the recognition that we live in a ldquoKnowledge-Based Economyrdquo

The Industrial Revolution is behind us and The Information Age is really just dawning

The Goal for any Employer - large or small - is obvious

compelling and motivating An Organization that has an un-trained and un-educated Workforce is not going to compete and survive

4

Up The Learning Curve Together Employer and Employee

This Workshop attempts to start the process of educating your Workforce about their Personal Finances because ldquo Money Stress rdquo kills people and their productivity

This is true for both the Employer as well as the Employee The Employer must be in the huddle too

5

Stress Kills hellip

Stress Kills It is The Silent Epidemic of The 21st Century Amidst the fast-pace of The 21st Century everyone is so busy Making Money that they have no time to learn the skills to manage it properly

This is the curse of a Society that moves too quickly Everyone is too busy being busy to actually Get Ahead Everyone is working and running with their head down

6

Getting Ahead

And so no one knows where they are headed with their financial future

Most people are running hard to stay in place financially or just doing laps but not truly Getting Ahead And they know it And it eats at them all the time

And thatrsquos really Stressful hellip worrying and afraid that your hard work is not really getting you anywhere

7

8

Financial Insecurity

For the average Worker there is no Finish Line no Comfortable Retirement no American Dream and no Peace of Mind

Their financial insecurity is the stress that gnaws at most of your Employees wakes them up in the middle of the night causes arguments with their Spouse and constantly distracts them at work For many average Americans Retirement is a mirage Instead they believe that they will have to work until they die Working hard every day with no end in sight ever Thatrsquos more than just Stress for people Thatrsquos downright depressing and de-motivating

How can you expect the best from an Employee who feels

stressed this way every day

9

Manage Money as well as Make It

If You and your Workforce want to survive and succeed in this ldquo Information Century rdquo then teach your People how to Manage Money as well as Make It

If Money trumps People in your Company or Organization that myopia is going to kill your Workforce and your entire Organization

History is very clear on this point Taking care of People is Job 1 or else none of your other Goals are achieved

10

The Total Employer This is where The 21st Century Employer is smart far-sighted

proactive and caring This is what makes You ldquo The Total Employerrdquo Compassionate about helping your Employees and also shrewdly Competitive about giving them an edge

That edge is helping your Employees learn how to Manage Money as well as Make Money Thatrsquos The Total Employer in The 21st Century Thatrsquos You right

Become ldquo The Total Employer rdquo and assist your Workforce to Manage their Money as well as Make It Your compassion will enhance your Organizationrsquos competitiveness ldquo Financial Wellness in The Workplace rdquo is gaining traction as a smart Best Practice

If you are not implementing Financial Wellness hellip Your competition is Do you want to retain a well-educated and motivated Employee or do you want them to seek another Employer who takes better care of them

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

The Big Picture

In his book ldquo The 7 Habits of Highly Effective People rdquo Steven Covey teaches us to ldquo Start at the End rdquo

Meaning that Successful People start Successful Projects by first determining what The Goal is and where The Finish Line is The challenge is to then work backwards from Z to A in determining where to start your Great Endeavor

3

The Employerrsquos Challenge amp Goal

For every Employer and Employee in the 21st Century the challenge will be the recognition that we live in a ldquoKnowledge-Based Economyrdquo

The Industrial Revolution is behind us and The Information Age is really just dawning

The Goal for any Employer - large or small - is obvious

compelling and motivating An Organization that has an un-trained and un-educated Workforce is not going to compete and survive

4

Up The Learning Curve Together Employer and Employee

This Workshop attempts to start the process of educating your Workforce about their Personal Finances because ldquo Money Stress rdquo kills people and their productivity

This is true for both the Employer as well as the Employee The Employer must be in the huddle too

5

Stress Kills hellip

Stress Kills It is The Silent Epidemic of The 21st Century Amidst the fast-pace of The 21st Century everyone is so busy Making Money that they have no time to learn the skills to manage it properly

This is the curse of a Society that moves too quickly Everyone is too busy being busy to actually Get Ahead Everyone is working and running with their head down

6

Getting Ahead

And so no one knows where they are headed with their financial future

Most people are running hard to stay in place financially or just doing laps but not truly Getting Ahead And they know it And it eats at them all the time

And thatrsquos really Stressful hellip worrying and afraid that your hard work is not really getting you anywhere

7

8

Financial Insecurity

For the average Worker there is no Finish Line no Comfortable Retirement no American Dream and no Peace of Mind

Their financial insecurity is the stress that gnaws at most of your Employees wakes them up in the middle of the night causes arguments with their Spouse and constantly distracts them at work For many average Americans Retirement is a mirage Instead they believe that they will have to work until they die Working hard every day with no end in sight ever Thatrsquos more than just Stress for people Thatrsquos downright depressing and de-motivating

How can you expect the best from an Employee who feels

stressed this way every day

9

Manage Money as well as Make It

If You and your Workforce want to survive and succeed in this ldquo Information Century rdquo then teach your People how to Manage Money as well as Make It

If Money trumps People in your Company or Organization that myopia is going to kill your Workforce and your entire Organization

History is very clear on this point Taking care of People is Job 1 or else none of your other Goals are achieved

10

The Total Employer This is where The 21st Century Employer is smart far-sighted

proactive and caring This is what makes You ldquo The Total Employerrdquo Compassionate about helping your Employees and also shrewdly Competitive about giving them an edge

That edge is helping your Employees learn how to Manage Money as well as Make Money Thatrsquos The Total Employer in The 21st Century Thatrsquos You right

Become ldquo The Total Employer rdquo and assist your Workforce to Manage their Money as well as Make It Your compassion will enhance your Organizationrsquos competitiveness ldquo Financial Wellness in The Workplace rdquo is gaining traction as a smart Best Practice

If you are not implementing Financial Wellness hellip Your competition is Do you want to retain a well-educated and motivated Employee or do you want them to seek another Employer who takes better care of them

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

The Employerrsquos Challenge amp Goal

For every Employer and Employee in the 21st Century the challenge will be the recognition that we live in a ldquoKnowledge-Based Economyrdquo

The Industrial Revolution is behind us and The Information Age is really just dawning

The Goal for any Employer - large or small - is obvious

compelling and motivating An Organization that has an un-trained and un-educated Workforce is not going to compete and survive

4

Up The Learning Curve Together Employer and Employee

This Workshop attempts to start the process of educating your Workforce about their Personal Finances because ldquo Money Stress rdquo kills people and their productivity

This is true for both the Employer as well as the Employee The Employer must be in the huddle too

5

Stress Kills hellip

Stress Kills It is The Silent Epidemic of The 21st Century Amidst the fast-pace of The 21st Century everyone is so busy Making Money that they have no time to learn the skills to manage it properly

This is the curse of a Society that moves too quickly Everyone is too busy being busy to actually Get Ahead Everyone is working and running with their head down

