New Benefit Program Financial Education and Counseling

New Benefit Program Financial Education and Counseling

Overview Employer Paid Benefit Effective March 1, 2010 Enhancement to EAP Financial Benefit Covers you and your immediate family Financial Education and Counseling Identity Theft Prevention and Protection Legal Services 2

Sample Issues Budgets and Spending Strategies Debt matters Credit Issues College Planning Mortgage Review/Options ID Theft & Legal 3 Tax Issues Retirement

The Solution – Financial Wellness Help Employees – Develop better spending habits Reduce their debt Improve their credit Improve their savings Plan for retirement 4

The Program – Business Advantage Bringing Financial Education to Employees Educational Classes On-site, Webinar, Self-Directed (online) Website Resources Personalized (helps employee get finances organized) Guides, Worksheets, Articles, Calculators, etc. Accessible by Financial Coach Newsletters and Tips 5

Individual Financial Coaching Unlimited Unbiased Telephonic Financial Coaching for 30 days at no cost Financial Needs Analysis Develop And Define Member Goals We Engage Members (Proactive Approach) Achieve Early Success Additional Services - 39.95/m (month to month) Refer Employees To Advisors 6

MSA Financial Coaches Salaried Employees Prohibited from selling products and services Minimum 5 years experience/average of 18 Credentials include: – – – – – – – – – Certified Financial Educator (CFEd) Certified Credit Counselors (CCC) Certified Financial Planner (CFP) Certified Public Accountant (CPA) Enrolled Agent (E.A.) Certified Divorce Financial Analyst (CDFA) Certified Senior Advisor (CSA) Certified Mortgage Planning Specialist (CMPS) Fair Credit Reporting Act (FCRA) Certification 7

Getting Starting Call Cascade Centers (800) 433-2320 8