6

Getting Ahead

And so no one knows where they are headed with their financial future

Most people are running hard to stay in place financially or just doing laps but not truly Getting Ahead And they know it And it eats at them all the time

And thatrsquos really Stressful hellip worrying and afraid that your hard work is not really getting you anywhere

7

8

Financial Insecurity

For the average Worker there is no Finish Line no Comfortable Retirement no American Dream and no Peace of Mind

Their financial insecurity is the stress that gnaws at most of your Employees wakes them up in the middle of the night causes arguments with their Spouse and constantly distracts them at work For many average Americans Retirement is a mirage Instead they believe that they will have to work until they die Working hard every day with no end in sight ever Thatrsquos more than just Stress for people Thatrsquos downright depressing and de-motivating

How can you expect the best from an Employee who feels

stressed this way every day

9

Manage Money as well as Make It

If You and your Workforce want to survive and succeed in this ldquo Information Century rdquo then teach your People how to Manage Money as well as Make It

If Money trumps People in your Company or Organization that myopia is going to kill your Workforce and your entire Organization

History is very clear on this point Taking care of People is Job 1 or else none of your other Goals are achieved

10

The Total Employer This is where The 21st Century Employer is smart far-sighted

proactive and caring This is what makes You ldquo The Total Employerrdquo Compassionate about helping your Employees and also shrewdly Competitive about giving them an edge

That edge is helping your Employees learn how to Manage Money as well as Make Money Thatrsquos The Total Employer in The 21st Century Thatrsquos You right

Become ldquo The Total Employer rdquo and assist your Workforce to Manage their Money as well as Make It Your compassion will enhance your Organizationrsquos competitiveness ldquo Financial Wellness in The Workplace rdquo is gaining traction as a smart Best Practice

If you are not implementing Financial Wellness hellip Your competition is Do you want to retain a well-educated and motivated Employee or do you want them to seek another Employer who takes better care of them

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

Up The Learning Curve Together Employer and Employee

This Workshop attempts to start the process of educating your Workforce about their Personal Finances because ldquo Money Stress rdquo kills people and their productivity

This is true for both the Employer as well as the Employee The Employer must be in the huddle too

5

Stress Kills hellip

Stress Kills It is The Silent Epidemic of The 21st Century Amidst the fast-pace of The 21st Century everyone is so busy Making Money that they have no time to learn the skills to manage it properly

This is the curse of a Society that moves too quickly Everyone is too busy being busy to actually Get Ahead Everyone is working and running with their head down

6

Getting Ahead

And so no one knows where they are headed with their financial future

Most people are running hard to stay in place financially or just doing laps but not truly Getting Ahead And they know it And it eats at them all the time

And thatrsquos really Stressful hellip worrying and afraid that your hard work is not really getting you anywhere

7

8

Financial Insecurity

For the average Worker there is no Finish Line no Comfortable Retirement no American Dream and no Peace of Mind

Their financial insecurity is the stress that gnaws at most of your Employees wakes them up in the middle of the night causes arguments with their Spouse and constantly distracts them at work For many average Americans Retirement is a mirage Instead they believe that they will have to work until they die Working hard every day with no end in sight ever Thatrsquos more than just Stress for people Thatrsquos downright depressing and de-motivating

How can you expect the best from an Employee who feels

stressed this way every day

9

Manage Money as well as Make It

If You and your Workforce want to survive and succeed in this ldquo Information Century rdquo then teach your People how to Manage Money as well as Make It

If Money trumps People in your Company or Organization that myopia is going to kill your Workforce and your entire Organization

History is very clear on this point Taking care of People is Job 1 or else none of your other Goals are achieved

10

The Total Employer This is where The 21st Century Employer is smart far-sighted

proactive and caring This is what makes You ldquo The Total Employerrdquo Compassionate about helping your Employees and also shrewdly Competitive about giving them an edge

That edge is helping your Employees learn how to Manage Money as well as Make Money Thatrsquos The Total Employer in The 21st Century Thatrsquos You right

Become ldquo The Total Employer rdquo and assist your Workforce to Manage their Money as well as Make It Your compassion will enhance your Organizationrsquos competitiveness ldquo Financial Wellness in The Workplace rdquo is gaining traction as a smart Best Practice

If you are not implementing Financial Wellness hellip Your competition is Do you want to retain a well-educated and motivated Employee or do you want them to seek another Employer who takes better care of them

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

Stress Kills hellip

Stress Kills It is The Silent Epidemic of The 21st Century Amidst the fast-pace of The 21st Century everyone is so busy Making Money that they have no time to learn the skills to manage it properly

This is the curse of a Society that moves too quickly Everyone is too busy being busy to actually Get Ahead Everyone is working and running with their head down

6

Getting Ahead

And so no one knows where they are headed with their financial future

Most people are running hard to stay in place financially or just doing laps but not truly Getting Ahead And they know it And it eats at them all the time

And thatrsquos really Stressful hellip worrying and afraid that your hard work is not really getting you anywhere

7

8

Financial Insecurity

For the average Worker there is no Finish Line no Comfortable Retirement no American Dream and no Peace of Mind

Their financial insecurity is the stress that gnaws at most of your Employees wakes them up in the middle of the night causes arguments with their Spouse and constantly distracts them at work For many average Americans Retirement is a mirage Instead they believe that they will have to work until they die Working hard every day with no end in sight ever Thatrsquos more than just Stress for people Thatrsquos downright depressing and de-motivating

How can you expect the best from an Employee who feels

stressed this way every day

9

Manage Money as well as Make It

If You and your Workforce want to survive and succeed in this ldquo Information Century rdquo then teach your People how to Manage Money as well as Make It

If Money trumps People in your Company or Organization that myopia is going to kill your Workforce and your entire Organization

History is very clear on this point Taking care of People is Job 1 or else none of your other Goals are achieved

10

The Total Employer This is where The 21st Century Employer is smart far-sighted

proactive and caring This is what makes You ldquo The Total Employerrdquo Compassionate about helping your Employees and also shrewdly Competitive about giving them an edge

That edge is helping your Employees learn how to Manage Money as well as Make Money Thatrsquos The Total Employer in The 21st Century Thatrsquos You right

Become ldquo The Total Employer rdquo and assist your Workforce to Manage their Money as well as Make It Your compassion will enhance your Organizationrsquos competitiveness ldquo Financial Wellness in The Workplace rdquo is gaining traction as a smart Best Practice

If you are not implementing Financial Wellness hellip Your competition is Do you want to retain a well-educated and motivated Employee or do you want them to seek another Employer who takes better care of them

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

Getting Ahead

And so no one knows where they are headed with their financial future

Most people are running hard to stay in place financially or just doing laps but not truly Getting Ahead And they know it And it eats at them all the time

And thatrsquos really Stressful hellip worrying and afraid that your hard work is not really getting you anywhere

7

8

Financial Insecurity

For the average Worker there is no Finish Line no Comfortable Retirement no American Dream and no Peace of Mind

Their financial insecurity is the stress that gnaws at most of your Employees wakes them up in the middle of the night causes arguments with their Spouse and constantly distracts them at work For many average Americans Retirement is a mirage Instead they believe that they will have to work until they die Working hard every day with no end in sight ever Thatrsquos more than just Stress for people Thatrsquos downright depressing and de-motivating

How can you expect the best from an Employee who feels

stressed this way every day

9

Manage Money as well as Make It

If You and your Workforce want to survive and succeed in this ldquo Information Century rdquo then teach your People how to Manage Money as well as Make It

If Money trumps People in your Company or Organization that myopia is going to kill your Workforce and your entire Organization

History is very clear on this point Taking care of People is Job 1 or else none of your other Goals are achieved

10

The Total Employer This is where The 21st Century Employer is smart far-sighted

proactive and caring This is what makes You ldquo The Total Employerrdquo Compassionate about helping your Employees and also shrewdly Competitive about giving them an edge

That edge is helping your Employees learn how to Manage Money as well as Make Money Thatrsquos The Total Employer in The 21st Century Thatrsquos You right

Become ldquo The Total Employer rdquo and assist your Workforce to Manage their Money as well as Make It Your compassion will enhance your Organizationrsquos competitiveness ldquo Financial Wellness in The Workplace rdquo is gaining traction as a smart Best Practice

If you are not implementing Financial Wellness hellip Your competition is Do you want to retain a well-educated and motivated Employee or do you want them to seek another Employer who takes better care of them

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

8

Financial Insecurity

For the average Worker there is no Finish Line no Comfortable Retirement no American Dream and no Peace of Mind

Their financial insecurity is the stress that gnaws at most of your Employees wakes them up in the middle of the night causes arguments with their Spouse and constantly distracts them at work For many average Americans Retirement is a mirage Instead they believe that they will have to work until they die Working hard every day with no end in sight ever Thatrsquos more than just Stress for people Thatrsquos downright depressing and de-motivating

How can you expect the best from an Employee who feels

stressed this way every day

9

Manage Money as well as Make It

If You and your Workforce want to survive and succeed in this ldquo Information Century rdquo then teach your People how to Manage Money as well as Make It

If Money trumps People in your Company or Organization that myopia is going to kill your Workforce and your entire Organization

History is very clear on this point Taking care of People is Job 1 or else none of your other Goals are achieved

10

The Total Employer This is where The 21st Century Employer is smart far-sighted

proactive and caring This is what makes You ldquo The Total Employerrdquo Compassionate about helping your Employees and also shrewdly Competitive about giving them an edge

That edge is helping your Employees learn how to Manage Money as well as Make Money Thatrsquos The Total Employer in The 21st Century Thatrsquos You right

Become ldquo The Total Employer rdquo and assist your Workforce to Manage their Money as well as Make It Your compassion will enhance your Organizationrsquos competitiveness ldquo Financial Wellness in The Workplace rdquo is gaining traction as a smart Best Practice

If you are not implementing Financial Wellness hellip Your competition is Do you want to retain a well-educated and motivated Employee or do you want them to seek another Employer who takes better care of them

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

9

Manage Money as well as Make It

If You and your Workforce want to survive and succeed in this ldquo Information Century rdquo then teach your People how to Manage Money as well as Make It

If Money trumps People in your Company or Organization that myopia is going to kill your Workforce and your entire Organization

History is very clear on this point Taking care of People is Job 1 or else none of your other Goals are achieved

10

The Total Employer This is where The 21st Century Employer is smart far-sighted

proactive and caring This is what makes You ldquo The Total Employerrdquo Compassionate about helping your Employees and also shrewdly Competitive about giving them an edge

That edge is helping your Employees learn how to Manage Money as well as Make Money Thatrsquos The Total Employer in The 21st Century Thatrsquos You right

Become ldquo The Total Employer rdquo and assist your Workforce to Manage their Money as well as Make It Your compassion will enhance your Organizationrsquos competitiveness ldquo Financial Wellness in The Workplace rdquo is gaining traction as a smart Best Practice

If you are not implementing Financial Wellness hellip Your competition is Do you want to retain a well-educated and motivated Employee or do you want them to seek another Employer who takes better care of them

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

10

The Total Employer This is where The 21st Century Employer is smart far-sighted

proactive and caring This is what makes You ldquo The Total Employerrdquo Compassionate about helping your Employees and also shrewdly Competitive about giving them an edge

That edge is helping your Employees learn how to Manage Money as well as Make Money Thatrsquos The Total Employer in The 21st Century Thatrsquos You right

Become ldquo The Total Employer rdquo and assist your Workforce to Manage their Money as well as Make It Your compassion will enhance your Organizationrsquos competitiveness ldquo Financial Wellness in The Workplace rdquo is gaining traction as a smart Best Practice

If you are not implementing Financial Wellness hellip Your competition is Do you want to retain a well-educated and motivated Employee or do you want them to seek another Employer who takes better care of them

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

11

The Problem

Financial concerns may be a personal matter but they directly affect the Workplace

There is a proven direct correlation between a Financially Educated Workforce and your Firmrsquos Bottom Line Research shows that a majority of Employees have persistent financial problems severe enough to have a negative impact on their workplace performance ( Please see the Footnotes )

Itrsquos just common-sense People bring their problems to work Especially Financial problems ldquo Money Stress rdquo is right at the top of the list of stressors in a personrsquos life including the Employer

The articles in the footnotes confirm the studies that a financially stressed Employee spends an average of 20+ hours per month taking care of their own personal financial problems while at work Thatrsquos 240 hours annually on the clock Your clock 240 hours annually is the equivalent of giving that Employee a six week paid vacation to handle their personal money problems at work on your time Thatrsquos right - A six week paid vacation

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

12

The Workplace goes Downhill

Stressed Employees also negatively affect other Employees and your top Management Fractious ldquo Workplace Conflict rdquo heightens tensions and your entire Workplace suffers as relationships deteriorate and Teamwork vanishes Employees and Management alike become angry distracted less loyal and less productive Insubordination Absenteeism and health-related problems rise as Employee morale sinks Money Stress is at the root

Another depressing Stressor for your Workforce is that there are no longer secure Company-paid ldquo Pension Plans rdquo Those days are over Today Employees need to learn how to save for their own Retirement or else they will not ever have one Employees know their plight and fear their unknown future Thatrsquos debilitating

Insecurity breeds Fear and Fear is a tremendous Stressor and de-motivator Fear paralyzes human beings Nothing gets done in your Workplace except arguing and worrying Your best Employees quit because they just canrsquot take the stressful Workplace environment anymore The Best quit and The Worst stay And The Worst become the cancer that eats at your entire Organization Turn it around Education empowers and breeds Leaders

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

13

The 21st Century Workplace

In the 21st Century Employers have shifted the responsibility for an Employeersquos Retirement Savings from the traditional Employer Pension to the Employee now becoming personally responsible for their Retirement Savings in their Employer-Sponsored 401(k) 403(b) 457 Profit-Sharing IRA and Cafeteria Plans

Employees are also being asked to choose Health Insurance Plans with a myriad of options which is another confusing financial headache for them to handle

The crux of the problem is that the Employee has no training and tools to do this Financial Planning

Adding Money Management Retirement Planning and Health Insurance to an Employeersquos already-full plate only increases their stress especially since virtually no Employee has any true Financial Education or training in these areas

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

14

Best Practices Asking your Employees to do what they are neither trained nor

equipped to do is a sure-fire set-up for failure Failures in your Workplace become a vicious downward spiral Failure breeds defeatism which leads to more failure Team Morale plummets absenteeism and health-related problems rise and your best Employees quit out of frustration Harmony and a ldquo Winning Attitude rdquo are replaced by a myriad of negative human emotions and actions Your Workplace becomes poisoned by ldquo Bad Actors rdquo

Smart and forward-thinking Employers understand that Money causes angst and people under stress are less happy and less efficient make more mistakes and have lower morale ldquo Money Stress rdquo is a direct contributor to Absenteeism Health problems and Employee retention And any Employeersquos problem eventually becomes the Employerrsquos problem as well

Increasingly astute and proactive Employers are tackling this problem of Employee Money Stress in the workplace by initiating Financial Wellness Educational Workshops for their Employees ldquo Financial Wellness in The Workplace rdquo is fast becoming a Best Practice

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

15

The ldquo De-Stress rdquo Solution

Your Employees need to be financially knowledgeable involved and secure with their Money so that they can be at their best for You Their financial Peace of Mind positively translates into your Workplace in 101 ways

How does an Employer accomplish this Goal of financially elevating their Employees Give your Employees a fast and fun on-site Workshop that will give them valuable Lifetime Money skills Skilled Employees are better Employees

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

16

EMPLOYEE WELLNESS WORKSHOP

Improving Workplace Productivity Health and Harmony through Personal Financial Education

Education for HR Managers and Employees

Education for Business Owners and Management

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

17

The Workshop Benefits for Employers

Research clearly shows that a consistent ( ie ndash Quarterly ) Workplace Financial Education Program for Employees also benefits Employers in multiple ways

Increase Employee contentment Productivity and Peace of Mind through personal financial education and information

Increase Employee affinity and Loyalty to Company Increase Employee Self-Esteem Confidence and Communication skills Reduce Employee stress-related illnesses and absenteeism Inspire Leadership Educated Employees aspire to become

Management A great place to work increases Employee retention and attracts

better Employees Decrease direct Employer costs related to wage garnishments

bankruptcies payroll deductions for child support and alimony administrative costs for borrowing against 401(k) Plans etc Absenteeism and Insubordination decrease

In sum Educated Employees achieve and excel more Simple but profound

Your Managers HR and Payroll Departments will LOVE this Workshop

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

18

The Workshop Benefits for Employees

Change Employee behaviors and attitudes that negatively affect total job performance and workplace harmony Financial Peace of Mind translates positively into every facet of daily job performance and workplace relations

Employee Continuing Education enhances Self-Esteem and Goal-setting Personal and Professional Development creates Leaders in your Workforce Educating and Elevating Employees increases their Loyalty to the Employer Overcoming ldquo Fear of Money rdquo reduces Employee ldquo Money Stress rdquo Financial Skills learned that will last a Lifetime literally Knowledge empowers The Intangibles Content vs Cranky makes a world of difference in the

Workplace This Workshoprsquos ldquo Town Hall rdquo style QampA improves inter-personal

Communication Leadership and Public Speaking skills A Win-Win for both Employee and Employer

Excellence breeds Achievement and Success is contagious Employees are proud of themselves and the Organization that helped them learn and grow

Healthy Happy People perform better and make better Employees Productivity increases Profitability

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

19

Whatrsquos In It for You

The Death of The American Middle Class

Itrsquos Not What You Make hellip Itrsquos What You Keep

Every Dollar that you save on Expenses hellip COMPOUNDS

httpwwwinterestcomcalculators

wwwinterestcalcorg

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

20

Employee Wellness Workshop

10 Core Educational Modules

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

21

1 Make Money Simple and Fun

Learn and Save More with simple free online SW and appsrsquo that will help Employees track and manage their Money

People cannot manage what they cannot measure

A person can only master their Money if itrsquos in a System Get Smart with Money and you will have more of it

Attendees will learn Dave Ramseyrsquos ldquo Envelope System rdquo and other simple Money Management tips

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

22

FREE ONLINE SOFTWARE FOR MONEY MANAGEMENT

budgetpulsecom

personalcapitalcom

buxfercom

mintcom

moneystrandscom

inexfinancecom

waveappscom

waveappscompersonal

mvelopescom

httpabtcm1DkZU83

23

2 Time is Money

Free Online SW to help manage and track the Employeersquos TIME

Because Time is Money right Time and Money management go hand-in-hand Double-down on Efficiency Productivity and workplace Harmony by having your Employees master both Money and Time management skills

Also time-management techniques from the book ndash ldquo Rich Dad Poor Dad rdquo by Robert Kiyosaki

24

FREE ONLINE SOFTWARE FOR TIME MANAGEMENT

moneystreamcom

asanacom

rememberthemilkcom

evernotecom

todoistcom

glipcom

rescuetimecom

teamupcom

wonderappsseAtracker

httpabtcm1z0gqpZ

24

FREE ONLINE SOFTWARE FOR TIME MANAGEMENT

moneystreamcom

asanacom

rememberthemilkcom

evernotecom

todoistcom

glipcom

rescuetimecom

teamupcom

wonderappsseAtracker

httpabtcm1z0gqpZ

25

3 Pre-Tax Investing and Savings

Understanding Your 457 Deferred Compensation and other Investment options

Learn about the power of pre-tax investing and systematic savings through payroll plans and Dollar Cost Averaging

The Story of The Four Quarters

26

4 Health Care Choices

Understanding your Health Insurance choices and prices

Deductibles Co-Pays Co-Insurance ldquo Obama Care rdquo and other terminology explained in simple lay language

Get your ldquo Summary of Benefits ldquo in a pdf from Blue Cross and put it on every mobile device you have

Call Fraser at 772 ndash 643 - 4850 with any Health Insurance questions ndash I am another resource for you

27

5 Power Down Your Debt

Debt is one of THE Great Stressors in peoplersquos lives so letrsquos get rid of it

ldquo Power Down rdquo all of your Debt and your Mortgage

First and Best way to Get Ahead hellip is to Get Out of Debt ANY kind of Debt Mortgage Student Loans Credit Cards Cars Boats Trucks RVs Business Debt

Many of Dave Ramseyrsquos concepts will be explained and every Employee will get a free ldquo Get Out of Debt rdquo report

28

Get Out Of Debt

Get You Out of Debt Any and all Debt both Personal and Business

You cannot truly Get Ahead financially hellip until you Get Out of Debt

Debt is The 8th Wonder of The World working against you daily Thatrsquos like having Superman as your nemesis

Debt Service comprises how much of your Business and Personal Budget Do you know

29

Get Out of Debt Report - 1

Get Out of Debt Report - 2

30

31

6 Saving On Income Taxes

Income Taxes Most Americans needlessly overpay their

Income Taxes Do not do your Taxes alone

Income Taxes comprise 20 - 40 of a personrsquos daily work This is too big a bill to ignore or be ignorant about This Course will teach you easy ways to get involved in your Income Taxes get smarter and save money annually Do not over-pay or under-pay your Income Taxes

Pay just The Right Amount

Find out what the right number is for your tax bill Every Employee will receive a free ldquo 10 Minute Tax Tune-Up rdquo

32

7 Insurance 101

Insurance 101 ndash Every kind of Insurance is discussed so that the Employee can learn how to be an Educated Consumer Shop and Compare and SAVE MONEY on all of their Insurance bills

Most people over-pay their insurance bills simply because they do not know how to shop and compare

Letrsquos spend 1 hour together doing a review of all of your Insurance policies hellip to save you 10 - 20 on your Insurance expenses These are Annual Savings

33

8 College Planning

The ABCrsquos of all available College Plans in 2015 plus Insured Plans

In a 529 Plan earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary such as tuition fees books as well as room and board Contributions to a 529 plan are not tax deductible

$ 14000 is the maximum annual contribution before being subject to Federal Gift Taxes

httpwwwirsgovuac529-Plans-Questions-and-Answers

httpwwwirsgovpubirs-pdfp970pdf - Tax Benefits for Education

529 Plans

httpbitly1qu2C7o

httpbitly1cUXxzr

Florida Pre-Paid httpwwwmyfloridaprepaidcomcollege-savings-101

26

4 Health Care Choices

Understanding your Health Insurance choices and prices

Deductibles Co-Pays Co-Insurance ldquo Obama Care rdquo and other terminology explained in simple lay language

Get your ldquo Summary of Benefits ldquo in a pdf from Blue Cross and put it on every mobile device you have

Call Fraser at 772 ndash 643 - 4850 with any Health Insurance questions ndash I am another resource for you

27

5 Power Down Your Debt

Debt is one of THE Great Stressors in peoplersquos lives so letrsquos get rid of it

ldquo Power Down rdquo all of your Debt and your Mortgage

First and Best way to Get Ahead hellip is to Get Out of Debt ANY kind of Debt Mortgage Student Loans Credit Cards Cars Boats Trucks RVs Business Debt

Many of Dave Ramseyrsquos concepts will be explained and every Employee will get a free ldquo Get Out of Debt rdquo report

28

Get Out Of Debt

Get You Out of Debt Any and all Debt both Personal and Business

You cannot truly Get Ahead financially hellip until you Get Out of Debt

Debt is The 8th Wonder of The World working against you daily Thatrsquos like having Superman as your nemesis

Debt Service comprises how much of your Business and Personal Budget Do you know

29

Get Out of Debt Report - 1

Get Out of Debt Report - 2

30

31

6 Saving On Income Taxes

Income Taxes Most Americans needlessly overpay their

Income Taxes Do not do your Taxes alone

Income Taxes comprise 20 - 40 of a personrsquos daily work This is too big a bill to ignore or be ignorant about This Course will teach you easy ways to get involved in your Income Taxes get smarter and save money annually Do not over-pay or under-pay your Income Taxes

Pay just The Right Amount

Find out what the right number is for your tax bill Every Employee will receive a free ldquo 10 Minute Tax Tune-Up rdquo

32

7 Insurance 101

Insurance 101 ndash Every kind of Insurance is discussed so that the Employee can learn how to be an Educated Consumer Shop and Compare and SAVE MONEY on all of their Insurance bills

Most people over-pay their insurance bills simply because they do not know how to shop and compare

Letrsquos spend 1 hour together doing a review of all of your Insurance policies hellip to save you 10 - 20 on your Insurance expenses These are Annual Savings

33

8 College Planning

The ABCrsquos of all available College Plans in 2015 plus Insured Plans

In a 529 Plan earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary such as tuition fees books as well as room and board Contributions to a 529 plan are not tax deductible

$ 14000 is the maximum annual contribution before being subject to Federal Gift Taxes

httpwwwirsgovuac529-Plans-Questions-and-Answers

httpwwwirsgovpubirs-pdfp970pdf - Tax Benefits for Education

529 Plans

httpbitly1qu2C7o

httpbitly1cUXxzr

Florida Pre-Paid httpwwwmyfloridaprepaidcomcollege-savings-101

27

5 Power Down Your Debt

Debt is one of THE Great Stressors in peoplersquos lives so letrsquos get rid of it

ldquo Power Down rdquo all of your Debt and your Mortgage

First and Best way to Get Ahead hellip is to Get Out of Debt ANY kind of Debt Mortgage Student Loans Credit Cards Cars Boats Trucks RVs Business Debt

Many of Dave Ramseyrsquos concepts will be explained and every Employee will get a free ldquo Get Out of Debt rdquo report

28

Get Out Of Debt

Get You Out of Debt Any and all Debt both Personal and Business

You cannot truly Get Ahead financially hellip until you Get Out of Debt

Debt is The 8th Wonder of The World working against you daily Thatrsquos like having Superman as your nemesis

Debt Service comprises how much of your Business and Personal Budget Do you know

29

Get Out of Debt Report - 1

Get Out of Debt Report - 2

30

31

6 Saving On Income Taxes

Income Taxes Most Americans needlessly overpay their

Income Taxes Do not do your Taxes alone

Income Taxes comprise 20 - 40 of a personrsquos daily work This is too big a bill to ignore or be ignorant about This Course will teach you easy ways to get involved in your Income Taxes get smarter and save money annually Do not over-pay or under-pay your Income Taxes

Pay just The Right Amount

Find out what the right number is for your tax bill Every Employee will receive a free ldquo 10 Minute Tax Tune-Up rdquo

32

7 Insurance 101

Insurance 101 ndash Every kind of Insurance is discussed so that the Employee can learn how to be an Educated Consumer Shop and Compare and SAVE MONEY on all of their Insurance bills

Most people over-pay their insurance bills simply because they do not know how to shop and compare

Letrsquos spend 1 hour together doing a review of all of your Insurance policies hellip to save you 10 - 20 on your Insurance expenses These are Annual Savings

33

8 College Planning

The ABCrsquos of all available College Plans in 2015 plus Insured Plans

In a 529 Plan earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary such as tuition fees books as well as room and board Contributions to a 529 plan are not tax deductible

$ 14000 is the maximum annual contribution before being subject to Federal Gift Taxes

httpwwwirsgovuac529-Plans-Questions-and-Answers

httpwwwirsgovpubirs-pdfp970pdf - Tax Benefits for Education

529 Plans

httpbitly1qu2C7o

httpbitly1cUXxzr

Florida Pre-Paid httpwwwmyfloridaprepaidcomcollege-savings-101

28

Get Out Of Debt

Get You Out of Debt Any and all Debt both Personal and Business

You cannot truly Get Ahead financially hellip until you Get Out of Debt

Debt is The 8th Wonder of The World working against you daily Thatrsquos like having Superman as your nemesis

Debt Service comprises how much of your Business and Personal Budget Do you know

29

Get Out of Debt Report - 1

Get Out of Debt Report - 2

30

31

6 Saving On Income Taxes

Income Taxes Most Americans needlessly overpay their

Income Taxes Do not do your Taxes alone

Income Taxes comprise 20 - 40 of a personrsquos daily work This is too big a bill to ignore or be ignorant about This Course will teach you easy ways to get involved in your Income Taxes get smarter and save money annually Do not over-pay or under-pay your Income Taxes

Pay just The Right Amount

Find out what the right number is for your tax bill Every Employee will receive a free ldquo 10 Minute Tax Tune-Up rdquo

32

7 Insurance 101

Insurance 101 ndash Every kind of Insurance is discussed so that the Employee can learn how to be an Educated Consumer Shop and Compare and SAVE MONEY on all of their Insurance bills

Most people over-pay their insurance bills simply because they do not know how to shop and compare

Letrsquos spend 1 hour together doing a review of all of your Insurance policies hellip to save you 10 - 20 on your Insurance expenses These are Annual Savings

33

8 College Planning

The ABCrsquos of all available College Plans in 2015 plus Insured Plans

In a 529 Plan earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary such as tuition fees books as well as room and board Contributions to a 529 plan are not tax deductible

$ 14000 is the maximum annual contribution before being subject to Federal Gift Taxes

httpwwwirsgovuac529-Plans-Questions-and-Answers

httpwwwirsgovpubirs-pdfp970pdf - Tax Benefits for Education

529 Plans

httpbitly1qu2C7o

httpbitly1cUXxzr

Florida Pre-Paid httpwwwmyfloridaprepaidcomcollege-savings-101

29

Get Out of Debt Report - 1

Get Out of Debt Report - 2

30

31

6 Saving On Income Taxes

Income Taxes Most Americans needlessly overpay their

Income Taxes Do not do your Taxes alone

Income Taxes comprise 20 - 40 of a personrsquos daily work This is too big a bill to ignore or be ignorant about This Course will teach you easy ways to get involved in your Income Taxes get smarter and save money annually Do not over-pay or under-pay your Income Taxes

Pay just The Right Amount

Find out what the right number is for your tax bill Every Employee will receive a free ldquo 10 Minute Tax Tune-Up rdquo

32

7 Insurance 101

Insurance 101 ndash Every kind of Insurance is discussed so that the Employee can learn how to be an Educated Consumer Shop and Compare and SAVE MONEY on all of their Insurance bills

Most people over-pay their insurance bills simply because they do not know how to shop and compare

Letrsquos spend 1 hour together doing a review of all of your Insurance policies hellip to save you 10 - 20 on your Insurance expenses These are Annual Savings

33

8 College Planning

The ABCrsquos of all available College Plans in 2015 plus Insured Plans

In a 529 Plan earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary such as tuition fees books as well as room and board Contributions to a 529 plan are not tax deductible

$ 14000 is the maximum annual contribution before being subject to Federal Gift Taxes

httpwwwirsgovuac529-Plans-Questions-and-Answers

httpwwwirsgovpubirs-pdfp970pdf - Tax Benefits for Education

529 Plans

httpbitly1qu2C7o

httpbitly1cUXxzr

Florida Pre-Paid httpwwwmyfloridaprepaidcomcollege-savings-101

Get Out of Debt Report - 2

30

31

6 Saving On Income Taxes

Income Taxes Most Americans needlessly overpay their

Income Taxes Do not do your Taxes alone

Income Taxes comprise 20 - 40 of a personrsquos daily work This is too big a bill to ignore or be ignorant about This Course will teach you easy ways to get involved in your Income Taxes get smarter and save money annually Do not over-pay or under-pay your Income Taxes

Pay just The Right Amount

Find out what the right number is for your tax bill Every Employee will receive a free ldquo 10 Minute Tax Tune-Up rdquo

32

7 Insurance 101

Insurance 101 ndash Every kind of Insurance is discussed so that the Employee can learn how to be an Educated Consumer Shop and Compare and SAVE MONEY on all of their Insurance bills

Most people over-pay their insurance bills simply because they do not know how to shop and compare

Letrsquos spend 1 hour together doing a review of all of your Insurance policies hellip to save you 10 - 20 on your Insurance expenses These are Annual Savings

33

8 College Planning

The ABCrsquos of all available College Plans in 2015 plus Insured Plans

In a 529 Plan earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary such as tuition fees books as well as room and board Contributions to a 529 plan are not tax deductible

$ 14000 is the maximum annual contribution before being subject to Federal Gift Taxes

httpwwwirsgovuac529-Plans-Questions-and-Answers

httpwwwirsgovpubirs-pdfp970pdf - Tax Benefits for Education

529 Plans

httpbitly1qu2C7o

httpbitly1cUXxzr

Florida Pre-Paid httpwwwmyfloridaprepaidcomcollege-savings-101

31

6 Saving On Income Taxes

Income Taxes Most Americans needlessly overpay their

Income Taxes Do not do your Taxes alone

Income Taxes comprise 20 - 40 of a personrsquos daily work This is too big a bill to ignore or be ignorant about This Course will teach you easy ways to get involved in your Income Taxes get smarter and save money annually Do not over-pay or under-pay your Income Taxes

Pay just The Right Amount

Find out what the right number is for your tax bill Every Employee will receive a free ldquo 10 Minute Tax Tune-Up rdquo

32

7 Insurance 101

Insurance 101 ndash Every kind of Insurance is discussed so that the Employee can learn how to be an Educated Consumer Shop and Compare and SAVE MONEY on all of their Insurance bills

Most people over-pay their insurance bills simply because they do not know how to shop and compare

Letrsquos spend 1 hour together doing a review of all of your Insurance policies hellip to save you 10 - 20 on your Insurance expenses These are Annual Savings

33

8 College Planning

The ABCrsquos of all available College Plans in 2015 plus Insured Plans

In a 529 Plan earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary such as tuition fees books as well as room and board Contributions to a 529 plan are not tax deductible

$ 14000 is the maximum annual contribution before being subject to Federal Gift Taxes

httpwwwirsgovuac529-Plans-Questions-and-Answers

httpwwwirsgovpubirs-pdfp970pdf - Tax Benefits for Education

529 Plans

httpbitly1qu2C7o

httpbitly1cUXxzr

Florida Pre-Paid httpwwwmyfloridaprepaidcomcollege-savings-101

32

7 Insurance 101

Insurance 101 ndash Every kind of Insurance is discussed so that the Employee can learn how to be an Educated Consumer Shop and Compare and SAVE MONEY on all of their Insurance bills

Most people over-pay their insurance bills simply because they do not know how to shop and compare

Letrsquos spend 1 hour together doing a review of all of your Insurance policies hellip to save you 10 - 20 on your Insurance expenses These are Annual Savings

33

8 College Planning

The ABCrsquos of all available College Plans in 2015 plus Insured Plans

In a 529 Plan earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary such as tuition fees books as well as room and board Contributions to a 529 plan are not tax deductible

$ 14000 is the maximum annual contribution before being subject to Federal Gift Taxes

httpwwwirsgovuac529-Plans-Questions-and-Answers

httpwwwirsgovpubirs-pdfp970pdf - Tax Benefits for Education

529 Plans

httpbitly1qu2C7o

httpbitly1cUXxzr

Florida Pre-Paid httpwwwmyfloridaprepaidcomcollege-savings-101

33

8 College Planning

The ABCrsquos of all available College Plans in 2015 plus Insured Plans

In a 529 Plan earnings are not subject to federal tax and generally not subject to state tax when used for the qualified education expenses of the beneficiary such as tuition fees books as well as room and board Contributions to a 529 plan are not tax deductible

$ 14000 is the maximum annual contribution before being subject to Federal Gift Taxes

httpwwwirsgovuac529-Plans-Questions-and-Answers

httpwwwirsgovpubirs-pdfp970pdf - Tax Benefits for Education

529 Plans

httpbitly1qu2C7o

httpbitly1cUXxzr

Florida Pre-Paid httpwwwmyfloridaprepaidcomcollege-savings-101

34

Fully Insured College Plans

A combination of Cash Value and Term Life Parent(s) are both the Insured and the Owner No limits on Contributions No restrictions on how distributions are used Cash Value inside Life Insurance is used for College

or anything else Living Benefits are Tax Free under IRS Code Section 7702

Death Benefit is used to fund College if Parent dies prematurely

No Risk to Principal hellip versus a 529 Savings Plan

35

9 - Retirement Planning

457 Deferred Compensation

Florida Retirement Pension - DROP Plan

Investment and Savings Accounts

Mutual Funds

ROTH IRA

Markets are dynamic ndash Things change all the time All of your Investment Plans need to be reviewed and rebalanced Quarterly

Getting Ahead is about not Falling Behind

36

10 - Social Security

Retirement Planning and Social Security No matter your age you MUST understand and track your benefits so as to maximize them for Life

Choosing your Social Security benefits is one of the most important financial decisions in your Life but Social Security is a complicated system with many options

Since the Social Security Administration is not allowed by Law to give you advice about your benefit choices seek out professional help Or else you may be stuck with a lower benefit than you were entitled to for Life

37

HOW Do You Get Smart with Your Money hellip and Get Ahead

1 The 1 Formula = 15 Minutes daily

wwwbusinessinsidercomnewsletterwwwmainstreetcomwwwfinanceyahoocom

2 Quarterly Meetings = 8 Hours a Year

3 Call Me anytime for anything Quick Phone Calls are an easy way to learn in small bites

35

9 - Retirement Planning

457 Deferred Compensation

Florida Retirement Pension - DROP Plan

Investment and Savings Accounts

Mutual Funds

ROTH IRA

Markets are dynamic ndash Things change all the time All of your Investment Plans need to be reviewed and rebalanced Quarterly

Getting Ahead is about not Falling Behind

36

10 - Social Security

Retirement Planning and Social Security No matter your age you MUST understand and track your benefits so as to maximize them for Life

Choosing your Social Security benefits is one of the most important financial decisions in your Life but Social Security is a complicated system with many options

Since the Social Security Administration is not allowed by Law to give you advice about your benefit choices seek out professional help Or else you may be stuck with a lower benefit than you were entitled to for Life

37

HOW Do You Get Smart with Your Money hellip and Get Ahead

1 The 1 Formula = 15 Minutes daily

wwwbusinessinsidercomnewsletterwwwmainstreetcomwwwfinanceyahoocom

2 Quarterly Meetings = 8 Hours a Year

3 Call Me anytime for anything Quick Phone Calls are an easy way to learn in small bites

36

10 - Social Security

Retirement Planning and Social Security No matter your age you MUST understand and track your benefits so as to maximize them for Life

Choosing your Social Security benefits is one of the most important financial decisions in your Life but Social Security is a complicated system with many options

Since the Social Security Administration is not allowed by Law to give you advice about your benefit choices seek out professional help Or else you may be stuck with a lower benefit than you were entitled to for Life

37

HOW Do You Get Smart with Your Money hellip and Get Ahead

1 The 1 Formula = 15 Minutes daily

wwwbusinessinsidercomnewsletterwwwmainstreetcomwwwfinanceyahoocom

2 Quarterly Meetings = 8 Hours a Year

3 Call Me anytime for anything Quick Phone Calls are an easy way to learn in small bites

37

HOW Do You Get Smart with Your Money hellip and Get Ahead

1 The 1 Formula = 15 Minutes daily

wwwbusinessinsidercomnewsletterwwwmainstreetcomwwwfinanceyahoocom

2 Quarterly Meetings = 8 Hours a Year

3 Call Me anytime for anything Quick Phone Calls are an easy way to learn in small bites

38

10 FREE TOOLS TO HELP YOUCall me at 772-643-4850 and I Give You My Word that I will

1 Help you choose and learn the best free SW for tracking your Money

2 Help you choose and learn the best free SW for Time Management

3 Help you start review rebalance and protect your 457 Deferred Compensation Plan

4 Help you understand your Health Insurance Plan so that you donrsquot end up over-paying when you use it

5 Help you pay down your debts with my ldquo Get Out of Debt Report rdquo

39

10 FREE TOOLS TO HELP YOU

6 Help you review and understand your Income Taxes with my ldquo 10 Minute Tax Tune-Up rdquo so that you do not over-pay your Income Taxes every year

7 Help you with a review of all of your current Insurance policies I will show you how to shop and compare get the best policy at the best price and save Money on your Insurance Bills

8 Help you with College Planning

9 Help you with Retirement Planning Your 457 Plan DROP Plan and Savings Plan

10 Help you understand your choices for Social Security so that you get the largest possible check

40

Getting Ahead hellipor Falling Behind

ldquo Do What You Can hellip

with What You Have hellip

Where You Are rdquo

Theodore Roosevelt

26th President of The United States of America

1901 - 1909

41

Q amp A

Everyone ndash Employees and Management ndash are encouraged to bring their Money Questions

This part of the Course is really Fun and helpful because people leave with their specific questions answered People get educated and empowered

This QampA reinforces the 10 Core Modules above and also enhances the Employeersquos Confidence Communication and Leadership skills

42

Everyone leaves Happier and Smarter

There is an old phrase in sports

ldquo Winning is Chemistry rdquo

Give your HR Managers and Employees that Winning Edge with this Course

Get better Harmony and Productivity in your Workplace

The Employer is also encouraged to attend this Workshop

Please see Footnotes Articles next

43

FOOTNOTESFootnote 1 -

ldquo Employee Personal Financial Distress and How Employers can help rdquo

httpwwwworkplacementalhealthorgPublications-Surveysaspx

Footnote 2

ldquo The Business Cost of Financial Stress rdquo

wwwdaveramseycommediapdffpuworkplaceoverextendedpdf

Footnote 3

The American Institute of Stress

httpwwwstressorgworkplace-stress

39

10 FREE TOOLS TO HELP YOU

6 Help you review and understand your Income Taxes with my ldquo 10 Minute Tax Tune-Up rdquo so that you do not over-pay your Income Taxes every year

7 Help you with a review of all of your current Insurance policies I will show you how to shop and compare get the best policy at the best price and save Money on your Insurance Bills

8 Help you with College Planning

9 Help you with Retirement Planning Your 457 Plan DROP Plan and Savings Plan

10 Help you understand your choices for Social Security so that you get the largest possible check

40

Getting Ahead hellipor Falling Behind

ldquo Do What You Can hellip

with What You Have hellip

Where You Are rdquo

Theodore Roosevelt

26th President of The United States of America

1901 - 1909

41

Q amp A

Everyone ndash Employees and Management ndash are encouraged to bring their Money Questions

This part of the Course is really Fun and helpful because people leave with their specific questions answered People get educated and empowered

This QampA reinforces the 10 Core Modules above and also enhances the Employeersquos Confidence Communication and Leadership skills

42

Everyone leaves Happier and Smarter

There is an old phrase in sports

ldquo Winning is Chemistry rdquo

Give your HR Managers and Employees that Winning Edge with this Course

Get better Harmony and Productivity in your Workplace

The Employer is also encouraged to attend this Workshop

Please see Footnotes Articles next

43

FOOTNOTESFootnote 1 -

ldquo Employee Personal Financial Distress and How Employers can help rdquo

httpwwwworkplacementalhealthorgPublications-Surveysaspx

Footnote 2

ldquo The Business Cost of Financial Stress rdquo

wwwdaveramseycommediapdffpuworkplaceoverextendedpdf

Footnote 3

The American Institute of Stress

httpwwwstressorgworkplace-stress

40

Getting Ahead hellipor Falling Behind

ldquo Do What You Can hellip

with What You Have hellip

Where You Are rdquo

Theodore Roosevelt

26th President of The United States of America

1901 - 1909

41

Q amp A

Everyone ndash Employees and Management ndash are encouraged to bring their Money Questions

This part of the Course is really Fun and helpful because people leave with their specific questions answered People get educated and empowered

This QampA reinforces the 10 Core Modules above and also enhances the Employeersquos Confidence Communication and Leadership skills

42

Everyone leaves Happier and Smarter

There is an old phrase in sports

ldquo Winning is Chemistry rdquo

Give your HR Managers and Employees that Winning Edge with this Course

Get better Harmony and Productivity in your Workplace

The Employer is also encouraged to attend this Workshop

Please see Footnotes Articles next

43

FOOTNOTESFootnote 1 -

ldquo Employee Personal Financial Distress and How Employers can help rdquo

httpwwwworkplacementalhealthorgPublications-Surveysaspx

Footnote 2

ldquo The Business Cost of Financial Stress rdquo

wwwdaveramseycommediapdffpuworkplaceoverextendedpdf

Footnote 3

The American Institute of Stress

httpwwwstressorgworkplace-stress

41

Q amp A

Everyone ndash Employees and Management ndash are encouraged to bring their Money Questions

This part of the Course is really Fun and helpful because people leave with their specific questions answered People get educated and empowered

This QampA reinforces the 10 Core Modules above and also enhances the Employeersquos Confidence Communication and Leadership skills

42

Everyone leaves Happier and Smarter

There is an old phrase in sports

ldquo Winning is Chemistry rdquo

Give your HR Managers and Employees that Winning Edge with this Course

Get better Harmony and Productivity in your Workplace

The Employer is also encouraged to attend this Workshop

Please see Footnotes Articles next

43

FOOTNOTESFootnote 1 -

ldquo Employee Personal Financial Distress and How Employers can help rdquo

httpwwwworkplacementalhealthorgPublications-Surveysaspx

Footnote 2

ldquo The Business Cost of Financial Stress rdquo

wwwdaveramseycommediapdffpuworkplaceoverextendedpdf

Footnote 3

The American Institute of Stress

httpwwwstressorgworkplace-stress

42

Everyone leaves Happier and Smarter

There is an old phrase in sports

ldquo Winning is Chemistry rdquo

Give your HR Managers and Employees that Winning Edge with this Course

Get better Harmony and Productivity in your Workplace

The Employer is also encouraged to attend this Workshop

Please see Footnotes Articles next

43

FOOTNOTESFootnote 1 -

ldquo Employee Personal Financial Distress and How Employers can help rdquo

httpwwwworkplacementalhealthorgPublications-Surveysaspx

Footnote 2

ldquo The Business Cost of Financial Stress rdquo

wwwdaveramseycommediapdffpuworkplaceoverextendedpdf

Footnote 3

The American Institute of Stress

httpwwwstressorgworkplace-stress

43

FOOTNOTESFootnote 1 -

ldquo Employee Personal Financial Distress and How Employers can help rdquo

httpwwwworkplacementalhealthorgPublications-Surveysaspx

Footnote 2

ldquo The Business Cost of Financial Stress rdquo

wwwdaveramseycommediapdffpuworkplaceoverextendedpdf

Footnote 3

The American Institute of Stress

httpwwwstressorgworkplace-stress

44

FOOTNOTESFootnote 4

httpwwwmoneymanagementorgCommunityBlogsBlogging-for-Change2014SeptemberWork-and-Money-and-Stressaspx

Footnote 5

httpwwwbusinessnewsdailycom2267-workplace-stress-health-epidemic-perventable-employee-assistance-programshtml

Footnote 6

httpwwwbusinessnewsdailycom2123-work-money-stresshtml

Footnote 7

httpmsueanrmsuedunewswork_and_money_dealing_with_financial_stress_in_the_workplace

Fraser AllportThe Total Advisortrade

45

Owner of ldquo Safe amp Smart Money LLC rdquo A Registered Investment Advisory Firm

Certified Estate Planner tradeIndependent Insurance Agent

33 Years Experience - Excellence Since 1982

772 - 643 - 4850

Listen to Fraser on iHeart Radio

WWWFRASERALLPORTCOM